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Visitor Insurance for Jamaica

Visitor Insurance for Jamaicans Visiting the USA

Jamaica's National Health Fund and private health plans have no coverage in the United States. A single ER visit can cost more than $10,000.

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The Coverage Gap

Jamaica's NHF and Private Plans Are Invalid in the USA

Jamaica's Ministry of Health provides a public hospital network covering residents domestically at low cost — a benefit that ends at Jamaica's borders. Jamaica and the United States have no bilateral healthcare agreement, and Jamaica's public system reimburses nothing for US medical care. A US ER visit averages $3,100; one hospital night costs $11,700. Jamaican nationals visiting family in New York, Florida, and Connecticut carry full financial exposure: one cardiac event or accident can exceed $45,000 in out-of-pocket US bills.

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Jamaica sends more visitors to the USA per capita than almost any Caribbean nation. Most arrive without health coverage valid in the United States.

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$3,000+

ER Visit

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$11,700/night

Hospital Stay

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$1,500

Ambulance Ride

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$50,000+

Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

IMG Patriot America Plus

From $1.10/day

Coverage up to Up to $1,000,000

A-rated by A.M. Best
Covers acute onset of pre-existing conditions
Emergency medical evacuation included
COVID-19 treatment covered
Deductible from $0–$2,500

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Best Value

Trawick Safe Travels USA

From $1.25/day

Coverage up to Up to $1,000,000

Comprehensive emergency coverage
24/7 multilingual assistance
Hospital direct billing available
Covers acute onset of pre-existing conditions
Renewable up to 12 months

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Premium Option

WorldTrips Atlas America

From $1.50/day

Coverage up to Up to $2,000,000

Highest coverage limit available
Ideal for seniors and longer stays
Covers urgent care and telehealth
A.M. Best A-rated carrier
Flexible deductible options

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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Jamaica's NHF (National Health Fund) / MOH public health system cover medical care in the USA?

No. Jamaica's NHF (National Health Fund) / MOH public health system covers healthcare within Jamaica only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Jamaica, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A us hospital night can exceed jmd 1.8 million.

Can I buy visitor insurance for my Jamaicans visiting the USA?

Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Jamaica. Simply enter their details (age, travel dates) in the quote tool and complete the purchase. Policy documents and insurance ID cards arrive by email within minutes. Plans cover travelers up to age 99 and most include acute onset coverage for pre-existing conditions — critical for older jamaicans visitors.

What is the best visitor insurance for Jamaicans visiting the USA?

For jamaicans, we recommend three A-rated plans: IMG Patriot America Plus for comprehensive coverage and strong A+ rated carrier backing; Trawick Safe Travels USA Comprehensive for excellent value and broad emergency coverage; and WorldTrips Atlas America for high coverage limits (up to $2,000,000) and robust acute onset pre-existing condition protection. All three are purpose-built for the US healthcare system and available in minutes online.

Do Jamaicans need a visa to visit the USA?

Jamaicans require a B-1/B-2 visitor visa before traveling to the United States. When applying at the US Embassy or Consulate, including proof of visitor insurance can strengthen your application — it demonstrates financial preparedness and shows consular officers that potential US medical costs are covered, since Jamaica's NHF/MOH provides no US coverage.

How much does visitor insurance cost for Jamaicans visiting the USA?

Plans typically start around $1.10–$2.00 per day (USD). A healthy Jamaica adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a US hospital night can exceed JMD 1.8 million. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Jamaicans visiting the USA?

Most plans include acute onset coverage — meaning if you have a managed condition like hypertension, diabetes, heart disease, or COPD, and you experience a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine follow-up care, medication refills, or elective procedures for stable conditions are not covered. This protection is especially important for older jamaicans and those with chronic health conditions.

How quickly can I get coverage for Jamaicans visiting the USA?

Coverage can be active within minutes. Complete the quote form online, select a plan, and your policy documents and insurance ID card are emailed instantly. For accidents, coverage begins on your selected start date — which can be the same day. For illness coverage, a short 24–72 hour waiting period typically applies after the start date. Purchase before your family member departs Jamaica whenever possible to avoid any gap in protection.

What is the minimum coverage I should get?

For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.

How do I file a claim if I need medical care?

Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

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