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Visitor Insurance for Palau

Visitor Insurance for Palauans in the USA

Palau's Palauan covers residents at home — but provides zero coverage in the United States. Palauans can enter the USA visa-free under the Compact — but face full US medical costs without visitor insurance.

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The Coverage Gap

Palau's Healthcare Has No US Coverage

Palauan nationals have limited US access under the Compact of Free Association — but this does not provide comprehensive private hospital coverage in the United States. A US ER visit averages $3,100; one hospital night costs $11,700. Palauan nationals visiting or living on the US mainland face coverage gaps: specialist care and elective treatment can generate $30,000–$80,000 in out-of-pocket bills not covered by the Ministry of Health or the Compact agreement.

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Palauans can enter the USA visa-free under the Compact — but face full US medical costs without visitor insurance.

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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 Palau's NHCO (National Health Care Ombudsman) / MOH public health cover medical care in the USA?

No. Palau's NHCO (National Health Care Ombudsman) / MOH public health covers healthcare within Palau only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Palau, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. Palau uses usd but moh provides zero us medical coverage for travel visitors.

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

Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Palau. 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 palauans visitors.

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

For palauans, 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 Palauans need a visa to visit the USA?

Palauan citizens can enter the USA freely under the Compact of Free Association — no visa required. Even without a visa requirement, visitor insurance is strongly recommended — your home health system provides zero US medical coverage, and US emergency care costs average $3,100 for an ER visit and $11,700 per hospital night.

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

Plans typically start around $1.10–$2.00 per day (USD). A healthy Palau 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 — Palau uses USD but MOH provides zero US medical coverage for travel visitors. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Palauans 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 palauans and those with chronic health conditions.

How quickly can I get coverage for Palauans 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 Palau 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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