Tower Hill Travel Insurance
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Visitor Insurance for Philippines

Visitor Insurance for Filipinos Visiting the USA

PhilHealth and private Filipino health plans do not cover medical emergencies in the United States. One hospital visit can cost more than a year's income.

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The Coverage Gap

PhilHealth Has No Coverage Outside the Philippines

PhilHealth (Philippine Health Insurance Corporation) funds domestic inpatient and outpatient care inside the Philippines — it provides no coverage once you leave the country. The Philippines and the United States have no bilateral healthcare agreement. A US emergency room visit averages $3,100; one night of hospitalisation costs $11,700 on average. With 4.2 million Filipino-Americans in California, Nevada, Hawaii, and Texas, parents visiting on B-2 visas are especially vulnerable — a single respiratory admission or hip fracture can generate bills exceeding ₱2 million, with no PhilHealth offset whatsoever.

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The Philippines sends one of the largest populations of visitors to the USA. Filipino-Americans often sponsor parents and relatives who arrive without any US-valid health coverage.

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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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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.

Most Popular

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

Can I buy insurance for my parents or relatives visiting from the Philippines?
Yes — you can purchase a plan online on behalf of family members visiting from the Philippines. This is one of the most common purchases we handle. Coverage begins as early as the day of travel, and policy documents are delivered by email immediately after purchase. Plans cover travelers up to age 99.
Does PhilHealth cover medical treatment in the USA?
No. PhilHealth (Philippine Health Insurance Corporation) provides coverage only within the Philippines at accredited domestic facilities. It has zero coverage for any medical treatment received in the United States. The Philippines and USA have no bilateral healthcare agreement, leaving Filipino visitors fully responsible for all US medical costs without dedicated visitor insurance.
Are there plans that cover pre-existing conditions like hypertension or diabetes?
Yes. Most of our plans include coverage for the acute onset of pre-existing conditions — meaning a sudden, unexpected medical emergency related to a known condition (like a hypertensive crisis or diabetic emergency) can be covered. Routine management or elective procedures are not included. This is especially critical for older Filipino parents visiting on B-2 visas who commonly have managed conditions.
How much does visitor insurance cost for Filipinos visiting the USA?
Plans typically start around $1.10–$2.00 per day depending on age, coverage amount, and deductible. A 30-day plan for a healthy adult under 60 is usually $35–$80. Seniors over 70 and those with pre-existing conditions will see higher rates. Get an exact personalized quote instantly — no personal information required.
Which visitor insurance plan is best for Filipino parents visiting the USA?
For most Filipino parents, IMG Patriot America Plus is our top recommendation — it includes acute onset pre-existing condition coverage, is A-rated, and widely accepted by US hospitals. Trawick Safe Travels USA Comprehensive offers strong value. For seniors with serious health history, WorldTrips Atlas America provides coverage up to $2,000,000.
Do Filipino visitors need a US visa?
Yes — Filipino citizens must obtain a B-1/B-2 visitor visa from a US Embassy or Consulate before traveling. Proof of visitor insurance can strengthen your application by demonstrating financial responsibility, as consular officers want to see that you can handle unexpected medical expenses — your PhilHealth provides zero US coverage.
Can visitor insurance be extended if the trip is extended?
Yes — most plans allow online extensions before the policy expires, as long as no claim has been filed and the traveler has not been hospitalized. Renew through the insurer's portal or by phone. We recommend extending at least 5–7 days before the current expiry date to avoid any coverage gap.
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.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Filipinos in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for Filipinos.

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Parents Guide

Visitors Insurance for Filipinos Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting Philippines

Your US health insurance won't cover you in Philippines. Compare international plans for Americans.

Read Guide

For Filipinos Traveling to Other Countries

International Travel Insurance for Filipinos

Planning a trip to Europe, Asia, or beyond? Philippines's health coverage provides no protection abroad. Compare plans for Filipinos traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇦🇺Australia🇨🇦Canada🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇬🇧United Kingdom🇮🇳India🇨🇳China🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia🇳🇬Nigeria
Browse all 194 countries →See all visitor insurance plans →
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