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, the national health insurance program of the Philippines, only covers treatment provided by accredited Philippine hospitals and clinics. It has zero coverage outside the country. Private plans from Maxicare, Intellicare, or Medicard are similarly limited to the Philippines. Filipinos visiting the USA — whether for tourism, to visit family, or to work temporarily — need dedicated visitor insurance to be protected against US medical costs.

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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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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.

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. Coverage begins as early as the day of travel, and policy documents are delivered by email immediately after purchase.
Are there plans that cover 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 can be covered. This is especially important for older Filipino visitors.
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 is usually $35–$80. Seniors and those with pre-existing conditions will see higher rates.
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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Protect Your Trip to the USA

Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.

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Texas License #2608479TX · A-rated carriers · 151 countries covered