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Visitor Insurance for São Tomé and Príncipe

Visitor Insurance for Santomeans Visiting the USA

São Tomé and Príncipe's health system covers residents at home — but provides zero coverage in the United States. Without visitor insurance, a US hospital stay can generate bills exceeding $10,000 — fully at your expense.

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The Coverage Gap

São Tomé and Príncipe's Healthcare Has No US Coverage

São Tomé and Príncipe's Ministry of Health provides limited free public healthcare at domestic facilities — with no mandatory insurance and zero coverage outside the islands. São Tomé and Príncipe and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Citizens visiting the US carry full financial exposure: a single hospitalisation can exceed $45,000 in out-of-pocket charges with no government reimbursement.

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Without visitor insurance, a US hospital stay can generate bills exceeding $10,000 — fully at your expense.

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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 São Tomé and Príncipe's National Health Service (SNS) cover medical care in the USA?

No. São tomé and príncipe's national health service (sns) is strictly limited to its home country and provides zero coverage for any medical treatment in the United States. Without dedicated visitor insurance, you would be personally responsible for the full cost of US healthcare — an emergency room visit alone can range from $2,000 to $15,000, while hospitalization and surgery can easily exceed $50,000.

What visitor insurance is recommended for São Toméan visitors to the USA?

For São Toméan visitors to the USA, we recommend IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. These plans provide essential coverage for emergency medical treatment, hospitalization, and doctor visits — protection that your domestic SNS STP cannot offer once you enter the United States. All can be purchased online in minutes and coverage documents arrive instantly by email.

Do São Toméan citizens need a visa to visit the USA?

Yes, São Toméan citizens are required to obtain 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 by demonstrating financial preparedness — showing consular officers that you have plans to cover potential medical expenses, since São Tomé and Príncipe's National Health Service (SNS) provides no coverage in the USA.

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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