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Visitor Insurance for Singapore

Visitor Insurance for Singaporeans Traveling to the USA

Singapore's MediShield Life is one of Asia's best health systems — but it doesn't cover a single dollar of US medical costs.

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The Coverage Gap

MediShield Life and Integrated Shield Plans Have No US Coverage

Singapore's MediShield Life scheme and Medisave accounts fund medical care within Singapore's restructured hospitals only — they provide no reimbursement for treatment received in the United States. Singapore and the US have no bilateral healthcare agreement. A standard US ER visit costs $3,100 on average; an ICU stay runs $4,000+ per day. Singaporean nationals visiting family or attending US universities face full exposure: a single hospitalisation can exceed S$65,000 in uncovered US charges, wiping out a Medisave account that was never designed for US care.

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Singaporeans are among the most well-traveled people in the world — and among the most exposed to US medical costs without proper 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.

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 Singapore's MediShield Life / Integrated Shield Plans cover medical care in the USA?

No. Singapore's MediShield Life / Integrated Shield Plans covers healthcare within Singapore only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Singapore, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A us hospital stay can exceed sgd 15,000 per night.

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

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

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

For singaporeans, 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 Singaporeans need a visa to visit the USA?

Singaporeans can visit the USA for up to 90 days under the Visa Waiver Program — but you must obtain ESTA (Electronic System for Travel Authorization) approval before departure. Visitor insurance is not required for ESTA approval but is essential: without it, any US medical emergency is entirely out-of-pocket. Your MediShield Life provides zero US coverage.

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

Plans typically start around $1.10–$2.00 per day (USD). A healthy Singapore 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 stay can exceed SGD 15,000 per night. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Singaporeans 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 singaporeans and those with chronic health conditions.

How quickly can I get coverage for Singaporeans 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 Singapore 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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