Tower Hill Travel Insurance
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Visitor Insurance for South Korea

Visitor Insurance for Koreans Visiting the USA

Korea's National Health Insurance (๊ฑด๊ฐ•๋ณดํ—˜) doesn't cover treatment in the United States. Protect yourself before you land.

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The Coverage Gap

Korean National Health Insurance (NHIS) Has No US Coverage

South Korea's National Health Insurance Service (NHIS / ๊ตญ๋ฏผ๊ฑด๊ฐ•๋ณดํ—˜) covers medical care within Korea only โ€” it offers zero reimbursement for US treatment. South Korea and the United States have no bilateral healthcare agreement, meaning every US medical charge is your personal responsibility. US ER visits average $3,100; ICU care runs $4,000+ per day. With 1.8 million Korean-Americans concentrated in Los Angeles, New York, and New Jersey, parents and relatives visiting on a B-2 visa face serious financial exposure โ€” a single hospitalisation can exceed โ‚ฉ15 million in uncovered US charges.

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US emergency care is priced in dollars โ€” a single ER visit can cost โ‚ฉ4,000,000+ before any treatment begins.

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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 โ€” 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 โ€” 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 $0โ€“$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 South Korea's National Health Insurance (NHIS) cover medical care in the USA?
No. South Korea's NHIS (๊ตญ๋ฏผ๊ฑด๊ฐ•๋ณดํ—˜) covers treatment at enrolled Korean medical facilities only โ€” it provides zero coverage in the United States. Korea and the US have no bilateral healthcare agreement. Without dedicated visitor insurance, any US medical treatment is entirely your personal financial responsibility. An ER visit alone averages $3,100; a hospital night averages $11,700.
What visitor insurance is best for Korean visitors to the USA?
For Korean visitors, we recommend IMG Patriot America Plus for its A-rated carrier status and acute onset pre-existing condition coverage. Trawick Safe Travels USA Comprehensive is an excellent value option. WorldTrips Atlas America covers up to $2,000,000 โ€” ideal for Korean seniors or those with cardiac history. All plans can be purchased online in minutes with instant policy delivery.
Can I buy visitor insurance for my Korean parents visiting the USA?
Yes โ€” this is one of the most common purchases we handle for the Korean-American community. You can buy a plan on behalf of parents or family members, even before they depart Korea. Plans are available for all ages up to 99, and most include acute onset coverage for conditions like hypertension, diabetes, and heart disease โ€” very common among older Korean visitors.
Do South Korean citizens need a visa to visit the USA?
South Korean citizens can visit the USA for up to 90 days under the Visa Waiver Program (ESTA). For stays exceeding 90 days, a B-1/B-2 visa is required. Visitor insurance is not mandated for ESTA, but is strongly recommended โ€” your NHIS is completely invalid in the USA.
How much does visitor insurance cost for Korean visitors?
Plans typically start around $1.10โ€“$2.00 per day. A healthy Korean adult under 60 visiting for 30 days usually pays $35โ€“$80. Seniors over 70 will see higher rates. The cost is a fraction of what a single US medical emergency would cost without coverage โ€” an ER visit alone runs โ‚ฉ4,000,000+.
Does visitor insurance cover COVID-19 for Korean visitors?
Yes โ€” most plans including IMG Patriot America Plus and Trawick Safe Travels USA cover COVID-19 as an acute illness. This includes hospitalization, physician visits, and prescription medications required for COVID treatment. COVID is treated the same as any other emergency illness under these policies.
What should a Korean visitor do in a US medical emergency?
For life-threatening emergencies, call 911 or go to the nearest ER immediately. Then call your insurer's 24/7 international assistance line (printed on your insurance ID card, emailed at purchase). They can coordinate billing with the hospital, locate in-network providers, and arrange medical evacuation if needed. Acting quickly minimizes out-of-pocket exposure.
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 โ€” 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 Koreans in the USA

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

Read Guide
Parents Guide

Visitors Insurance for Koreans 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 South Korea

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

Read Guide

For Koreans Traveling to Other Countries

International Travel Insurance for Koreans

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

See Intl Guides

Visitor Insurance for Other Nationalities

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Browse all 194 countries โ†’See all visitor insurance plans โ†’
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