Travel Insurance for Visitors to Every US State
State-specific guides covering local hospitals, average medical costs, and the right visitor insurance plan for your destination. Plans from $1.10/day.
Get Covered for My Destination →Quick Answer
International visitors to any US state need visitor insurance — foreign health insurance provides zero US coverage. A single ER visit costs $3,000–$30,000. Plans cost as little as $35/month. Select your state below for a destination-specific guide.
Most Visited States
All 50 US States — Visitor Insurance Guides
Why Your Destination State Matters
High-Cost States
New York, California, and Massachusetts have some of the highest hospital rates in the country. A 3-day admission in New York City can exceed $100,000. Major research hospitals (Mayo Clinic, Johns Hopkins, MD Anderson) charge premium rates.
Climate & Activity Risks
Florida's hurricane season, Hawaii's remote location, Alaska's wilderness, and Colorado's high-altitude skiing all create specific risks. Evacuation from remote areas can cost $20,000–$100,000 without insurance.
Network Coverage
Some visitor insurance plans have stronger hospital networks in certain states. Plans with nationwide PPO access (like IMG Patriot America Plus) ensure you can use any hospital without pre-authorization in an emergency.
Coverage Recommendation
Regardless of destination state, we recommend at minimum $100,000 in medical coverage and $500,000 in emergency evacuation. For longer stays or older travelers, $500,000 in medical coverage provides better peace of mind.
Frequently Asked Questions
Do international visitors need travel insurance in the USA?
Yes — strongly recommended for all states. The US has no universal healthcare for foreign nationals, and hospital bills are billed at full private rates. A single ER visit costs $3,000–$10,000. A hospital stay can exceed $50,000. Visitor insurance from IMG, Trawick, or WorldTrips provides comprehensive protection from $35/month.
Does my home country health insurance cover me in the USA?
No. India's CGHS, Mexico's IMSS, the UK's NHS, Canada's provincial plans, and similar national health systems provide zero US coverage. Many private international plans also exclude the USA. You need a US-specific visitor insurance policy.
Which US states have the highest medical costs?
New York, California, Massachusetts, Florida, and Texas have the highest average hospital costs. A 3-day hospital stay in NYC or SF can easily exceed $80,000–$150,000. States with major research hospitals (Minnesota's Mayo Clinic, Ohio's Cleveland Clinic) also have high treatment costs.
How much does visitor insurance cost for the USA?
Visitor insurance costs $30–$150/month depending on age, coverage, and deductible. A healthy traveler under 60 pays roughly $35–$55/month for $100,000 coverage. Travelers over 70 pay more. Plans are available for 5 days to 364 days.
Get Covered Before You Arrive
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