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Visitor Insurance for Switzerland

Visitor Insurance for Swiss Nationals Traveling to the USA

Switzerland's KVG/LAMal health insurance is excellent — but it stops at the Swiss border and offers no coverage in the United States.

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The Coverage Gap

KVG/LAMal and Swiss Private Insurance Have Limited US Coverage

Switzerland's mandatory health insurance (KVG/LAMal) provides comprehensive coverage within Switzerland and for emergencies in some neighboring countries. However, it has extremely limited or no coverage for medical treatment in the United States. Even Swiss private supplemental insurance (VVG) may not adequately cover the true cost of US emergency care, which can reach hundreds of thousands of dollars.

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Switzerland has one of the best healthcare systems in the world — but Swiss plans weren't priced for US medical costs, which are 3–5x higher than Swiss rates.

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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 Switzerland's statutory health insurance (KVG/LAMal) cover medical care in the USA?

No. Switzerland's statutory health insurance (kvg/lamal) is strictly limited to its home country and has no agreement or coverage arrangement with US healthcare providers. Without dedicated visitor insurance, any medical treatment in the USA — even a basic ER visit — could cost $2,000–$15,000, and hospitalization can easily reach $50,000 or more.

What visitor insurance is best for Swiss visitors to the USA?

For Swiss visitors, we recommend IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. These plans are specifically designed for the US healthcare system and provide comprehensive coverage for emergencies, hospitalization, and doctor visits — everything your domestic KVG/LAMal cannot cover during a US trip. Plans can be purchased instantly online.

Do Swiss citizens need a visa for the USA?

Swiss citizens are eligible to visit the USA for up to 90 days under the Visa Waiver Program (VWP) by obtaining an approved ESTA before travel. While visitor insurance isn't mandated for ESTA entry, it is highly recommended — your domestic KVG/LAMal is invalid in the USA and any medical emergency would be entirely out-of-pocket without dedicated visitor insurance.

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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