Visitor Insurance Cost Calculator
Estimate monthly premiums for international visitors to the USA. Based on real pricing from IMG, Trawick International, and WorldTrips.
Higher deductible = lower monthly premium
Estimated cost
Per day
$3
Total for 90 days
$207–$276
Estimate based on: 60 – 64 · $100,000 coverage · $250 deductible
Plan-by-plan estimates
IMG
$69–$92
/month
Covers acute onset of pre-existing conditions. Direct billing at most US hospitals.
Trawick
$72–$97
/month
Broadest pre-existing condition coverage. Includes trip interruption.
WorldTrips
$66–$88
/month
Solid value plan. Good for healthy travelers under 70.
These are estimates only. Actual premiums depend on your exact travel dates, state of residence, and the plan you select. Rates shown reflect typical pricing from IMG, Trawick International, and WorldTrips as of 2026.
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Why deductible matters
Choosing a $500 deductible instead of $0 can reduce your premium by 40%. Most travelers never meet their deductible, so a higher deductible is often the smarter choice.
Why coverage amount matters
A single ER visit in the US costs $3,000–$10,000. A hospital stay can exceed $50,000. Most plans experts recommend at least $100,000 in coverage.
Pre-existing conditions
"Acute onset" coverage handles sudden flare-ups but not routine treatment. For ongoing management of diabetes, hypertension, or heart disease, choose Trawick Comprehensive.
Age is the biggest factor
A 75-year-old costs roughly 4–5× more to insure than a 55-year-old. Start shopping early — prices are locked at purchase, not at travel.