Travel Medical Insurance for Visitors to the USA
Emergency hospitalization in the US averages $15,000. Your home country insurance provides zero coverage here. Travel medical insurance fills the gap — from $1/day.
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What Does Travel Medical Insurance Cover?
Travel medical insurance is designed for one purpose: protecting you from the catastrophic cost of a medical emergency in the United States. Here's exactly what's included — and what's not.
Why the USA Requires Special Coverage
Compare Travel Medical Insurance Plans
Three A-rated carriers. One quote flow. Choose the coverage that fits.
IMG
Patriot America Plus
Best value, budget buyers
Trawick International
Safe Travels USA
Widest deductible range
WorldTrips
Atlas America
Maximum protection
Who Is Travel Medical Insurance For?
Parents Visiting Children in the USA
The single most common use case. Parents on B1/B2 visas visiting their children who are working or studying in America.
Learn more →International Students' Parents
Parents visiting students on F1, J1, or M1 visas. Often staying 3–6 months, making comprehensive coverage essential.
Learn more →Tourists & Vacation Visitors
Anyone visiting the USA for tourism, sightseeing, or family events. Even a short trip carries significant financial risk without coverage.
Learn more →Older & Senior Visitors
Travelers 60+ face higher medical risks and higher US healthcare costs. Age-appropriate plans available up to age 99.
Learn more →Travel Medical Insurance — FAQs
What is travel medical insurance?
Travel medical insurance is short-term health insurance that covers emergency medical expenses incurred while traveling outside your home country. For visitors to the USA, it covers emergency hospitalization, surgery, doctor visits, prescription medications, and emergency medical evacuation. It is not the same as travel insurance — travel medical insurance focuses purely on health emergencies rather than trip cancellation or baggage loss.
Who needs travel medical insurance for the USA?
Any non-US citizen visiting America should have travel medical insurance. This includes parents visiting children on H1B or green card, tourists, business visitors on B1/B2 visas, international students' family members, and anyone else whose home country health insurance does not provide coverage in the United States. The US healthcare system is among the most expensive in the world — a single ER visit can cost $5,000–$25,000.
How is travel medical insurance different from regular travel insurance?
Travel medical insurance focuses on health emergencies — hospitalization, doctor visits, surgery, evacuation. Regular travel insurance (also called 'comprehensive travel insurance') adds trip cancellation, trip interruption, baggage loss, and flight delay benefits on top of medical coverage. For visitors to the USA who primarily need health protection, travel medical insurance is more affordable and appropriate than a full travel insurance policy.
How much does travel medical insurance for the USA cost?
Travel medical insurance for visitors to the USA typically costs $1–$3 per day depending on age, coverage amount, deductible, and plan. A 55-year-old with $100,000 in coverage and a $250 deductible for 30 days costs roughly $50–$80. Older travelers pay more. Use our free quote tool to get exact pricing in 2 minutes.
What does travel medical insurance cover for USA visitors?
Travel medical insurance for USA visitors typically covers: emergency hospitalization, inpatient surgery, ER visits, urgent care, specialist consultations, prescription drugs, emergency dental care, emergency medical evacuation (airlift), repatriation of remains, and 24/7 emergency assistance. Pre-existing conditions are typically covered on an 'acute onset' basis — meaning sudden, unexpected flare-ups of known conditions.
Can I buy travel medical insurance after arriving in the USA?
Yes. All three plans we offer — IMG Patriot America Plus, Trawick Safe Travels USA, and WorldTrips Atlas America — can be purchased after arrival in the USA. However, there is typically a 48–72 hour waiting period for sickness (not accidents). To maximize coverage, purchase before departing your home country.
What is the best travel medical insurance for visitors to the USA?
The best plan depends on your needs: IMG Patriot America Plus is the most popular all-around plan and best value. Trawick Safe Travels USA is best if you want the most deductible flexibility ($0–$5,000 options). WorldTrips Atlas America is best for maximum coverage (up to $2,000,000) and includes mental health emergency coverage. All three use major PPO networks (IPA or UnitedHealthcare).
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