Tower Hill Travel Insurance

All Coverage Options

Travel Insurance Plans
For Every Journey

Whether you're visiting the U.S., studying abroad, or traveling internationally — explore coverage options from trusted providers and get a quote instantly.

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60,000+ Travelers Insured
Plans from $1.10/day
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All Travel Insurance Plans

Most Popular

Visitors to USA Insurance

From $1.10/day

Designed for non-US residents visiting the United States for leisure, family, or business.

  • Emergency medical coverage
  • Hospital and physician visits
  • Prescription drug coverage
  • Emergency medical evacuation
  • Accidental death & dismemberment
  • Coverage for pre-existing conditions (select plans)
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Schengen Visa Insurance

Meets Schengen visa requirements for travelers entering any of the 27 Schengen Area countries in Europe.

  • Minimum €30,000 medical coverage
  • Meets EU visa requirements
  • Emergency medical evacuation
  • Repatriation coverage
  • Valid across all Schengen countries
  • Instant certificate of insurance
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Student Travel Insurance

Comprehensive health and travel protection for international students studying abroad.

  • Medical and dental coverage
  • Mental health benefits
  • Emergency medical evacuation
  • Coverage for school activities
  • Lost luggage and belongings
  • 24/7 student support
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J-1 Visa Insurance

Affordable plans that meet United States Department of State requirements for J-1 exchange visitors.

  • Meets DOS minimum requirements
  • $100,000+ medical coverage
  • $50,000 emergency evacuation
  • Repatriation of remains
  • Mental health coverage
  • Accepted by host organizations
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New Immigrant Insurance

Short-term medical coverage for new U.S. residents during the gap before domestic insurance begins.

  • Immediate coverage available
  • Emergency and urgent care
  • Prescription drug benefits
  • Lab and diagnostic tests
  • Specialist physician visits
  • Renewable monthly
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Trip & Cruise Insurance

Protect your prepaid trip investment against cancellations, interruptions, delays, and lost baggage.

  • Trip cancellation coverage
  • Trip interruption benefits
  • Travel delay reimbursement
  • Lost or delayed baggage
  • Emergency medical coverage
  • 24/7 travel assistance
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Travelers Over 70 or 80

Yes — Seniors Can Get Covered

Most of our visitor insurance plans are available to travelers up to age 99. Coverage limits and premiums adjust by age, and some plans offer enhanced benefits specifically for seniors. If you're buying for a parent or grandparent visiting the USA, we have options that work.

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Dedicated Guides

Specialty Coverage

Have a specific situation? These guides go deeper on coverage options for common traveler needs.

Schengen Visa Insurance

Meets the EU's €30,000 medical requirement. Instant certificate for your visa application.

Learn more →

Travel Insurance for Seniors

Coverage up to age 99. High medical limits and pre-existing condition options for 60+ travelers.

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Pre-Existing Conditions

Acute onset coverage for diabetes, heart disease, COPD, and more. Don't let health stop your travel.

Learn more →

In-Depth Reviews

Explore Each Plan

Detailed breakdowns of coverage, pricing, networks, and who each plan is best for.

Most Popular

IMG Patriot America Plus

Up to $1M coverage. IPA PPO network. Acute onset included. Ages 0–99.

Full review →Most Flexible

Trawick Safe Travels USA

Choose deductibles from $0–$5,000. UnitedHealthcare network. Trip interruption included.

Full review →Highest Coverage

WorldTrips Atlas America

Up to $2M medical — the highest limit available. Mental health emergency coverage.

Full review →

Common Questions

Before You Buy

Answers to the questions we hear most from travelers like you.

Which plan is right for me?
It depends on your situation. If you're visiting the U.S. from another country, "Visitors to USA Insurance" is the most common choice. If you're traveling to Europe and need a visa, you'll need Schengen coverage. Students and J-1 visa holders have dedicated plans that meet school or government requirements. Our free quote tool asks a few simple questions and shows you only the plans that fit.
How quickly does coverage start?
In most cases, your policy is effective the next day or the date you specify when purchasing. You'll receive your policy documents and ID card by email instantly after purchase — no waiting period for new policies (waiting periods only apply if you're switching from an existing active policy).
Can I get covered if I have pre-existing conditions?
Yes — many of our plans include "acute onset" coverage for pre-existing conditions. This means if your condition flares up unexpectedly, you're covered for emergency treatment. Some plans also offer more comprehensive pre-existing condition coverage. During the quote process, you can filter specifically for these plans.
What if my trip is longer than expected?
Most plans are renewable. If you need to stay longer than originally planned, you can extend your coverage before it expires — directly from your policy documents or by contacting our support team. There's no penalty for extending, and coverage is continuous with no gap.
Are your plans accepted at US hospitals?
Yes. Our carrier partners (IMG, Trawick International, WorldTrips) are all A-rated and widely accepted. For non-emergency care, you'll typically use a preferred provider network (PPO). For emergencies, you can go to any hospital — you pay out of pocket and file for reimbursement, or many facilities will bill the insurer directly once you provide your insurance ID.
How much does travel insurance cost?
Visitor insurance typically starts at $1.10–$2/day for younger travelers and rises to $5–$15/day for travelers 65+. A 30-day plan for a healthy adult in their 40s with $100,000 coverage generally costs $40–$80. Schengen visa insurance for a 2-week trip runs $25–$60. Premiums depend on age, coverage amount, deductible, and trip length — run a free quote in under 2 minutes to see exact pricing.
What is the difference between visitors insurance and trip insurance?
Visitors insurance (travel medical insurance) primarily covers emergency medical costs — hospital stays, doctor visits, emergency evacuation. Trip insurance (travel protection) covers the financial investment of your trip — cancellations, interruptions, delayed baggage, and travel delays. Visitors to the USA usually only need visitors insurance. Americans going on a cruise or international vacation often benefit from both.
Can I buy travel insurance after I've already left home?
Yes — you can purchase visitor insurance after departure in most cases, including after you've already arrived in the USA. There is typically a short waiting period (48–72 hours) before illness coverage starts; accident coverage usually begins immediately. We recommend buying before travel when possible to ensure full coverage from day one.
Do I need travel insurance if I have Medicare or my home country's health plan?
Yes. Medicare does not cover medical care outside the United States. For visitors arriving in the USA, your foreign government health plan almost certainly won't cover US medical costs — which are among the highest in the world. A single ER visit can cost $2,000–$10,000 without insurance.
What should I do if I have a medical emergency while traveling?
Call your insurer's 24/7 emergency assistance line immediately — the number is on your insurance ID card. For life-threatening emergencies, go directly to the nearest ER and notify your insurer as soon as possible. Your insurer can coordinate care, arrange direct billing with the hospital, and if needed, organize medical evacuation back home. Always keep your insurance ID card accessible.

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