🇹🇹

Visitor Insurance for Trinidad and Tobago

Visitor Insurance for Trinidadians Visiting the USA

Trinidad and Tobago's health system has no coverage in the United States. One US medical emergency can cost tens of thousands of dollars.

Get My Free Quote

No commitment · Compare multiple plans · Buy in minutes

The Coverage Gap

Trinidad and Tobago's Health Coverage Has No Validity in the USA

Trinidad and Tobago's Ministry of Health — operating through Regional Health Authorities (RHAs) — provides free public healthcare domestically with no coverage outside T&T. T&T and the United States have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Trinidadian nationals visiting family in New York, Florida, and New Jersey carry full out-of-pocket risk: a single hospitalisation in the US can exceed $45,000 in uncovered charges with no RHA reimbursement.

⚠️

Trinidad and Tobago's public health coverage provides zero protection in the USA — full US hospital costs apply to all uninsured visitors.

🏥

$3,000+

ER Visit

🛏️

$11,700/night

Hospital Stay

🚑

$1,500

Ambulance Ride

⚕️

$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.

🏆

A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

⚡

Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

🌍

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

Get a Quote

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

Get a Quote

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

Get a Quote

Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Trinidad and Tobago's Regional Health Authorities (SWRHA/NCRHA) cover medical care in the USA?

No. Trinidad and tobago's regional health authorities (swrha/ncrha) is strictly limited to its home country and provides zero coverage for any medical treatment in the United States. Without dedicated visitor insurance, you would be personally responsible for the full cost of US healthcare — an emergency room visit alone can range from $2,000 to $15,000, while hospitalization and surgery can easily exceed $50,000.

What visitor insurance is recommended for Trinidadian and Tobagonian visitors to the USA?

For Trinidadian and Tobagonian visitors to the USA, we recommend IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. These plans provide essential coverage for emergency medical treatment, hospitalization, and doctor visits — protection that your domestic SWRHA/NCRHA cannot offer once you enter the United States. All can be purchased online in minutes and coverage documents arrive instantly by email.

Do Trinidadian and Tobagonian citizens need a visa to visit the USA?

Yes, Trinidadian and Tobagonian citizens are required to obtain a B-1/B-2 visitor visa before traveling to the United States. When applying at the US Embassy or Consulate, including proof of visitor insurance can strengthen your application by demonstrating financial preparedness — showing consular officers that you have plans to cover potential medical expenses, since Trinidad and Tobago's Regional Health Authorities (SWRHA/NCRHA) provides no coverage in the USA.

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.

Learn More