Travel Insurance for US Visa Holders

Travel insurance is not required for most US visas (J-1 is an exception — it's legally mandated). However, it is essential: US healthcare has no safety net for uninsured foreign nationals, and a single emergency can produce catastrophic bills. Most experts recommend a minimum of $100,000 in medical coverage.

IMG Patriot America Plus is the most popular plan for visa holders — it offers comprehensive coverage, covers acute onset of pre-existing conditions, and has direct hospital billing. Trawick Safe Travels USA Comprehensive adds trip cancellation. WorldTrips Atlas America offers the highest coverage limits (up to $2M). All three are available instantly at Tower Hill.

Yes, but there's a catch: most plans have a 24–72 hour waiting period before illness coverage begins if purchased after arrival. Pre-existing condition coverage may also have a waiting period. Buying before departure avoids all waiting periods.

Yes — Schengen visa applications require proof of travel insurance with at least €30,000 in medical and repatriation coverage, valid in all 27 Schengen states. Tower Hill issues compliant Schengen certificates instantly.

Visitor insurance for US visa holders costs $30–$150/month. A healthy 40-year-old pays roughly $35–$50/month for $100,000 coverage with a $250 deductible. Travelers over 70 pay more. Schengen insurance for a 2-week trip typically costs $25–$60.