Visitor Insurance for Luxembourgers Visiting the USA
Luxembourg's CNS health system is excellent at home — but provides zero coverage in the USA. Protect yourself before your trip.
⚠️ A single night in a US hospital averages $11,700 — with no CNS reimbursement available.
CNS Coverage Ends at Luxembourg's Borders
Luxembourg's Caisse Nationale de Santé (CNS) provides top-tier healthcare to residents and EHIC benefits across EU/EEA countries — but the United States is not part of this network. Luxembourg and the USA have no bilateral healthcare agreement. Luxembourgish nationals visiting the USA — including EU institution employees, business travelers, and families — face the full cost of American medical care. An ER visit starts at $2,400, and a hospitalization averages $11,700 per night. Despite Luxembourg's high standard of living and comprehensive healthcare, that coverage stops at the European border. Dedicated visitor insurance is essential for every US trip.
Pre-Existing Conditions — What's Covered for Luxembourgers?
US visitors insurance uses "acute onset" coverage — emergency treatment for a sudden flare of a known condition is typically covered.
| Condition | Acute Onset Covered? | Notes |
|---|---|---|
| Type 2 Diabetes | ✓ Yes | Acute onset emergency covered under IMG & WorldTrips |
| Hypertension / High Blood Pressure | ✓ Yes | Sudden cardiac event or stroke covered as acute onset |
| Coronary Artery Disease | ✓ Yes | Emergency heart attack treatment covered — not routine cardiology visits |
| COPD / Asthma | ✓ Yes | Acute attack requiring ER care typically covered |
| Arthritis | ✗ Limited | Routine care not covered; acute fracture unrelated to arthritis is covered |
| Kidney Disease (CKD) | ✗ Limited | Dialysis is excluded; acute infection or emergency is covered |
Acute onset means emergency treatment for a sudden flare of a known condition — not routine management. Questions? Call (832) 856-1704.
Best Visitors Insurance Plans for Luxembourgers
All plans accepted at US hospitals. A-rated carriers. Direct billing available.
Patriot America Plus
Best overall balance of price, coverage, and pre-existing condition provisions
- Up to $1M emergency medical
- Acute onset pre-existing covered
- Emergency evacuation included
- Prescription drug coverage
- Telemedicine included
- Coverage up to age 99
- 24/7 global assistance
- Renewable — extend as needed
Atlas America
Maximum medical limits for visitors with complex health history or older age
- Up to $2M emergency medical
- Highest available limits
- Acute onset pre-existing covered
- Emergency dental included
- Mental health emergencies covered
- Multilingual support 24/7
- Adventure sports optional add-on
- Renewable coverage
Safe Travels USA
$0 deductible option — no out-of-pocket at the hospital
- Up to $1M emergency medical
- $0 deductible option available
- Acute onset pre-existing covered
- Dental emergency benefit
- Trip interruption coverage
- Loss of passport benefit
- AD&D included
- 24/7 emergency hotline
How Much Does Visitors Insurance Cost for Luxembourgers?
Real price estimates based on actual plan rates — not inflated samples.
| Age | Duration | Coverage | Deductible | Est. Cost |
|---|---|---|---|---|
| 50 years | 30 days | $100K | $250 | $38–$52 |
| 55 years | 60 days | $100K | $250 | $85–$115 |
| 60 years | 90 days | $100K | $250 | $120–$175 |
| 65 years | 90 days | $100K | $250 | $175–$245 |
| 70 years | 90 days | $100K | $250 | $240–$340 |
| 75 years | 60 days | $100K | $500 | $195–$275 |
Estimates for visitors insurance to the USA. Exact pricing depends on carrier and plan selected.
How to Buy Visitors Insurance for Luxembourgers — Step by Step
Get an instant quote
Click 'Get Quote' and enter the visitor's age, travel dates, and home country (Luxembourg). Takes under 2 minutes. No personal information required at this stage.
Compare 3–5 plans side by side
Our comparison tool shows IMG, WorldTrips, and Trawick side by side — coverage limits, deductibles, network, and pre-existing condition provisions. Pick what fits the visitor's health and budget.
Purchase online — instant policy
Pay securely online. The insurance certificate is emailed within minutes. Print it or save it to your phone — you'll need it if the visitor goes to a hospital.
Use the insurance if needed
In an emergency, call the number on the insurance card. The 24/7 assistance team will find the nearest in-network hospital, arrange direct billing, and handle paperwork.
Extend if the stay gets longer
If the visitor extends their stay, renew the policy online before it expires. As long as no claim has been filed, most plans renew seamlessly for up to 364 days total.
Frequently Asked Questions — Luxembourgers Visiting the USA
Does Luxembourg's CNS (Caisse Nationale de Santé / National Health Fund) cover medical care in the USA?
Can I buy visitor insurance for my Luxembourgers visiting the USA?
What is the best visitor insurance for Luxembourgers visiting the USA?
Do Luxembourgers need a visa to visit the USA?
How much does visitor insurance cost for Luxembourgers visiting the USA?
Does visitor insurance cover pre-existing conditions for Luxembourgers visiting the USA?
How quickly can I get coverage for Luxembourgers visiting the USA?
Protect Your Family. Get Covered Today.
Home country health insurance doesn't work in America. Get covered before landing — instant quote, instant policy, instant peace of mind.
Get Instant Quote for LuxembourgersLicensed Texas #2608479TX · IMG, WorldTrips & Trawick International · (832) 856-1704