Visitor Insurance for Filipinos Visiting the USA
PhilHealth and private Filipino health plans do not cover medical emergencies in the United States. One hospital visit can cost more than a year's income.
⚠️ The Philippines sends one of the largest populations of visitors to the USA. Filipino-Americans often sponsor parents and relatives who arrive without any US-valid health coverage.
PhilHealth Has No Coverage Outside the Philippines
PhilHealth (Philippine Health Insurance Corporation) funds domestic inpatient and outpatient care inside the Philippines — it provides no coverage once you leave the country. The Philippines and the United States have no bilateral healthcare agreement. A US emergency room visit averages $3,100; one night of hospitalisation costs $11,700 on average. With 4.2 million Filipino-Americans in California, Nevada, Hawaii, and Texas, parents visiting on B-2 visas are especially vulnerable — a single respiratory admission or hip fracture can generate bills exceeding ₱2 million, with no PhilHealth offset whatsoever.
Pre-Existing Conditions — What's Covered for Filipinos?
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 Filipinos
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 Filipinos?
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 Filipinos — Step by Step
Get an instant quote
Click 'Get Quote' and enter the visitor's age, travel dates, and home country (Philippines). 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 — Filipinos Visiting the USA
Can I buy insurance for my parents or relatives visiting from the Philippines?
Does PhilHealth cover medical treatment in the USA?
Are there plans that cover pre-existing conditions like hypertension or diabetes?
How much does visitor insurance cost for Filipinos visiting the USA?
Which visitor insurance plan is best for Filipino parents visiting the USA?
Do Filipino visitors need a US visa?
Can visitor insurance be extended if the trip is extended?
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 FilipinosLicensed Texas #2608479TX · IMG, WorldTrips & Trawick International · (832) 856-1704