Visitor Insurance for Saudi Nationals Visiting the USA
Saudi Arabia's CCHI-regulated health coverage is strictly for use within the Saudi healthcare system. In the USA, you need separate visitor insurance.
⚠️ Saudi Arabia sends thousands of students and business visitors to the USA annually. Many government scholarship students are covered by their program — but private visitors and tourists are not.
Saudi Arabia's CCHI Health Coverage Is Invalid in the USA
Saudi Arabia's Ministry of Health (MOH) provides free care to Saudi nationals at government hospitals domestically — a benefit that stops at Saudi borders. The Council of Cooperative Health Insurance (CCHI) mandates private employer coverage for expatriates, but those plans are domestic-network focused. Saudi Arabia and the United States have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night runs $11,700. Saudi nationals and expats visiting the US for business or leisure carry full out-of-pocket risk — one hospitalisation can exceed SAR 43,000 per night with no MOH reimbursement.
Pre-Existing Conditions — What's Covered for Saudi nationals?
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 Saudi nationals
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 Saudi nationals?
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 Saudi nationals — Step by Step
Get an instant quote
Click 'Get Quote' and enter the visitor's age, travel dates, and home country (Saudi Arabia). 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 — Saudi nationals Visiting the USA
Does Saudi Arabia's MOH (Ministry of Health) public health system / CCHI mandatory private insurance cover medical care in the USA?
Can I buy visitor insurance for my Saudi nationals visiting the USA?
What is the best visitor insurance for Saudi nationals visiting the USA?
Do Saudi nationals need a visa to visit the USA?
How much does visitor insurance cost for Saudi nationals visiting the USA?
Does visitor insurance cover pre-existing conditions for Saudi nationals visiting the USA?
How quickly can I get coverage for Saudi nationals 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 Saudi nationalsLicensed Texas #2608479TX · IMG, WorldTrips & Trawick International · (832) 856-1704