Visitors Insurancefor the USA
US healthcare is the most expensive in the world. A single ER visit costs $3,000–$10,000. Your home-country health plan won't pay it.
Get emergency medical coverage from A-rated carriers — from $1/day. Compare plans, get an instant quote, and buy online in under 5 minutes.
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Compare All Plans
IMG · WorldTrips · Trawick — side by side, real prices
IMG Patriot America Plus
Up to $1M medical
WorldTrips Atlas America
Up to $2M medical
Trawick Safe Travels USA
Up to $1M medical
No email required to compare plans
Why Visitors Insurance Is Not Optional in the USA
The US has no universal healthcare for foreign visitors. Hospitals bill at full rate — and they will collect.
ER Visit
$3,000–$10,000
Even non-life-threatening emergencies. Billed upfront in many states.
Hospital Stay (1 week)
$35,000–$63,000
One inpatient night averages $4,000–$9,000 — fully your responsibility without insurance.
Air Evacuation
$100,000+
Emergency airlifts to better-equipped hospitals or back to your home country.
Surgery
$50,000–$200,000
Common procedures like appendectomies or fracture repairs routinely exceed $50,000.
Visitors insurance costs $1–$3/day.
That's less than a coffee. It's the only thing standing between a great trip and a financial catastrophe.
Get My Price NowCompare Visitors Insurance Plans for the USA
Three A-rated carriers. All include acute onset pre-existing condition coverage. Pick the one that fits your budget.
IMG
Patriot America Plus
From ~$1.10/day
Max Medical
Up to $1,000,000
Deductible
$0 – $2,500
Pre-Existing
Acute onset covered
Network
IPA Global Network
- Up to $1M emergency medical
- Acute onset pre-existing coverage
- Emergency medical evacuation
- Prescription drug coverage
- Telemedicine included
- Coverage up to age 99
- 24/7 global assistance
- Renewable — extend if needed
WorldTrips
Atlas America
From ~$1.25/day
Max Medical
Up to $2,000,000
Deductible
$0 – $5,000
Pre-Existing
Acute onset covered
Network
UnitedHealthcare
- Up to $2M emergency medical
- Highest limits available
- Acute onset pre-existing coverage
- Emergency dental included
- Mental health emergency covered
- Local ambulance covered
- Multilingual support 24/7
- Renewable coverage
Trawick
Safe Travels USA
From ~$1.05/day
Max Medical
Up to $1,000,000
Deductible
$0 – $5,000
Pre-Existing
Acute onset covered
Network
UnitedHealthcare
- Up to $1M emergency medical
- Wide deductible range ($0–$5K)
- Acute onset pre-existing coverage
- Dental emergency benefit
- Trip interruption coverage
- Loss of passport benefit
- AD&D included
- 24/7 emergency hotline
Not sure which plan? Our quote engine shows all three side-by-side with real prices. Compare now →
How Much Does Visitors Insurance Cost?
Sample prices from real plans. Your exact quote depends on age, dates, and coverage level.
| Age | Trip Duration | Coverage | Estimated Cost |
|---|---|---|---|
| 30 | 30 days | $50K | $18–$28 |
| 40 | 60 days | $100K | $45–$65 |
| 55 | 90 days | $100K | $95–$135 |
| 60 | 90 days | $100K | $120–$170 |
| 65 | 90 days | $100K | $175–$240 |
| 70 | 60 days | $100K | $165–$230 |
Free quote — no email required to see prices
Who Needs Visitors Insurance for the USA?
Parents Visiting from Abroad
The #1 use case. One ER visit can cost $10,000+. Acute onset coverage included on all plans.
Learn moreVisitors from India
Our largest market. Plans tailored for Indian parents and relatives visiting the US.
Learn moreGrandparents for Newborn
Extended stays for grandparents helping with a new baby. Long-duration plans up to 364 days.
Learn moreShort-Term Visitors (30–90 days)
Tourists and business visitors. Affordable flexible plans, no long-term commitment.
Learn morePre-Existing Conditions
Hypertension, diabetes, heart conditions — acute onset emergency coverage included.
Learn moreSenior Travelers (65+)
Plans available up to age 99. Higher coverage limits for higher-risk travelers.
Learn moreHow to Buy Visitors Insurance Online
No agents. No phone calls. Done in under 5 minutes.
Enter Trip Details
Traveler age, travel dates, and home country. Takes 30 seconds.
Compare Plans
See IMG, WorldTrips & Trawick side by side with real prices and coverage details.
Choose Your Plan
Pick the coverage level and deductible that fits your budget.
Buy & Get Coverage
Pay securely online. Policy documents sent to your inbox immediately.
Visitors Insurance USA — Frequently Asked Questions
Can I buy visitors insurance online instantly?
Yes. Compare plans, get a quote, and buy in under 5 minutes. Policy documents arrive in your inbox immediately — no phone call, no agent, no waiting.
Does visitors insurance cover parents visiting the USA?
Yes. All three plans include acute onset pre-existing condition coverage — meaning a sudden emergency caused by a known condition (diabetes, hypertension, heart disease) is covered for emergency treatment.
How much does visitors insurance cost?
Plans start from $1/day. A 60-year-old on a 90-day trip pays roughly $120–$170 for $100K coverage. Use our free quote tool for an exact price based on age, dates, and coverage level.
Can I buy after arriving in the USA?
Yes, but there's a 48–72 hour waiting period for illness claims if purchased after arrival. Injuries are covered immediately. We recommend buying before departure for full protection from day one.
What is NOT covered by visitors insurance?
Visitors insurance is medical-only. It does not cover trip cancellation, baggage loss, or pre-existing condition management (only acute onset emergencies). For trip cancellation, you need separate trip insurance.
Which carrier is best — IMG, WorldTrips, or Trawick?
IMG Patriot America Plus is the most popular overall. WorldTrips Atlas America is best for maximum coverage ($2M limit). Trawick Safe Travels USA is best for flexible deductibles and budget travelers. All three are A-rated.
Further Reading
In-Depth Visitor Insurance Guides
Expert guides on plans, costs, pre-existing conditions, and how to choose the right coverage.
Best Visitors Insurance USA — 2026 Rankings
Our top-ranked plans from IMG, WorldTrips, and Trawick with side-by-side comparisons.
Read guideBest Travel Insurance for Parents Visiting USA
Covers parents on a B1/B2 visa — pre-existing conditions, cost, and which plan wins.
Read guideIMG Patriot vs WorldTrips Atlas America
The two most popular visitors insurance plans, compared head-to-head on price and coverage.
Read guideWorldTrips Atlas America Review
In-depth review of the highest-limit visitors plan on the market — up to $2M coverage.
Read guideIMG Patriot America Plus Review
The most popular visitors insurance plan. Full review: coverage, exclusions, and claims.
Read guideTrawick Safe Travels USA Review
Best for flexible deductibles and budget travelers. Full breakdown of features and cost.
Read guideVisitors Insurance with Pre-Existing Conditions
How acute onset coverage works and which plans cover diabetes, hypertension, and heart disease.
Read guideVisitor Insurance for Seniors Over 70
Plans for travelers aged 70–99. Coverage limits, costs, and what to watch out for.
Read guideCheapest Visitors Insurance USA
Lowest-cost plans that still provide real protection — without sacrificing critical coverage.
Read guideBuy Visitors Insurance for the USA Today
Compare IMG, WorldTrips & Trawick plans in minutes. Get covered before your trip — from $1/day.
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