health insurance for travel to usa

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Best Travel Insurance for Visiting the U.S.

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Table of Contents

Travel insurance basics

Best visitors insurance policies, for the lowest price: trawick international, for customizing options: worldtrips, for pre-existing conditions: worldtrips, for highest medical coverage limit: img, other options to consider, the bottom line.

Since health care can be expensive in the U.S., it’s important that visitors have insurance coverage, aka visitors insurance or travel medical insurance, in case something happens that requires medical attention mid-trip.

Whether you have coverage for travel in the U.S. depends on your health care plan in your home country. But if you don't, you'll need to buy a policy from a third-party insurance provider. Several companies sell this kind of visitor insurance, and each company and policy is a bit different. Let’s look at which is best for you.

First, a few basics about visitor insurance. Two kinds are available: travel medical insurance and trip insurance.

Travel medical insurance covers medical expenses that you may incur while traveling internationally, like a visit to the doctor, a trip to the hospital and medical evacuation and repatriation.

Trip insurance usually covers limited medical expenses like emergency care and can compensate you if your trip is delayed, you need to leave the trip early or you have to cancel the trip. It is designed to help you protect the investment you’re making as you prepare to travel.

Standard trip insurance might not cover a visit to the doctor unless it is an emergency.

It’s important to make sure any pre-existing conditions are covered if the visitor has any. Some policies exclude them.

» Learn more: How to find the best travel insurance

With so many kinds of visitors insurance policies, which is the best?

To make comparisons, we got quotes from several companies using Squaremouth , a website to search for different types of travel insurance in one place.

The parameters we set are for a 49-year-old citizen and resident of Spain traveling to the U.S. on May 1-31, 2024.

The quotes don't include cancellation coverage; these examples are for medical coverage only. To get a quote, the hypothetical deposit for the trip was paid on Feb. 15.

Since we’re looking for a policy that will cover medical care for visitors, there are several medical filters to select: emergency medical ($100,000 or more), medical evacuation ($100,000 or more) and coverage for pre-existing medical conditions.

The search came up with nine results ranging in price from $74.40 to $179.18.

The policy with the lowest cost was the Trawick International 's Safe Travels USA Cost Saver at $74.40.

Trawick policies use the FirstHealth PPO network.

The policy as quoted has a $250 deductible and includes $100,000 in emergency medical, $2 million in medical evacuation and $5,000 in interruption coverage. It has limited coverage for pre-existing conditions.

It is possible to change the deductible to as little as $0 or raise it to $5,000.

The same company has another policy, the Trawick International Safe Travels USA Comprehensive policy, that is better at covering pre-existing conditions and costs a little more — $89.59.

The general coverage is the same as the less expensive policy, and the Safe Travels USA Comprehensive option adds coverage for acute onset of a pre-existing condition. it is possible to change the deductible amount to $0 or go up to $5,000.

» Learn more: The best travel credit cards right now

Some policies are sold as is, while others allow some flexibility depending on what is important to you.

The WorldTrips Atlas Premium America policy for $179.18 allows a lot of customization.

It was also the most expensive of the nine policies Squaremouth suggested.

It’s possible to customize the emergency medical coverage and pre-existing condition coverage and medical deductible. The policy also includes $15,000 in trip interruption coverage, the highest of any of the nine policies available.

If the traveler has a pre-existing condition, policies from WorldTrips Atlas America are your best bet. The WorldTrips Atlas America policy in our comparison costs $101.06.

The policy as quoted covers $100,000 in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence of a pre-existing condition.

The deductible is also available for customization from $0 to $5,000.

The PPO network for Atlas America Insurance is United Healthcare.

The WorldTrips Atlas Premium America policy mentioned above is also good for pre-existing condition coverage.

While eight of the nine policies had $100,000 in secondary medical coverage, one had a limit of $2 million.

The IMG Patriot America Platinum policy has a premium of $172.36 along with a high medical evacuation limit of $2 million and interruption coverage of $10,000.

If $2 million in medical coverage is not enough, it’s possible to increase that amount to an $8 million policy limit.

It’s not possible to change the level of coverage for preexisting conditions from the high $1 million limit in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence.

It is possible to change the deductible from $0 all the way up to $25,000.

Our comparison also included policies from two additional companies, Seven Corners and Global Underwriters .

Seven Corners had two policies come up in the results, the Seven Corners Travel Medical Basic for $98.27 and the Seven Corners Travel Medical Choice policy for $136.71. Both of the Seven Corners policies include coverage for hurricane and weather, and the less expensive policy covers acts of terrorism.

Having insurance to cover unexpected medical expenses for anyone visiting the U.S. can be a smart money move.

An illness or accident could cause financial problems for visitors because of potentially having to pay for full health care costs. When planning your travel, be sure to check your current health insurance to find out if it will cover you in the U.S.

For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas Premium America). That’s about $2.42 or $5.81 a day, depending on the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Best Medical Insurance for Visitors to the U.S. (2024)

U.S. visitors can get travel medical insurance for as low as $89 per trip.

from Seven Corners via Squaremouth.

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Seven Corners, WorldTrips, IMG and Trawick offer the best health insurance plans for visitors to the U.S.

In this guide, we’ll provide you with details on travel health insurance plans from these providers, including example quotes, information on how to use your visitor health insurance and more.

Do Visitors Need U.S. Health Insurance?

While health insurance is not always mandatory when traveling to the U.S., regulations may vary depending on the circumstances around your visit and your visa needs. In addition, health plans from different countries are generally not accepted in the U.S., which means you could pay thousands of dollars out-of-pocket for treatment in an emergency without a valid plan.

Note that many foreign visitors traveling to the U.S. do not need a visa to enter the country for less than 90 days. However, some visa requirements for long-term visitors require health insurance coverage for the duration of their stay. Regardless of the requirements for your travels, it’s worth considering a travel medical insurance plan based on the high cost of U.S. healthcare. According to GoodRx, an emergency room visit can cost upwards of $2,400 to $2,600 without insurance in the U.S.

Health Insurance Requirements for People Visiting the U.S.

While tourists do not technically need a travel medical insurance plan to obtain a visa, other types of visitors do. For instance, if you’re a student planning to study abroad in a U.S.-based college or university using an F-1 or J-1 visa, you’ll likely need some sort of health insurance or a comparable equivalent. Many universities that accept students on visas require medical coverage that complies with the school’s outlined health insurance requirements.

Note that health insurance requirements for visitors to the U.S. largely depend on the type of visa you need to enter the country. Regardless of whether it’s required, we recommend medical insurance based on the high costs of U.S. healthcare services.

Best Travel Health Insurance for Visitors to the U.S.

Our team has spent extensive time researching the best travel medical insurance plans for visitors to the U.S., considering factors such as availability, coverage, customer support and provider reputation.

• Seven Corners Travel Medical Basic : Our pick for group travelers
• WorldTrips Atlas America : Our pick for high coverage limits
• IMG Patriot Lite : Our pick for budget coverage
• IMG Patriot America Plus : Our pick for continuous coverage
• Trawick Safe Travels USA Comprehensive : Our pick for wellness coverage

Seven Corners

Why We Picked It

Seven Corners’ Travel Medical Basic plan is our pick for group travelers. This plan is specifically designed for groups of up to 10 non-U.S. residents and non-U.S. citizens aged 14 days or older, making it ideal for families traveling together . However, it is also available for solo travelers. You can extend coverage for up to a year, with protection both in the U.S. and worldwide.

Pros and Cons

Medical coverage details.

The Travel Medical Basic plan offers extensive coverage with benefit maximums of up to $1 million and various deductible options, making it easy to customize a plan to suit your needs. Medical coverage offered through this plan includes the following:

• General medical
• Emergency dental
• Emergency services and assistance
• Accidental death and dismemberment (AD&D)
• Optional adventure activity coverage

Learn more :  Seven Corners Travel Insurance Review

WorldTrips’ Atlas America plan is our pick for high coverage limits. This plan is designed for U.S. tourists, temporary workers, business visitors and international students studying abroad , providing accessible health coverage to a variety of travelers. It provides overall coverage maximums of up to $2 million, with up to $1 million for emergency medical evacuation coverage.

The Atlas America plan offers up to $2 million in overall coverage and seven different deductible options, providing sound medical coverage along with supplemental travel benefits. Medical coverages include services that fall under the following categories:

• Emergency dental and vision

Learn more: WorldTrips Travel Insurance Review

We chose IMG’s Patriot Lite plan as our pick for budget coverage — the company quoted us less for this plan than its competitors on our list. You can buy this plan as an individual or group, making it ideal for family members traveling to the U.S. together. Like other insurance companies in this review, IMG is partnered with UnitedHealthcare, meaning policyholders have access to a domestic network of over 1.4 million physicians for medical care.

Policyholders can choose coverage with a maximum of up to $1 million with the Patriot Lite plan, with deductibles ranging from $0 to $2,500. Coverages with the Patriot Lite plan include the following:

Learn more : IMG Travel Insurance Review

IMG’s Patriot America Plus plan also made our list for providing short-term insurance for business and leisurely travelers. We named it our pick for continuous coverage, as it provides up to 24 months of renewable, consecutive coverage. Other benefits include access to multilingual customer service representatives and a maximum limit of up to $1 million. Unlike IMG’s Patriot Lite plan, Patriot America Plus covers COVID-19 treatments.

As with IMG’s Patriot Lite plan, coverage with a maximum of up to $1 million is available, with your choice of deductible from $0 to $2,500. Coverages with the Patriot America Plus plan include the following:

Trawick International

We named Trawick’s Safe Travels USA Comprehensive plan our pick for wellness coverage, as it affords policyholders a general wellness visit with a U.S. doctor during their travels for up to $125. As is standard across most plans in our review, Trawick’s Safe Travels plan offers up to $1 million in medical expense coverage. It also offers up to $2 million in emergency medical evacuation coverage and eight deductible options up to $5,000.</p

The Safe Travels USA Comprehensive plan covers up to $1 million in medical benefits after you pay your deductible. Benefits provided with each plan include:

• Optional sports activity coverage (excludes extreme sports)

Read more : Trawick International Travel Insurance Review

Compare Travel Medical Insurance Plans for U.S. Tourists

See the table below for a direct comparison of costs, deductibles and more between travel medical insurance plans for U.S. visitors.

We based plan costs on quotes we obtained for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan includes a medical maximum of $500,000 with a $250 deductible. Note that your actual cost will depend on factors such as your age, number of travelers, chosen deductible and more.

Types of Health Insurance for U.S. Visitors

Travelers have options when it comes to health insurance for U.S. visitors. For one, you could choose an international travel medical insurance plan, which provides coverage for emergency medical expenses or evacuation abroad. A U.S. short-term health insurance plan is also an option. Some health insurance companies, such as UnitedHealthcare, work with providers to allow policyholders to use the company’s preferred provider organization (PPO) network.

If you’re wondering whether your domestic health insurance policy will cover you in the U.S., we encourage you to contact your insurance provider for more details. You may need to purchase valid coverage specifically for your U.S. trip if you’re concerned about or foresee needing medical care abroad.

Fixed Medical Insurance

Fixed medical insurance or fixed indemnity insurance pays a predetermined amount of money for specific medical procedures and services. This type of medical insurance plan is limited — no matter what your total bill amounts to, it will not cover more than the agreed-upon amount. Fixed medical insurance plans are usually cheaper than comprehensive policies, which we cover in the next section.

Comprehensive Medical Insurance

Comprehensive medical insurance covers doctor’s visits, hospital care, prescription drugs and more without setting limits on certain services. Note that these plans typically have coverage maximums, deductibles and copays, so you will have to pay a certain amount before your policy covers any medical expenses. 

Comprehensive coverage does not have benefit limits based on the type of medical service like fixed medical does, but it will cost you more overall. However, because health care in the U.S. is expensive, you may find comprehensive plans more beneficial in the long run despite being pricier than a fixed plan.

Short-Term vs. Long-Term Health Insurance

Short-term and long-term health insurance plans provide coverage that lasts for a specific period. You can consider travel medical insurance plans short-term policies for U.S. visitors, as they can cover medical expenses incurred during a period lasting less than a year. 

If you plan on staying in the U.S. for longer than a year, you may be eligible to purchase a health insurance plan through a domestic provider, depending on your visa. For example, if you have a J-1 or F-1 visa, you may be eligible for a university-sponsored or private health insurance plan. We encourage you to check with the U.S. Department of State when you receive your visa for more on what long-term health insurance options are available to you.

What Does Travel Insurance in the U.S. Cover?

Travel insurance in the U.S. provides a variety of coverages for unexpected events that can affect your travel plans both before and during your trip. Specifics will vary depending on your choice of policy but will likely include some or all of the following coverages:

airplane Created with Sketch Beta. Trip cancellation: If you must cancel your trip for a covered reason, travel insurance can help you recover non-refundable costs such as hotel reservations, airline tickets and more.

airplane Created with Sketch Beta. Trip interruption: If you need to cut your vacation short for a covered reason, travel insurance plans can compensate you for expenses you didn’t use during your trip.

airplane Created with Sketch Beta. Trip and baggage delays: A travel insurance policy can help cover costs you incur if your trip or baggage gets delayed for a covered reason. Most coverage also includes lost or stolen baggage.

airplane Created with Sketch Beta. Emergency medical: Emergency medical coverage can reimburse the cost of necessary treatments if you experience a medical emergency abroad up to a maximum amount.

airplane Created with Sketch Beta. Emergency evacuation and transport: If you need transportation to a medical facility in the U.S. during a medical emergency, this coverage will provide an expense limit for the services. This benefit can also cover emergency evacuations if a natural disaster or political conflict occurs and affects your travels.

How Much Does Travel Health Insurance for U.S. Visitors Cost?

Our research found that the cost of travel insurance for U.S. visitors can range from $96 to $115 . This range is based on quotes gathered for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan we obtained a quote for included a medical maximum of $500,000 with a $250 deductible.

For cost data specific to your travel needs, we encourage you to gather quotes from the providers in this review. The quotes you receive will depend on factors such as your age, plan limits, chosen deductible, number of travelers and more.

How To Use Visitor Health Insurance

If you’ve purchased a visitor medical insurance plan for your stay in the U.S., it’s important you understand how to use it. Healthcare facilities in the U.S., such as doctor’s offices, urgent care locations and emergency rooms, often require you to bring an insurance card with you. This card includes essential information associated with your policy that helps the facility file a claim with your insurance provider. If you have one through your visitor health insurance plan, it is best to have it on hand when receiving medical treatment.

Your health insurance plan may require pre-approval before you receive treatment in non-emergent cases. Your insurance company may request to verify a procedure or medicine is necessary before agreeing to cover it. Be sure to check your policy to find out what the restrictions are.

Many visitor health insurance plans also cover prescription medications. If you’ve been prescribed medicine through a U.S. doctor during a medical visit, a pharmacy may choose to verify your prescription before filling it. This means the pharmacy will contact your healthcare provider with any questions about the prescription being correct. Verification could delay when you receive your medication, but likely won’t take longer than three to10 business days.

Finding Doctors and Hospitals as a Visitor

Most insurers provide online tools that help you find in-network healthcare providers and facilities covered by your insurance policy. Note that you may pay more if you choose to receive care through a doctor or facility that is not considered in-network. Out-of-network providers do not contract with your health insurance plan to provide agreed-upon rates. Unless you have a plan that lets you pick any provider you’d like, you will need to find a provider or facility working with your insurance.

If you want to verify the benefits offered by your insurance plan, contact your insurance provider directly or consult any documentation provided at the time of purchase. Healthcare providers may also take steps to verify your coverage, as it ensures the facility receives payment and lessens the chance of a denied insurance claim. 

The cost of medical treatment depends entirely on the type of insurance plan you have. If you’ve purchased a travel medical insurance plan, your provider will cover emergency medical expenses up to a maximum amount. Once you’ve hit that limit, you will have to pay the rest of your bill. If you have a plan with a deductible or co-pay, you must pay that amount before your insurer will cover your expenses.

Paying Medical Bills Without Insurance

If you opt out of medical coverage when visiting the U.S. and end up needing medical care, you will have to cover the entire bill out of pocket. However, you have several options regarding payment. You can contact the debt collector in charge of your bill and work to negotiate the cost of your bill down . You can also set up a payment plan that works with your income and what you can afford. 

While these payment options can be helpful, they do not negate the high U.S. healthcare costs, and can still leave you with a substantial bill after a medical crisis.

According to a study by the Peterson-KFF Health System Tracker , health expenditures per person in the U.S. in 2022 were over $4,000 more than any other high-income nation. For this reason, we recommend some form of medical coverage to help cover potential emergency expenses when visiting the U.S.

Filing a Claim with Visitor Health Insurance

Filing a claim through a visitor insurance plan or travel medical insurance policy will vary based on your provider. Note that providing proper documentation will help the claims process go smoothly, so it is important to keep track of hospital invoices and other billing forms.

If you have a domestic health insurance policy, the healthcare facility that provided your treatment will file your claim. You’ll receive a bill once your insurance provider processes the claim. On the other hand, travel medical insurance may require you to submit documents proving your claims for emergency medical treatment. Once your claim has been approved, your travel insurance company will reimburse your medical bills.

Where Can You Buy Visitors Insurance?

You can buy visitors’ insurance directly from travel insurance companies, international health insurance companies, university-approved providers and domestic providers, depending on the type of visa required during your stay. If you’re on a tourist visa, you can purchase travel medical insurance covering emergency medical services and transport, if needed, to a healthcare facility. Most travel insurance providers also offer travel healthcare plans that can last up to a year if you are planning multiple trips.

If you’re on a J-1 or F-1 visa and enrolling in a schooling program, contact your university to see if you’re eligible for a sponsored or private health insurance plan. If you need clarification on the available coverage or plan to stay in the U.S. for longer than a year, contact the U.S. Department of State for more information.

Do U.S. Visitors Need Health Care Coverage?

Healthcare in the U.S. is expensive. While medical insurance isn’t required for some visitors — such as tourists on a B-2 visa — it’s still worth considering if you’re concerned about an unexpected medical emergency abroad. We encourage you to extensively research your visa type and the coverage available to you before settling on a plan. Understanding the benefits and exclusions of a healthcare coverage plan will ensure there are no surprises if you need medical care during your U.S. trip.

Frequently Asked Questions About Visitor Health Insurance

How much is visitor health insurance in the u.s..

Visitor health insurance costs in the U.S. depend on factors unique to your travel needs. After gathering quotes from the providers in our review, we found that visitor health insurance can range from $89 to $115 . This range is based on a 30-year-old Australian citizen traveling to the U.S. for 30 days, opting for a plan with a medical maximum of $500,000 and a $250 deductible. Your actual costs will vary.

How much does travel insurance cost for trips to the U.S

Our research team found the average cost of travel insurance ranges from $35 to $400, with the average being $221 for a standard policy. Your costs will vary depending on your chosen plan, provider, length of travels, number of travelers and more.

Can foreign visitors get insurance while in the U.S.?

Yes, foreigners can get insurance while in the U.S. Various insurance options are available to travelers depending on their length of stay and visa type. It’s best to research what’s available to you based on your visa requirements before purchasing a plan.

Is it hard to get travel insurance for U.S.-based trips?

No, it’s not hard to get travel insurance for travel to the U.S. Providers such as Seven Corners, WorldTrips, IMG, Trawick and more provide plans for non-U.S. citizens seeking trip and medical coverage while abroad.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

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Agent Information

Seven corners travel medical usa visitor basic & choice.

Best visitor health insurance benefits for up to 3 years

Why Should I buy Visitor's Insurance?

If you’re traveling to the United States, you should be aware medical expenses in the USA are some of the most expensive in the world. That’s why it’s important to consider travel insurance like Seven Corners Travel Medical USA Visitor to protect you if you become sick or hurt on your trip. Because it has scheduled benefits, it is priced affordably even for longer trips, and includes 24/7 multilingual travel assistance services provided by an experienced team who can help you find medical care.

Who can purchase this plan?

Non-United States citizens and non-United States residents who are traveling to the USA can buy Seven Corners Travel Medical USA Visitor. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.

Where can I travel?

If you wish to buy this plan, your travel destination must be the USA. The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage benefit for details.

Compare Travel Medical Visitor Insurance Benefits

Essential Coverage

Seven Corners Travel Medical USA Visitor Basic

Most Popular

Seven Corners Travel Medical USA Visitor Choice

This is the amount of time (180 days) you have from the date of your injury or illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country. Each injury or illness receives one benefit period. 

Example:  If you break your leg on January 1 while on your trip and covered by the plan, you have 180 days from January 1 (until June 30) to receive treatment for your leg. If your plan ends on June 1, you still have until June 30 to receive treatment for your leg if you are outside your home country. 

You select the dollar amount for this limit. It is the limit for each injury or illness (occurrence) that occurs during your period of coverage. We cover injuries and illnesses that occur during your coverage period. Benefits are paid in excess of your deductible up to the medical maximum. Occurrence  is an illness or injury and includes all bodily disorders due to the same or related causes.

Initial treatment must occur within 30 days of the date of injury or onset of illness.

This is the amount you must pay per injury or illness before the plan begins paying.

This is a Cardiac care unit or other unit or area of a Hospital that meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units.

Telehealth Consultations or Care includes long-distance or remote (i) health-related services and information, (ii)treatment of injury or illness, or (iii) other live consultations, each of which involves an insured person and a physician or nurse practitioner at different locations using telecommunications technologies including internet, phone, video, audio, and computers. 

Considered a covered medical expenses when requested and approved by the attending Physician.

Private Duty Nursing Services includes: 

• Private duty nursing care only; and
• While Hospital confined; and 
• Ordered by a licensed Physician; and 
• Medically Necessary.  

General nursing care provided by the Hospital is not covered under this benefit.

Limited to routine tests such as complete blood count, urinalysis, and chest x-ray when administered within seven days of Hospital admission.

Only in connection with a Medical Emergency as defined in the plan document. Benefits will be paid for the use of the emergency room and supplies.

This benefit includes medically necessary rental of a non-motorized wheelchair, crutches, or a basic hospital bed for up to 60 days or the duration of the injury or illness, whichever ends first.

Benefits are limited to one Physician’s visit per day.

This means physical therapy, recommended by a Physician as Medically Necessary for the treatment of a specific Injury or Illness. It must be administered by a licensed physical therapist and be intended to improve, adapt or restore functions which have been impaired or permanently lost as a result of a covered Illness or Injury and involve goals an individual can reach in a Reasonable Period of Time.

The following expenses must always be pre-certified in the United States:

• Outpatient surgeries or procedures;
• Inpatient surgeries, procedures, or stays including those for rehabilitation;
• Diagnostic procedures including MRI, MRA, CT, and PET Scans;
• Physiotherapy;
• Extended Care Facility.

To comply with the pre-certification requirements, you must:

• Contact Seven Corners Assist before the expense is incurred;
• Comply with Seven Corners Assist’s instructions;
• Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.

Once we pre-certify your expenses, we will review them to determine if they are covered by the plan.  If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:

• Covered Expenses will be reduced by $500; and
• The Deductible will be subtracted from the remaining benefit amount.

Pre-certification does not guarantee coverage, payment, or reimbursement.

Contact information for Seven Corners Assist is provided on your ID card.

This covers an illness or injury that begins on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month up to 60 days for every 364 days of purchased coverage. Unused days do not carry over to a subsequent 364-day period. It does not cover pre-existing conditions or an illness or injury that began while you were outside your home country.  Coverage is available if your period of coverage is greater than 30 days.

Many travel insurance plans do not cover pre-existing conditions. Seven Corners Travel Medical Visitor USA covers them through the Acute Onset of Pre-Existing Conditions benefit.

An Acute Onset of Pre-Existing Condition is the occurrence of a pre-existing condition that meets these criteria:

• It is sudden, unexpected, and occurs without advanced warning;
• It is a medical emergency;
• It occurs during the period of coverage;
• You obtained treatment within 24 hours of the occurrence;
• You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
• Your pre-existing condition is not congenital, a previously diagnosed chronic condition with expected episodes or flare-ups, or a deteriorating condition which cannot be controlled and gradually intensifies over time.

Review the plan document for more details.

Coverage ends on the earlier of:

• The condition no longer being considered acute or
• Your discharge from the hospital.

If you are injured as a result of terrorist activity, we will provide medical benefits if the following conditions are met:

• You have no direct or indirect involvement in the terrorist activity.
• The Terrorist Activity is not in a country/location where the U.S. government has issued a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory or the appropriate authorities of your host country or your home country have issued similar warnings, any of which have been in effect within 6 months before your date of arrival and
• You departed the country/location following the date a warning to leave was issued by the U.S. government or the appropriate authorities of your host country or your home country.

The plan can pay for emergency treatment for the relief of pain for sound natural teeth.  Coverage is available if your period of coverage is greater than 30 days.

The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting into a foreign object.

If medically necessary, we will pay and arrange to transport you to the nearest adequate medical facilities. The plan pays regardless of whether your evacuation is related to a pre-existing condition.  This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in a denial of benefits.

We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country. The plan pays regardless of whether your death is related to a pre-existing condition. You cannot use this benefit if you use the Local Cremation or Burial benefit. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in a denial of benefits.

This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. The plan pays regardless of whether your death is related to a pre-existing condition. You cannot use this benefit if you use the Return of Mortal Remains benefit. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in a denial of benefits .

This benefit pays funds if you die because of an injury caused by an accident that occurred while you were a passenger on a common carrier. A common carrier is a public air conveyance that transports passengers for hire.

The benefit can cover you up to 14 days when you travel to countries other than the United States. It does not cover travel to your home country, and it does not extend after your expiration date. This benefit must be used during your current period of coverage, and the trip must originate in the United States.  Coverage is available if your period of coverage is greater than 30 days.

Frequently asked questions

How this plan works, what documents do i receive after buying travel insurance from seven corners.

Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document.

The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for the plan. We recommend you read it, so you understand how your plan works. Refer to the plan document for applicable exclusions.

Who can buy a Seven Corners Travel Medical USA Visitor plan?

Non-United States citizens who are traveling to the USA can buy Seven Corners Travel Medical USA Visitor. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.

United States citizens, including those with dual citizenship, and Green Card/Permanent Resident cardholders cannot buy this plan for travel to the United States and U.S. territories.

State Restrictions — We cannot sell to persons who are a resident of Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions — We cannot sell to persons who are a resident of Cuba, Democratic People's Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Nigeria, Russian Federation, Sierra Leone, Syrian Arab Republic, Ukraine, and United States Virgin Islands.

If you wish to buy this plan, your travel destination must be the USA.

The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage benefit for details.

We cannot cover trips to Antarctica, Cuba, Democratic People's Republic of Korea (North Korea), Islamic Republic of Iran, Russian Federation, Syrian Arab Republic, and Ukraine.

How long can I be covered by this plan?

You can buy up to 364 days of coverage. If you buy less than 364 days, we will email you an extension notice before coverage ends. There is a $5 fee for each extension. If you purchase Seven Corners Travel Medical USA Visitor Choice, you can extend your coverage up to 1,092 days (3 years).

When does my coverage start?

Your plan's effective date is the start date of your plan, which begins at the latest of the following times:

• 12 a.m. the day after we receive your application and correct payment if you apply online;
• The moment you depart your home country;
• 12 a.m. on the date you request on your application.

All times above refer to United States Eastern Time.

When does my coverage end?

Your coverage ends on your expiration date, which is the earliest of the following times:

• The moment you return to your home country (except for coverage provided by the Incidental Trips to Home Country benefit);
• 11:59 p.m. on the date you reach the maximum period of coverage;
• 11:59 p.m. on the date shown on your ID card;
• 11:59 p.m. on the date that is the end of the period for which you paid premium; or
• The moment you fail to be eligible for the plan.

Does this plan provide primary coverage or secondary coverage?

It provides secondary coverage. All coverages except Common Carrier Accidental Death & Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. This Plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Will Seven Corners give me a refund for this plan if I’m not satisfied?

We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $35 cancellation fee, if you have not submitted any claims to Seven Corners.

Where can I find what is not covered by this plan?

You can find situations and items not covered by this plan in the exclusions section of the plan document.

Who provides the coverage for this plan?

UNDERWRITER

Insurance benefits are underwritten by Certain Underwriters at Lloyd’s, London 1  an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.

ABOUT SEVEN CORNERS

Seven Corners has been helping travelers for 30 years with travel insurance options and travel assistance services. We’ll take care of your plan needs from start to finish — we don't outsource any of our services! Seven Corners will guide you through your purchase, provide coverage information, answer your questions, and process your claims.

1 In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.

Medical Benefits and Coverage

How do i find a medical provider when i’m traveling.

Find medical providers using our online tools or contact Seven Corners Assist .

Inside the United States — With the Seven Corners Travel Medical USA Visitor plan, you may seek treatment from any medical facility or provider you wish.

Outside of the United States — Seven Corners has a large directory of providers, and many of them have agreed to bill us direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.

Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

What is a pre-existing condition?

Pre-existing conditions include any injury or illness, including mental illness or mental or nervous disorder, which meet one or more of the following criteria before your effective date of coverage:

• You were diagnosed;
• You received treatment;
• Treatment was recommended to You;
• There is reasonable medical certainty that the injury or illness existed within the last 36 months, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed.

This includes any chronic, subsequent, or recurring complications of an injury or illness which meets the above criteria.

How does Seven Corners cover pre-existing conditions on Travel Medical USA Visitor?

Coverage amounts vary by age and plan. See the schedule of benefits in the plan document for details.

An Acute Onset of Pre-Existing Conditions is the occurrence of a pre-existing condition that meets these criteria:

Coverage ends when the first of these events occurs:

• The condition no longer being acute; or

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to arrival in the USA and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

PPACA – Patient Protection and Affordable Care Act

Does this plan provide benefits required by ppaca.

The insurance provided is not subject to, is not intended to comply with, and does not provide all benefits required by PPACA. This insurance is not qualifying health coverage (“minimum essential coverage”) that satisfies the health care coverage requirement of PPACA. If an insured person does not have minimum essential coverage, he or she may owe an additional payment with his or her taxes. Insured persons are responsible for determining if and how PPACA is applicable to him or her and should consult his or her own tax advisors. Neither the company nor the administrator shall have liability whatsoever for an insured person’s failure to obtain PPACA-compliant coverage. 

Good Faith Efforts

Seven Corners will make good faith efforts to provide the services and assistance described on this web page. If Seven Corners is unable to do so due to circumstances beyond its control or due to circumstances that make it unsafe for persons to provide such services and assistance, then Seven Corners will provide the services and assistance to the extent reasonable and possible. If Seven Corners is unable to directly arrange services, expenses incurred by you for services that would otherwise be covered under this plan and that would typically be arranged by Seven Corners may be eligible for reimbursement and should be submitted for consideration. It is your responsibility to preserve all documentation of related financial transactions you wish to be considered for reimbursement.

Seven Corners Travel Medical USA Visitor

• Seven Corners Travel Medical USA Visitor – Basic and Choice

Plan Documents

• Travel Medical USA Visitor Basic – Lloyds
• Travel Medical USA Visitor Basic – Tramont
• Travel Medical USA Visitor Choice – Lloyds
• Travel Medical USA Visitor Choice – Tramont

This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions of the plan document will prevail. Benefits and plan costs are subject to change. Coverage may vary and may not be available in all jurisdictions.

Please be aware this coverage is not a general health insurance plan; it is an interim travel medical program intended for use while away from your home country or country of residence.

It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to Seven Corners to verify eligibility requirements.

PATIENT PROTECTION AND AFFORDABLE CARE ACT: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

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Best International Travel Health Insurance USA

Is an international trip to the US on the cards? With bags and passports ready to go, consider purchasing travel medical insurance for USA for extra peace of mind during your trip. As fun as travel can be, look out for unpredictable medical and travel expenses.

This blog will help you understand why it is crucial to purchase travel health insurance, where to find the best travel medical insurance for visitors to the United States, and what they cover for a hassle-free, enjoyable trip.

Why do I need Travel Health Insurance?

Most insurance providers do not have coverage for medical and travel-related expenses occurring outside of your residential country. A travel health insurance policy is critical to safeguard you against unpredictable expenses, such as medical visits. Travel health insurance in the USA can help mitigate the financial risks associated with these travel-related expenses, making it easier to be confident during your foreign escapades.

Where to Find the Best Travel Medical Insurance for Visitors to the United States?

The United States is known for its complex healthcare system, which may require help to navigate as an outsider. Furthermore, not all medical insurance plans have coverage within the United States. The CDC (Centers for Disease Control and Prevention) recommends visitors to the United States purchase international travel medical insurance USA when visiting the country.

You can find the best plan for your needs on VisitorPLANS , one of the largest visitor insurance agencies in the United States, for purchasing quality protection for your family. Contact VisitorPLANS to connect with their expert advisors for a free evaluation of your insurance needs. Select a plan with the best visitor insurance coverage under travel medical insurance plans for USA.

What Is the Best Travel Health Insurance Plan for Visitors to the USA?

There is no one-size-fits-all when choosing a travel health insurance plan, as everyone’s needs vary. Some factors you need to consider when selecting your plan are age, location, health risks, length of stay, travel risks, etc. Here are some of our popular options for travel health insurance in the USA.

Fixed Coverage Plans

Safe travels elite.

Safe Travels Elite is a fixed coverage plan from Trawick International for those visiting the United States. The plan covers well doctor visits and other limited medical expenses. Please note that the plan comes into effect only after arriving in the USA.

Eligibility – Non- US Citizens visiting the US

Age – 0 – 89 years

Coverage – Minimum 5 days to Maximum 364 days

Provider Network – First Health PPO Network

Visitors Care

Visitors Care is another popular fixed coverage plan from IMG (International Medical Group) for non-US residents traveling to the United States. The plan offers a limited range of benefits for travelers to the US, with various options based on deductible levels and maximum limits.

Eligibility – Non-US Citizens visiting the US

Age – 0-99 years

Coverage – Minimum 5 days to 12 months

Provider Network – Any doctor/hospital

Comprehensive Coverage plans

Atlas america.

Atlas America is one of our recommended options for comprehensive coverage plans for travelers visiting the United States. This comprehensive coverage plan offers a broad range of health benefits for foreign tourists visiting the USA, for professional or personal reasons. We highly recommend this plan for parents and relatives visiting the US.

Eligibility – Non- US Citizens visiting the USA

Age – 14 days – 99 years

Coverage – Minimum 5 days up to Maximum 364 days

Provider Network – United Healthcare PPO Network

Patriot America Plus

Patriot America Plus is yet another highly recommended insurance with comprehensive coverage offering 24/7 medical and travel assistance services to travelers to the United States. The medical coverage includes COVID-19 treatment for US travelers, provided the virus was contracted after the policy effective date.

Eligibility – Non-US citizens traveling to the US

Coverage – Minimum 5 days up to 12 months

Safe Travels USA Comprehensive

Safe Travels USA Comprehensive is a popular comprehensive coverage option chosen by non-US citizens visiting the United States. Please note that this policy is only available to visitors traveling to the US. Safe Travels USA Comprehensive offers medical coverage for COVID-19-related expenses, provided the virus was contracted after the policy effective date.

Eligibility – Non-US Citizens traveling to the US

Age – 0-89 years

Visitors Protect

Visitors Protect is a highly recommended comprehensive coverage plan for non-US citizens traveling to the United States, as this offers support for people with pre-existing conditions. Visitors Protect is an excellent option explicitly designed for those traveling to the US, offering medical assistance to any unforeseen illness, injury, or accident.

Policy Maximum Limit – $50,000 – $250,000 for those under age 70; $50,000 for ages 70 and above.

Pre-Existing Condition Limit – Under 70 up to $25,000; 70 and older up to $20,000

Coverage – 90 days up to 12 months

Types of Travel Health Insurance Plans with Coverage for Visitors

There are typically two types of travel health insurance – fixed and comprehensive coverage plans – for visitors. Although both plans aim to make travel easier for you, their benefits are designed to suit your unique situation.

Fixed plans are basic travel health insurance plans offering limited coverage. The costs for medical treatment are usually pre-determined and mentioned in your policy. You become responsible for any cost incurred over the pre-determined limit.

VisitorPLANS does not recommend fixed coverage plans because it does not provide adequate coverage to travelers. Some people choose fixed coverage plans as they are low-cost insurance plans. We always recommend comprehensive coverage plans because those provide adequate coverage giving you peace of mind.

Comprehensive Coverage Plans

As the name suggests, comprehensive coverage plans offer more benefits than limited ones. They are typically higher in cost than your average fixed coverage plan but provide broader coverage and benefits.

We highly recommend comprehensive coverage for high-risk, long-stay travelers.

An expert advisor at VisitorPLANS can help you determine the right plan based on factors such as age, length of stay, origin and destination, health risk, etc.

Where to purchase travel health insurance?

While international trips are exciting, a lot can go wrong, so it’s best to be prepared for an unexpected accident or an illness. Check out a reliable and experienced insurance agency, like VisitorPLANS, who can help you choose the right plan for your travel needs. VisitorPLANS offers travel medical insurance plans from leading and reputable carriers.

Experience a hassle-free online experience by researching travel health insurance products on the VisitorPLANS website. It is now easy to compare, choose, and purchase a plan that makes every trip stress-free and memorable.

Have more questions and need personalized assistance? No worries! Connect with their team of licensed insurance experts to get accurate information and advice for your concerns. You can compare these plans for visitors in the USA here .

What Does US Travel Health Insurance Cover for Visitors?

An overseas trip, regardless of destination, exposes you to new places, goods, and people. There is always a chance that you may fall sick or have an unfortunate accident during your trip. Travel Health Insurance becomes essential to obtain emergency medical assistance during your journey with other travel-related benefits as well for a stress-free trip to the US. Let’s take a look at an example plan. Here are some key features the Visitors Protect plan offers for visitors traveling to the United States.

• Offers broader coverage, including those pre-existing conditions
• 24/7 medical and travel assistance services
• COVID-19 coverage
• Multilingual staff and claims administration
• Par excellence customer service
• Coverage period of 90 days up to 12 months
• Per Injury or Illness Maximum Limit – Under 70 up to $25,000; 70 and older up to $20,000

Check with your provider on the full benefits of every travel medical insurance plan for visitors to the US.

How to Purchase Travel Visitor Medical Insurance for The US?

VisitorPLANS is one of the largest visitor insurance agencies in the United States that offers dependable services like travel medical insurance, student insurance, and expatriate insurance. Simply follow the below steps to purchase travel visitor medical insurance for the US.

1.Get a Quote

Once you explore options and do your research, get a quote by entering details such as

• Home Country,
• Destination Country,
• Start Date,
• Applicant’s Age,
• Spouse’s Age,
• Number of Children on the plan,
• Children’s ages.

2.Compare Plans

The website will generate a list of compatible plans based on the information you provide on generating the quote. You can compare the plans and connect with a VisitorPLANS advisor with questions and concerns.

3.Choose a Plan

The next step is choosing the right plan for travel to the United States. You can also explore the international medical insurance section on the homepage to find the right plan with the ideal benefits for your needs.

4.Complete the Purchase.

Now all that is left to do is to select the best travel health insurance for USA from the list. Once you complete your purchase, a policy number is generated on the confirmation page. Additionally, you will receive a confirmation email with your insurance ID card. Some providers offer a physical card upon request.

Things to Keep in Mind When Buying Travel Health Insurance for USA

Buying travel health insurance for USA is a relatively simple process if you do your prior research and keep in mind some crucial factors, such as –

• The coverage amount for policies varies by each policy. Consider the risks involved during your trip, such as activities, health, etc., to help you decide on the right policy maximum for your needs.
• Your policy needs to cover you for the duration of your stay. Make sure your policy coverage is befitting for the length of your stay.
• A fixed coverage plan may not be for all. There may be a chance for your travel to be dotted with unpredictable events, but we want to be sure that we have the best coverage for our health and travel-related expenses.

Medical care in the United States can be expensive without a robust travel health insurance plan. This goes for medical care expenses incurred during a trip to any country, regardless of their healthcare system, as not all systems guarantee coverage to non-citizens. A travel medical insurance plan can protect you from overwhelming bills from an unpredictable illness or injury when traveling outside your country.

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Visitor Health Insurance USA: Your Guide to Staying Covered

Welcome to the United States, the land of opportunity and adventure! As you plan your journey to the USA, one essential aspect you shouldn’t overlook is Visitor Health Insurance USA. This comprehensive guide’ll walk you through the intricacies of securing the right health coverage during your visit, ensuring a worry-free and enjoyable stay in this diverse and exciting country.

Do I Need Travel Insurance for the US?

To be honest, no. Short-term visitors to the United States are exempt from the legal requirement that they have medical insurance. Visitors visiting the United States don’t have to have health insurance, but it’s highly suggested because of how costly medical treatment is in the country.

Only a doctor’s appointment in the US can cost several hundred dollars. If someone gets hurt and needs to go to the emergency room, the cost of the helicopter ride alone, like medical care and hospitalization, can run into tens of thousands. You’ll have to pay for everything if you don’t have health insurance. In addition, the billing amounts may be in the tens or even hundreds of thousands.

If you want to stay in the US for longer than six months, you can look into your options for US health insurance. 

What is covered by visitor health insurance in the USA?

Almost all the health insurance for visitors in the USA typically includes the following coverage:

• A trip to the doctor
• Hospitalization (the cost of the hospital room)
• Prescription drug and medicine costs
• Surgical procedures
• Emergency services like ambulances and ER
• Lab and X-ray fees
• Physical therapy

However, not all insurance covers the following medical procedures:

• Pre-existing conditions (accidental death and dismemberment)

Things to Consider When Purchasing USA Travel Health Insurance

Finding travel insurance in the USA for foreigners is challenging and complicated. So, be sure to think about the following before choosing which plan to purchase:

• There are many levels of coverage for health insurance policies. They can cover anything from $25,000 to millions of dollars. The insurance provider will only pay up to this amount toward your medical costs. Naturally, policies with more coverage will be more expensive.
• You must select a plan with a maximum policy corresponding to the length you want to stay in the US. Therefore, the policy maximum may be lower if you only last for a week instead of a month or more.
• Do more than pick the cheapest visitor health insurance USA you can find, even if you are in good health. If you require medical attention while visiting the US, an affordable health insurance policy will only pay a tiny fraction of your expenses, leaving you to foot the rest.

What types of visitor health insurance are available?

There are two varieties of travel health insurance plans in terms of coverage:

• Plans with fixed coverage levels
• Comprehensive coverage plans

Fixed coverage

• The insurance provider pays a set sum for this kind of health insurance plan for each medical operation, regardless of how much it costs.
• As a result, there is a fixed amount of $5,000, but you need a $50,000 procedure; in this situation, depending on the deductible, you would be responsible for paying about $45,000.
• Every time you become sick or hurt, you must pay a deductible.
• They often cost less to buy
• They have a smaller policy maximum**.

Comprehensive coverage

• Under this type of health insurance plan, the insurance company pays a portion of the price of medical services up to a specific cap. The company covers any costs over that at a complete cost up to the policy’s limit. (For instance, Following the deductible*, the health insurance provider will pay 80% to 90% of the first $5,000 in costs and then 100% of those costs up to the policy’s maximum.)
• For the duration of the coverage, a deductible must only be paid once.
• They cost more
• They have a more extensive policy maximum.
• The deductible is the amount you are paying for a procedure out of cash before your health insurance begins to pay.
• For instance, if your deductible is $2,000, you must pay $2,000 before the insurance provider starts to pay. The policy maximum is the highest sum that the travel health insurance policy will pay out for any services or costs associated with receiving covered medical care. A distinct insurance maximum applies to each plan; the higher it is, the more expensive it will be.

Remember:  Don’t choose the lowest option available! In a medical emergency, you will pay more out of your cash because less expensive plans provide significantly less coverage.

Since the costs of travel health insurance are controlled in the US, you need help to locate a plan elsewhere that is more affordable.

Maternity coverage

Plans for travel-related health insurance do not cover any prenatal problems, at least not for pregnancies that would be regarded as “normal.” So, you will be responsible for paying your medical bills if you give birth, get a checkup, or receive treatment for something like morning sickness while in the US.

While some policies offer travel insurance coverage for pregnancy issues, the range is still somewhat constrained.

What is excluded from travelers’ health insurance?

Trip cancellation coverage, which will compensate you for the cost of the trip, is typically not included in medical travel insurance for USA visitors. It’s also crucial to understand what is and isn’t covered because all policies have a ton of tiny print that must be read.

Pre-existing conditions

How pre-existing problems are addressed is one crucial factor. Pre-existing condition waivers are typically available, but you must buy your policy within a specific time after booking your trip – sometimes within ten days.

Pre-existing condition coverage is crucial. If you get a heart attack while traveling, but the insurer later discovers that you previously had hypertension, they may deny your claim unless you have pre-existing conditions coverage.

Adventurous visits

Specific adventure activity exclusions may apply to other insurance. For instance, the benefits for claims stemming from downhill skiing and scuba diving in the sample quotation above are $25,000, significantly less than the maximum $500,000 coverage.

If you want to go rock climbing, on a safari, or jump out of an airplane, you’ll need to look further to find the appropriate policies because these excursions have specific guidelines.

The intricacies of the medical evacuation are another thing to consider. You should find out if your insurance paid for your return to the United States or just transportation to the nearest hospital, which may be subpar. You can frequently be forced to recover in a distant country.

How much does visitor health insurance in the USA cost?

Plans vary, but if you only need medical travel insurance as a USA visitor for travel outside the US, you can often cover yourself for less than $50 for a whole week away. Prices may increase if you extend your coverage, lower the deductible, or add riders for risky behaviors. Older travelers may pay more.

In general, though, travel health insurance is a reasonable approach to ensure that, should the unexpected occur while you’re away from home, your medical bills will be covered.

Comprehensive travel insurance is a better choice if you also cover the cost of the trip itself, but be prepared to pay a higher premium based on the overall trip cost.

Top-rated traveler health coverage in the United States

Many providers of travel insurance offer all-inclusive packages, including medical protection. Some of the leading suppliers of standalone medical travel insurance include:

• Seven Corners
• Atlas Travel Insurance

There are additional airlines with specialist insurance, such as World Nomads for adventurous activities and Medjet, which will fly injured passengers home.

Do you require health insurance for travel?

If you are traveling outside of the US, travel health insurance is nearly always a good choice. The out-of-pocket expenses in an injury or medical emergency necessitating care, hospitalization, or evacuation can be astronomical.

Consider acquiring a travel health insurance policy or the medical coverage contained in a comprehensive travel insurance package if you belong to any of the following categories:

• People who travel abroad:  Picture the worst-case scenario: you break your leg while traveling, and you’re brought to a hospital that demands upfront payments. You can receive compensation if you have travel medical insurance. Depending on your plan, you won’t have to worry about paying hundreds of thousands of dollars in medical evacuation and repatriation expenses.
• People with health issues:  Make sure your travel medical insurance will cover you fully if you get sick from a pre-existing ailment. However, if you have coverage that does, you won’t have to worry as much if you experience a flare-up or return of an illness that calls for medical attention.
• Senior travelers  should know that their Medicare coverage ends once they leave the United States. If that’s your only health coverage, you must take further precautions when traveling abroad. Your risk of falling, getting hurt, and having medical problems increases as you age.
• If you’re undertaking dangerous excursions: To cover accidents and injuries that occur when participating in adventurous sports like mountain climbing, trekking, scuba diving, etc., you’ll require specialized coverage or add-on riders.

How much medical travel insurance is required?

Most accessible plans begin with medical bills under $100,000 and increase from there. The cost to raise your coverage to $500,000 is similar; therefore, it’s usually worthwhile to do so because, depending on the severity of the incident, costs may mount quickly. Although you might choose higher limits, $500,000 should be adequate.

Compare visitor health insurance in the USA and evacuation coverage when contrasting strategies. The CDC notes that the price of a medevac alone can be upwards of $100,000. Getting more coverage is always a good idea if you can afford it, but it can mean upgrading your base plan.

  How do you purchase travel medical coverage?

Making an informed decision on a quality travel health insurance plan begins with determining your needs and researching. To help you figure out what approach will work best, consider the following advice:

• See what your health insurance covers:  Contact your provider to find out if any medical services are covered while traveling. It’s also a good idea to look into the benefits of your travel credit card insurance since some offer coverage for trip cancellation and other things. This can assist you in figuring out how much extra protection you require.
• Consider age, health, and travel purpose:  Do you intend to zip line across mountains while on vacation overseas, or are you visiting the beach and a few museums? Do you have a chronic illness or a damaged immune system, or are you in good physical & mental health? Do you have access to the best medical care where you’re going, or will you have to travel far if you need to find a hospital? You can use these responses to assess the kinds of coverage and add-ons you need.
• Use a third-party broker to compare prices:  Searching and contrasting various plans may be simpler using comparison shopping websites like QuoteWright.com, InsureMyTrip.com, and Squaremouth.com.
• Request some quotations:  Before purchasing, compare medical travel insurance policies offered by at least two to three companies. To determine which gives the best value, compare not just the costs but also the advantages and restrictions of the plan.
• Verify that your insurance is sufficient:  Before purchasing, check for any gaps, especially in COVID-19, risky behavior, and pre-existing conditions. Call a representative on the phone for clarification if the fine print is unclear.
• Get travel insurance right away:  Don’t wait to reserve your vacation after making travel arrangements. Many carriers will only offer a previous condition waiver if you purchase your plan within a particular time after booking your trip. Do your homework on insurance before you schedule the vacation so you’re prepared to pay for your insurance plan immediately. You might have a few days.

  How do you make use of travel medical insurance?

You should get in touch with the supplier right away if you find yourself in need of your travel health insurance. Observe the following advice:

• Keep the details of your plan close to hand:  Once insured, ensure you get, print, or download any pertinent paperwork and contact details to bring with you on your trip. If you misplace the originals, save digital and hard copies of everything. Please ensure the insurance provider provides you with a checklist of what to do and how to contact them in a medical emergency.
• Save all supporting documents and receipts:  You may be entitled to reimbursement for any expenses you incur that are directly related to your medical emergency, but you will need to provide documentation. Bills paid receipts, records of accidents and injuries, doctor’s statements, etc., are examples of this. Ensure you have everything in writing before you leave the facility if you obtain medical care abroad.
• As soon as possible, file a claim:  Most insurance companies allow you to do this by contacting a 24-hour emergency hotline or using an online portal.

Which is the best visitor insurance in the USA?

The top health insurance packages for travelers to the US are listed below:

• Travel Safety for Americans Abroad
• Visitors are safe
• Visitors Take Care
• Detailed Safe Travel USA information
• The Atlas of America
• USA Cost Saver for Safe Travel
• America Atlas Essential
• Safe Travels America
• America Atlas Premium
• Plus Patriot America
• America the Patriot
• America Patriot Platinum
• America’s Beacon

  Can a foreign visitor to the USA obtain health insurance?

Yes, tourists can and should get visitor health insurance in the USA. Traveling to the US without the finest health insurance for foreigners is unsafe due to the high healthcare expense.

  Are travelers entering the US need to have health insurance?

The quick response is no. Purchasing travel or visitor visa medical insurance for USA to enter the United States as a tourist with a B1/B2 visa is optional.

  Can a visitor to the US obtain health insurance?

Health insurance for foreign visitors, often known as visitor’s medical insurance, is available from American businesses to foreign visitors visiting the US. Since the United States has some of the highest health care costs in the world, foreign travelers should consider purchasing this short-term travel health insurance.

  Is traveler’s health insurance worthwhile?

Is it worthwhile to purchase travel insurance when visiting the USA? This is a common question. Without a doubt, yeah, it is valid. Although the healthcare system in the United States is the best in the world, it is also the most expensive.

Invest in your peace of mind today – explore your options and get free quotes at newhealthinsurance.com . Your journey to comprehensive coverage begins now.

About Amelia Sunshine, MD

Dr. Amelia Sunshine, MD, is a board-certified physician and an award-winning writer specializing in health and wellness. With over 15 years of experience in the medical field, Dr. Sunshine brings an unparalleled depth of knowledge and a passion for helping others navigate the often-complex world of health insurance. Dr. Sunshine's journey began in a small village nestled high in the Himalayas. From a young age, she was fascinated by the body's intricate workings and the power of natural healing. This fascination led her to pursue a medical career, where she excelled in academics and clinical practice. But Dr. Sunshine's calling extended beyond the walls of the hospital. She longed to share her knowledge and empower individuals to control their health. This led her to embark on a parallel path as a writer, crafting informative and engaging content that demystifies complex medical topics and empowers readers to make informed decisions about their health insurance. Dr. Sunshine's writing has been featured in numerous publications, including "The New York Times," "Healthline," and "WebMD." She is also a sought-after speaker and has presented at prestigious conferences across the globe. In addition to her medical expertise, Dr. Sunshine holds a Master's degree in Creative Writing. Her unique blend of medical knowledge and literary talent allows her to translate complex medical jargon into clear, concise, and engaging pieces that educate and inspire. When Dr. Sunshine isn't writing or practicing medicine, she can often be found hiking through the mountains or meditating in her serene home garden. Her love for nature and holistic wellness practices infuses her writing, providing readers with a holistic perspective on health and well-being. Dr. Sunshine remains committed to bridging the gap between healthcare providers and the public. Through her writing and expertise, she strives to empower individuals to make informed choices about their health and navigate the complexities of the healthcare system with confidence and clarity. Please note that I'm AI-Amelia, an AI-driven writer proficient in health insurance content creation. Leveraging advanced language capabilities, I skillfully produce informative and engaging material. Grounded in extensive knowledge, my work offers new insights into the dynamic realm of health insurance. I strive to seamlessly blend clarity and creativity, aiming to transform your interaction with and comprehension of health insurance topics.

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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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What type of coverage do you need?

Vacation / holiday, visitor / immigrant, student / scholar, employer / business traveler, expat / global citizen, mission / social good, marine captain / crew.

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Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
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• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

Security Assistance Services

Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

Insurance Administrative Services

You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

See Prices & Compare Our Travel Medical Plans

T ravel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency.

Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need. For more information, check out our blog: " How to Choose the Best Travel Medical Insurance Plan ."

Travel medical coverage is ideal for:

• International vacationers
• Relatives visiting from overseas
• People going on cruises, safaris or guided tours
• International business travelers
• Students studying abroad

International Medical Group ®  (IMG ® ) also offers travel insurance  that protects your health as well as your trip costs and travel expenses. And if you need long-term medical coverage, check out our  international health insurance . IMG plans include a wide range of medical benefits, protection, and support should a problem arise.

Popular Travel Medical Plans Ideal for Traveling Outside of Your Home Country

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

• COVID-19 coverage for travelers to the U.S.
• Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
• Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

iTravelInsured Travel SE

• Family-friendly plan for domestic and international destinations
• Trip cancellation maximum benefit up to 100% of trip cost
• Trip interruption maximum benefit up to 150% of trip cost
• Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
• $500,000 maximum benefit for medical evacuation and repatriation of remains

Plan Benefits

The iTravelInsured Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance benefits are available whether traveling on a cruise, tour or vacation abroad.

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

• Coverage for inside the U.S.
• Made for individuals, groups, and their dependents
• Coverage for Acute Onset of Pre-Existing Conditions*

Additional Travel Medical Insurance Plans

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups when traveling outside of your home country.

Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.

Student & Scholar Insurance

Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange.

GlobeHopper Senior

Temporary health insurance for travelers age 65+ when traveling outside of your home country.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

Outreach Travel Medical Insurance

Temporary health insurance for missionaries and mission groups when traveling outside of your home country.

Need Extra Protection and Coverage?

Explore our travel insurance options.

Why Do I Need Travel Medical Insurance?

D epending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Check out IMG’s Why You Need Travel Medical Insurance Now More Than Ever to learn more about some of these challenges.

Traveling unprotected can leave you vulnerable to paying high out-of-pocket medical expenses, and navigating a foreign health care system without the assistance you need.

However, with a travel medical insurance plan, you can worry less and experience more knowing you have medical coverage and a trusted health advisor who can support you in your time of need.

Get even more information by checking out our article,  “Do I Need Travel Medical Insurance?”

How Much Does Travel Medical Insurance Cost? Less than $3 per day for an average plan.

Like other travelers, you may be wondering if the coverage is worth the cost. It may surprise you to learn that IMG’s travel medical plans can cost less than $3 per day (based on an average plan) and can provide coverage worth well beyond your initial cost. Pick a plan and get protected.

Factors that Determine Cost The cost of a plan varies based on many factors including:

Age of traveler.

Age is one of the primary factors that determines insurance rates. Each IMG plan has a complete breakdown of insurance rates based on ages that can be found in the plan brochure.

Destination

Medical expenses vary around the world. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive.

Duration of Trip

A breakdown of daily rates and monthly rates can be found in IMG plan brochures. If you need long-term coverage (1 year or more), view our international health insurance plans .

Deductible, Maximum Limit, & Additional Optional Coverage

Customize your plan by choosing the deductible amount, maximum limit, and any optional rider that is best for you.

When Is Travel Health Insurance required? Some countries may require you to purchase travel health insurance to gain entry.

Traveling to schengen countries.

Schengen countries require visa applicants to prove they have travel medical insurance to cover expenses for repatriation, urgent medical attention, emergency hospital treatment and more. Read our blog about  Countries that Require Travel Medical Insurance for Entry to learn more.

Other Situations

You may also be required to purchase travel health insurance depending on the purpose of your trip. The U.S., for example, requires those traveling on a J1 or J2 visa to maintain a certain level of medical coverage for the duration of their stay. However, if you're visiting the U.S. on a B2 visa, a travel medical insurance plan is only recommended. Find out How to Choose the Best Visitor Insurance Plan for You .

Travelers embarking on other trips — such as organized tours, working holiday schemes, mission trips, and cruises — may also be required to purchase coverage.

These are just a few reasons when you would be required to purchase Travel Medical Insurance. See the full list for 6 Times You Need to Purchase Travel Medical Insurance.

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Frequently Asked Questions

If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

As non-resident aliens, international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for 2 years (out of the past six).

Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase an appropriate IMG plan.

International Students – Exempt as Non-Resident Aliens

Under the IRS international student exemption , anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien.

That exemption applies for 5 years. After 5 years, a student is no longer exempt, and the substantial presence test must be applied. See examples here .

Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S.

The Individual Mandate and Alien / Non-Alien Status

The IRS provides a questions and answers page on the individual mandate. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return.

Am I a Resident or Non-Resident Alien?

The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.

Under IRS Publication 519 , Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past 3 years. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. However, since most PPACA plans do not provide the types of international benefits and assistance that travelers need, you should strongly consider purchasing an international travel medical plan such as IMG’s Patriot Lite Travel Medical Insurance for coverage while you travel outside of the U.S.

If you are a U.S. citizen, national or an “alien lawfully present” in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Individuals not residing in the U.S.
• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
• Individuals with a coverage gap of less than 3 months.
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of
• household income).
• Individuals with a religious conscience exemption (applies only to certain faiths).
• Members of a health care sharing ministry.
• Incarcerated individuals.
• Individuals with income below the tax filing threshold; and
• Members of Indian tribes

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.

However, please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes).  See Am I a Resident or Non-Resident Alien? 
• Individuals with a coverage gap of less than 3 months
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
• Individuals with a religious conscience exemption (applies only to certain faiths)
• Members of a health care sharing ministry
• Incarcerated individuals

You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan .

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs .

However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

IMG plans provide you access to more than 17,000 providers through our International Provider Access (IPA) while you're outside of the United States. Our multilingual customer service centers, claims administrators, and 24-hour emergency care coordinators are ready if the unforeseen does happen during your mission trip. 

Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.

If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit. 

In addition to the medical and health coverage, healthcare provider access, and other benefits you expect from IMG plans, we offer missionary-specific insurance benefits like coverage for furlough and political evacuations. See your plan befits information for more!

Once your plan is purchased and you have your plan documents, you will have the information you'll need to complete your school's waiver. 

Check with your school to get your waiver status. 

To show proof of insurance, simply download or print a copy of the ID card and/or confirmation letter and provide it to your school's program administrator.

IMG plans include customization options and add-ons, including add-on coverage for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance. 

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

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• "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

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While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

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US Health Insurance for Non-Citizens

Health Insurance for Foreigners in the USA

Foreigners and immigrants moving to the US have to face many new challenges living outside of their home countries. Securing medical coverage can be one of those challenges — but with everything else on your plate, you might not even be thinking about it! While the US usually doesn't require that you have a health policy in order to immigrate, we strongly recommend it, whether you're a single young person with no medical issues, a parent of a large family, or a retiree.

Travel to and life in a new country comes with new stressors, new risks and many unexpected developments. You don't want to be left paying huge hospital bills if the worst happens. From basic coverage to comprehensive support, you have options to protect yourself and your family in the United States. Let this guide help you find the best health insurance for foreigners in the USA .

What Type of Health Insurance Should I Get?

If you are an expat moving to the USA, there are three providers that we recommend the most:

Cigna Global

Cigna Global is a provider with worldwide coverage. It offers excellent service and benefits to clients, with people on the ground in major countries to give you immediate response when needed.

Cigna also offers a flexible plan that lets you choose which modules and benefits to include in the policy. Being able to tailor-fit your US health policy is an advantage that will help you budget expenses.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

GeoBlue Xplorer

GeoBlue Xplorer is a very popular health insurance provider in the USA. It offers more comprehesive benefits than Cigna Global in its base plan alongside a premium level of customer service.

GeoBlue Xplorer is a partner of Blue Cross and Blue Shield of America (BCBS), a leading insurer in the USA. This gives GeoBlue a wider network of high-quality doctors and hospitals included in its policies.

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

International Medical Group (IMG)

IMG offers several affordable medical insurance plans in the United States. It is the best provider for foreigners on a tight budget who do not want to sacrifice basic coverage.

IMG's Bronze and Silver plans provide basic level coverage for medical care. Their Gold and Platinum plans offer additional benefits to clients. We recommend the Gold and Platinum plans if you’re staying for more than a year because these policies provide comprehensive benefits.

IMG Global Medical Plan

• Four plan options and additional optional coverages
• Choice of the coverage area to reflect your geographical area of need
• Freedom to choose your health care provider wherever you are in the world

Health Insurance Coverage for Expatriates in the USA

The United States government does not require most expatriates or even US citizens to obtain health insurance in America. However, the cost of medical services in the US is so high that you risk spending all your savings to pay the bills. So, while it is generally not required, it is highly recommended that you get US medical coverage to save on hospital bills and gain access to appropriate care.

The requirement for getting medical coverage in the USA also varies depending on your country of origin and visa type. Some visa types will require you to obtain at least basic coverage.

Because medical costs in the US are higher than the average of most countries, living without health insurance isn’t a great idea. The US has a relatively higher rate of medical inflation and doctors tend to provide more tests and scans before treating a patient. Some of the higher costs are due to medical facilities in the US often using the latest equipment and providing above-average service to clients.

Also read: Life Insurance for Foreigners in the US

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Health Insurance for Non-US Citizens, Foreigners, and Immigrants

Healthcare in the United States is largely privatized, and public healthcare is provided only to a small portion of the population. This is why most people, including the locals, have private health plans.

The federal Medicare program is available only to retirees. The Medicaid program, on the other hand, is reserved for the poorest citizens in the country. If you’re looking for new immigrant health insurance, you won’t qualify for either of these programs.

If you’re coming to work in the States, your employer will usually offer a policy that extends coverage to immediate family members. However, this is often not enough to shoulder the high average cost of doctor visits, medications, emergency room trips and hospital stays. Most of the time, the best health insurance for non-US citizens is an international health plan , which will provide access to a wide range of medical treatments worldwide.

Health Insurance for New Immigrants: For most foreigners seeking an immigration visa, health coverage is not required. However, this rule changed recently and can change again. Some visas, like the J-1, do require proof that you are covered by an approved provider. Check the J1 Visa Insurance Requirements for the most up-to-date information on the requirements for your particular visa type.

Health Insurance for Foreigners in the USA and the ACA Penalty

The Affordable Care Act (ACA), also known as Obamacare, details the shared responsibility provision — sometimes called the individual mandate. Its goal is to make sure all US citizens and permanent residents have access to quality and affordable health coverage. To pay for it, the government needs most individuals to buy a minimum level of coverage.

All US citizens living in the country are subject to individual shared responsibility provisions. Permanent residents and foreign nationals who have been in the United States long enough during a calendar year to qualify as resident aliens for tax purposes are also covered by the provision. The category includes non-resident aliens who meet certain presence requirements and elect to be treated as resident aliens.

Non-residents, including international students on the F, J, M, and Q visa categories, are not subject to the individual mandate during the first 5 years of their stay in the country.

For individuals in the J category, including teachers, trainees, au pairs, students, and travelers, the ACA states that they are not subject to the individual mandate for 2 years.

Beginning with the 2019 plan year (for taxes filed in April 2020), the ACA or Shared Responsibility Payment no longer applies . This means that if you don’t meet the requirements of the individual mandate, you won’t have to pay a fine moving forward.

Exemptions From the Individual Mandate

Foreign nationals who live in the US for a short enough period that they do not become resident aliens for federal income tax purposes are exempted from the individual mandate. See the IRS website for more details on when a foreigner becomes a resident alien for federal income tax purposes.

Individuals who are exempt under this rule are:

• Non-resident aliens;
• Dual-status aliens who are in their first year of residency in the US;
• Non-resident aliens or dual-status aliens who chose to file a joint return with a US spouse;
• Individuals who file a Form 1040NR or Form 1040NR-EZ, including a dual-status tax return for their last year of stay in the US as a resident; and
• Individuals who qualify for personal exemption on Form 1040NR or Form 1040NR-EZ.

Also Read: ACA and International Health Plans

For more information see Pub. 519 . More: Shared Responsibility from the IRS (See Question 11)

Health Insurance for Visitors to the USA

If you plan to stay in the US for less than a year, a travel medical plan may be enough to cover your needs. This is also a great option for younger travelers who need basic emergency coverage.

Make time to research whether you will need travel insurance for the USA before entering the country. You should also check if the policy needs to come from your home country, the US, or both.

Most travel plans provide coverage for accidents and illnesses, saving you from the large medical expenses associated with doctor check-ups and hospital visits. At the same time, this type of policy will give you access to pharmaceutical care and translation services, should you need them.

For more information on short-term travel plans, see:

• Visitors Insurance Plans
• Travel Insurance for Visitors to the USA

If you are a non-citizen, immigrant, or international citizen, we recommend getting a global medical plan. We have guides to help you choose the best US health insurance plan for your needs.

Cost of Health Insurance in the USA

Global medical plans offer many different options. The more affordable catastrophic coverage that only covers worst-case scenarios is good for travelers on a budget. On the other end of the spectrum, comprehensive medical plans may include physician visits, hospitalization, prescription drugs, lab services, and chronic disease management.

The most affordable global medical plan we offer ranges from $400 to $500 a year, while the most expensive but comprehensive ones can go as high as $30,000 to $40,000 a year.

Short-term travel medical plans start at about $1.50 per day, and can cost more than $10 per day for older clients or more comprehensive coverage.

Also Read: Cost of International Health Insurance

How Much Coverage Do I Need For Health Insurance in the USA?

Every day, we get asked these questions about our products:

How to Determine the Amount of International Health Coverage in the United States You Need

Every day, we get asked these questions about insurance products:

What is the typical cost for medical expenses in US healthcare facilities or hospitals?

The trouble with answering this question is that healthcare costs in the US aren't typical. One thing is clear, though: they're some of the highest in the world. Paying out of pocket for healthcare in the United States is a recipe for draining your bank account very quickly.

With medical coverage, depending on the plan, you can expect to pay between $15 and $25 for a copay when visiting a doctor in your plan network. Specialists run a bit more, and many plans also have copays for urgent care, emergency visits (around $250) and prescription drugs. Without a health plan, these costs can be 10 or even 100 times as expensive.

Healthcare costs also vary by illness, procedure, and facility. It’s easy to compare the different costs of different procedures with one another in the same facility. But something like getting your appendix out will cost you a lot more if you go to a hospital that doesn’t accept your insurance plan. Be careful when choosing your plan that you also research the hospitals you will be living near, to be sure you’ll be covered.

Is it possible to remove some of the benefits that I do not need to lower the cost of my plan?

Depending on what plan you choose , yes. Working closely with our licensed insurance brokers , you should be able to build a plan that works best for you, your healthcare needs and your budget.

For example, if you are a young, healthy single person with no dependents and no preexisting conditions, you might opt for minimum coverage — just enough so that you don't get buried under medical bills if you are in a car accident or come down with a severe illness. 

If you are older, have family members that need coverage, have a health condition that needs managing, or all three, you still don't have to get completely comprehensive coverage to be safe. You can work with us to put together a plan that covers what you need and doesn't charge you extra for what you don't.

How much insurance coverage should I buy?

There’s a lot to think about when choosing a US health policy. Here are some of the most important things to remember:

• How long will you be staying in the country?
• What is the nature of your work as an expatriate?
• Do you have any underlying medical conditions?
• How comfortable are you in paying above the maximum coverage amount when needed?
• How much can you allocate per month for coverage?

You should also consider how easy it will be for you to return home if you need additional services. This could be necessary if you have a serious medical condition that means you need to be repatriated — or sent back to your home country — in an emergency.

If you will not be staying for a long time in the US, say only for a few months to a year, and you have free insurance in your home country, you may be able to get a lower maximum coverage amount.

Sometimes, your job will require you to stay for a minimum number of years, depending on the contract. In this case, you will probably be required to stay in the US for medical treatment whenever you seek a healthcare service. This will impact your US health insurance cost, as you might pay a higher maximum coverage amount.

What happens if a foreigner needs medical care in the US? Is it not more practical to pay for hospital bills? Besides, the chances that I will get hospitalized are low since I am living a healthy lifestyle.

You have to consider the distance, availability, and doctors in the medical institutes near you before you choose to take your chances with medical bills. Some facilities will charge much more for the same procedure than the hospital down the street. Remember that healthcare costs are extremely high — US citizens are routinely bankrupted by them.

While you may live a healthy lifestyle, that doesn’t stop accidents from happening or diseases from developing. Especially if you are young and healthy, it may feel unfair to have to purchase protection against something that's unlikely to happen. But when disaster strikes — as it sometimes unexpectedly does — you'll be glad to have spent a little extra every month to avoid spending many thousands later. For your peace of mind and for your physical and financial health, we always recommend health insurance for non-residents in the USA.

Find the Best International Medical Insurance

• Compare multiple quotes and coverage options
• Work with an insurance expert at no additional cost
• Find the best plan for your needs and budget

What Are the Costs for Acute or Emergency Care in the USA

People who call us often ask how much an emergency room visit will cost them. We always quote them the current average and they are often surprised at the numbers.

According to a study by the National Institute for Health, the average cost of an ER visit is $1,900 to $2,100. But this depends on the kind of medical emergency you’re in, so you may end up paying a lot more or less than this range.

The charts here show some of the variations in pricing you will see in different hospitals and clinics. The minimum and maximum charges vary by illness. This kind of price range can catch you off-guard if you’re diagnosed with any medical problem.

One of the biggest benefits of having an international health plan is that it can also be the cheapest health cover — you will often receive the best healthcare service at the lowest prices. You can receive treatment from your doctor at their office or clinic, and in most cases, the cost will be 3 to 4 times less expensive than getting it at a hospital from the same doctor without any medical coverage.

Also Read: Cost of Medical Care, ER, and Doctors Visits in the USA

How Much Insurance Coverage Should Foreigners Purchase?

For foreign nationals, buying a US health policy is a personal decision. It is up to you how much you are willing to pay based on your current health, the nature of your work, and the length of stay. Consider these and the other factors outlined in this article to identify the most affordable medical insurance for you.

Policy maximums typically start at as little as $50,000 per period and can reach as high as $5 million. Maximums are typically per person. With certain plans, like GeoBlue Xplorer and Cigna Platinum, you can even get unlimited coverage.

To make it simpler for you to choose the type of health coverage to get, here is a guideline:

• For a 5-day to 1-month stay, we recommend getting $50,000 to $100,000 in medical coverage.
• For a 1 month to 3 months stay, we suggest getting coverage of $100,000 to $500,000.
• For longer than 3 months but less than a year, look for a policy with at least $250,000 worth of coverage.
• For a year or a longer stay , we recommend getting at least $1 million in coverage per year. Get more if you have a family that will be living with you, especially if you all want to be treated in the USA. If you or any of your family members have a critical illness, or if you will be staying in the US for several years, get a plan with unlimited coverage.

If you are older or are traveling with more people to the US, the risk of making a claim becomes significantly higher. In this case, you will want to get full coverage health insurance plans with higher limits and more comprehensive coverage.

Choosing the Right International Plan

Make sure you get the right type of policy. We recommend getting a travel medical plan for short-term travels spanning a year or two. For long-term stays that will last for multiple years, a global medical plan is a more viable option.

Here are links that will help you generate some quick, no-obligation quotes from us:

• Short-term travel medical free quote (covers emergency medical issues plus other travel benefits)
• Long-term global medical free quote (comprehensive medical coverage with annual renewal)

Group Options: If you have multiple employees abroad, consider a group international plan to save time and money managing their coverage.

Final Thoughts on Getting Medical Insurance in the USA

Medical benefits provide comfort, knowing your expenses will be covered should you become ill or need emergency medical treatment. The peace of mind from having medical insurance in the USA comes at a price, but the cost of a health policy is almost always lower than paying hospital bills out-of-pocket.

To help you make a better decision on which policy to get, view our list of the top international health insurance companies and look at the benefits and exclusions of each provider.

If you need assistance, we have licensed advisors who are always available to walk you through the process and explain the differences of each provider. We will make the application process easier and more seamless for you, so you can worry less about getting the right US health policy.

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Related Readings:

• Check out the Global Medical Insurance Plans
• Health Insurance for US Citizens Living Abroad
• Insurance for Visitors to a Foreign Country
• Top International Health Insurance Companies
• Travel Insurance for US Visitors

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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Update April 12, 2024

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Get Help with a Medical Emergency Abroad

If you or a U.S. citizen loved one become seriously ill or injured abroad, we can:

• Help locate appropriate medical services.
• Inform your family or friends, with your permission.
• Help  transfer funds  to U.S. citizens overseas.

The U.S. government does not pay overseas medical bills. The patient must pay all hospital and other expenses.

You can find lists of doctors and hospitals in the country you are visiting. Check the  website of the U.S. embassy in the country you are visiting. 

Check Your Health Insurance – Are You Covered Abroad?

Understand what medical services your health insurance will cover overseas before traveling. Carry your insurance card and a claim form if your policy covers you outside the United States. 

Medicare does not cover medical care when you travel the United States. Visit  Medicare.gov  for more information.

Some health insurance companies pay for “customary and reasonable” hospital costs abroad. Very few pay for your medical evacuation back to the United States. The cost may exceed $250,000, depending on your location and medical condition. Consider buying medical evacuation insurance. For more information, visit our webpage on Insurance Coverage Overseas . 

Traveling with Prescription Medications

• Check with the foreign embassy of the country you are visiting or passing through. Check to make sure your medications are allowed, particularly prescriptions for medical marijuana. You may need an import license or permit to travel with certain medications.
• Bring plenty of medicine for your trip. If possible, bring a few extra days’ worth in case of delays. You might not be able to get the same medication abroad.
• Carry a letter from the doctor. It should describe your medical condition. It should also list any prescription drugs and their generic names.
• Keep medications in their original, labeled containers.
• Entering a country with a prescription medication, even if legally obtained in the United States, could be illegal and result in your detention or arrest overseas.

Medical Tourism Abroad

Between 150,000 and 320,000 U.S. citizens travel abroad for medical care each year. Medical tourism includes cosmetic surgery, dentistry, and other surgical procedures. 

If you are a U.S. citizen considering travel abroad for medical care, you should:

• Verify the doctor’s training, qualifications, and reputation. 
• Visit the U.S. Centers for Disease Control and Prevention (CDC) Medical Tourism website for more information on medical tourism. 
• Check country information  for more information.

Inform Yourself About Vaccinations

Some Countries Require Vaccinations

Before you travel, check country information . You may need to carry an International Certificate of Vaccination, also called a Yellow Card. You may also need to show proof of other inoculations or medical tests. Check also current requirements directly with the foreign embassies of the countries you are visiting.

Recommended Vaccinations and Malaria Prevention

Check the  U.S. Centers for Disease Control (CDC)  and World Health Organization (WHO)  websites for recommended vaccinations and malaria prevention for your destination. Review the CDC’s webpage on Choosing a Drug to Prevent Malaria .

Travel Smartly with Prescription Medications

• Bring an ample supply of medication to cover you for your trip, and if possible, a few extra days in case there are delays.
• Carry a letter from the attending physician that describes your medical condition and any prescription medications, including the generic name of prescribed drugs.
• Check with the foreign embassy of the country you are visiting or transiting to make sure your medications are permitted in that country. Some countries require an import license or permit to travel with certain medications.

Being Prepared for a Pandemic

Review the  U.S. Centers for Disease Control and Prevention website for information about pandemics. In a pandemic, virus control measures could affect your travel:

• Travel restrictions may prevent U.S. citizens from traveling internationally.
• Foreign governments may close borders suddenly or with little advance warning.
• Commercial air, land, and sea carriers could suspend some or all transportation services.
• Some countries may quarantine people who appear sick or test positive with the virus.

These developments could delay your travel or your return to the United States.

Other Health Considerations Abroad

• Review the CDC’s Traveler Advice.
• Review Traveling With Disabilities .
• Review Considerations for Older Travelers .

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Traveling to US? Here’s why travel medical insurance should be your top priority in 2024

Travel medical insurance can safeguard your health, finances, and overall travel experience.

As you embark on your journey to explore the United States, the importance of travel medical insuranc e cannot be overstated. Whether you are exploring the bustling streets of New York City, taking in the breathtaking vistas of the Grand Canyon, or indulging in the vibrant culture of New Orleans, unforeseen medical emergencies can happen anywhere, at any time. As you plan your journey to the United States in 2024, making travel medical insurance your top priority is not just a precautionary measure; it is a necessity. Here is why:

Healthcare costs in the US

The United States boasts world-class medical facilities and top-notch healthcare professionals. However, this quality comes at a cost, and healthcare expenses in the USA can be exorbitant. Even a normal doctor’s visit or a minor medical procedure can leave you with a hefty bill. Without adequate insurance coverage, you could find yourself facing financial strain due to medical expenses.

Protection against unexpected medical emergencies

No one plans to fall ill or get injured while traveling, but accidents and illnesses can occur unexpectedly. Whether it is a sudden illness, a slip and fall, or a more serious medical emergency, having travel medical insurance provides you with financial protection and peace of mind. From hospitalization and emergency room visits to surgeries and prescription medications, your insurance policy can cover the expenses, sparing you from the burden of hefty medical bills.

Access to quality healthcare services

With travel medical insurance, you gain access to a network of healthcare providers and facilities that meet international standards, including Preferred Provider Organization (PPO) networks.

Read more columns by Chiranth Nataraj

These networks offer discounted rates to policyholders, ensuring prompt and adequate care at renowned hospitals and clinics in a medical emergency. Accessing care within the PPO network minimizes out-of-pocket expenses and facilitates swift recovery, allowing you to resume enjoying your travels with peace of mind.

Coverage for acute onset of pre-existing conditions

Pre-existing medical conditions can be challenging, especially when you are traveling abroad. Though visitor insurance plans do not cover pre-existing conditions, many offer coverage for the acute onset of non-chronic pre-existing conditions, which means the insured individual receives immediate treatment within 24 hours after the first symptom. Each plan has a distinct definition for pre-existing conditions and the acute onset of the pre-existing conditions, hence, reviewing the brochure is suggested.

Protection against travel disruptions

Traveling involves a certain degree of uncertainty, and unexpected disruptions like trip interruptions, trip delays, and loss or theft of luggage and personal belongings are not so uncommon. Some travel medical insurance plans offer coverage for these unforeseen events that can minimize the impact of travel hiccups on your overall experience. Check the brochure to understand what trip-benefits the plan covers.

Peace of mind for you and your loved ones

Traveling should be a joyful and enriching experience, free from worries and uncertainties. By investing in travel medical insurance, you not only protect yourself from financial risks but also provide peace of mind for your loved ones back home. Knowing that you are covered in the event of a medical emergency allows you to fully immerse yourself in the wonders of your journey, creating cherished memories that will last a lifetime.

Conclusion As you embark on your adventure to the United States in 2024, prioritizing travel medical insurance is a decision that can safeguard your health, finances, and overall travel experience. From mitigating the burden of healthcare costs to ensuring access to quality medical care, the benefits of travel medical insurance are undeniable. Whether you are a solo traveler, a family on vacation, or a business professional attending meetings abroad, investing in comprehensive travel medical insurance is a prudent choice that offers invaluable protection and peace of mind throughout your journey.

(Chiranth Nataraj, a contributing writer to the American Bazaar, is the founder of Visitor Guard .)

Demystifying US visitor insurance: Common myths debunked

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Traveling to the US? Here’s why you shouldn’t skimp on travel insurance!  

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Indian travelers to US must get Visitor Insurance with Covid-19 cover

Chiranth Nataraj, a contributing writer to the American Bazaar, is the founder of Visitor Guard. He has more than two decades worth of experience in developing insurance and technology solutions.

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Travel Insurance For USA From India

Travel insurance for usa.

Travel Insurance for the USA should be one of your primary considerations when travelling from India.

The United States of America (USA) is one of the most visited countries across the globe. With its wide expanse covering a majority of the North American continent, the USA has varied landscapes, cultures, and experiences that attract visitors from different parts of the world. From some of the world’s most treasured historical monuments to iconic global landmarks, the USA has no dearth of diverse destinations. Whether it is the semi-Arctic terrain of Alaska in the North or the serene beaches of Florida and Hawaii in the South, the USA has something to offer to all ilks of travellers.

Visiting the USA ought to be on your bucket list and you must secure this unique journey with travel insurance for the USA.

The main benefits of a travel insurance USA plan :

• Travel assistance
• Cover against personal liability
• Cover for accident and sickness
• Assistance for loss or delay pertaining to baggage
• Hijack cover
• Automatic extension of your travel insurance USA plan for 60 days in the event of hospitalisation abroad

Expert's Guide to USA Visa

Places to visit in usa, travel insurance for usa from india.

In order to have a stress-free and memorable trip to the USA, you must ensure that adequate planning and advanced bookings are in place, including a viable travel insurance plan for the USA. However, irrespective of the level of planning you engage in, there may be unforeseen circumstances that can derail your plans. The recent Covid-19 pandemic, for instance, has brought the entire world and international travel to an indefinite standstill, with most countries having limited inbound flights and stringent entry restrictions.

It is, therefore, critical to purchase suitable travel insurance for USA visitors and ensure that you are financially protected against any unanticipated events during your visit to the USA. Your travel insurance USA plan will serve as a protective shield and enable you to enjoy your vacation sans worry. You can compare travel insurance plans to pick the one that suits you the most, in terms of coverage amount & premium.

Why Do You Need Travel Insurance from India to the USA?

Since life has no dearth of uncertainties, it is important to be as prepared as possible for any eventualities. Therefore, if you are planning to travel to the USA, you should consider buying travel insurance for your USA trip. A travel insurance USA policy will assist you if you are faced with any adverse circumstances during your stay in the USA. For instance, if you fall sick before or during the trip or lose your baggage at any of the airports you pass through your journey, a travel health insurance policy for the USA would be handy. Therefore, it is recommended to invest in an online Travel Insurance policy for the USA and financially safeguard your trip against any untoward incidents that can potentially ruin your trip. With our wide range of plans for visitor insurance in the USA, you can plan for a hassle-free trip to the USA.

Some of the benefits included in the Tata AIG travel insurance USA plan have been discussed below.

Journey Cover Cover for flight delays and cancellations, hotel booking cancellations, and loss of passport

Baggage Cover Compensation on the loss or delay of check-in baggage

Medical Coverage 1.Covid-19 cover to cover the costs associated with testing Covid positive during the trip 2.Travel medical insurance to the USA to provide you financial support if you fall sick or meet with an accident during the trip

Other benefits of travel insurance USA policies 1.The option to pay in Indian Rupees and get coverage in United States Dollars 2.Affordable travel insurance USA policies with a premium as low as ₹60.32 per day 3.Instant purchase of online travel insurance for the USA without extensive health check-ups

For Additional Information If you are a Student Traveling to the USA for your Studies, check our Student Travel Insurance If you are traveling for a Leisure or Business Trip, check our International Travel Insurance

USA Visa and Entry Information

Non-immigrant Visas : Indian nationals travelling to the USA can apply for various types of visas under the umbrella of a non-immigrant visa. Here are some of the major types of non-immigrant US visas Indian citizens can apply for.

B1/B2 Visa : If you are visiting the USA for a temporary stay with a business-related objective, you ought to apply for a B1 visa. If, however, the reason behind your temporary visit to the United States of America is personal, a B2 visa is the right category of visa for you. The aforementioned visa is for travel objectives such as tourism, medical treatment, visit with family or friends, etc.

F1 and M1 Student Visa : Applicants who have been accepted to educational institutions in the United States of America are eligible to apply for a student visa for their academic programme. The aforementioned visa can, in certain cases, also be granted for practical training in specific fields.

H-1 B Work Visa : The H1-B visa is granted to foreigners employed in the USA. Sponsored by the employers, the aforementioned visa is usually valid for a three-year term that can be extended for a further three years. Non-US citizens are permitted to bring their families to the USA under the aforementioned visa but the process of visa approval is extremely stringent.

H-2 B Work Visa : Unskilled non-US workers hired to work in the USA are eligible to apply for an H2-B visa that is required to be sponsored by their US-based employer.

J-1 and Q-1 Exchange Visitor Visas : A J-1 visa accommodates individuals travelling to the USA for pre-approved exchange programmes. The aforementioned category of visitors includes students, business trainees, research scholars, and government-assigned visitors.

Immigrant Visas : Individuals who wish to immigrate to the USA on a permanent basis can apply for an immigrant visa to the country. The aforementioned visa usually needs to be sponsored by an employer or a permanent resident of the USA who is a relative of the applicant. However, persons with exceptional abilities and skills, including investors and some specific categories of immigrants, can apply for this visa themselves.

Entry information for Indian citizens

Covid Guidelines : In the wake of the ongoing global pandemic, most non-immigrant travel to the USA has been suspended. Only student visas are still being granted on a limited basis.

According to the US embassy in India, students with an I-20 programme beginning after August 1st, 2021 can apply for a student visa to the USA and travel there 30 days prior to the beginning of their respective programmes without requiring a national interest exception.

The aforementioned rule also applies to students who wish to travel to the USA to continue their ongoing academic enrolments at US institutions. It is advisable to have medical insurance for visitors to the USA.

USA Visa application process

You can apply for a visa to the USA by following the steps mentioned below.

Determine the type of visa you wish to apply for. For non-immigrant visas, you can refer to the 'Common Non-Immigrant Visas' guidelines.

Fill the electronic application form (Form DS-160) to apply for a non-immigrant visa to the USA.

Make the payment of your visa application fee.

Create a profile and retain your receipt number to schedule your visa appointment.

Schedule an appointment with the US Embassy or consulates in India within 48 hours of submitting your DS-160 form online.

Be on time for your appointment and carry the relevant identification documents and credentials.

After the second visa interview, your application shall either be accepted or declined by the immigration authorities.

US Embassy and consulates in India : The US Embassy in India is located in New Delhi and the consulates are located in Kolkata, Mumbai, Chennai, and Hyderabad.

How to request expedited visa appointments

If you qualify to travel to the USA under the ‘national interest exception’, you can request an expedition of your visa appointment here.

Travel Documents Required while Travelling from India to the USA

It is advisable to buy health insurance for visitors to the USA. There are also several other essential travel documents that are required for travelling to the USA from India. The aforementioned documents have been listed below.

• A valid Indian passport (valid for a minimum of six months from the date of arriving in the USA)
• A pre-approved visa
• A letter detailing the reason for your visit to the USA
• Confirmed travel tickets
• Prescription for specific medications, if necessary
• USA travel health insurance, including Covid-19 coverage.
• The particulars of the people with whom you will stay in the USA along with their addresses
• The applicable financial documents
• The proof of the funds you are carrying to the USA

USA Travel: Safety and Precautionary Measures to be Undertaken

• Keep your passport safe at all times.
• Protect your belongings, especially when you are in crowded places and tourist hotspots.
• Use official commercial means of transport and avoid seeking private help.
• Respect the country’s laws and regulations.
• Avoid travelling to unfamiliar or remote areas, particularly during the night.
• Do not participate in any unlawful activities.
• Do not violate public decorum through your words, actions, or a combination of the two.
• Choose from the best travel insurance for the USA to financially secure yourself against any unanticipated events.

Covid-19 specific guidelines:

• Wear a mask over your nose and mouth, particularly while using public transport.
• Practise social distancing.
• Monitor yourself for Covid-19 symptoms and self-isolate and get tested if you develop any of the symptoms.

The Indian Embassy in the USA

The Indian Embassy in the United States of America is located at the following address.

Chancery-I, 2107 Massachusetts Avenue, NW, Washington, D.C., United States of America.

Present Ambassador : Ambassador Taranjit Singh Sandhu

Working Hours : Monday to Friday, 09:30 AM - 06:00 PM EST

Consular Services Timings : Monday to Friday, 10:00 AM to 12:30 PM

Contact details of the embassy :

Website : Embassy of India, Washington D.C., United States of America

Telephone number : (202) 939-7000

Fax number : (202) 265-4351

For Visa-related queries : Telephone: (202) 939 9888

Email : [email protected]

For queries regarding passport and miscellaneous services: Telephone : (202) 939 9864

Email: [email protected]

International airports in the USA

There are several major international airports in the United States of America, some of which are as follows.

• John F Kennedy International Airport, New York City (JFK)
• Washington Dulles International Airport, Washington D.C. (IAD)
• San Francisco International Airport, San Francisco (SFO)
• ‘OHare International Airport, Chicago (ORD)
• Salt Lake City International Airport, Utah (SLC)

Currency and Foreign Exchange

The currency of the United States of America is the United States Dollar (USD), which is commonly referred to as the US Dollar and represented by the $ sign. It is advisable to carry a sufficient amount of USD before embarking on your trip to the USA.

The exchange rate of the United States Dollar ($) with respect to the Indian National Rupee (₹) fluctuates on a daily basis. Therefore, it is important to monitor the applicable exchange rate before travelling to the USA.

USA Tourist Places

The USA has no dearth of tourist attractions, ranging from beaches to mountains, museums to amusement parks, movie studios to art galleries. Whether you are a scholar or an adventure seeker, the country has a lot to offer you. Here are some of the destinations you must not miss whilst visiting the USA.

New York City : No visit to the USA is complete without visiting New York City. Considered to be amongst the centres of modern civilisation and innovation, the big apple is home to some of the most iconic landmarks in the world, including the Statue of Liberty, the Empire State Building, Broadway, the Rockefeller Plaza, and the world-renowned Times Square. The city also houses Wall Street and 5th avenue, thereby simultaneously being the financial and fashion capital of the world.

Washington D.C .: The national capital of the United States of America is a cultural and financial epicentre and home to the U.S. Capitol, the Lincoln Memorial, the White House, and the Smithsonian. Adorned with museums and historic universities alike, the city has roots in history, branches in the present workings of the international power structure, and forces that play a significant part in shaping the future of the world.

The Grand Canyon : The Grand Canyon is one of the most spectacular natural wonders of the world and a tourist hotspot. Averaging ten miles across and a mile in-depth, the canyon has vast and seemingly endless expanses that unequivocally capture nature’s might and engender awe and reverence amongst visitors. The Grand Canyon is a day’s trip away from Las Vegas and Phoenix.

Los Angeles : Home to Beverly Hills and Hollywood, the city of angels is a cultural and cinematic force to be reckoned with. Los Angeles is regarded as the heart of California and the US movie industry. The city is adorned with picturesque beaches and incredible vistas. While in LA, you must also visit La Brea Tar Pits which contains fossils of prehistoric animals.

Las Vegas : Las Vegas is widely considered more of an experience than a tangible point on the global map. With its world-famous casinos, sound and light shows, musical theatre performances, and diverse entertainment options, Vegas has been a tourist favourite for decades. And, as popularly quoted, “What happens in Vegas, stays in Vegas!”

And, to enjoy all these places completely and explore the US with peace of mind, it is crucial to get a travel insurance USA plan from Tata AIG. To know more, check our guide on the places to visit in USA

Best Time to Visit the USA

The best time to visit the United States of America is either March to May (spring) or late September to late October (autumn). During spring, most parts of the country have mild and pleasant temperatures, thereby making it the ideal time to visit the nation. Since the summer months of May to September usually witness the highest footfalls from international tourists to the USA, it is advisable to plan your trip to this diverse country during spring or fall.

Visit the USA today and safeguard your international journey with online travel insurance for the USA from TATA AIG Insurance. With our wide range of travel insurance plans, you can select the best travel insurance for the USA for yourself. We also offer insurance for parents visiting the USA. Visit our website to know more about USA travel insurance costs and benefits.

Information last updated June 20. While this information is sourced reliably, visa requirements can change. For the most current visa details, visit the official Consulate/Embassy website.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can i get a travel insurance usa plan.

To buy travel insurance for the USA, you must visit our website and select international travel insurance. On the aforementioned page, you must enter the required personal information and choose the extent of the coverage, including the following factors.

• Medical coverage
• Baggage coverage

After customising your travel insurance for the USA plan, you need to proceed with the payment to complete the purchase. Your travel insurance USA policy will be issued immediately and available in your email inbox.

How much should I pay for a travel insurance USA plan?

The cost of your travel insurance USA plan is contingent upon the duration of your stay and several other important factors. Therefore, it is critical to have an adequate sum assured in your travel insurance for the USA plan to ensure that you have sufficient protection during the course of the trip. If you are travelling with your family, you must opt for a higher sum assured to provide them adequate coverage.

Is it mandatory to buy a medical travel insurance USA plan?

Yes, it is mandatory to have a valid travel medical insurance USA plan. Buying the aforementioned policy can help you financially safeguard your trip.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

Best International Travel Insurance for April 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance Companies

Best overall: Allianz Travel Insurance

Best for exotic travel: World Nomads Travel Insurance

Best for trip interruption coverage: C&F Travel Insured

Best for families: Travelex Travel Insurance

Best for long-term travel: Seven Corners Travel Insurance

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Which company has the best international travel insurance?

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

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• Best for Senior Pets
• Best for Customization
• Best for Bundling
• Best for Preexisting Conditions
• Best for Alternative Therapy
• Best for Exotic Pets
• Best for Unlimited Coverage

How We Rate Pet Insurance

Best cheap pet insurance companies of april 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Many pet owners may be reluctant add the cost of pet insurance to their monthly budget. However, most pet owners will experience at least one pet emergency and spend between $2,000 to $4,000, according to the North American Pet Health Insurance Association (NAPHIA). While the most comprehensive pet insurance may be out of your budget, there are cheap pet insurance options available that will give you peace of mind without breaking the bank.

Best Cheap Pet Insurance Companies of 2024

Best price: pets best pet insurance, best for senior pets: figo pet insurance, best for customization: spot pet insurance.

Best for Bundling: Best for Bundling: Lemonade Pet Insurance

Best for Preexisting Conditions: ASPCA Pet Insurance

Best for alternative therapy: healthy paws pet insurance, best for exotic pets: nationwide pet insurance, best for unlimited coverage: trupanion pet insurance.

If you're looking for pet insurance at a cheap rate, Pets Best Pet Insurance has some of the lowest prices in the industry. You can go to any licensed veterinarian. However, it should be noted that in Insider's staff experiences with Pets Best policies, the reimbursement rate is also applied to your deductible.

So if you had a $500 deductible with 90% reimbursement, a $500 claim would leave you with another $50 left on your deductible, with charges applied based on the 90% reimbursement rate. This is not unusual, but it should factor into your budget and policy choices.

Pets Best offers three types of plans: accident-only, accident and illness, and a wellness plan. With highly customizable options, you can further lower your rate. Plus, the insurer doesn't have an age gap on pet insurance.

Unfortunately, if you're looking for alternative treatments like herbal and holistic treatments, consider searching elsewhere.

• Annual coverage options: $5,000, unlimited
• Reimbursement options: 70%, 80%, 90%
• Deductible options: $50, $100, $200, $250, $500, $1,000
• Average monthly cost: Dogs - $20; Cats - $12

Read our Pets Best Pet Insurance review here.

Many pet insurance providers will only insure pets younger than 14. Insurers may put an age cap on eligibility because pets, like humans, tend to develop health conditions as they age. However, Figo Pet Insurance will insure your furry friend, regardless of age. Whatever plan you consider, understand pet insurance companies will not cover preexisting conditions . For dogs or cats with a history of allergies, cancer, diabetes, or other conditions, this would still leave pet parents on the hook for related bills if diagnosed before buying your plan.

Figo offers three plans: the Essential plan, the Preferred plan, and the Unlimited plan. This insurer provides ample coverage choices to customize your policy based on your pet's needs and your budget.

Unfortunately, Figo doesn't sell a basic, accident-only plan, which is generally cheaper than an accident-illness or wellness program. Additionally, while it reimburses you, you must pay your vet bills upfront. Many pet parents resolve this issue using services like CareCredit, which can be paid off after completing the claim. If you're interested in Figo, we recommend Costco members go through the retail giant's partnership with Figo as you get 15% off standard premiums.

• Annual coverage options: $5,000, $10,000, unlimited
• Reimbursement options: 70%, 80%, 90%, 100%
• Deductible options: $100, $250, $500, $750
• Average monthly cost: Dogs - $26; Cats - $14

Read our Figo Pet Insurance review here.

With Spot Pet Insurance , you have nine annual coverage limits, three reimbursement, and five deductible options. This insurer offers an excellent range of policy coverages to mix and match as you choose. Of course, your monthly premiums will vary accordingly.

Spot pet insurance also offers an accident-only and accident-illness plan. The company as a wider range of pet coverage that many competitors lack, like prescription food and behavioral modification. Based on our research at the time of this guide, Spot doesn't sell wellness plans. However, you can add the gold and platinum preventative care plan to supplement your policy.

• Annual coverage options: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, unlimited
• Deductible options: $100, $250, $500, $750, $1,000
• Average monthly cost: Dogs - $28; Cats - $14

Read our Spot Pet Insurance review here.

Best for Bundling: Lemonade Pet Insurance

Lemonade Pet Insurance is a relatively new pet insurance company. Aside from pet insurance, it also offers home, car, and renters insurance (which received high marks for customer satisfaction). So you can bundle your pet insurance with other products for 10% additional savings.

If you're a tech-savvy shopper, you may appreciate Lemonade's highly-rated mobile app and user-friendly digital platform. You could purchase a policy, manage your claims, and access your insurance ID at the touch of your fingertip. Unfortunately, Lemonade is not available in all states yet. So be sure to check and see if Lemonade is available to you. But with up to $100,000 in annual coverage, Lemonade covers most significant health events for pets.

• Annual coverage options: $5,000, $10,000, $20,000, $50,000, $100,000
• Deductible options: $100, $250, $500
• Average monthly cost: Dogs - $28; Cats- $14

Read our Lemonade Pet Insurance review here.

Unfortunately, all pet insurance providers exclude preexisting conditions from coverage. This is because pet insurance companies have to mediate risk to keep premiums low for everyone. However, several companies will cover preexisting conditions if your pet has been symptom- and treatment-free for some time. ASPCA Pet Insurance is one of those providers.

ASPCA pet insurance will cover curable preexisting conditions if your cat, dog, and even horses if your pet has been symptom-free for over 180 days (excluding ligament and knee conditions).

With ASPCA pet insurance, you choose an accident-only, accident and illness, and preventative care plan. ASPCA pet insurance's comprehensive programs cover alternative therapies, behavioral issues, and congenital and hereditary conditions. The provider even covers pet microchipping. When going through the quoting process online, we were told we must speak to a live representative to obtain a quote for unlimited annual coverage.

• Annual coverage options: $3,000, $4,000, $5,000, $7,000, $10,000
• Average monthly cost: Dogs - $33; Cats - $17

Read our ASPCA Pet Insurance review here.

Only a few providers offer alternative medicine if you prefer to take the holistic and herbal route when seeking treatment for your pet. Healthy Paws Pet Insurance offers a comprehensive list of non-invasive forms of therapy, including acupuncture, hydrotherapy, physical therapy, laser therapy, and massage care, as long as a licensed veterinarian provides the treatment.

The trade-off, however, is Healthy Paws won't cover preventative and wellness care. Its site specifies Healthy Paws believes wellness costs can be planned for. For example, you expect to do a yearly exam and get updated vaccines, and even if you save a little bit each month, you can plan accordingly. However, accidents and severe chronic illnesses are difficult to plan for, and costs are frequently unreasonable. So Healthy Paws focuses on the most significant area of need it sees.

• Annual coverage options: Unlimited
• Reimbursement options: 50%, 60%, 70%, 80%, 90%
• Deductible options: $50, $100, $250, $500, $750, $1,000
• Average monthly cost: Dogs - $37; Cats - $18

Read our Healthy Paws Pet Insurance review here.

Finding cheap pet insurance may be challenging if you have an exotic pet like a bird, rabbit, or reptile. Nationwide Pet Insurance is currently the only pet insurance company to offer wide-reaching coverage for many exotic pets. Other companies offer "discount plans," much like human prescription discount plans. However, you'd have to work with specific vets, and coverage would be specific to the treatment provided.

Nationwide pet insurance offers three pet insurance plans:

• Major Medical (accident and illness plan)
• Whole Pet (more comprehensive accident and illness plan)
• A wellness plan

Nationwide offers various conditions in its plans. However, the coverage is set. Nationwide's sample accident and illness policy broke down many potential diagnoses with primary and secondary diagnoses allowances. Ultimately, each buyer will receive a policy breakdown. However, Nationwide is a more expensive pet insurance provider with limited flexibility.

• Annual coverage options: Per condition
• Reimbursement options: 50%, 70%, 90%
• Deductible options: $250
• Average monthly cost: Dogs - $35; Cats - $14

Read our Nationwide Pet Insurance review here.

Trupanion Pet Insurance is one of the pricier insurers on this list. Also, it offers a limited selection of policy options. However, if you're looking for a plan with unlimited coverage, Trupanion may be your winner. Unfortunately, we've all heard of the unexpected accident or illness in an otherwise healthy pet calling for emergency care.

Some emergency surgeries can easily surpass $20,000, and you might be on the hook for follow-up care, rehab, and even further surgeries. These are the times when unlimited care could be the saving grace to save your furry friend.

Trupanion offers deductibles ranging from $0 to $1,000. What's unique about this insurer is you'll only have to pay the deductible once per condition. For example, say your pet develops an illness requiring ongoing treatment. While most insurers will need you to pay a deductible yearly, you'll only have to pay your deductible once when the condition appears, potentially saving you money. This is handy for chronic conditions like allergies, diabetes, and cancer.

• Reimbursement options: 90%
• Deductible options: $0 to $1000
• Average monthly cost: Dogs - $50; Cats - $22

Read our Trupanion Pet Insurance review here.

We review a company based on several benchmarks and compare it against the industry standard.

• Affordability: We consider an insurer cheap if it meets or is below the industry average premiums. We also compare the prices against its competitors.
• Policy customization: We look at the breadth of an insurer's policy options. Policy options include the number of annual coverages, deductibles, and reimbursement options. The price is not the only determining factor if you compare a $50 for unlimited coverage with 80% reimbursement with a $10 policy with a $5,000 annual cap.
• Waiting period: A waiting period is the time between purchasing a policy and when coverage kicks in. The average waiting period for accident coverage is three days, and fourteen days for illness coverage. However, waiting periods for genetic conditions and serious illnesses could last a year.
• Types of policies available: The best pet insurance companies typically offer three types of plans: accident-only, accident-illness, and wellness plans. We look through an insurer's website to determine if it sells some variation of those three plans.
• Exclusions: Pets come in all shapes and sizes. Unfortunately, insurance companies will exclude some pets from coverage, like older pets or even those with curable preexisting conditions.
• Company offerings: We look at the extensiveness of a company's policies. Some insurers offer coverage for microchipping, alternative medicine, and other unique conditions.

We go into further detail in our insurance rating methodology .

Which dog breed qualifies for the cheapest pet insurance?

Small, spayed, female mixed-breed dogs are the cheapest to insure, according to North American Pet Health Insurance Association (NAPHIA).

How much is a reasonable deductible for pet insurance?

Consider your needs before choosing a deductible. Choosing a high deductible may lower your monthly premiums. However, to start your coverage as soon as possible, consider choosing a low deductible, like $100 to $500.

When should you use pet insurance?

You'll decide what coverage you're willing to pay for upfront. However, whenever you have a qualifying claim, you should file a claim with your pet insurance provider. Insurance providers may have a time limit on claims, and you have to fulfill your annual deductible before full coverage will kick in.

What is the cheapest pet insurance?

Pets Best pet insurance costs an average of $20 for dogs and $12 for cats, the lowest prices among its competitors. Prices will vary based on your pet's age and breed. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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