tourist visa usa health insurance

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U.S. Tourist Visa and Travel Insurance Requirements

1. what types of u.s. visas are available for international tourists, 2. how do i apply for a u.s. tourist visa, 3. what documents are required to apply for a u.s. tourist visa, 4. how long does it take to obtain a u.s. tourist visa, 5. what is the cost of a u.s. tourist visa, 6. what is the maximum period of stay allowed on a u.s. tourist visa, 7. what are the restrictions related to a u.s. tourist visa, 8. is travel insurance required for visiting the united states, 9. does travel insurance cover medical expenses while visiting the united states, 10. what type of travel insurance is accepted by the united states, 11. how much does travel insurance cost for a trip to the united states, 12. how do i purchase travel insurance for a trip to the united states, 13. what are the benefits of purchasing travel insurance for a trip to the united states, 14. what type of coverage should i look for when purchasing travel insurance for a trip to the united states, 15. what are the cancellation and/or refund policies associated with travel insurance for trips to the united states, 16. does travel insurance provide coverage for lost or stolen items while visiting the united states, 17. are there any exclusions related to travel insurance purchased for visits to the united states, 18. are there age restrictions associated with purchasing travel insurance for visits to the united states, 19. are there any requirements related to pre-existing medical conditions when purchasing travel insurance for visits to the united states, 20 are there any special considerations related to covid-19 when purchasing travel insurance for visits to the united states.

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

• Customer Stories
• Resume Quote / Application

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
• Flights / Airfare
• Cruises / Excursions

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
• Insurance Companies
• Educational Institutions
• 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.

Visitor Insurance Plans

Visitor & immigrant health insurance options.

V isitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren’t covered outside of their home country.

Specifically, in the United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars. IMG’s visitor insurance plans provide coverage for new medical expenses, multilingual customer service experts, hands-on healthcare coordinators available 24/7 and online resources to make traveling internationally less stressful.

Visitor Insurance plans are excellent for visiting family members or friends, vacationing, taking a short business trip, or any reason that you may find yourself in the U.S. To compare IMG's visitor insurance plans, check out our article, How to Choose the Best Visitor Insurance Plan for You .

Popular Plans For Visitors & Immigrants

Patriot America Plus

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

• COVID-19 coverage for travelers to the U.S.
• Coverage for inside the U.S.
• Short-term travel medical coverage
• Made for individuals, groups, and their dependents
• Coverage for Acute Onset of Pre-Existing Conditions*
• Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

Visitors Protect Insurance

Temporary health insurance for individuals, families

• Coverage for Pre-Existing Conditions
• Coverages for inside the U.S., Canada and Mexico
• Coverage for individuals, and their dependents
• Subject to deductible and coinsurance
• Limit: $300 (Unexpected pain or treatment due to an accident)
• Treatment at a hospital due to an
• Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Patriot Platinum Travel Medical Insurance

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

• Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
• Coverage for individuals, groups, and their dependents
• Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus

Additional Plans For Visitors & Immigrants

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.

Global Medical Insurance

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Patriot Multi-Trip Travel Medical Insurance

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

UnitedHealthcare Dental Plans

Dental insurance options with coverage for routine preventive dental care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.

UnitedHealthcare Vision Plans

Vision insurance with coverage for routine preventive vision care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.

Give us a call

Have any questions we’re here to help you, 866-263-0669, is visitor insurance required in the u.s..

V isitor insurance is not required to travel to the U.S. on a B-2 visa. However, healthcare costs in the U.S. are often higher than those in other countries, so not having the proper coverage could leave you to pay thousands of dollars for any necessary medical care.

Purchasing visitor insurance is also a very simple process as no medical exam or medical history review is necessary to get coverage. These plans are designed to protect you from unexpected illnesses or injuries that occur while you are traveling, thus your past health history is not needed.

For answers to any other visitor insurance questions, check out our Visitor Insurance FAQs .

How Much Does Visitors Insurance Cost? Coverage starts at a few dollars per day and increases depending on age and coverage options

IMG’s most popular visitor insurance plan, Patriot America Plus , offers excellent coverage at a competitive price. There are also other product tiers that vary in price depending on your budget and level of benefits. Patriot Platinum Insurance provides the highest level of coverage, while Visitors Care provides a lower priced option with limited benefits. Or you can choose your own visitor insurance plan.

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

Age of traveler.

Old and young visitors alike can find a visitor insurance plan that fits their needs. While premiums become more expensive for older travelers due to increasing risks of health problems, there are still many varying price levels available to fit in your budget.

Area of Coverage

Visiting the United States will result in a higher premium than if traveling to another part of the world due to the high costs of medical care in the country.

View the breakdown of daily and monthly rates in the Patriot America Plus brochure  to get a better idea of how much you can expect to spend for coverage during your trip. For any trip longer than a year, you may also want to explore our international health insurance options .

Coverage Level

Higher maximum limits and lower deductibles will increase your plan costs. Consider how much you could afford in addition to your deductible if something unexpected were to happen while you’re away when choosing the right options for you.

What Does Visitor Health Insurance Cover? Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Emergency evacuation.

In the event of an emergency medical evacuation, coverage provides evacuation to the nearest qualified medical facility and expenses for reasonable transportation resulting from the evacuation.  

Medical Expenses

Coverage for medically necessary expenses resulting from new or unexpected injuries or illnesses including local ambulance, intensive care, emergency room, and more, if needed.

Return of Mortal Remains

Should a covered illness or injury unfortunately result in death, this benefit provides coverage for repatriation of bodily remains or ashes to your home country; or for the preparation, local burial or cremation of your mortal remains, at the place of death.

Pre-Existing Condition Coverage (Varies by Plan)

Visitors Protect provides pre-existing condition coverage for gradually developing conditions or those becoming worse over time. Patriot America Plus and Patriot America Platinum provide coverage for acute onset of pre-existing conditions in the event of a sudden and unexpected outbreak or recurrence of a pre-existing condition.

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Frequently Asked Questions

Our Visitors Protect plan offers coverage for pre-existing conditions that gradually develop or worsen over time (such as diabetes or high blood pressure). This plan is designed specifically for individuals and families traveling from their home country to the United States, Canada, and Mexico. For more information, view the full Visitors Protect benefits table .

Other IMG international travel medical plans may cover “Acute Onset of Pre-Existing Conditions.” This is different than a more traditional definition of “Pre-Existing Conditions.” Patriot America Plus, Patriot America Platinum, Patriot International, and Visitors Care plans cover acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan. Here is our definition of what would be considered an acute onset of a pre-existing condition (according to a sample insurance plan from October 2022):

A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew or reasonably foresaw he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

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.

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

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:

• 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

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.  

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. 

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.

Need extra protection and coverage? Explore our travel insurance options.

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• Immigration

Health Insurance Requirements for U.S. Visitors: What You Need to Know

When visiting the u.s., it is not mandatory to have health insurance, but it is highly recommended. without insurance, visitors are responsible for covering their medical expenses, which can be very expensive. it is recommended to have travel medical insurance to ensure financial protection and access to quality healthcare during your visit..

Quick Glance:

• Health insurance is highly recommended for visitors to the United States due to high healthcare costs and lack of universal coverage.
• Visitors’ health insurance provides coverage for medical services, hospitalization, prescriptions, and doctor’s visits, offering peace of mind.
• When selecting a visitors’ health insurance plan, consider the duration of stay, coverage needed, and the deductible amount. Comparison shopping is essential. If you’re planning to visit the United States, whether for tourism, business, or to see family, it’s essential to understand the healthcare system and the importance of health insurance. The U.S. is known for having some of the highest healthcare costs in the world, and unlike many other countries, it does not offer universal health coverage to visitors or residents. Therefore, ensuring that you are adequately insured against any unexpected medical expenses during your stay is crucial.

Navigating the U.S. healthcare system can feel daunting, especially for visitors who are unfamiliar with how health insurance works in the U.S. Let’s simplify this and look at what you need to know about health insurance requirements for U.S. visitors.

Is Health Insurance Mandatory for U.S. Visitors?

While the U.S. does not legally mandate health insurance for visitors, it is highly recommended. Without insurance, a simple doctor’s visit can cost hundreds of dollars, while more serious interventions and hospital stays can reach into the tens or even hundreds of thousands of dollars.

The Benefits of Having Health Insurance as a Visitor

With the right health insurance, you can enjoy peace of mind knowing that you’re covered for:

Also of Interest:

Top 10 visitor visa interview questions for parents visiting usa, h-1b amended petitions: top 20 faqs.

• Emergency medical services
• Hospitalization
• Prescriptions
• Doctor’s visits

In some cases, your insurance may also cover you for evacuation back to your home country if medically necessary.

Choosing the Right Visitors’ Health Insurance Plan

There are various plans tailored to the needs of international tourists, students, and temporary workers. When choosing a plan, consider:

• The duration of your stay
• The level of coverage you need
• Whether pre-existing conditions are covered
• The deductible amount and copays

It’s worth noting that most U.S. health insurance plans for visitors typically do not cover pre-existing conditions, so if this is a concern for you, you’ll need to look for a specialized plan that provides this coverage.

Where to Purchase Visitors’ Health Insurance

Health insurance for visitors can be purchased from your home country before you travel or through U.S.-based insurance providers. It’s important to compare different plans to find one that best fits your budget and coverage needs.

Understanding Insurance Terms

When evaluating insurance options, you might come across terms like ‘PPO’ or ‘HMO’. These refer to different types of networks of medical providers with whom the insurance company has negotiated rates. A Preferred Provider Organization (PPO) typically offers more flexibility in choosing doctors and hospitals. In contrast, a Health Maintenance Organization (HMO) usually requires you to select from a specific network of healthcare providers.

Important Considerations

Before purchasing any insurance plan, it’s important to:

• Read the fine print carefully
• Understand the claims process
• Know what is required of you in the event you need to seek medical care

Seeking Assistance

If the task seems overwhelming, don’t hesitate to consult with an insurance broker or a travel agent who specializes in health insurance for international visitors. They can help steer you in the right direction and make recommendations based on your specific situation.

In conclusion, while the U.S. may not require visitors to have health insurance, it’s a protective measure that’s too important to overlook. The last thing you want is to face a health emergency that could lead to financial hardship due to exorbitant medical bills. Investing in a good visitors’ health insurance plan is investing in your safety and well-being while in the United States. For more information, you can visit the U.S. Department of State’s website or look at resources like the Centers for Disease Control and Prevention’s Travelers’ Health page which can provide valuable guidance on staying healthy during your travels. Safe travels and stay insured!

Well, that’s the lowdown on health insurance for visitors in the United States! Remember, it’s not mandatory, but it’s definitely a smart move to stay protected from those hefty medical bills. So, be a savvy traveler and explore your options. You can find more helpful info on visaverge.com. Stay healthy, stay insured, and have a fantastic time in the U.S.!

FAQ’s to know:

FAQ 1: Is health insurance mandatory for visitors to the United States?

Answer: No, health insurance is not legally mandatory for visitors to the United States. However, it is highly recommended to have health insurance as the U.S. does not offer universal health coverage to visitors or residents. Without insurance, medical expenses can be exorbitant, ranging from hundreds to thousands of dollars for simple doctor’s visits or more serious interventions.

FAQ 2: What are the benefits of having health insurance as a visitor to the U.S.?

Answer: Having health insurance as a visitor to the U.S. provides several benefits, including coverage for emergency medical services, hospitalization, prescriptions, and doctor’s visits. Additionally, some insurance plans may cover evacuation back to your home country if medically necessary, giving you peace of mind and protection against unexpected medical expenses.

FAQ 3: How do I choose the right health insurance plan as a visitor to the U.S.?

Answer: When choosing a health insurance plan as a visitor to the U.S., consider factors such as the duration of your stay, the level of coverage you need, whether pre-existing conditions are covered, and the deductible amount and copays. It’s important to note that most U.S. health insurance plans for visitors typically do not cover pre-existing conditions, so if this is a concern, look for a specialized plan that provides this coverage. You can purchase health insurance from your home country before you travel or through U.S.-based insurance providers, comparing different plans to find one that fits your budget and coverage needs.

What did you learn? Answer below to know:

• True or False: Health insurance is mandatory for visitors traveling to the United States.
• What are some common benefits covered by visitors’ health insurance in the U.S.?
• What are some important factors to consider when choosing a visitors’ health insurance plan in the U.S.?

Did you Know?

Did You Know?

While health insurance is not legally mandatory for visitors to the United States, it is highly recommended. Without insurance, medical expenses can be exorbitant, ranging from hundreds to thousands of dollars for simple doctor’s visits or more serious interventions.

Having health insurance as a visitor to the U.S. provides several benefits, including coverage for emergency medical services, hospitalization, prescriptions, and doctor’s visits. Additionally, some insurance plans may cover evacuation back to your home country if medically necessary, giving you peace of mind and protection against unexpected medical expenses.

When choosing a health insurance plan as a visitor to the U.S., consider factors such as the duration of your stay, the level of coverage you need, whether pre-existing conditions are covered, and the deductible amount and copays. It’s important to note that most U.S. health insurance plans for visitors typically do not cover pre-existing conditions, so if this is a concern, look for a specialized plan that provides this coverage. You can purchase health insurance from your home country before you travel or through U.S.-based insurance providers, comparing different plans to find one that fits your budget and coverage needs.

• Did you know that the United States is home to a large number of immigrant communities?

With its history of welcoming immigrants from all over the world, the United States is home to a diverse range of immigrant communities. From Chinatowns to Little Italy neighborhoods, these communities bring their unique cultures, traditions, and cuisines to the country, enriching the overall cultural landscape.

• Did you know that immigration has played a significant role in shaping American history?

Throughout history, immigration has played a crucial role in shaping the United States. From the arrival of European settlers in the 17th and 18th centuries to the waves of immigration in the late 19th and early 20th centuries from countries like Ireland and Italy, immigrants have contributed to the country’s development and cultural diversity. They have also played a vital role in building the nation’s infrastructure, working in industries such as railroads and mines.

• Did you know that immigration has a positive impact on the economy?

Contrary to common misconceptions, immigration brings economic benefits to the receiving country. Immigrants often fill labor gaps, bringing valuable skills and contributing to innovation and entrepreneurship. They also pay taxes, which helps fund public services and benefits for all residents. Furthermore, immigrant-owned businesses create jobs and stimulate economic growth in local communities.

• Did you know that immigration laws and policies have changed significantly over time?

Immigration laws and policies in the United States have undergone significant changes throughout history. From the Chinese Exclusion Act of 1882 to the Immigration and Nationality Act of 1965, these laws reflect evolving priorities and attitudes towards immigration. Understanding the historical context of immigration policies can provide valuable insights into the complex and often controversial issue of immigration.

Learn Today: Key Terms Explained

Glossary or Definitions:

• Health insurance: A type of insurance that provides coverage for medical expenses, including hospitalization, doctor visits, prescriptions, and emergency medical services. It is highly recommended for visitors to the United States due to the high healthcare costs and lack of universal coverage.

Visitors’ health insurance: An insurance plan specifically designed for international visitors to the United States. It provides coverage for medical services, hospitalization, prescriptions, and doctor visits, offering peace of mind and protection against unexpected medical expenses.

Universal health coverage: A healthcare system in which all residents of a country have access to necessary healthcare services, regardless of their income or immigration status . Unlike many other countries, the United States does not offer universal health coverage to visitors or residents.

Duration of stay: The length of time a visitor plans to stay in the United States. It is an important factor to consider when choosing a visitors’ health insurance plan, as different plans may have varying coverage periods.

Coverage needed: The specific types of medical services and expenses that a visitor wants to be covered by their health insurance plan. It may include emergency medical services, hospitalization, prescriptions, and doctor visits.

Deductible: The amount of money that a visitor needs to pay out of pocket before their health insurance plan starts covering their medical expenses. It is an important factor to consider when choosing a visitors’ health insurance plan, as different plans may have different deductible amounts.

Comparison shopping: The process of comparing different visitors’ health insurance plans from different providers to find the most suitable one in terms of coverage, cost, and other factors. It is essential to ensure that the chosen plan meets the visitor’s specific needs and budget.

Pre-existing conditions: Any medical condition that a visitor has before purchasing a health insurance plan. Most U.S. health insurance plans for visitors typically do not cover pre-existing conditions. Visitors with pre-existing conditions may need to look for specialized plans that provide coverage for their specific condition.

Insurance network: A group of medical providers, including doctors, hospitals, and other healthcare facilities, that have agreements with an insurance company to provide discounted rates for covered services. There are different types of insurance networks, such as Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs).

PPO (Preferred Provider Organization): A type of insurance network that offers more flexibility in choosing doctors and hospitals. PPO plans usually allow visitors to see providers both inside and outside the network, although out-of-network care may be more expensive.

HMO (Health Maintenance Organization): A type of insurance network that usually requires visitors to select healthcare providers from a specific network. HMO plans typically require referrals from primary care physicians to see specialists and may have stricter restrictions on out-of-network care.

Claims process: The procedure for submitting and processing claims for reimbursement of medical expenses covered by the health insurance plan. Visitors need to understand the claims process to ensure they follow the necessary steps to receive coverage.

Insurance broker: A professional who specializes in insurance and can help visitors navigate the process of selecting the right health insurance plan. Insurance brokers have knowledge of different plans and can make recommendations based on visitors’ specific needs and priorities.

Travel agent: A professional who assists travelers in planning and booking trips. Some travel agents specialize in health insurance for international visitors and can provide guidance and recommendations on purchasing visitors’ health insurance.

U.S. Department of State: A federal government agency responsible for the country’s foreign policy and diplomacy. It provides information and resources for visitors to the United States, including information about health insurance requirements and recommendations.

Centers for Disease Control and Prevention (CDC): A national public health agency in the United States that works to protect the nation from health threats. The CDC maintains a Travelers’ Health page that provides valuable guidance on staying healthy during travel and may include information about health insurance for international visitors.

Fine print: The details and terms and conditions of an insurance policy that are often written in small print. It is important for visitors to read the fine print carefully to understand the coverage and any limitations or exclusions.

These definitions and explanations will help readers understand the specialized terminology related to health insurance for visitors to the United States.

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Best Travel Insurance for Parents Visiting USA

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Visitors to the United States can and should buy travel medical insurance.

U.S. health care costs are the highest in the world, therefore it’s imperative you invest in a travel medical insurance policy to protect you from financial ruin should a medical emergency occur while your parents are traveling to the United States.

Best visitor insurance for parents visiting USA

If your parents are visiting you in the United States, we recommend you get visitor insurance for parents.

You never know when you might need it. A parent could fall and break her hand or maybe experience an acute onset of a pre-existing condition. In that case, you’ll want to be prepared.

Consider the following providers for the best travel insurance for parents visiting the USA.

» Learn more: What to know before buying travel insurance

Atlas America

Atlas America provides comprehensive insurance for non-U.S. citizens traveling outside their country, and it’s a good option to consider when searching for visitor insurance for parents visiting the USA. Trips between five and 364 days long are covered.

When shopping for coverage, you must select a policy maximum (the amount of money an insurance provider will pay for covered medical expenses) ranging from $50,000 to $2 million.

Depending on the age of your parents, the maximum gets capped. For example, if your parents are in their 70s, the maximum amount available for policy maximum is $100,000. For parents older than 80, it’s reduced to $10,000.

You also have to choose a deductible, which ranges from $0 to $5,000 and affects the total cost of a policy. After you deplete your deductible, the plan covers 100% of the bill up to the policy maximum (as long as you visit in-network providers).

An Atlas America policy includes the following medical expenses:

Physician visits.

Virtual visit/telemedicine.

Diagnostic X-rays and lab services.

Outpatient and inpatient surgery.

Anesthesia.

Hospital room and board.

Intensive care unit.

Acute onset for pre-existing conditions (for visitors younger than 80 years old).

Prescription drugs.

Emergency dental treatment.

Urgent care or walk-in clinics incur a $15 copay (not subject to deductible, unless you select $0 deductible).

Emergency room visits that don’t result in hospitalization are subject to a $200 penalty.

Optional coverages include (for an upcharge):

Accidental death and dismemberment.

Crisis response with natural disaster evacuation.

Personal liability.

So, let’s consider a sample 30-day trip for a 60-year-old parent visiting you in the United States. The plan includes a $100,000 lifetime maximum and a $500 deductible.

This Atlas America plan prices out at $195.30. The quote doesn’t include any optional coverages.

Atlas America participates in the UnitedHealthcare PPO network, meaning you'll be covered if you find a health provider on the UnitedHealthcare network search.

If you search for coverage through WorldTrips, you’ll find the same Atlas travel medical insurance plan.

» Learn more: The best travel insurance companies

Beacon America

Beacon America provides another option for travel insurance for parents visiting the USA. It covers trips between five and 364 days in length.

Similar to the Atlas America plan, you must select a policy maximum when shopping for coverage, but the range is lower — from $25,000 to $1,100,000. The maximum policy amount is capped at $50,000 for those older than 70 and at $12,000 for those who are older than 80.

Beacon America deductibles range from $0 to $2,500. The plan covers 100% up to the policy maximum after you use up the deductible (for in-network providers). Beacon America also participates in the UnitedHealthcare PPO network.

A Beacon America policy includes the following medical expenses:

Acute onset for pre-existing conditions (for visitors younger than 70 years old).

Urgent care or walk-in clinics incur a $35 copay (not subject to deductible).

Emergency room visits that don’t result in hospitalization are subject to a $350 penalty.

You can add an optional sports rider that will provide up to $50,000 maximum coverage for extreme sports, such as mountain biking, horseback riding, white water rafting, snowmobiling or zip-lining.

So, let’s search for a plan with the same parameters for visitors insurance for parents as before: a 30-day trip for a 60-year-old parent traveling to the United States. The plan includes a $110,000 lifetime maximum and a $500 deductible.

This Beacon America plan comes out to $164.16, $31 cheaper than the plan offered by Atlas America.

» Learn more: Best travel insurance for seniors

Patriot America Plus

Patriot America Plus from IMG is another option for health insurance for parents visiting the USA. It’s available for trips up to 12 months in length (with an option to extend to 36 months, depending on the plan). Three plans are available under the Patriot America Travel Series: Patriot Lite, Patriot Plus and Patriot Platinum.

You can expect the following coverage with each plan type.

The Patriot plans include the following:

Chemotherapy or radiation therapy.

Chiropractic care.

Physical therapy.

Urgent care clinics incur a $25 copay (not subject to deductible, unless you select $0 deductible).

Walk-in clinics incur a $15 copay (not subject to deductible, unless you select $0 deductible).

Emergency room visits that don’t result in hospitalization are subject to a $250 penalty.

Once again, Patriot plans from IMG provide U.S. travelers with access to the UnitedHealthcare network.

Patriot plans provide some travel protections, such as lost luggage and terrorism, as well. With a Patriot America Plus plan, you can also add an optional device protection rider to cover your cell phone and a supplemental adventure sports rider.

A 30-day Patriot Plus plan with a $100,000 policy maximum and a $500 deductible comes out to $165.78 for a 60-year-old female resident of Mexico traveling to the United States.

» Learn more: Best long-term travel insurance

Safe Travels USA

Safe Travels USA from Trawick International covers non-U.S. citizens traveling to other countries, including the United States. In fact, this plan isn’t available to U.S. residents and Green Card holders. The coverage duration is between five days and 364 days.

Policy maximum amounts range from $50,000 to $1 million, and deductibles vary between $0 and $5,000. Safe Travels USA plans are in the First Health network.

A Safe Travels USA plan includes the following medical expenses:

COVID-19 expenses.

Diagnostic X-rays.

Outpatient medical and ambulance.

Chiropractic care, physical medicine and physical therapy ($50 per visit per day).

Acute onset for pre-existing conditions (up to $1,000).

Dental treatment (up to $250 for injury or pain).

Urgent care clinics incur a $30 copay (not subject to deductible, unless you select $0 deductible).

Safe Travels USA considers COVID-19 to be any other illness, meaning the medical coverage includes sicknesses related to the virus. Also, trip protection benefits, such as trip interruption, lost baggage, and accidental death and dismemberment, are included.

You can add a supplementary sports activity coverage for injuries sustained during archery, tennis, swimming, golf, basketball and other sports listed in the policy. Return to home country coverage is also optional (if your trip is longer than 30 days).

The Safe Travels USA plan with a maximum limit of $100,000 and a $500 deductible will cost $143.10 for a 60-year-old parent from Mexico.

CoverAmerica-Gold

CoverAmerica-Gold is a comprehensive travel medical insurance plan from Sirius Specialty Insurance Corporation for non-U.S. residents visiting the United States. Like other insurance providers, you can purchase coverage for at least five days and, at most, 365 days (with an option to extend by another 365 days). The CoverAmerica-Gold plan is available to parents up to 79 years old.

Maximum policy coverage ranges from $50,000 to $250,000, and the deductible ranges from $100 to $5,000, so there’s no option to pick a $0 deductible like with other plans mentioned above. CoverAmerica-Gold participates in the UnitedHealthcare PPO network.

A CoverAmerica-Gold policy includes the following medical expenses:

Inpatient surgical treatment.

Acute onset for pre-existing conditions (for visitors younger than 70 years old, coverage up to $3,000 for ages 70 to 79).

Emergency dental treatment (up to $250).

Urgent care consultations incur a $15 copay.

The CoverAmerica-Gold insurance plan also offers travel benefits, such as trip interruption, emergency medical evacuation and return of mortal remains. An adventure sports rider is also available as an optional add-on.

The CoverAmerica-Gold policy with the same maximum limit of $100,000 and a $500 deductible will set a 60-year-old visitor from Mexico back $191.10.

» Learn more: The best travel credit cards right now

Visitors insurance for parents recapped

Getting reunited with family is a great feeling, especially when you live far away and the visits are rare. However, you don’t want your parents’ stay in the United States to be overshadowed by huge medical bills should an accident or a medical emergency occur.

If you want COVID-19 coverage to be included, go with Patriot America’s Plus and Platinum plans. Safe Travels USA and CoverAmerica-Gold also provide COVID-19 medical coverage.

If you're familiar with the UnitedHealthcare PPO network, Atlas America, Beacon America, CoverAmerica-Gold and Patriot America Plus are all on that network.

For those looking for extra travel protections, Patriot America Plus, Safe Travels USA and CoverAmerica-Gold are safe choices for parents’ insurance visiting the USA.

And remember to shop around and compare options as the length of the visit, policy maximums and deductibles will determine the final plan cost.

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

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent 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 $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℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

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

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Coverage for lawfully present immigrants

• “Qualified non-citizen” immigration status (see details below).
• Humanitarian statuses or circumstances (including Temporary Protected Status, Special Juvenile Status, asylum applicants, Convention Against Torture, victims of trafficking).
• Valid non-immigrant visas.
• Legal status conferred by other laws (temporary resident status, LIFE Act, Family Unity individuals). Get a full list of immigration statuses eligible for Marketplace coverage .

Lawfully present immigrants and Marketplace savings

A measure of income issued every year by the Department of Health and Human Services (HHS). Federal poverty levels are used to determine your eligibility for certain programs and benefits, including savings on Marketplace health insurance, and Medicaid and CHIP coverage.

Refer to glossary for more details.

• If your annual income is between 100% and 400% FPL: You may qualify for premium tax credits and other savings on Marketplace health coverage.

A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

• If your annual household income is below 100% FPL: If you’re not otherwise eligible for Medicaid, you’ll qualify for premium tax credits and other savings on Marketplace coverage if you meet all other eligibility requirements.

Immigrants and Medicaid & CHIP

• Lawful Permanent Residents (LPR/Green Card Holder)
• Cuban/Haitian entrants
• Paroled into the U.S. for at least one year
• Conditional entrant granted before 1980
• Battered non-citizens, spouses, children, or parents
• Victims of trafficking and his or her spouse, child, sibling, or parent or individuals with a pending application for a victim of trafficking visa
• Granted withholding of deportation
• Member of a federally recognized Indian tribe or American Indian born in Canada
• Citizens of the Marshall Islands, Micronesia, and Palau who are living in one of the U.S. states or territories (referred to as Compact of Free Association or COFA migrants)

Children and pregnant people

• 35 states, plus the District of Columbia, the Commonwealth of the Northern Mariana Islands, American Samoa, and the U.S. Virgin Islands, have chosen to provide Medicaid coverage to lawfully residing children and/or pregnant people without a 5-year waiting period. 
• 28 of these states also cover lawfully residing children or pregnant people in CHIP.

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• Visitors visa insurance

B2 visa insurance, Health insurance for B2 visa holders

Compare and buy us travel insurance, usa visitors b2 visa health insurance.

Health Insurance in a foreign country plan is one of the most important requirements for people traveling overseas for various purposes like tourism, education, visiting family and so forth. In order to choose a right US visitor insurance plan that fulfill all the necessary needs of an individual, they must be aware of kinds of plans and the coverage available for their conditions.

There are a set of comprehensive and fixed visitor medical insurance plans available for people falling into different categories as already mentioned.

Deductible and Co Insurance are the other important visitor insurance factors that helps in making decision for the purchase of the Best USA Visitor Visa insurance plan. This helps them to get the best Visitor insurance in USA to their requirement during their trip and travel.

Visitor visa insurance(travel medical insurance for B2 visitors) provides medical benefits such as hospitalization, doctors visits, prescription drugs, medical evacuation and repatriation as well as for diagnostic testing. Depending on the insurance plan selected visitors insurance plan can provide coverage for a host of non-medical benefits such as trip interruption, baggage delay, passport loss, etc.

Steps to buy travel medical insurance for B2 visitors online

B2 visa insurance.

• There are several reputed insurance companies that offer travel insurance plans for US visitors.
• One of the most effective ways to evaluate a travel health insurance plan is to compare the different plan options available online.
• Customers can use the simple and efficient compare tool on our site to access quotes and other relevant details of different travel insurance policies.
• Comparison of travel insurance in USA enable the visitors to make an educated decision before buying B2 visa health insurance plan online.

Extending the US visitor visa

Many travelers on US visitors visa who are on temporary or short term US visas may have to extend or renew their visa status in order to stay for longer durations in the US. The following is the procedure to extend the US short term visa:

• The visitor should complete the I-539 form for extension of a Non-Immigrant Visa
• The visitor should submit a letter stating the reason with detailed explanation for extension.
• The visitor should submit a copy of form I-94 that that he/she received on entry into the US
• The visitor should provide documentary evidence that the extended stay is temporary along with the booked return tickets
• The visitor should provide proof that the stay is completely taken care and he/she are financially covered and will not be a public charge in the United States.
• The visitor should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.

Pay the required renewal fees

Pay $370 filling fees +$85 for biometric fees depending on the petition at the USCIS.

Visa extension processing

The USCIS will issue a receipt with 13-digit case number on submission of the extension application.

The visitor should provide this case number to check the status of the application and its processing times (customer service number helpline number is: 1-800-375-5283).

What does visitor travel insurance cover?

Health care expenses.

Covers hospital medical expenses for sickness or accidents during travel.

Doctor visit

Covers Doctor visits in case of sudden injury or sickness.

Pharmacy drugs

Expenses from Doctor prescribed eligible pharmacy drugs.

Pre-existing conditions

• Some plans cover acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility if needed.

Repat of remains

Repatriation of remains expenses to home country in case of death.

Testimonials - From Our Customers

After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance. Know more »

We really thank American insurance team for providing great assistance in taking the insurance. We were successfully. Know more »

Thank you American Visitor Insurance customer service for meticulously following through. I truly appreciate it. Know more »

USA travel insurance coverage highlights

What does travel medical insurance cover what is travel insurance usa.

Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.

Medical coverage for accidents and emergency medical ailments

The travel insurance medical maximum coverage available is up to $1M. This however decreases for travelers over 70 years.

Doctors visit

This allows travelers to visit Doctors for sudden unanticipated medical ailments. The Co-pay and deductible depends on the plan with the option of No Co-pay and $0 deductible.

Doctor prescribed eligible pharmacy drugs are covered up to $50K, but this varies from plan to plan.

Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50K, but this varies from plan to plan.

Medical Evacuation

The best travel insurance provides coverage for medical evacuation up to $1M if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.

Repatriation of remains

The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler with coverage up to $50K available.

Emergency dental coverage

Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth. Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.

US Travel health insurance coverage for visitors

Traveling to the US needs detailed planning and it is very important for visitors on B2 visa to buy health insurance for tourist visa for the US. Health care in the US is extremely expensive and travel health insurance for tourist visa will provide protection against any sudden accidents and illness. While traveling to the US, international travelers should include travel medical insurance for tourist visa for a safe and stress free travel.

The domestic health insurance of the home country invariably provides little or no coverage in a new country. A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.

Visitor visa medical insurance for USA - FAQs

There are different types of US visas for Non US citizens traveling to the US. The B1 and B2 visa are under the category for non-immigrant visitor visas for traveling to the United States. The B1 visa is issued for all travelers who are traveling to the US for business purposes like for consultation with associates or attending a conference. The B-2 visa is issued for tourists who travel to the US for tourism, to meet friends, family and for holidays.

B2 visa holders do not need US health insurance as a requirement for getting or maintaining their visa, however, it is highly recommended to buy the best B2 visa holders health insurance in the US to protect themselves from high US medical costs in case of illness or injury during their stay. The US does not have universal health care, which means that most people have to pay for their own medical expenses, either out of pocket or through private insurance.

US health care is very expensive and without insurance, even a routine doctor’s visit can cost tens thousands of dollars. Simply having B2 visa insurance can lower hospital bills since US insurance preferred provider organization (PPO) network healthcare billing is much lower than regular hospital bills without PPO network in the United States

Health insurance for B2 visa holders can offer various benefits, such as:

• Covid19 coverage : Some plans cover COVID-19 related expenses, such as testing, treatment, hospitalization, and quarantine, up to the policy limit.
• Other medical expenses : Most plans cover other medical expenses, such as doctor visits, prescriptions, surgery, ambulance, and repatriation, in case of illness or injury during the trip.
• Emergency services : Most plans cover emergency services, such as evacuation, accidental death and dismemberment, and travel assistance, in case of a life-threatening situation or a travel disruption.
• Pre-existing conditions : Some plans cover acute onset of pre-existing conditions up to a certain limit, as long as they are stable and controlled before the trip.
• Lower hospital bills : Since US insurance preferred provider organization (PPO) network healthcare billing is significantly lower than regular hospital bills without PPO network in the United States.

There is no specific minimum coverage requirement mandated by the US government for B1 or B2 visa medical insurance. However, a good practice is to have coverage with at least $50k to $100k in medical expenses coverage.

You can compare different plans and buy best B1 visa health insurance on American Visitor Insurance which includes emergency medical expenses and medical evacuation.

Medical insurance for b1/b2 visas may be valid as long as the visa up to 10 years, visitors on B-1 or B-2 will only be permitted to stay in the United States for a short duration (maximum 6 months), as granted by US Customs and Border Protection upon arrival. It is recommended that you can buy B visa insurance for the length of your stay in the United States.

A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country. The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip.

The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.Visitor health insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.

• Any new sickness or injury that occurs during the trip after the start of the policy.
• Accidents or illness occurred during the trip.
• Medical emergencies and medical evacuation.
• Cover for hospital treatment ,doctor expenses and prescribed drugs.
• Dental emergencies (again offered by some insurance plans).
• Preventive care like routine health checks, physical examinations, inoculation, vaccination.
• Regular treatment for pre-existing conditions.
• Maternity coverage if conception occurs before purchase of visitor health insurance.

There are broadly two types of visitors health insurance that a traveler can choose based on their travel requirements.

A fixed benefit insurance plan is a basic plan with lower benefits and lower premiums. These covers offer basic standard medical coverage and stay in case unforeseen medical or travel events occur while traveling away from home country. There are few plans that cover acute onset of pre-existing conditions up to a certain limit.

Comprehensive travel insurance offers exhaustive coverage but are more expensive when compared to the fixed benefit plans. Most of the comprehensive plans offer coverage for acute onset of pre-existing conditions. The insured can visit doctors within their PPO network to get cashless services. There are many US insurance providers who offer good comprehensive visitors health insurance plans like Patriot America Plus , Safe Travels USA Comprehensive , Atlas America and Travel Medical Plus .

A US visitor visa travel insurance is travel medical insurance that offers coverage for all medical and travel emergencies that may occur during the trip to the US. The travel insurance typically covers the cost of the treatment of any unexpected injuries and illnesses, emergency medical evacuation and accidental death.

Travelling to the United States is definitely an exciting experience for travelers however travelling long distance, the change of weather and food often increases the chances for travel and medical risk. Here is why travelers should include US visitor insurance, this is particularly important given the high cost of US healthcare.

• Travelling to a new country, and trying new cuisines, jetlag and different lifestyles can be risky. Sometimes even with full planning there is always a chance for travel or medical mishaps, accidents, injuries or illness. These unexpected events can happen to anyone and at any age, but older travelers are particularly vulnerable. Given these risks, it is important to include the best US visitor insurance while traveling there.
• . The US does not offer free medical treatment to its visitors. Nor the domestic health Insurance cover from the home country will provide little or no coverage for any medical treatment in the US. In the US each one is responsible to pay for themselves for all healthcare costs. Visitors to the US need to pay on their own either through a travel insurance cover or from their pocket for any unexpected illness or injury.
• The high cost of healthcare in the US makes it vital for travelers to have good travel health insurance while traveling to the US. A smallest diagnosis and a basic treatment for medical conditions like upper respiratory infections can leave the traveler with a huge bill. If there is a need for an emergency evacuation or surgery then the cost is extremely high and can leave the traveler in a huge financial burden.
• Even though it’s not mandatory to include travel insurance for a trip to the US. By including travel insurance, travelers can be rest assured that even if any emergency healthcare is required, it is taken care of by the US visitor insurance cover.

Yes. These travel insurance plans are from the reputed and popular private insurance companies in the US. These companies have been there for a while and has served many travelers over the years and have excellent rating and popularity. They are associated with the provider networks in the US which are popularly known as PPO networks such as First Health network, United Healthcare, Coventry healthcare to name a few.

Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy.

As a sponsor for anyone on a student’s visa, a visitor’s visa or for permanent residency status (Green card) you are completing the I-134 Form. The I-134 form is an Affidavit of Support indicating to the U.S. government that the visa applicant will be financially supported by the sponsor in the United States. This is to remove the risk of the visa applicant from becoming a public charge (financial liability) to the US government.

The sponsor is therefore considered responsible for any living and healthcare expenses of the visa applicant while in the United States. In the event that the visa holder needs healthcare services, the healthcare provider can hold the sponsor who provided the I-134 form, ie 'Affidavit of Support' responsible for any medical bills that are not paid by the sponsored visa holder. Given this risk and the high US healthcare costs, it is important that the sponsor ensures that the visa applicant has good medical insurance coverage as long as the I-134 Affidavit of support is valid. At American visitor insurance, we have US travel health insurance and student medical insurance options which are applicable for these visa applicants.

An Affidavit of Support is enforceable until the visa applicant either becomes a US citizen, or is credited with 40 quarters of work (which is typically 10 years).

Yes, Non US citizens can get medical insurance for traveling outside their home country.

Cost of best US travel insurance for pre-existing conditions

Inf elite insurance full pre-existing condition coverage comprehensive plans.

• There is a minimum purchase of 90 days required to buy this plan.
• This plan is available for Non-US Citizens.
• Anyone visiting USA or Canada can enroll in this plan.
• Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.

INF Elite Plus Insurance Full Pre-existing condition coverage Comprehensive plans

• Covers Preventive & maintenance care and coverage for full body physicals. Coverage for TDAP, Flu, etc Vaccines
• Pre-Existing complications from Covid-19 covered.

INF Elite 90 Insurance Full Pre-existing condition coverage Comprehensive plans

• Covers 90% of eligible medical expenses

INF Premier Insurance Full Pre-existing condition coverage Fixed Benefit plan

• This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
• Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

INF Premier Plus Insurance Full Pre-existing condition coverage Fixed Benefit plan

• Covers preventive & maintenance care
• Coverage for TDAP, Flu, etc Vaccines
• Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.

Patriot America Plus Insurance Acute onset of Pre-existing condition coverage Comprehensive plans

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• Patriot America Plus Covid insurance offers coverage for coronavirus illness.
• Available for US citizens visiting USA

Visitors Protect Insurance Full Pre-existing condition coverage Comprehensive plans

• It is an affordable plan for visitors visiting the US.
• This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Visitors Protect Covid insurance offers coverage for coronavirus illness.

Travel Medical Choice Insurance Acute onset of Pre-existing condition coverage Comprehensive plans

• Travel Medical Choice Covid insurance offers coverage for coronavirus.
• For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
• For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available .
• Excluding USA : Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79.

Travel Medical Basic Insurance Acute onset of Pre-existing condition coverage Comprehensive plans

• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
• Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.
• Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79.

Atlas America Insurance Acute onset of Pre-existing condition coverage Comprehensive plans

• Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
• Atlas America Covid insurance offers coverage for coronavirus illness.

Visitor Secure Insurance Acute onset of Pre-existing condition coverage Fixed Benefit plan

• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.

Safe Travel USA Comprehensive Insurance Acute onset of Pre-existing condition coverage Comprehensive plans

• Covers Acute onset of Pre-existing condition coverage: Covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
• Up to $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
• It offers coverage for visitors up to 89 years.
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date

Safe Travel USA Insurance Unexpected recurrence of a Pre-existing coverage Comprehensive plans

• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• Safe travel USA Covid insurance offers coverage for coronavirus.

Safe Travel USA Cost Saver Insurance Unexpected recurrence of a Pre-existing coverage Comprehensive plans

• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• Eligible for foreign residents visiting USA and worldwide

Safe Travels Elite Insurance Acute onset of Pre-existing condition coverage Fixed Benefit plan

• Foreign residents visiting USA and worldwide.
• Plan can be renewed up to 2 years.
• The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
• Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.

Diplomat America Insurance Pre-existing condition exclusion Comprehensive plans

• This plan is for Non Us citizens and Non US residents visiting the US.
• Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage

Visit USA Insurance Acute onset of Pre-existing condition coverage Fixed Benefit plan

• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
• Visit USA offers 3 plans to satify your requirements and budget.
• Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)

Comprehensive plan

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Fixed Benefit plan

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. It is affordable because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalization.

Full Pre-existing condition coverage

Full Pre-existing condition coverage is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc

Acute onset of Pre-existing condition coverage

The " Acute onset of Pre-existing condition coverage " is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of Physician recommendations or symptoms and requires immediate care.

Unexpected recurrence of a Pre-existing coverage

Unexpected recurrence of a Pre-existing coverage Condition means a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs

• Occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and  immediate medical care.
• Occurs a minimum of 48 hours after the Effective Date of the Policy.

Pre-existing exclusion

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Factors that determine the cost of US travel insurance plans

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Comprehensive travel insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Best Seniors travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition" .Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.

Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite , Elite Plus and INF Elite 90 .

To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

1.  The INF Elite Insurance plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.

2.   Safe Travels USA Comprehensive Insurance offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25K). For persons above 70 Acute Onset benefits is reduced to a maximum of $35K (cardiac-related treatment up to $15K).

3.   Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.

4.   Patriot America plus Insurance is comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This health insurance for Non US citizens is available for travel to the US and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.

5.   Visitors Protect Insurance is comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.

6.   Safe Travels USA Insurance is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Age of the traveler

Type of travel insurance, medical maximum coverage and deductible options, region of coverage, duration of travel insurance, any add on benefits, health insurance for tourist visa in usa, visitors visa usa travel insurance, senior citizens, parents insurance, pre-existing coverage, travel insurance, popular us b2 visa insurance, insurance for a visitor for covering emergency situation.

I am trying to help somebody get insurance in case of a major accident. They are currently on an emergency visa for B2 status. He is Russian and 21 years old. I am looking at Safe Travels USA. Is this an appropriate policy?

Please let us know in case of any questions

Health Insurance plans for US Citizens, residing outside of US, visiting US

I am having difficulty finding an appropriate plan for my upcoming trip to the US. I am a US citizen, as well as my 1 year child, however my husband is a non-US citizen. I have not resided in the US for over the past 6 months and I do not have US health insurance. What can I do? My trip will be from 8/24-10/15, primarily in Michigan, then San Francisco for the last two weeks. Please advise on what are my options?

Also regarding the foreign residence, do I need to have a foreign residency document or does my passport with entry and exit stamps suffice?

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!

Given below are details of plans that will cover US citizens who reside outside of the US while they visit the US. These plans define "home country" as where a person has a fixed residence, not necessarily their country of citizenship. So, as long as you intend to return to your country of residence, they will cover you. You need to enter your country of residence for the mailing address.This plan is available for Non US citizens visiting the US as well. You will need your passport number while purchasing the plan and nothing else

Here is the plan:

This plan is available for US citizens residing outside US and coming to the US for short term visit.

Please let us know in case of any further questions

Select the visitor insurance in USA plans that you want to compare

Fixed benefits plans.

• Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
• Cheapest options in the market definitely more affordable
• Fixed benefits plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Comprehensive Plans

• Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
• These plans do not have benefit limits based on the type of medical expense.
• Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Review international travel medical insurance plans

• Atlas vs Patriot vs Travel Medical Choice
• Safe travels vs Atlas vs Patriot vs Travel Medical
• Visitors Care vs Visitor Secure vs Safe travels Elite

Review and compare the best visitor health insurance.

USA visa health insurance, Visitor visa health insurance USA

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

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Italy establishes digital nomad visa for remote workers — how to qualify

Ciao, remote workers!

Italy has launched a digital nomad visa to allow remote workers to live and work in the country long-term.

The visa went into effect on April 4, permitting foreigners to remain in the country for up to a year. It can be renewed annually.

The Italian government defines a digital nomad as a citizen of non-European Union states “who carries out a highly qualified work activity with the use of technological tools capable of allowing them to work remotely, both as a worker self-employed or as a collaborator or employee of a company even if not resident in Italy,” according to EuroNews .

The government is hoping to welcome highly skilled remote workers to enjoy la dolce vita as long as they meet certain requirements.

Applicants must be tax compliant and have an annual income of at least three times the minimum level for exemption from participation in healthcare costs in Italy — about $30,000 annually.

However, they must sign up for a health insurance plan that lasts their entire stay.

Digital nomads will also need to prove they have suitable accommodations and they have been digital nomads or remote workers elsewhere for at least six months.

But even if an applicant can meet these requirements, they shouldn’t bother applying if they have been convicted of a crime within the last five years — even with a non-definitive sentence. You will automatically be denied.

Those who are accepted will be allowed to bring family members along with them as long as the local police approve a residence permit for the family.

If approved, digital nomads should begin brushing up on their Italian — they have eight days from their arrival in Italy to apply for a residence permit.

Remote workers who qualify will need to book an in-person appointment at an Italian consulate in their country of residence to have their application approved.

Countries including Portugal and Spain have launched similar programs.

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Credit Cards > Reviews

Breeze Easy Visa Credit Card review 2024: Money-saving perks for fans of the startup carrier

Stella Shon

Allie Johnson

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

Grace Pilling

Published 6:07 a.m. UTC April 10, 2024

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Breeze Airways remains relatively unknown, but this startup airline is a breath of fresh air for travelers in underserved areas. The airline offers nonstop routes from smaller airports to popular U.S. destinations, allowing flyers to skip connecting through busy airports.

Now, the low-cost airline is launching its first credit card, the Breeze Easy™ Visa® Credit Card * The information for the Breeze Easy™ Visa® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Cardholders can earn BreezePoints on Breeze flights and everyday expenses and redeem them for flights, bags, seat assignments, and more.

Here’s our full Breeze Easy Visa Credit Card review and our take on whether frequent Breeze flyers should take a closer look. 

Breeze Easy Visa Credit Card basics

• Annual fee: $89.
• Welcome bonus: 50,000 BreezePoints after spending $2,000 in the first 90 days of account opening.
• Rewards: Earn up to 10 points per $1 on Nicer Bundles, Nicest Bundles and trip add-ons (5 points per $1 when the flight is purchased, plus 5 points per $1 once the flight is completed), up to 4 points per $1 on Nice Bundles (2 points per $1 when the flight is purchased, plus 2 points per $1 when flight is completed), 2 points per $1 on eligible grocery store and restaurant purchases (including inflight food and beverages and 1 point per $1 on other purchases.
• APR: 21.24% to 29.99% variable.
• Recommended credit score: Good to excellent.
• Does the card offer preapproval? No.
• Other benefits: Points never expire with the card, Group 1 Priority boarding, complimentary inflight Wi-Fi on Breeze Airbus fleet, 7,500-anniversary points after spending $10,000 in a year and no foreign transaction fees.

Breeze Easy Visa Credit Card review

A loyalty program is key to repeat business, and Breeze is offering its frequent flyers even more with the debut of a new travel rewards credit card. While the Breeze Easy Visa Credit Card isn’t for everyone, it provides plenty of value for the right cardholder.

You can earn up to 10 points per $1 on Nicer Bundles, Nicest Bundles and trip add-ons (5 points per $1 when the flight is purchased, plus 5 points per $1 once the flight is completed), up to 4 points per $1 on Nice Bundles (2 points per $1 when the flight is purchased, plus 2 points per $1 when flight is completed), 2 points per $1 on eligible grocery store and restaurant purchases (including inflight food and beverages and 1 point per $1 on other purchases.

In other words, you can get up to a 10% return on eligible Breeze purchases.

Your BreezePoints never expire as long as you have the card, and you can redeem them at a flat 1-cent-per-point rate for flights and other traveler extras such as checked bags and seat assignments.

But with an $89 annual fee, you’ll need to crunch the numbers to see if the card will provide enough value to justify the cost.

The card offers benefits you’d expect from any airline credit card , such as access to priority boarding for the cardholder and companions on the same reservation. And cardholders get free inflight Wi-Fi, saving $8 each way. (By the end of the year, Breeze plans to become a fleet of all Airbus A220s, one of the most comfortable regional jets to fly.)

In sum, Breeze offers an economical way to fly to dozens of U.S. destinations, and its new credit card is a natural fit for frequent Breeze travelers.

• Elevated points spent on Breeze flights and trip add-ons: That’s one of the best rewards rates on any airline credit card, giving flyers a generous haul of points for booking Breeze flights. 
• Complimentary Wi-Fi for all travelers on the same reservation: You won’t have to pay for internet connectivity, saving you $8 on every one-way flight.
• BreezePoints won’t expire : BreezePoints normally expire after 24 months, but the card will extend their shelf life for as long as your account remains open.
• Anniversary bonus: You’ll get a 7,500-point bonus every account anniversary, worth $75 for Breeze flights and more, if you spend at least $10,000 on the card each year. 
• No free bags: Airline credit cards typically come with a free checked bag, but this card does not waive the cost of checked bags. 
• BreezePoints are worth 1 cent apiece: While Breezy Rewards is a straightforward program, there’s no opportunity for outsized value, as with other frequent flyer program currencies.
• Full rewards only after your flight : With the card’s earning rate, you’ll earn half of the BreezePoints when purchasing the flight and the other half after the flight is complete. 

Breeze Easy Visa Credit Card rewards

Perhaps the most eye-catching feature of Breeze’s first-ever credit card is the ability to earn huge rewards on eligible Breeze Airways purchases. Let’s take a closer look at how the rewards break down:

Cardholders can earn up to 10 points per $1 on Nicer Bundles, Nicest Bundles and trip add-ons (5 points per $1 when the flight is purchased, plus 5 points per $1 once the flight is completed), up to 4 points per $1 on Nice Bundles (2 points per $1 when the flight is purchased, plus 2 points per $1 when flight is completed), 2 points per $1 on eligible grocery store and restaurant purchases (including inflight food and beverages and 1 point per $1 on other purchases.

New applicants can also earn 50,000 BreezePoints after spending $2,000 in the first 90 days of account opening. 

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $25,087 in annual expenses that can be charged to a credit card. 

We assumed the example cardholder purchased flights at the base-level ticket (Nice fare class). Here’s how our sample household’s rewards could break down:

Cardholders will earn BreezePoints through the Breezy Rewards program. In this example, the cardholder earned 37,119 points from card purchases, worth $371.19 for Breeze flights, baggage fees, seat assignments, and more. 

Breeze Airways is not part of an airline alliance, nor does it have any partnerships, except with new partner Priceline. You can only redeem your points for Breeze-related purchases, meaning there’s no opportunity to maximize rewards on other airlines. This is a key consideration if you want to apply for the Breeze card. 

Breeze Easy Visa Credit Card perks

An airline credit card is best suited to those who fly almost exclusively with the carrier, and the Breeze Easy Visa is no exception. Cardholders get the major advantage of free inflight Wi-Fi, saving them and companions on the same reservation $8 each way.

Furthermore, cardholders and their travel companions on the same reservation get Group 1 priority boarding. That means you’ll have first dibs on precious overhead bin space. The more you fly, the more value you’ll get from these benefits. 

In addition, cardholders get the chance to earn 7,500 bonus points each anniversary year after spending $10,000 in purchases. Those BreezePoints are worth $75 — nearly the cost of the annual fee — adding even more ongoing value. 

Although the airline has no international flights, the Breeze Easy card is a keeper for traveling abroad because there are no foreign transaction fees. It’s a Visa Signature card, which comes with complimentary travel insurance perks such as trip cancellation and interruption insurance, baggage delay coverage and more.

Breeze Easy Visa Credit Card drawbacks

One crucial feature the card is missing: a free bag benefit. Most airline credit cards will waive the cost of the first checked bag as a cardholder-exclusive perk. This could be a dealbreaker for some travelers.

At the lowest fare classes, Breeze only allows for one free personal item that must fit under the seat. The airline also operates on a dynamic bag pricing model, so the cost of a carry-on and checked bag will vary slightly depending on your flight route. 

While this may disappoint, remember that BreezePoints can be redeemed for extra charges, including bag fees. For instance, you can use 3,500 BreezePoints to wipe out a $35 carry-on bag charge. And, if you’ve booked a higher fare class (Nicer or Nicest), the cost of bags is included in the ticket bundle.

How the Breeze Easy Visa Credit Card compares to other travel cards 

Breeze easy visa credit card vs. chase sapphire preferred® card.

The Chase Sapphire Preferred Card , which has a $95 annual fee, is ideal for travelers looking to earn bonus points on travel and everyday purchases. You’ll earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

Chase Ultimate Rewards® has an enticing list of transfer partners, including United and Southwest. Cardholders can redeem miles at an elevated 1.25-cent rate for travel purchases via the Chase travel portal. Unfortunately, you can’t book Breeze Airways flights on Chase Travel, so this isn’t a fit if you want to redeem points for Breeze flights. 

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Chase Sapphire Preferred® Card

Welcome bonus.

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℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card Details

• 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℠.
• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Breeze Easy Visa Credit Card vs. Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Capital One Venture Rewards Credit Card also has a $95 annual fee and offers the benefit of simplicity with 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases. You can redeem Capital One miles as a statement credit for any travel purchases made within the past 90 days at a rate of 1 cent apiece. This rewards flexibility is a big plus.

It’s also possible to outsize those rewards with Capital One’s airline and hotel transfer partner roster, especially for international flights. You’ll also benefit from a Global Entry/TSA PreCheck application fee credit (up to $100), a nice added travel perk. 

Breeze Easy Visa Credit Card vs. JetBlue Plus Card * The information for the JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

We’d be remiss not to offer a comparison to the JetBlue Plus card to see how the Breeze Easy card stacks up. The JetBlue Plus Card has a slightly higher $99 annual fee. It’s also issued by Barclays and offers similar earnings: 6 points per $1 on eligible JetBlue purchases, 2 points per $1 at restaurants and eligible grocery stores and 1 point per $1 on all other purchases. 

You’ll earn TrueBlue points, which can be redeemed for flights on the airline or partner carriers such as Qatar Airways or Hawaiian Airlines. The JetBlue Plus card offers a free first checked bag. This benefit provides at least $35 in savings each way, which helps offset the annual fee. 

Is the Breeze Easy Visa Credit Card worth it?

Between the card’s welcome bonus and ongoing rewards rates, there’s a lot of potential to stockpile BreezePoints. But unless you exclusively fly with the airline, it’s worth shopping around to see if another travel credit card will serve you better in the long term, especially if your goal is to save money on flights with a range of carriers, rather than just Breeze Airways.

Breeze Easy Visa Credit Card is right for you if:

• You frequently fly out of the airline’s main hubs .
• You want to earn rewards to save money on Breeze flights and travel purchases.
• You want to save money onboard Breeze flights with the card’s complimentary Wi-Fi.

Frequently asked questions (FAQs)

Airline credit cards, such as the new Breeze Easy card, offer ways for the most loyal flyers to save money on travel. This card is no exception, with plenty of ways to earn BreezePoints, free Wi-Fi and more for ultra-loyal Breeze passengers.

The Breeze Easy card costs $89 per year. This fee is in line with competing travel cards, which you might also want to consider for more flexible rewards earning, redemption and perks.

While the issuing bank, Barclays, does not disclose a specific credit score requirement, you’ll want to have good to excellent credit to increase your chances of qualifying for most travel credit cards. 

Breeze Airways does not offer a true business-class product, but the airline has a spacious recliner seat called “Ascent class” on its Airbus A220 fleet, and extra legroom seats. 

*The information for the Breeze Easy™ Visa® Credit Card, Capital One Venture Rewards Credit Card and JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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.

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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