For foreign visitors, travelling to the United States is a wonderful experience. However, if you don’t budget for it, health insurance can be quite expensive. We are available to assist you in locating the top health insurance for travellers visiting the USA. The 8 Best Health Insurance Options for US Visitors
Especially if you’re travelling from nations like Spain, Germany, Iceland, and France, you might need to show the embassy proof of insurance. We are aware that choosing insurance can be challenging given the vast array of alternatives available, but it is essential to select the plan that best meets your needs.
We adore utilising the VisitorsCoverage free quotation price tool because they are experts in insurance packages for those travelling to the US. Based on your needs, their free quotation pricing will determine the best plan for you.
As a result, we are providing you with this post that will inform you about some of the top health insurance options for travellers to the USA.
Summary of the Best Travel Health Insurance Plans
Here is a summary of our best recommendations for visitor health insurance in the United States.
| Best USA Visitors Health Insurance Overall | Atlas America |
| Best USA Health Insurance for Parents | Cover America Gold |
| Best USA Health Insurance for International Students | Inbound USA Basic Insurance |
| Best USA Health Insurance for Pre-Existing Conditions | Patriot Platinum Insurance Plan |
| Best Travel Medical Insurance Search Engine | InsureMyTrip |
The best health coverage for tourists visiting the USA
1. Atlas America
One of the greatest options for visitor insurance is Atlas America. It is a respected insurance company that is authorised and controlled by the US Department of Insurance. The USA is where the claims of Atlas America are addressed.
The insurance programme, which is managed by HCC MIC, is created to offer people and families going to the USA visitor medical insurance coverage and emergency medical services. With some restrictions, it offers coverage for pre-existing conditions that suddenly develop.
Up to 100% of the PPO network is available to you. The insurance enables you to access medical care from a wide range of practitioners, clinics, and hospitals outside the PPO network.
For people under 69, the plan provides coverage ranging from $50,000 to $2,000,000 for pre-existing medical conditions.
The insurance covers up to $100,000 for people aged 70 to 79.
2. Cover America – Gold
One of the most well-liked travel health insurance options, Cover America, offers 100% coverage following the deductible. This insurance offers a wide range of features that make it the best alternative for travellers needing medical coverage when travelling in America.
Insurance from Cover America offers protection from passport loss, border entry security, missed flights, and return flights.
In addition to this, insurance is accessible for the pre-existing medical disorders you have.
Anyone who is less than 69 years old may purchase this insurance. The highest amount of coverage you are eligible for under this policy is $125,000, while the maximum amount of coverage for cardiac and stroke therapies is $36,000.
- “A+” rated Cover America Gold is a plan.
- Copay for urgent care is $20 to $25, depending on the policy.
- A comprehensive coverage plan offers protection for 5 to 364 days.
- Along with providing coverage for a cruise, border entry, and amusement park, you also receive a free wellness discount card.
- Total coverage of $125,000 for those under 69 and $30,000 for those between 70 and 79
- comprehensive PPO network operating under PHCS in the United States
3. Patriot America Plus
Another top visitor insurance option for parents travelling to the USA is Patriot America Plus Insurance. The plan offers you up to 100% coverage inside the United Healthcare PPO Network once you pay the deductible.
The insurance will cover 80% of your medical expenses if you decide to go outside of this network. Non-citizens, those with green cards, as well as US citizens who only temporarily visit the nation, may all purchase Patriot America Plus Insurance.
The insurance is intended to cover medical issues like accidents, injuries, stays in intensive care units, surgeries, MRIs, and lab tests. This plan’s coverage period ranges from 5 days to 365 days, much like Cover America does.
4. Liaison Travel Choice
One of the best health insurance options for foreign travellers to the USA is Liaison Travel Choice. After all, it covers pre-existing medical issues up to $30,000 in full. Additionally, travellers are eligible for free discounted care at the majority of American pharmacies.
After the deductible, the insurance plan pays up to 90% of eligible expenses within the PPO (Preferred Provider Organisation) network and up to 80% of eligible expenses outside the network.
The insurance provider covers anything within the network at 100% after paying 90% of the first $5000 in benefits.
5. ChoiceAmerica
ChoiceAmerica may be a great choice if you’re looking for basic travel medical insurance. IMG (International Medical Insurance) is in charge of this visitor insurance programme.
Visitors to any country can obtain coverage protection for unintentional injury or illness with the help of visitor health insurance, which is a short-term travel medical insurance policy.
This insurance is apart from other insurance choices in that it enables you to go to whichever doctor or hospital you decide is best for you.
Additionally, the insurance plan has a pre-determined cap for each medical procedure, which takes guessing out of the picture. Additionally, the insurance plan includes coverage for both North and South American cruises and theme parks.
6. International Major Medical
PIU Lloyd’s of London is in charge of overseeing the International Major Medical Plan. You might also take this into account if you need to obtain short-term visitors’ health insurance in order to travel to the US.
New immigrants, short-term visitors, and those temporarily employed in the USA are all meant to be covered by it.
10 days to 11 months of coverage are provided by the insurance policy. You can purchase an insurance with this plan ranging from $50,000 to $1,000,000. The age range of 70 to 84 is a very popular one for the insurance coverage.
The application is swiftly accepted and approved by the business. When you pay for it, your insurance is immediately verified. Using VisitorsCoverage can help you receive the best deal available.
7. Patriot Platinum Insurance
Patriot Platinum is a travel medical insurance programme administered by IMG that includes all necessary costs from conventional travel insurance. For senior individuals aged 70 to 79, it is an excellent strategy. Customers have given the insurance plan positive feedback and evaluations.
The United States handles all of its claims. Out of network, you receive 90% of the first $5,000 and then 100% up to the policy maximum, with additional benefits for a sudden and unexpected recurrence of a pre-existing condition. In the POP network, the insurance plan offers compensation up to 100%.
8. Inbound USA Insurance
This restricted coverage insurance policy covers foreign nationals visiting the US temporarily. Since it is only a basic plan, it cannot offer the advantages of more comprehensive plans. It is a cheap insurance policy that provides coverage for each occurrence.
Green card holders who are US residents who travel into and out of the country cannot use Inbound USA Insurance. Its limited coverage means that it will only cover each treatment up to a specified amount.
If the bill is higher than that, you will have to cover the costs on your own.
Consider it if you’re searching for a cheap, basic package.
It got an A rating from prominent US-based rating agency AM Best.