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Compare & Buy Visitor Insurance Plans for the USA
Affordable travel medical coverage for parents, tourists, and international travelers visiting the United States. Instant online quotes, fast enrollment, and 24/7 customer support.
Parents Visiting Children in the USA
Protection for visiting parents and in-laws
B-1/ B-2 Visa Visitors & Tourists
Essential health coverage for tourist travel
Senior Travelers Visiting the USA
Tailored protection for travelers over 65
Travelers on Short US Trips
Quick, affordable plans for brief visits
Parents with Pre-existing Conditions
Emergency coverage for existing health issues
J-1/J-2 Exchange Visitors
Coverage for exchange program participants
Explore Our Visitor Insurance Coverage Options
Affordable Travel Medical Insurance for USA Visitors
Visitor Guard®’s visitor insurance can protect you from expensive medical bills while you are in the USA. Our visitors’ insurance plans provide the coverage you require if you experience any new illness or injury while traveling, or for an acute onset of a pre-existing condition.
Visitor Guard® provides the best health insurance plans in the United States. With our comprehensive US insurance plans, members avail direct, cashless payments to providers in the United Healthcare, and First Health Networks within all states in the US. Visitor Guard® offers specialized visitor insurance for parents visiting the USA.
Visitor Guard® Insurance Plans Can Cover:
- Hospital and doctor expenses for illness and injury
- Prescription drugs
- Emergency medical evacuations
- Acute onset of pre-existing conditions
- Urgent care and Intensive care
Our Best-Selling Visitor Insurance Plans
Protecting US visitors with our most popular insurance options, trusted by thousands of travelers for peace of mind abroad.
Safe Travels USA Comprehensive
$73 / mo For age 45 year with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
- Coverage for 1 episode of Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Safe Travels Elite
$38 / mo For age 45 year with $50,000 plan and $0 deductible- Plan maximum limits ranging from $25,000 to $170,000
- Deductible options $0; For ages 79 to 89 yrs: $100, $200
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for 1 Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Patriot America Plus
$75 / mo For age 45 year with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
How Much Does Visitor Insurance Cost in 2026?
Visitor insurance in 2026 can cost less than $1 a day. Monthly premiums for the plans below range from $29 to $255. Fixed-benefit plans are cheaper. Comprehensive plans cost more because they cover a larger share of the hospital bill.
| Plan Name | Plan Limit | Age 50 Years | Age 60 Years | Age 70 Years |
|---|---|---|---|---|
| Visitors Care | $25,000 to $100,000 | $29 to $ 62 | $38 to $72 | $63 |
| Safe Travels Elite | $25,000 to $175,000 | $36 to $110 | $48 to $129 | $99 |
| Visitor Secure | $50,000 to $130,000 | $45 to $84 | $53 to $73 | $93 |
| Safe Travels USA Cost Saver | $50,000 to $1,000,000 | $117 to $198 | $140 to $251 | $239 |
| Patriot America Plus | $50,000 to $1,000,000 | $125 to $237 | $168 to $344 | $293 |
| Atlas America | $50,000 to $2,000,000 | $126 to $252 | $171 to $366 | $344 |
| Safe Travels USA | $50,000 to $1,000,000 | $127 to $235 | $148 to $296 | $253 |
| Safe Travels Comprehensive | $50,000 to $1,000,000 | $149 to $280 | $173 to $352 | $296 |
| Diplomat America | $50,000 to $1,000,000 | $238 to $411 | $300 to $395 | $464 |
| Visitors Protect | $50,000 to $250,000 | $255 to $382 | $364 to $546 | $875 |
*Average cost of Visitor Insurance Plans based on quotes for a 50-year-old male traveling to the US for a 1-month trip. Source: Visitor Guard®
Visitor Guard®’s Reputable Visitor Insurance Partners
Many of the best US providers partner with Visitor Guard®, including Trawick International®, International Medical Group (IMG), WorldTrips, Travelex, Global Underwriters, Blue Cross Blue Shield, and Petersen’s.
Why Buy Visitor Insurance Plans from Visitor Guard®
Visitor Guard® offers the affordable visitor insurance plans in USA. Purchase with confidence from experienced, licensed insurance professionals based in the US. You will receive the best value for visitor insurance including benefits, service, and price.
Licensed U.S. Insurance Agency
Visitor Guard® is operated by The Guard Company, LLC, a Virginia-licensed insurance agency (License #135729). Since 2013 we’ve helped international visitors, immigrants, and students find visitor insurance and travel medical insurance in the USA.
Compare 50+ Visitor Insurance Plans
Compare 50+ visitor insurance and travel medical insurance plans from leading U.S. insurers like IMG, Trawick International, WorldTrips, and more. Easily compare premiums, PPO networks, coverage benefits, deductibles, and plan features in one place.
Trusted by International Travelers
Thousands of global visitors count on Visitor Guard® for reliable travel medical insurance and seamless protection throughout their stay in the U.S. From visiting parents to US visitors, our tailored coverage options protect against unexpected doctor visits, hospitalizations, and prescription costs.
Licensed Agents Support
Our licensed, U.S.-based insurance agents are available to provide trusted guidance before, during, and after your trip. With 20+ years of insurance experience, our knowledgeable agents can help you choose the right coverage, answer your questions, and assist you throughout the claims process – whenever you need us.
How to Buy an Visitor Insurance Plan on Visitor Guard®
Protect yourself and your loved ones with the best medical insurance plans in the USA. Compare, choose, and buy the ideal plan today with Visitor Guard® and travel worry-free!
Enter your information in the Quote Form above to explore the plans that best fit your needs.
Evaluate the pros and cons of each plan based on budget, coverage, and network area.
Select a plan from our trusted insurance providers and complete your purchase online.
Receive and confirm your policy documents via email for quick and easy access.
How Much Does Healthcare Cost in the US Without Visitor Insurance?
Typical healthcare costs in the U.S. include:
| Medical service | Typical cost range (USD) | What it may Include |
|---|---|---|
| Urgent care visit | $150–$280 | Basic evaluation; tests, X-rays and procedures may be additional |
| Doctor’s office visit | $125–$300 | Routine evaluation; tests and procedures usually extra |
| Hospital inpatient stay | $5,000–$20,000+ | Hospital expense per adjusted inpatient day; actual patient charges can be much higher |
| Ground ambulance | $400–$1,200+ | Transport charges; mileage and medical services can add to cost |
Note: Costs are approximate 2026 U.S. estimates and can vary significantly by location, hospital, provider, treatment complexity, insurance status and negotiated rates. They are provided for general informational purposes and are not guaranteed prices.
What Are the Types of USA Health Insurance for Visitors?
USA health insurance for visitors is primarily split into two options: comprehensive insurance and fixed-benefit plans.
Comprehensive visitor health insurance plans, like Safe Travels USA Comprehensive, Patriot America Plus, and Atlas Travel, pay a percentage of covered costs up to the chosen policy maximum without per-service sub-limits, making them the best option for major medical emergencies and hospital stays in the US.
Fixed-benefit (limited) plans, such as Visitors Care and Safe Travels Elite, offer lower upfront premiums by paying capped dollar amounts per treatment or doctor visit. Choosing between the two comes down to balancing out-of-pocket financial risk against budget and travel needs.
What Type of USA Visitor Health Insurance Coverage Do You Need?
| Feature | Limited Benefit Plans | Comprehensive Plans |
|---|---|---|
| Coverage Scope | Basic and limited benefits | Broad and extensive coverage |
| Medical Expense Limits | Lower maximum limits (e.g., up to a fixed amount) | Higher overall coverage limits for medical expenses |
| Types of Covered Services | Most medical and some trip related benefits with pre-defined limits | Most medically necessary services including doctor visits, diagnostics, hospitalization |
| Pre‑Existing Conditions | Covers acute onset with pre-defined limits | May include acute onset coverage; some plans allow more flexibility |
| Emergency Evacuation/ Repatriation | Covers with pre-defined limits which may not be sufficient | Typically included with higher benefit limits |
| Deductibles | Often fixed, sometimes lower | Varies; can be higher but with broader coverage |
| Cost / Premium | More affordable | Higher premiums due to extensive benefits |
| Out‑of‑Pocket Risk | Higher risk of uncovered expenses | Lower risk because of greater benefit scope |
| Suitable For | Short trips, low‑risk travelers, budget‑focused | Travelers needing solid medical protection, seniors, long stays |
| Claims Flexibility | Limited reimbursement options | More flexible & comprehensive claim coverage |
| Best For | Those willing to accept limited protection for a lower price | Those who need strong protection against unexpected medical costs |
How Does Visitor Insurance Pay for Medical Care?
When you need medical care in the US, your medical bill may be handled through direct billing (cashless) or reimbursement, depending on the provider, network and terms of your insurance plan.
When you must visit a provider for an illness/injury:
- Find an in-network provider through your plan's PPO network.
- Show your insurance ID card and identification when you arrive.
- The provider verifies your coverage and bills the insurance company directly.
- You may still have out-of-pocket costs, such as your deductible, copay, coinsurance, or expenses that are not covered by your plan.
- The insurance company processes the claim according to your policy benefits.
If you visit and receive care from a provider that is not in-network or does not bill the insurance company directly:
- Receive medical treatment.
- Pay the provider if payment is required at the time of service.
- Keep your documentation, including itemized bills, receipts, and medical records.
- Submit a claim to the insurance company with the required documents.
- The insurer reviews the claim and reimburses eligible expenses according to the terms of your plan.
On all visitor insurance plans, Pharmacies are always out-of- network and work on a reimbursement basis. At the pharmacy,
- Fill your prescription
- Pay the pharmacy the cost of the prescription
- Keep your documentation, including bills, receipts, and medical records.
- Submit a claim to the insurance company with the required documents.
- The insurer reviews the claim and reimburses eligible expenses according to the terms of your plan.
- Cashless or direct billing does not mean that medical care is free. You will still be responsible for your deductible, copay, coinsurance, non-covered services or other expenses required under your policy.
- Direct billing also depends on the provider accepting the applicable insurance plan or PPO network. Always confirm the provider's network participation before receiving non-emergency care.
- Check the PPO network: Make sure the provider participates in your plan network.
- Call the provider first: Ask whether they accept and bill your specific visitor insurance plan or applicable PPO network.
- Carry your ID card: Keep your insurance ID card and identification with you when seeking care.
- Ask about your out-of-pocket costs: Your deductible, copay, coinsurance and non-covered expenses may still apply.
- Keep your paperwork: If you pay for care yourself, keep your itemized bills, receipts and medical records for your claim. Submit claim online through portal or mail the claim documents.
Direct billing, network access and reimbursement procedures vary by insurance plan and provider. Always review your policy documents for specific benefits, exclusions, and claim requirements.
Featured In
Trusted US Visitor Insurance Reviews
Rohan Athavale
Great customer service, Pallavi (the representative I talked to) had very clear answers to all the questions I had which vastly helped me choose the right plan for my parents. Highly recommend Visitor Guard when you are choosing your policy!
Mitul Karia
I had called them to inquire about my parents’ insurance and coverage in United States, Pallavi was very helpful and went above and beyond to walk me through different options. I would highly recommend them.
Linda Wood
I recently was shopping for Travel Health Insurance and had the good fortune to speak with Pallavi at Visitorguard. I had never purchased Travel Health Insurance before and needed to educate myself with all the options. Thankfully Pallavi was very informative, professional and patient as she guided me through the different plans. I sincerely appreciate the guidance and support with this important decision. Thank you!
Nita & Mathew Alexander
I have purchased insurance for my parents and in-laws a few times now. Visitorguard.com is the best site for health insurance for their short visits to US. You get exceptional customer service from staff who are knowledgable and will give good advise on how to choose the plan that will best fit your needs and your budget. The site provides a wealth of information and an easy comparision table to compare the different plans to help select the best option that meets your needs.
Rupali Pendse
Highly recommend purchasing visitors insurance from VisitorGuard. VisitorGuard insurance has protected my children when they went to Europe for vacation and internships as well as when my parents visit the USA for a couple of months. The staff is very knowledgeable, patient with all my questions, available 24 x 7 in guiding you to purchase the best insurance protection for you.
Five Stars all the way!
Anupama V Sarma
Have bought visitor insurance for my family’ trips to the US. The VisitorGaurd website makes it easy to compare various plans – their costs & benefits. The agents are patient, polite, and know the pros and cons of the plans. We have bought Atlas as well Liaison in the past.
Definitely recommend them for all your travel insurance needs!
Hema Havaldar
A wide range of plan choices. Very courteous and knowledgeable. I bought the Atlas America plan. We especially liked the acute on-set of preexisting benefit and the 100% coverage after deductible if you go to a doctor in the network. The application process was easy. I received the confirmation right away and was able to download and print the documents including the ID Cards.
Anand Annamalai
I just bought insurance from visitorguard and the experience has been amazing. The website is intuitive, has a lot of articles that explain the nuances of visitor insurance, simple to use navigation that walks you through the process, and within a few clicks I could buy the insurance. It allows to choose for the right coverage and deductible that suits your need and I highly recommend it.
Aashish Jain
I highly recommend Visitor Guard. The web experience is easy to use and there is lots of useful information for insurance newbies like me. I was able to get personalized advice on which policy has specific COVID coverage which made the process of shopping for insurance for my mom super easy. Very thankful to the team for an outstanding experience.
Frequently Asked Questions About Visitor Insurance
Comprehensive plans pay a percentage of eligible medical expenses after the deductible, up to the policy maximum, and generally offer PPO network discounts. Fixed-benefit plans pay a predetermined dollar amount for each covered service, typically have lower premiums, and generally do not provide PPO network discounts. Prescription medications for both plan types may require payment upfront and reimbursement, depending on the policy.
No, Visitor insurance is generally not required by U.S. federal law for every visitor, but having medical coverage is strongly recommended because healthcare costs in the USA can be high. Certain visas,and programs, such as the J-1 exchange visitors, may have specific insurance required by the U.S. Department of State to maintain specific levels of health insurance coverage throughout their stay.
USA visitor insurance can start at under $1 per day for basic, limited-benefit plans. The cost depends mainly on the traveler’s age, length of the trip, policy maximum, deductible, and type of plan. For example, for a 50-year-old traveling to the USA for 30 days, comprehensive coverage may cost approximately $110–$135 per month, while fixed-benefit plans may range from $27–$47 per month, depending on the selected policy maximum and deductible. Older travelers, longer trips, higher policy maximums, lower deductibles, and more comprehensive coverage generally result in higher premiums.
Yes. Visitor insurance is available for elderly parents and seniors traveling to the USA, with many plans offering coverage up to age 89+. Depending on the plan, coverage typically includes doctor visits, urgent care, emergency hospitalization, and prescription medications for new illness or injuries. Select plans also provide limited coverage for the acute onset of pre-existing conditions, subject to age limits, exclusions, and policy terms. For older travelers, benefits, eligibility, and coverage for pre-existing or age-related conditions vary by plan.
Most visitor insurance plans exclude routine treatment for pre-existing conditions, but some provide limited coverage for the acute onset of a pre-existing condition typically defined as a sudden, unexpected recurrence requiring immediate medical attention. Coverage varies by plan, including differences between chronic and non-chronic conditions.
Visitor Guard® plans utilize top U.S. PPO networks, including UnitedHealthcare, and First Health. Using an in-network doctor or hospital allows care providers to bill the insurance company directly, providing direct, cashless payment processing for eligible claims.
Yes. You can purchase visitor insurance after arriving in the USA. However, existing symptoms or a known medical condition may be excluded as a pre-existing condition, and purchasing a policy after symptoms begin generally does not provide coverage for that existing condition. Some plans may also have waiting periods for new illnesses. While coverage can be purchased after arrival, it is generally best to have insurance in place before leaving your home country to avoid gaps in coverage.
Yes. Most travel medical plans cover prescription medications needed to treat a new, covered illness or injury during the trip. Coverage, copays, and reimbursement requirements vary by plan. Most policies require travelers to pay at the pharmacy and submit the expense for reimbursement.
Both comprehensive and fixed-benefit plans can be renewed if the policy is renewable and renewed before the current policy expires. Extensions can typically be completed online through the insurance portal, and many providers send an extension option to the email address used during enrollment. Depending on the plan and provider, coverage may be extended from a few additional days up to a maximum of 364 days and then more.
At an in-network PPO provider, eligible medical claims may be billed directly to the insurance company. If you pay out-of-pocket, you can typically submit the claim online with the required claim form, itemized bills, receipts, and medical records for reimbursement. Claim procedures vary by plan and provider. Detailed instructions are provided in the Fulfillment documents once you submit the application.