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What is the best health insurance for visitors to USA?

best health insurance for visitors to USA

What is the best health insurance for visitors to USA?

Visiting the US can be one of the most exciting trips ever, but the ongoing pandemic can put you under a lot of stress. Moreover, the healthcare system abroad is expensive and can leave you in debt if you aren’t financially prepared. So, what’s the solution? Get the best health insurance for visitors to USA.

Are you wondering which are the best plans for visitors in the US? Though there are comprehensive and limited benefits plans, choosing a policy is a personal choice. The comprehensive plans offer better protection, while the limited plans come with sub-limits. Let’s look at some of the best health insurance policies.

Safe Travel USA Comprehensive

Safe Travel USA Comprehensive is a comprehensive policy that provides coverage for medical treatment, emergency evacuation, accidents and illnesses, political evacuation, trip delay and  repatriation of remains, and more. The plan is available for  non-US citizenstravelling to the US.

The plan highlights:

  • Insurance for medical accidents and sickness up to $1,000,000
  • COVID-19 is covered and treated as any other sickness
  • $125 doctor wellness visit benefit 
  • One episode for an acute onset of a pre-existing medical condition 
  • In network, deductible and co-insurance waived
  • Coverage from 5 days to 364 days 
  • Extendable with uninterrupted coverage for up to 24 consecutive months 
  • Optional coverage for athletic sports, return to home, and AD&D

Patriot America Plus

If you’re a non-US resident seeking temporary medical coverage in the US, Patriot America Plus is your plan. Available to students, parents, family members, and friends traveling to America for business, education, and leisure purposes. The plan offers coverage for hospitalization, prescription drugs, urgent care, medical evacuation, and more. There is optional coverage is available for adventure sports, evacuation riders, and accidental death and dismemberment.

The plan highlights:

  • Coverage for hospitalization, doctor visits, prescription drugs for individuals, groups, and their dependents
  • $25 co-pay for urgent care
  • Coinsurance waived in-network
  • $15 copay and no deductible in walk-in-clinic
  • Coverage for chiropractic care and physical therapy
  • Coverage for covid-19  as any other illness
  • Coverage for acute onset of a non-chronic pre-existing condition

Atlas America

What is the best health insurance for visitors to USA

Atlas America Plan is yet another plan that is suitable for visitors to the US. Whether you’re a business professional, or a nanny, or an international student, or wish to visit your family in America, you can choose this plan. The plan provides coverage for medical illness, political evacuation, medical evacuation, trip interruption, terrorism, natural disasters, accidental death, and dismemberment.

The plan highlights:

  • Insurance for hospitalization, doctor visits, and prescription drugs for accidents and illnesses up to $2,000,000
  • COVID-19 is covered and treated as any other sickness
  • Coverage for an acute onset of a pre-existing medical condition
  • Co-insurance waived in an in-network hospital
  • Coverage for 5 days to 364 days
  • $15 co-pay for urgent care
  • Optional AD&D, personal liability coverage, crisis response coverage upgrades are available 
  • Emergency Dental for an acute  pain to sound natural teeth

Liaison Travel

Liaison Travel is suitable for both US and non-US citizens for traveling outside the home country. However, US citizens can’t buy this plan for traveling in the US and its territories. The plan comes with three options- Economy, Choice, and Elite. Additional benefits include trip interruption, accidental death and dismemberment, acute onset of a non-chronic pre-existing condition, repatriation, evacuation, athletic sports coverage, and more.

The plan highlights:

  • Coverage from 5 days to 364 days for the Economy and Choice, and up to 1092 days with the Elite.
  • Maximum limits ranging from $50,000 to $5,000,000
  • Deductible options from $0 to $5000
  • Coverage for one episode of an acute onset of pre-existing conditions

Diplomat America

Are you a non-US resident? Do you want to travel to the US for leisure or business purposes? Diplomat America plan is for you! It provides coverage for emergency medical treatments, accidents, evacuation, trip interruption, emergency dental, lost baggage, repatriation of remains, and more.

The plan highlights:

  • Coverage choices ranging from $50,000 to $1,000,000
  • Coverage from 15 days to 365 days
  • Emergency reunion and medical evacuation
  • Optional coverage for athletic sports coverage and hazardous activities
  • There is no PPO network, hence policyholders can go to any healthcare provider

If you’re planning to visit the US to meet your family or for a leisure trip, consider getting a health insurance plan. We, Visitor Guard®, have various comprehensive and fixed benefits plan that can help in saving money on expensive medical bills. Call us to know more!

Also Read: How to use Visitor Health Insurance in the USA?

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