Best Travel Insurance for Visting the US in 2025 

Traveling to the US in 2025 requires careful planning, including securing the right travel insurance. Travel insurance provides crucial financial protection against unexpected events such as medical emergencies, trip interruptions, or lost baggage. For visitors to the US, having adequate travel insurance is especially important due to the inflated cost of healthcare and other potential risks. This guide aims to help travelers navigate the options available and identify the best travel insurance policies for visiting the US this year. 

Table of Contents 

• What is Travel Insurance? 
• The 5 Best Travel Insurance Plans for Visitors 
• Knowing the Travel Insurance Providers 
• Conclusion 

What is Travel Insurance? 

Travel insurance or Visitor insurance is a type of coverage designed to mitigate financial risks associated with travel-related incidents. It typically provides reimbursement or coverage for unforeseen events such as trip interruptions, delays, medical emergencies, evacuation, and loss or theft of belongings. These policies can vary widely in terms of coverage limits, benefits, and exclusions. 

The 5 Best Travel Insurance Plans for Visitors 

1. Venbrook Basic

Venbrook Basic is an affordable travel insurance plan for non-US residents visiting the US or traveling globally. It covers hospitalization, emergency care, prescription drugs, medical evacuation, lost baggage, trip interruption, and more. Available for travelers up to 79 years, it offers optional benefits like sports coverage and accidental death coverage, with plans ranging from 5 to 364 days.

The plan highlights:

• Coverage for up to $1,000,000 in accident and sickness medical expenses.
• The choice of deductibles ranges from $0 to $5,000.
• After deductible, the plan pays 80% up to $10,000, then 100% to the selected policy maximum.
• $200 additional deductible per visit for Emergency Room Visit.
• Covers Prescription Drugs up to Policy Maximum of $50,000 per policy period.
• Coves Dental Treatment and Emergency Eye Exam.
• $2,500 per policy period for Trip Interruption.
• Optional Coverage for Adventure Activities, Sports and AD&D-24 hour.

Cost: For a 45-year-old individual, the premium is approximately $77.70 for a $100,000 policy maximum and a $500 deductible for 30-days coverage.

Provider: Trawick International

2. Venbrook Premier Insurance

Venbrook Premier Insurance is a comprehensive travel medical plan for non-US citizens traveling to the US or worldwide. Coverage includes emergency medical evacuation, repatriation, prescription drugs, COVID-19, trip interruption, and more, with medical limits ranging from $50,000 to $1,000,000. Available for travelers up to age 89, it offers protection for emergencies both in the US and globally.

The plan highlights:

• Choice of deductible ranges from $0 to $5000.
• $200 additional deductible per visit for Emergency Room.
• $300 coverage for Dental Treatment due to an injury or pain to sound natural tooth.
• $150 for Emergency Eye Exam due to an accident.
• $250 for a Well Doctor Visit.
• $10,000 per policy period for Trip Interruption.
• Coverage for Cardiovascular events up to the selected policy maximum per Policy Period for ages up to 64 years.; $25,000 per Policy Period for ages 65 to 69 years. $15,000 per Policy Period for ages 70yrs. and over.
• $25,000 Principal Sum for Insured for AD&D Benefit-24 hours.

Cost: For a 45-year-old individual, the premium is approximately $85.20 for a $100,000 policy maximum and a $500 deductible for 30-days coverage.

Provider: Trawick International

3. Safe Travels USA Comprehensive 

It is an affordable comprehensive visitor insurance plan for US visitors, making it an ideal policy for visitors coming to the US. The plan covers medical and accident expenses, medical evacuation, repatriation, COVID-19, doctor wellness visit, trip interruption, baggage loss, and more. The plan is available until the age of 89 years. It offers coverage from 5 days to 364 days (about 12 months).  

Plan highlights: 

• Choice of five plan limits– $50,000, $100,000, $250,000, $500,000 or $1,000,000 
• 100% co-insurance after deductible. 
• COVID-19 is treated like any other illness. 
• $125 Doctor Wellness Visit Benefit 
• Emergency medical evacuation  up to $2,000,000 
• Medically necessary repatriation up to $15,000 
• Trip Interruption coverage up to $5,000 
• Accidental Death and Dismemberment coverage up to $25,000   
• Mental/Nervous disorder up to $2,500 
• Emergency medical treatment of pregnancy up to $1,000 
• Dental treatment up to $250 for injury or pain to a sound natural tooth 
• Optional Athletic Sports coverage, Home country coverage, and 24-hour AD&D 

Cost: For a 45-year-old individual, the premium is approximately $85 for a $100,000 policy maximum and a $500 deductible for 31-days coverage. 

Provider: Trawick International 

4. Patriot America Plus 

This is yet another best seller comprehensive visitor insurance plan ideal for parents, family or friends visiting the US from their home country. It offers benefits such as hospitalization, prescription drugs, and urgent care visits. Additional benefits include acute onset of non-chronic pre-existing conditions as well as AD&D, Trip Interruption, Repatriation, Evacuation, and more. It is available for individuals14 days (about 2 weeks) to 99 years and can be purchased from 5 days to 12 months and then renewed up to 2 years.  

Plan highlights: 

• Choice of plan limits $50,000, $100,000, $500,000, and $1 million. 
• Choice of deductibles- $0, $100, $250, $500, $1,000 or $2,500 
• $25 copay for urgent care and $15 copay for walk-in clinic 
• Coinsurance is waived in-network. 
• Prescription drugs and medicines up to the maximum limit. 
• Emergency medical evacuation up to $1,000,000 
• Accidental Death and Dismemberment up to $50,000 
• Optional riders are available for Adventure Sports (for ages up to 65 years), Enhanced AD&D (for individuals only), Evacuation Plus and Chaperone/Faculty Leader (for groups only). 
• Dental Treatment to sound natural teeth up to $300 or up to the chosen policy maximum for traumatic dental injury. 

Cost: For a 45-year-old individual, the premium is approximately $87 for a $100,000 policy maximum and a $500 deductible for 31-days coverage. 

Provider: International Medical Group (IMG) 

5. Visit USA  

This is a comprehensive visitor insurance plan that offers 3 categories of policies to the travelers- Budget Plan, Standard Plan, and Superior Plan. It offers coverage for accident and sickness medical expenses, emergency medical evacuation, repatriation of remains, emergency reunion, emergency travel assistance, and more. The plan is eligible for individuals aged from 14 days (about 2 weeks) to 80 years and above. Some plans cover up to 69 years (Plan B for both Budget and Standard plan). It can be purchased from 5 days to 364 days (about 12 months).  

Plan highlights: 

• Choice of plans- Budget Plan (Plan A and B), Standard Plan (Plan A and B), and Superior Plan (Plan A and B), 
• Choice of policy maximum- $50,000, $75,000, $150,000, $200,000, and $250,000 
• Choice of deductibles- $0, $50, $100, $250, $500, and $1000 
• $50 co-payment for Urgent Care Visits (waived with a $0 deductible) with the Standard and Superior Plan 
• Emergency medical evacuation of $100,000 on the Budget plan, $250,000 on the Standard plan and up to $500,000 on the Superior plan. 
• Emergency reunion up to $15,000, and COVID-19 coverage is included for all categories of plans. 
• Medical Evacuation up to $250,000 lifetime maximum 
• Repatriation up to $50,000 or $5,000 for cremation or burial 
• Pregnancy complications up to the first 26 weeks (about 6 months) 
• Dental accidents up to $1,000 

Cost: For a 45-year-old individual, the premium is approximately $87 for a $200,000 policy maximum and a $500 deductible for 31-days coverage. 

Provider: WorldTrips 

6. Visitors Care 

This is a fixed benefit plan offering coverage for medical expenses for injuries and illnesses including hospitalization, surgery, physician visits, and prescriptions with pre-defined limits. Evacuation as well as Repatriation coverage is included. It offers coverage for travelers up to 99 years old for 5 days to 2 years.  

Plan highlights: 

• It offers 3 categories of policies- Lite, Plus, and Platinum.  
• It has three plan levels- $25,000 per illness/injury (Lite), $50,000 per illness/injury (Plus), and $100,000 per illness/injury (Platinum) 
• Choice of deductible options- $0, $50, $100 
• $25,000 max per coverage period for an acute onset of pre-existing conditions (subject to sub-limits) below the age of 70 years. 
• COVID-19 coverage inside the US 
• $40 per visit for Physical therapy 
• Doctor visits up to $85 max per visit (on the Platinum plan) (30 max visits per period of coverage) 
• Prescription drugs $250 max per period of coverage 
• Dental accidents up to $550 
• Medical Evacuation up to $50,000 

Cost: For a 45-year-old individual, the premium is approximately $43 for a $100,000 policy maximum and a $100 deductible for 31-days coverage. 

Provider: International Medical Group (IMG) 

7. Safe Travels Elite  

This is yet another fixed benefit plan available to US visitors. It offers coverage for in-patient and out-patient coverage for medical illnesses and accidents with sub-limits. Acute on-set of pre-existing conditions, well doctor visit, emergency medical evacuation, repatriation of remains, and more are also covered. The plan is available from ages 14 days (about 2 weeks) to 89 years with duration from 5 days to 364 days (about 12 months). 

Plan highlights: 

• Choice of policy maximum- $25,000, $50,000, $75,000, $100,000, and $175,000 
• $125 for Well Doctor Visit within the first 21 days (about 3 weeks) from the effective date of coverage 
• Covers one Acute Onset episode of a Pre-Existing condition. 
• COVID-19 covered as any other illness. 
• Doctor Visits, $100 per visit (1 visit per day, 30 visits per injury sickness) on the $100,000 policy maximum plan. 
• Prescription drugs, $350 per injury sickness on the $100,000 policy maximum plan. 
• Dental accidents, $750 max on the $100,000 policy maximum plan. 
• Medical Evacuation coverage starts at $100,000 per policy period and varies per plan.  
• Ambulance $500 per injury sickness and varies per chosen plan. 

Cost: For a 45-year-old individual, the premium is approximately $51 for a $100,000 policy maximum and a $0 deductible for 31-days coverage. 

Provider: Trawick International 

Knowing the Travel Insurance Providers 

1. Trawick International 

Trawick International® stands as a prominent provider of travel insurance in the US, offering a diverse range of insurance plans catering to various needs. Established in 1998, the company boasts extensive experience in delivering insurance solutions worldwide. Its offerings include visitor medical insurance, trip protection and cancellation insurance, international travel medical insurance, and international student insurance plans, serving tourists, businesses, scholars, groups, and other international travelers. 

Some of the Trawick International plans are Safe Travel USA Comprehensive, Safe Travel Elite, Safe Travel International Cost Saver, Safe Travel International, and Safe Travel USA. 

3. International Medical Group (IMG) 

International Medical Group (IMG) offers a comprehensive selection of plans tailored to safeguard visitors to the US. Whether traveling for business or leisure, these plans provide essential coverage in the event of illness or injury. With IMG travel insurance, vacationers, business travelers, students, overseas relatives, and adventurers alike can find peace of mind knowing they are protected. 

Some of the IMG plans are Visitors Care, Patriot America, Patriot America Plus, Patriot International, Visitors Protect, Patriot Exchange, and Student Health Advantage. 

3. WorldTrips 

Founded in 1998, WorldTrips pioneered online accessibility to insurance plans, marking a significant milestone in the industry. As part of the Tokio Marine HCC group, it delivers an extensive array of travel, medical, and trip cancellation insurance options for individuals, families, groups, and corporations worldwide. Their insurance plans offer access to quality healthcare, expert guidance, and round-the-clock emergency travel assistance. 

Some of the WorldTrips plans are Atlas America, Visit USA, Visitors Protect, Student Secure, and more. 

Conclusion 

When considering the best travel insurance for visiting the US in 2024, it is essential to prioritize comprehensive coverage, reliability, and excellent customer service. Several reputable insurance providers, such as Trawick International®, International Medical Group (IMG), and WorldTrips, offer a range of plans tailored to meet diverse traveler needs. By assessing factors like coverage options, policy limits, and customer reviews, travelers can make informed decisions to ensure they have adequate protection during their visit to the US. 

For more information, feel free to contact Visitor Guard®.