Find the Best Visitor Insurance in the USA

Travel insurance is the best way to protect yourself—and your family—from the physical and financial costs incurred in the event of a medical emergency. Healthcare costs in the United States are higher than anywhere else in the world. An accident or illness could result in massive debt and sub-standard treatment options. Visitor Guard® can match you with the right plans and service, equipping you with the coverage and peace of mind you need and desire for the roads, waters and skies ahead. The U.S. government does not require visitors to have insurance; however, it’s dangerous to visit another country without some form of visitor medical insurance.

Visitor Guard® health insurance for travelers

Visitor Guard® offers dependable and trustworthy travel health insurance for parents from foreign countries and tourists visiting USA. Plans pay for a range of health benefits including hospitalization, doctor visits, prescription drugs and acute on of pre-existing conditions. Choose from Fixed benefit or Comprehensive plans.


With visitor insurance, you’ll only have to pay the deductible. You can choose between a fixed benefit plan or a comprehensive policy.

Doctor Visits

If you need to visit the doctor while you’re visiting another country, visitor insurance will help cover the brunt of the costs.


Some visitor insurance policies offer dental plans in case of injury to teeth or in case of an emergency dental visit because of pain.


If you need blood work, x-rays, MRIs or any other diagnostic procedure, visitor insurance will help cover some of the costs.


There might be a time where you need a prescription while you’re in a foreign country. Prescription benefits can help cover the costs of expensive medicine.


If you have an acute onset of a pre-existing condition, having this coverage will be necessary to keep your treatments affordable.

Do You Need the Best Visitor Insurance in the USA?

Sometimes only the best will do. But the search for visitor insurance can seem daunting. What coverage do you need? Can you enter the USA without travel insurance?  Much like the options, the questions can seem endless. But first, let’s explore the value of health insurance for visitors to the USA. Do you need comprehensive coverage? Start by answering this simple set of questions:

  • Are you traveling to a destination that could be affected by severe weather?
  • Will you be taking public transportation or participating in outdoor activities like hiking or skiing?
  • In the case of a medical emergency, could you pay thousands of dollars in out-of-pocket costs?
  • Would you and your family members enjoy a little more peace of mind if you purchase coverage?

If you answered yes to any of the questions, you should start looking for the best visitor insurance in the USA.

You might be wondering, what is visitor insurance? It’s a type of short-term medical coverage that covers injuries and illnesses that may occur while visiting a foreign country. These policies cover all qualified expenses, such as hospitalization, surgery, lab work, prescription drugs, x-rays, doctor’s appointments, urgent care visits and more. Pre-existing conditions, preventative care procedures, annual check-ups, cosmetic surgeries and other non-emergency medical care.  Most visitor insurance policies do not cover travel delays, trip cancellations, dental or vision. However, some plans do. Make sure to go over the details carefully before purchasing a plan. Call 804-325-1385 to speak with a member of our customer service team. We will be happy to assist you in finding the perfect plan for your travel needs.

Visitor travel Insurance

Benefits from the time you leave your country for hospitalization, ambulance, evacuation prescription drugs and acute onset of a pre-existing condition. No medical examinations required; Confirmations including ID Cards received immediately. Easy online application.
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Comparing the Best Health Insurance for Visitors to the USA 

When searching for the best travel insurance in the USA, it’s important to purchase from a trusted company. Visitor Guard offers the best value for visitors to the USA. We offer a range of plans to fit your needs. Before choosing a plan, you should consider whether you want to purchase a limited benefit plan or a comprehensive plan.

Here’s a breakdown of the two major types:

Limited Benefit Plans

Also known as fixed coverage plans, limited benefit coverage requires the policyholder to pay fixed costs on every procedure. For example, a doctor’s visit may cost $55 and an emergency room visit may cost $350. If you need to have surgery, you have to pay the difference between the fixed amount and the actual cost. Limited benefit visitor insurance plans are low cost and limited in the amount of coverage they provide. If you are young and healthy, such plans may make sense for short trips. Visitor insurance plans do not cover pre-existing conditions; however, many plans will cover the sudden outbreak or recurrence of a previously diagnosed condition. This is referred to as acute onset. The coverage will vary between plans.

Comprehensive Plans

Comprehensive plans provide extensive coverage. In general, you will pay the deductible and the insurance company will take care of 80% of the first $5,000 of expenses. After $5,000, the standard comprehensive plan will pay 100% up to your chosen policy maximum. 

Your premium rates of a policy depend on several factors, including age, policy maximum and deductible. To guarantee a fair quote, be sure to fill out online forms as accurately as possible.

The Best Travel Insurance for USA Visitors 

The best visitor insurance in the USA covers emergency medical care and emergency medical transportation. You don’t want to be paying out-of-pocket for such expenses, especially in the United States. When you are looking at different plans, you will want to secure at least $50,000 in emergency medical care coverage.

While you may be covered on your regular insurance plan, you will have a much easier time filing claims and finding care if you purchase a plan in the United States. Plus, you will have easy access to customer service. And, if you need to refund your plan, most U.S. insurance companies make it easy to do so.

Below we’ve outlined two popular plans, one limited coverage plan and one comprehensive plan.

Patriot America Plus

Patriot is a comprehensive health insurance plan for visitors to the USA. Its policies feature maximums between $50,000 and $500,000, with deductibles ranging from $0 to $2,500. Patriot America Plus can be purchased online or by telephone.

Patriot America Plus plans are good for up to two years, and as few as five days. The plan covers repatriation, evacuation and most medical expenses. Additionally, it covers the acute onset of a pre-existing medical condition (some age restrictions apply in certain policies). A full listing of healthcare network providers is available on their site.

Visitors Care

Visitors Care is a fixed limited (fixed benefits) plan offering maximums of $25,000, $50,000 and $100,00. You can choose between deductibles of $0, $50 or $100. Notoriously flexible, Visitors care plans are renewable for up to 24 months. Visitors Care policies include medical expenses, emergency evacuation and repatriation. The insurance company will not cover pre-existing conditions that existed within the three-year period before coverage began.

Here are three other top plans to consider:

We welcome you to shop around. With Visitor Guard®, you can find the perfect plan in minutes. Simply fill out the form at the top of this page to get started. Or call 804-325-1385 and a member of our team will walk you through the different plans and purchase options, including student travel insurance.

Safe (and insured) travels!