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Health insurance for foreigners and non-citizens in the USA. [2024 Guide]

At Visitor Guard®, we provide health insurance for foreigners in the USA. Not just that, We also offer visitor health insurance for parents of foreigners in the USA relatives who are visiting the USA. We also sell student travel insurance policies for students from other countries who travel to the USA for higher studies. Get affordable health insurance for nonresidents in the USA.

Visitor Guard® has curated a broad spectrum of visitor health insurance policies that cover any foreign national's medical expenses while visiting the USA. Visitor Guard® offers the best and most affordable health insurance for non-residents in the USA that goes well with their needs & travel schedule.

This medical insurance for foreigners in the USA will really come in handy for the people visiting as well as the ones hosting them as this will avoid a lot of unforeseen expenses that may happen if they were to fall ill or in case of any other medical issues. Fill out the form on this page to get free quotes on our health insurance for foreigners in the USA and choose the one that will suit your needs and budget the best.

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Comprehensive Health Insurance Plans for Foreigners in the USA

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Safe Travel 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
Quotes & Purchase
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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
Quotes & Purchase
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Atlas America

$79 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $5,000
  • 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 364 days
  • Brochure
Quotes & Purchase
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Patriot America

$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 $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
Quotes & Purchase
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Patriot Platinum

$167 / mo For age 45 year with $2 million plan and $250 deductible
  • Plan maximum limits ranging from $1 million to $8 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
Quotes & Purchase

Limited Benefits Health Insurance Plans for USA for Foreigners

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Visitors Care Insurance

$31 / mo For age 45 year with $50,000 plan and $100 deductible
  • Plan maximum limits ranging from $25,000 to $100,000
  • Deductible options of $0, $50, $100 (varies by age)
  • 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
Quotes & Purchase
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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
Quotes & Purchase
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Best Health Insurance for Foreigners in USA

 

Advantages of Health Insurance for Foreigners in the USA

Living in the US can be a whole new experience. There are various advantages of getting insured before visiting the country, such as:

  • Total protectionHealth insurance for foreigners covers medical and hospital bills, which are otherwise exorbitant in the US.
  • Covers family- The insurance plans can offer family coverage to travelers who are non-US citizens visiting family in the US. Covers international students- Studying in the US can be expensive, but bearing the medical costs can be over the odds. Health insurance plans can protect you.
  • Medical evacuationHealth insurance for foreign nationals safeguards you from unfortunate events and provides you with transportation to the nearest qualified medical facility in case of medical assistance.
  • Offers adventure sports coverage- Any injuries and accidents caused by taking part in a covered extreme sport can be taken care of by the health insurance policies.

Why choose us for Health Insurance for Foreigners in the USA?

  • A wide range of plans- Visitor Guard® has different health insurance for non-residents in the USA. Whether you’re a student or a visitor, you can find affordable plans as per your requirements.
  • Quick assistance- Our teams work 24/7, hence you can reach our team whenever you want. We are happy to answer your questions and resolve your queries.
  • Right guidance- As we have various health insurance plans for visitors, families, and students, we make sure that you buy an apt one.
  • Best rates- We offer the best plans at the best rates in the market. Individuals can choose the one that fits their budget.
  • Secured purchase- We respect your privacy and keep your purchases secure.

Best Health Insurance Plans for Foreigners in the USA

1. Safe Travel USA Comprehensive

Safe Travel USA Comprehensive is the best health insurance for foreigners in USA, it provides medical coverage to individuals and families traveling to the USA from other countries. It covers the acute onset of pre-existing diseases within a predetermined limit. Within the PPO network, the plan covers up to 100% of the policy maximum for injuries or illnesses covered in the plan.

2. Atlas America Insurance

 It is known for its perfect mix of flexibility and dependability. This plan offers a wide range of deductibles from $0 to $ 5,000 and policy maximums ranging from $50,000 to $2,000,000. So you get to choose the exact amounts that you need and are comfortable with. Atlas America Insurance also offers the acute onset of pre-existing conditions. You can ask for a refund or renew a plan if the traveling plan changes. It covers a large range of medical needs- including emergency medical evacuation, adventure sports, an act of evacuation, etc.  

3. Patriot America Plus 

This policy offers up to 100% policy maximum for the acute onset of pre-existing conditions like the previous 2 plans. You can choose a policy maximum from $50,000 to $500,000. It provides the best support and service and is flexible to provide returns in case unforeseen changes of planning occur while traveling. Patriot America Plus is one of the most-rated and best-selling plans in this category.

Health Insurance for Non-Residents and Immigrants in the USA

Medical care in the US is high, and not everyone can afford it, especially when you come to this country as a visitor. Moreover, only a fraction of the population receives public healthcare, which is why citizens and residents opt for healthcare insurance in the US. Retired individuals receive the federal Medicare program, whereas the Medicaid program is meant for lower-income citizens.

When foreigners travel to America for short stays, work, leisure travel, study, and more, they need to purchase health insurance that can cover them in the US even if they have a plan to cover them in their home country. They clearly don’t fall under the federal Medicare and Medicaid program.

Your sponsorship organization, college/universities, and employer can offer you medical coverage, but that may not be enough for you in case of emergencies. Hence, immigrants and non-residents need to get international health insurance for foreigners that can shield them during emergencies.

The immigrants need to show proof of health insurance plans covered by a reputable provider. The policy must cover within 30 days of entering the US unless you have enough cash for all the treatments.

health insurance for non residents in usa

How much health insurance coverage is needed for foreigners in the USA?

Living or visiting the US is a whole new ballgame for most foreigners. However, one of the biggest challenges anyone can face is the complex healthcare system. For this, it is recommended that foreigners purchase a health insurance policy that can save them from extreme financial losses during medical emergencies.

From limited or fixed to comprehensive plans, people can find many options in the market. Nevertheless, buying a policy is a personal decision for many; however, the rewards are associated with purchasing a plan. So, if you are wondering how much you should be paying for medical coverage, the answer lies within you.

Generally, a few factors determine the cost of coverage, like the length of stay in the US, your age, deductible, and policy maximum. But these factors are overruled if you are willing to take health risks in a foreign land. If paying out-of-pocket medical expenses does not concern you, you can go forward with a limited coverage policy.

To make things simpler, here are some points for you to consider.

  • Policy maximum starts from $50,000  to a maximum of $8 million per person.
  • If you will be to staying for a week or a month, you may go ahead with $50,000 to $100,000 medical coverage.
  • If the stay is for 3 months, you can purchase a plan worth $100,000 to $500,000. 
  • If the stay increases 3 months but less than a year, $250,000 medical coverage might be satisfactory.
  • For a year or more extended stay in the US, getting $5 -8million coverage per year is suggested. If you live with family or senior members, always get more coverage.
  • If you plan to stay in the US for several years or forever, get a plan with unlimited coverage.

It really depends on what illness/injury might occur and what you will be treated for, that will determine the amount of coverage you would need. A $50,000 plan might be enough for a flu but not be enough for hospitalization for a heart attack. No matter how long you plan to stay in the country, ensure that, you have plans with adequate coverage that can protect you throughout your stay. Owing to the expensive medical treatment in the US, an insurance policy may give you the comfort and peace of mind that you deserve.

Can you get health insurance if you are not a US citizen? 

You do not need to be a US citizen to purchase a health insurance policy. If you are a foreigner and not a lawfully American citizen/resident or a green card holder, you are not eligible to buy a health plan from the Marketplace. Qualified immigrants may be eligible for medical coverage under Medicaid and Children’s Health Insurance Program (CHIP), but that completely depends on the income and residency rules of each state. 

However, you can get an insurance policy during your temporary visit to the US from an insurance provider, like us. Visitor Guard® has different comprehensive visitor insurance plans for travelers coming for a leisure stay, students who are in J1 or F1 visas arriving to pursue education, parents and relatives arriving to meet their families, business travelers, group employees, and even green cardholders. 

Non-immigrant Health Insurance USA

Health insurance policies are recommended for all foreigners who travel to the US. Non-immigrants are visitors who come to the US for a temporary stay. They can visit their families, take a leisure holiday, or attend a business conference. No matter the reason, medical insurance plans come in handy because this can avoid many unforeseen medical expenses in the event of sickness.

You are considered a visitor when you have a non-immigrant status in the US. Visitors cannot access domestic plans or government-sponsored programs. However, they can buy plans from private insurance providers, like us, Visitor Guard®. There are numerous comprehensive and fixed-benefit plans suited for every category of travelers.

Non-immigrant-Health-Insurance-USA
How much insurance coverage is needed for a foreigner in the USA

How much insurance coverage is needed for a foreigner in the USA?

Healthcare cost in the US varies by sickness, procedure, and facility. For instance, the cost of removing kidney stones will cost you higher than getting treated for mild viral fever. Nevertheless, the medical bills for any treatment can be expensive. This is where your choice of policy will play a vital role.

  • It is very difficult to say how much coverage is needed.  However, you can consider the following factors to  determine the amount of coverage you might need in the US. How long will you be staying in the US?
  • Do you have any medical condition?
  • What is your age?
  • Do you want optional coverage?
  • What is the nature of your stay in the US?
  • Do you wish to take part in extreme sports?

Foreigners buying a policy in the US is completely their personal choice. It depends on how much risk they are willing to take and how much they are willing to pay based on their health conditions, nature of stay, duration of stay, and more. Policy maximums start as little as $50,0000 and go up to $5 million. To know in detail what suits you the best, contact Visitor Guard®.

Health Insurance for Foreign Nationals in USA - Cost

Health Insurance for Foreign Nationals is a type of insurance policy which provide coverage to the foreign nationals visiting the US. Buy affordable insurance for foreign nationalities in USA from our various ranges of plans available. The cost of health insurance for foreign nationals greatly varies. The comprehensive plans include Safe Travels USA Comprehensive, Patriot Travel, and Atlas Travel. In contrast, the limited plans include Visitor Care Insurance, and Safe Travel Limited Benefits.

The latter plans are less expensive than the former ones, but definitely, they will not give the coverage that you can expect from the comprehensive plans. There are different choices of plans. The higher the coverage you choose, the higher is the premium.

For instance, Safe Travels USA Comprehensive covers acute-onset of pre-existing conditions up to a predetermined limit, while Atlas America covers adventure sports. Hence, the premium will vary based on what you opt for.

Safe Travel USA Comprehensive and Patriot Travel have plan maximum limits ranging from $50,000 to $1 million with a $69 and $71 premium for a 45-year-old individual.

Atlas America plans maximum limits are $50,000 to $2 million with an $80 premium for a 45-year old individual, and Patriot Platinum offers $1 million to $8 million with a $142 premium for a 45-year old individual.

The limited plans are cheaper. The Visitor Care Insurance and Safe Travel Benefits plan maximum limits range from $25,000 to $100,000 with a $30 premium each for a 45-year old individual.

Factors-that-affect-the-price-of-health-insurance-for-foreigners

Sometimes, policyholders add rider options that cost them a higher premium. In short, the price of your insurance depends on the coverage, trip days, policy maximum, age of the traveler, and the points mentioned above.

Know about Health Insurance for Foreigners in the USA and the ACA Penalty 

The Affordable Care Act (ACA), also known as Obamacare, was launched by President Obama a decade back. The aim is to make sure all US citizens and residents have access to quality and reasonable health insurance in the US.

The visitors to the US are not eligible for Obamacare as they are not residents of the US and they don’t file tax returns in the US. They are exempt from any penalty. However, individuals with non-immigrant status, including worker visas (such as H1, H-2A, H-2B), student visas, U-visa, T-visa, and other visas can apply for ACA status.

Since 2019, there is no shared responsibility  (penalty) for uninsured individuals, however, there are some states in the country where penalties still apply for the uninsured. Some of the states that have implemented their own mandate and penalties are Massachusetts, California, New Jersey, Rhode Island, and Washington D.C.

Affordable Care Act
Health Insurance Coverage for Non-US Citizens in the USA

Health Insurance Coverage for Non-US Citizens in the USA

If you are an expatriate living in America, it’s wise to get health insurance for non-residents in the USA that can cover you throughout your stay. Always make sure that the policy covers medical evacuation, emergencies, sudden repatriation, accidents, dental, and more.

If you wish to stay in this country for a year, make sure that the plan covers everything that you may need for a year. If you need to stay for a few months, you can choose some basic plans, covering illnesses, injuries, accidents, and doctor visits.

Are you confused about what to choose and what not to? We are here to help. Visitor Guard® has some of the best plans for health insurance for foreigners, suitable for immigrants, students, travelers, au pairs, professors, and more.

Health Insurance for Foreigners - FAQs

Yes, foreigners can definitely buy health insurance in USA. In fact, you must opt for one, as traveling to another country has risks of getting ill and causing unexpected medical expenses. And also, it is best to carry health insurance with you. With our health insurance for foreigners in the USA, you can get coverage for medical expenses.

The cost of health insurance for foreigners varies as per the plan, your age, number of days you need coverage, the policy maximum and deductible amount you opt for. You will find plans with premiums as low as $30 per month to as high as $142 per month for a 45 year old. As the range goes high the coverage of medical expenses also gets widened. There are two different types of plans – Limited Benefit and Comprehensive.

You don’t need to be a US citizen to get health insurance. There are various category of plans for US citizens, Green Card Holders and residents, international students, and visitors to the US.  To be eligible for the domestic plans like the Blue Cross Blue Shield, Aetna, Cigna etc.  you will need lawful proof showing you are a US citizens, permanent resident of the USA or a green cardholder, Work visa, Refugee, Student Visa lawful temporary resident of the country. Temporary visitors to the US who cannot provide proof can consider the health insurance plans for foreigners on this page.

Yes, of course, foreigners can also buy health insurance under Obamacare. The plan was launched by the then President Obama to combat the constantly rising healthcare costs in March 2010. You don’t need to be a US citizen to buy Obamacare but you need to be a green card holder or a lawful permanent resident.

Yes, tourists can get health insurance in the USA. In fact, as a tourist, you should buy health insurance to cope with the rising healthcare costs. Being in another country, there are high chances that you get infected with bacteria or catch an illness. A tourist health insurance will help you to cover those expenses.

It is very difficult to say how much coverage is enough as it would depend on the treatment received. A foreigner who is traveling to the USA for some work or any purpose for the period of 1 to 3 months can consider getting insurance coverage of between $100,000 to $500,000. If the time exceeds more than that you must at least opt for the coverage of $250,000.

Yes, non-immigrant status can get insurance from private companies. These plans may not provide coverage like domestic plans but will surely keep you financially safe during your trip to the US. Depending on your chosen plan, you will receive coverage for medical bills, hospital charges, prescription drugs, medical evacuation, COVID-19 treatment, repatriation, AD&D (Accidental Death & Dismemberment), and more. Check the brochure to know what your plan covers and what it does not.

Well, health insurance isn’t mandatory in the USA as of 2019. However, it would include a financial risk if you don’t get covered. Healthcare costs in the USA are very high, traveling there can cause unexpected medical expenses which will ultimately be heavy on your pocket. We would recommend getting health insurance before traveling to the USA.

The best health insurance for foreigners in USA is the one that has the highest medical expenses coverage, including some coverage for acute onset of pre-existing conditions and COVID-19 too. Most of the plans we offer will fulfill your needs.

But, to name a few of the best ones they are:  Safe Travels USA Comprehensive, Patriot America Plus, Atlas America and Patriot Platinum.

Yes, you can get health insurance even if you are a non US citizen. If you are a Green Card holder or a resident or on a work visa you can get the domestic plans if you can show proof ( Social Security number). If you a visitor to the US you can consider the health insurance for foreigners in USA on this page.

Yes, even expats need US health insurance. Moving or traveling to the USA needs insurance coverage given the high healthcare costs. If you have US health insurance, you will be able to avoid financial ruin and access medical help whenever needed. Having an insurance will help to get the treatment in the best hospital in the country in the event of an illness or injury.

 

No. Visitor insurance does not cover general ENT check-ups. The plans cover new complications, illnesses, or wounds that can occur during your travel. These plans will not cover regular check-ups, doctor follow-ups, and prescriptions. If Depending on the plan you have, if you need medical attention for something new that happens while already traveling the plan can offer coverage. However, to know what your plan covers, do check the brochure.

Yes, you can buy plans for senior foreigners who are 75 years of age. However, make sure you buy a plan that meets their medical and travel requirements. Senior travelers need to pay higher premiums for health insurance because of the health risk associated with them. Furthermore, these plans offer limited policy maximum options and limited acute onset of pre-existing coverage. It is good practice to check the policy brochure before going ahead.

Many international student plans can cover maternity and pregnancy. However, some health insurance plans for visitors include some coverage for complications in pregnancy up to 26 weeks. Visitor plans for foreigners coming to the US typically exclude maternity, pregnancy, abortion, delivery, and coverage linked to pregnancy. If you are pregnant and wish to visit the US, depending on your plan, it can cover complications as defined by the plan that may occur during travel.  You must bear all the medical costs if your plan excludes maternity and pregnancy.

It is always recommended to buy an insurance plan before coming to the US as you can be covered from the time you start your travel if the date on the application is the same date as the travel and you have left your country of residence. . Medical costs in the US are high because of which paying out of pocket can run in hundreds or thousands of dollars. A health insurance plan can help in such cases. In addition, tourists cannot access government-sponsored insurance programs; hence, they must buy plans that can cover them in the US during their brief visit. You can buy a plan after coming to the US, but it is suggested to buy early.

Pallavi Sadekar

Pallavi Sadekar

Travel Insurance Expert

Pallavi Sadekar is a seasoned insurance professional with over 17 years of experience in the industry. As the Head of Operations at Visitor Guard®, she brings a wealth of expertise to the field. With a profound understanding of insurance, Pallavi has consistently demonstrated her commitment to helping clients make informed decisions about their coverage.

Pallavi’s insights and advice has earned her recognition in esteemed publications, including Forbes, USA Today, and various online platforms. Her contributions to these outlets have solidified her reputation as a trusted authority in the insurance domain. Whether it’s navigating the complexities of visitor insurance, finding the right coverage for clients, or understanding the intricacies of visitor health insurance, Pallavi’s in-depth knowledge allows her to offer practical and informed guidance to her clients.

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