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Health Insurance for Foreigners, and Health Insurance for Non Residents in USA

At Visitor Guard®, we provide health insurance for foreigners in 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 non residents in USA.

As health insurance policies are mandatory for all foreigners who travel to the USA, we at Visitor Guard® have curated a broad spectrum of visitor health insurance policies that covers any foreign national’s medical expenses while visiting the USA. Visitor Guard® offers the best & affordable health insurance for non residents in USA that goes well with their needs & travel schedule.

These health insurance for foreigners in 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 USA and choose the one that will suit your needs and budget the best.

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Health Insurance for Foreigners in USA – Comprehensive Plans

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Safe Travel USA Comprehensive

$69 / 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 2 years
  • Brochure
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Patriot America Plus

$71 / 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
Purchase Now
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Atlas America

$80 / 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
Purchase Now
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Patriot America

$72 / 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
Purchase Now
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Liaison Travel

$84 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $5 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 3 years
  • Brochure
Purchase Now
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Patriot Platinum

$142 / 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
Purchase Now

Health Insurance for Foreigners in USA – Limited Benefits Plans

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Visitors Care Insurance

$30 / 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
Purchase Now
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Safe Travels Elite

$30 / mo For age 45 year with $50,000 plan and $100 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 2 years
  • Brochure
Purchase Now
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Inbound USA Insurnace

$38 / mo For age 45 year with $50,000 plan and $100 deductible
  • Plan maximum limits ranging from $50,000 to $150,000
  • Deductible options from $0, $50, $100 ($200 for above 70 years)
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 3 years
  • Brochure
Purchase Now
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Advantages for Health Insurance for Foreigners in 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 protection– Health 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 evacuation– Health 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 for Foreigners in USA

1. Safe Travel USA Comprehensive

Safe Travel USA Comprehensive is the best health insurance for foreigners in USA, that 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 illness 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 $5000 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 Foreigners, Non-US Citizens, and Immigrants

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 health care insurance in the US. The 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 Foreigners, Non-US Citizens, and Immigrants
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®.

Factors That Affect the Price of Health Insurance for Foreigners

Several factors determine the cost of health insurance for foreign nationals, such as:

  • How many days will you be in the US?
  • Choice of policy maximum (amount of coverage needed)
  • Choice of deductible you opt for
  • Ages of the travelers.
  • Are you a student or a leisure traveler?
  • Do you want to participate in hazardous sports?

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.

Cost of Health Insurance for Foreigners in the USA

The cost of health insurance for foreign nationals greatly varies. The comprehensive plans include Safe Travels USA Comprehensive, Patriot Travel, Atlas Travel, and Liaison Travel. In contrast, the limited plans include Visitor Care Insurance, Safe Travel Limited Benefits, and Inbound USA Insurance.

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. Whereas, Liaison Travel plan maximum limits range from $50,000 to $5 million with an $84 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. Meanwhile, Inbound USA Insurance offers $50,000 to $150,000.

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.

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, Liaison Travel, and Patriot Platinum.

Yes, you can get health insurance even if you are not a 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.

 


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