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Visitor Health Insurance USA

Visitor Guard® provides comprehensive healthcare coverage for visitors to the United States. Our Visitor Health Insurance provides affordable health insurance to students on vacation, exchange visitors, and au pairs.

Visitor Guard®: Travel Without Worries

We provide comprehensive Visitor health Insurance USA coverage plans. We help you find customized insurance solutions specific to your travel schedule and needs, as well as provide you with advice on travel security and health concerns overseas.

Visitor Health insurance is a type of travel medical insurance plan that enables travelers to get coverage for illness or injury that occurs during their stay abroad. Visitor Guard® offers a broad spectrum of various comprehensive and affordable universal plans for visitor health insurance for visitors to the USA. We’ve got your back for all your travel healthcare needs. 

Visitor Health Insurance USA

Visitor Health Insurance – 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
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Safe Travels Limited Benefits

$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
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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
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Visitor Health Insurance – 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 $2M 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
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Buy the best Health Insurance for Visitors to the USA

For A Healthier, Well Protected Travel

Have you ever been in a situation where you want to plan a vacation but can’t because of your health problems? If yes, then great. You have reached the right spot. Visitor Guard® is one of the best visitor health insurance companies that will help you get and stay covered for your travel needs.

Travelling can be stressful enough without including uncertainty as to how you will find health coverage abroad. Whether you’re traveling in the USA or taking an international trip, Visitor Guard® is a leading health insurance provider that can help. Our plans offer the Best Visitor Health Insurance USA to international visitors. 

Travel anywhere in the world with peace of mind and our health insurance plans to keep you safe.

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Benefits of Visitor Health Insurance USA

We ensure that you have access to health insurance coverage when you need it the most. We assist our customers in having a smooth and hassle-free travel experience. 

  • Individual Healthcare Cover pre and post-hospitalization expenses in case of any medical emergency. 
  • Pre-existing Disease Cover Get visitor health Insurance for pre existing conditions and lifetime diseases like diabetes, hypertension, or cancer covered. 
  • Covid-19 Coverage Cover all Covid-19 related medical and hospital bills while traveling abroad.
  • Critical Illness or Surgery Plans Insure yourself to pay all your surgery and life-threatening illness treatment bills. 
  • Family Floater Policy Protect your entire family against health issues or medical assistance in the future. 

Why Choose us for Visitor Health Insurance?

Visitor Guard® is devoted to keeping you safe and healthy while you travel to the US with our plans for Visitor Health Insurance in the USA, specially designed to cater to all your specific requirements.  

  • Global Network we offer our specialized services to international travelers across the world. 
  • 24*7 Customer Support Get all your insurance-related doubts and queries solved in an instant with our round-the-clock customer assistance. 
  • Quick Claim Intimation We help you reimburse your claim quickly and effortlessly to get your medical coverage on time. 
  • Optimized Insurance Cost We offer the best insurance prices in the market for tension-free and safe international travel. 
  • Simple, Smooth Process Easy, quick and seamless insurance process to get the best health package deals. 

Types of Visitor Health Insurance USA Plans

Limited Benefit Plans

A limited-benefit plan is a lower premium plan and often acts as supplemental insurance, rather than a stand-alone coverage. Since limited-benefit is relatively inexpensive, some users choose it instead of purchasing major medical health insurance. Usually, they include critical illness plans, indemnity plans, and “hospital cash” policies.

Comprehensive Plans

A comprehensive health insurance policy is extensive coverage for all kinds of health-related expenses. It acts as a financial pillow in case of health emergencies, consultations, hospital stays, and medical tests. With a higher premium, it aims to ensure that you do not have to worry about finances in case of a medical emergency.

Buy Visitor Health Insurance USA Online

04 - list
Step 1:-Check the available plans

Submit your details through the quote form above and check out the plans suitable to your specific needs

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Step 2:-Compare Plans

Compare the pros and cons before choosing the plan best suited to you in terms of budget, coverage, and areas

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Step 3:-Choose a plan and apply

Buy a plan from our trusted insurance providers

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Step 4:-Confirm via email

Check and confirm your documents through your email

Visitor Guard® #1 visitor health insurance providers in the USA at your service

Visitor Guard® has won the trust of travelers over the years with their effective and dependable plans for all international visitors traveling to the USA. Their plans safeguard people from all types of medical costs, including hospitalization, doctor visits, prescription drugs, repatriation, medical evacuation, and even acute onset of pre-existing conditions.

Visitors and travelers can fill-up the form with a few clicks and apply for the plans. There are no strict rules and lengthy process of paperwork and medical checkups. They get to choose from the “limited benefit” and “comprehensive” plans according to their needs.

The process is simple, quick, and hassle-free. Submit the basic details like name, address, date of birth, and passport number. Verify the information instantly via mail. And you can enjoy the coverage from the next day onwards.

 

Visitor Health Insurance

Affordable Health Insurance for Visitor to USA

Where can I find USA visitor health insurance?

Knowing the realities of high US medical costs, this is a common question we get from travelers. There are many types of plans, each with varying levels of coverage. Visitor Guard® has many policies for you to consider.

You can always speak with one of our licensed agents if you have questions about the best health insurance for visitor to USA. All our licensed agents and claims administrators are based in the US. Claims are processed in conjunction with each providers’ offices.

Difference Between Limited and Comprehensive Visitors Health Insurance Plans 

Visitor Guards® offers 2 types of medical insurance plans for travelers: “Limited benefit” and “Comprehensive” plans.

Limited benefit plans have pre-defined limits on all the coverages. These type of plans are typically cheaper. With limited benefit plans, you will know your out of pocket maximum only after getting the bill.

Comprehensive plans provide much better coverage, though it is a little expensive. We recommend comprehensive plans to get your medical bills covered.

You can compare the plans in detail by simply filling up the form on top. These plans can be purchased according to your need, starting from 5 days to 364 days of duration. Most plans will give you coverages like medical evacuation and repatriation benefits- regardless of the type of the plan. Some of them even offer extensions.

Health Insurance for Visitors to USA
Visitors Medical Insurance

Visitor Health Insurance Inclusions

 

All visitor health insurance plans have the basic coverage for medical illnesses and injuries. An illness or injury can be covered only if it happens after the policy is in effect.

These plans include several inpatient and outpatient benefits, like the coverages for hospitalization, urgent care, intensive care, and doctor visits.

Apart from these basic medical needs, coverages vary for the different plans. Many of them even cover the acute onset of pre-existing illnesses up to a certain age, like 70 years.

Some of them cover the cost of prescription drugs for new medical emergencies. Many of these travel insurances now cover Covid-19 like any other illness too.

The benefits also include medical evacuation and repatriation. You can opt for a plan that offers extended medical evacuation at no extra cost. The comprehensive plans can also include dental coverage for an accident, and the limited coverage of toothache.

Choose a plan carefully that includes all your medical needs for maximum support.

Visitor Health Insurance USA Cost

Visitor Age

Plan Medical Limit

Premium*

55-59
Inbound USA 
USD 50,000 maximum
$52 per month
55-59
Inbound USA 
USD 100,000 maximum
$57 per month
55-59
Safe Travel Comprehensive 
$50,000 maximum
 
$110 per month
55-59
Safe Travel Comprehensive 
$100,000 maximum
 
$136 per month
*Estimated Premiums

How Much Does Visitor Health Insurance Cost?

There is no one-size-fits-all cost for visitor health insurance plans. It differs for limited and comprehensive plans. The details like your age, the number of days you need coverage for, the deductible, and the policy maximum, determine the amount of your premium.

The premium for Visitor Medical Insurance USA varies from $52-$136 (or more depending on the age) per month. The limited benefit plans are all cheaper than the comprehensive plans.

Many of these plans offer an extension or an upgrade like sports injuries. You can opt for them according to your special needs.

The quick procedure lets you start the coverage plan from the next day of application and confirmation. You can also choose a future date to initiate coverage while applying.

Medical emergencies are expensive in the USA, even for a minor injury. It can easily disrupt your whole budget for traveling. But opting for health insurance can go a long way to bring you peace of mind.

 Factors That Affect the Price of a US Visitor Visa Health Insurance

The amount of premium for your travel health insurance depends on the following factors-

  1. Age of the applicant-

Age often becomes an indicator of how much a person is prone to medical emergencies. The premiums are usually higher for older travelers, as they may be at increased risk for health-related problems.

2. Area of coverage-

The location of your visit also impacts your premium. You might be charged a higher premium if you are traveling to the USA, compared to another part of the world.

3. Duration of travel-

Premiums are decided on a daily or monthly basis. The longer you stay, the higher your premium will be.

4. Coverage level-

You get to decide the amount of coverage and deductible for your premium. High coverage comes with a higher premium. But think carefully before choosing it, as you will have to pay the deductible if something unexpected were to happen.

Cleveland Clinic Rate Card

Hospital Room and Board Per Day Charges
Coronary care
$5136
Operating Room Charges per
30 min increments 
Level 1 – Initial
30 mins
$2113
Physical Therapy Charges
 
Evaluation &
Report 
$494
 
Laboratory
Charges
 
Comprehensive Metabolic Panel
$166
 
Sample costs for details see Cleveland Clinic Rate Card 

Sample cost of the medical services in the USA

The United States has the highest medical costs in the world. And these costs have only been rising for a long time here. For a traveler, it is extremely risky to visit the USA without reliable medical insurance. Medical emergencies might occur out of the blue, but they can cripple you financially if you are not prepared.

How much does it cost to visit a doctor?

Depending upon the services and treatment provided, it will cost you around $300-$600 per visit. The cost might be partially or completely covered if you have medical insurance.

How costly is hospitalization in the USA?

A 3-day hospital stay might cost you $30,000 on average, without any medical insurance.

A good health insurance can lower your overall medical bill by a significant amount. It will ease the pressure on you if you were to face any unforeseen situations while on a visit to the USA.

 

 

How Does A Visitor Medical Insurance Plan Work?

Once you have health insurance for visitors to the USA, it is simple to use it.

First, find a PPO provider that is covered by your plan. Then at the reception of the hospital or clinic, submit your ID proof and other documents as asked. You have to present the documents of your medical history and answer the relevant questions to the receptionist. These organizations bill your insurance company directly, although you might need to make an initial payment in the form of a deductible or co-payment.

After you get the treatment done, ask for a copy of the bill. The treatment providers usually send the bill to you or your insurance company. You can then visit the website of the insurance provider and download the form to claim your medical expense.

Keep these documents handy while filling the form-

  • The completed claim form
  • A copy of your passport
  • Copy of I-94 if visiting the USA
  • All receipts
  • Copies of medical bills and itemized services

 

Visitor Health Insurance USA

There are very few cases where the insurance company can deny your claim. The reasons might be that you lack the relevant documents, or the service is not under the coverage. Or it can be a case that you submitted the form too late or bought the insurance late.

Once you know the exact reason for the denial, you can file an appeal. State your reasons why the treatment was required. It is a formal request for reconsideration. So put your supporting documents, the outline of reasons for the motion, and a letter from your physician stating the importance of the treatment- if possible.

If you are still deemed responsible to pay the charges, you can ask the treatment provider to reduce the charges or allow an installment plan for you.

Learn More About Visitor Medical Insurance USA

visitor medical insurance for foreigners

Visitor Health Insurance USA – Exclusions

The most common exclusions of Visitor Health Insurance in the USA are-

  • Losses due to pre-existing conditions
  • Travel costs if you are visiting the USA for medical treatment
  • Losses due to war
  • Extremely high-risk sports like sky-diving, scuba diving, bungee jumping
  • Mental, psychological, and nervous disorders
  • Intentionally harming themselves physically, like attempting suicide
  • Venereal disease, AIDS virus, pregnancy and abortion
  • Treatment caused by alcohol or drug intoxication

Visitor Health Insurance USA – FAQ

Individuals or groups who are traveling outside their home country or country of citizenship can consider these insurance plans- regardless of whether they are on tourist visas, for business, immigration, or as international students.

Medical tourism refers to individuals traveling abroad to get medical treatment. Typically, individuals from less-developed countries travel to medical centers in developed countries for treatment that could not be provided in their home country. Individuals who have long waiting periods for a planned surgery also fall back on medical tourism which sometimes is cheaper and faster at a medical facility in another country. Visitor Travel insurance can provide emergency medical coverage for injuries and illnesses arising after the policy is in effect and which are not linked to a pre-existing condition. If you suffer an unexpected illness or injury on your journey, the policy can cover the cost of ambulance transportation, medical treatment, hospital accommodation, medical evacuation, and repatriation if required. 

However, these plans will not cover medical tourism.

The UK has Government-funded medical and health care services called National Health Services (NHS) for everyone living in the UK. They can use these services without being asked to pay the full cost of the treatment. All European Union (EU) citizens visiting the UK can get free healthcare if they have a valid EHIC card. 

Non-EU countries who visit the UK will need to pay for medical services. If you are a non-EU citizen and traveling to the UK as a visitor, it is advisable to have medical insurance that can cover you for high medical costs. 

Unlike the UK, the US does not have a National Health Service, hence if UK and EU citizens are traveling to the US, they need to buy visitor insurance to cover medical emergencies in the US.

Yes, non-US citizens can buy health insurance. The health insurance plans of Visitor Guard offer coverage outside your residence or country of citizenship. Based on your destination country, Non-US citizens along with US citizens can get a quote to compare the various plans available and select a plan that meets their requirements.

You can buy the foreigners’ health insurance plans before or after the start of your trip. The duration of these plans can be anywhere between five days to three years. Most of our foreigners’ health insurance plans include direct payments to certain hospitals and doctors. So you can even enjoy a cashless transaction while visiting a care center in the US. Foreigners can buy these affordable plans based on the amount of coverage they prefer. These plans cover unexpected medical costs if some sudden accidents or illnesses occur.

Canada has a free public healthcare system. However, it is only free for its own citizens and permanent residents. Anyone else needing coverage in Canada while visiting or studying will have to pay to receive medical services. Given the cost of medical treatment, it is important to buy visitor medical insurance while traveling to Canada. Similarly, Canadians visiting the US need to get travel medical insurance as the Canadian healthcare system does not provide coverage in the US

You can get plenty of options to choose from for the best visitor health insurance for you. There are two types of plans. The limited benefit plans are cheaper but offer coverage up to a pre-defined limit. The comprehensive plans are expensive but give you far better coverage, so it is preferred for complete safety. You can go to the form above and submit your basic details like name, date of birth, etc. You can choose the deductible and policy maximum and the special benefits. Once you complete the application and pay with your credit card, you will get a confirmation with your ID card emailed to the email address on file. You can simply print the ID card and carry it with you while traveling. Coverage can begin from the very next day of purchasing or from a future date you prefer.

Simply answer the questions above and get a quote to review the various options available and then purchase a visitor medical insurance online. If you have any doubt, contact our agents and claims administrators.

As a visitor to the US, it is not mandatory to buy health insurance. However, with high medical costs in the US, you can be at risk of losing an enormous amount of money even for a minor injury. To avoid any unexpected financial burden due to your medical conditions, it would be best to buy a visitor’s medical insurance.

The USA is one of the most expensive areas in the world in terms of medical treatment. You might have to pay an extensive amount just for consultation and minor or routine treatment. Illnesses and injuries rarely come with a warning. If you want to avoid any unfavorable situations, it is best for you to get a good plan that meets all your requirements before you visit the US.

There are various options available for visitors to choose from. Learn the difference between a fixed benefit and a comprehensive plan and how these plans meet your requirements. Comprehensive plans like Safe Travel USA Comprehensive, Patriot America Plus, Atlas America, Liaison Travel Insurance, and fixed benefits plans like Inbound USA, Visitors Care are some of the popular plans to compare.

There is no one-size-fits-all when it comes to medical insurance. Go through the coverages of these plans and choose the one that covers all your needs and preferences.

Yes, a visitor can get visitor’s insurance in the US, but only if you are not a permanent resident of the states. This insurance is designed only for travelers, students, and recent immigrants.

The medical costs in the USA are very high, so traveling to the US without the best health insurance for foreigners can be very risky. You should compare the available plans for visitors and choose one according to your preference and needs. It can save you from a disrupted budget if something were to happen while traveling.

Visitor medical insurance is a form of short-term travel medical insurance policy that tourists or visitors can purchase to get protection for illnesses or injuries that may occur while they are traveling or living outside their country. These plans provide inpatient and outpatient benefits like coverage for hospitalization, intensive care, urgent care and even prescription drugs. The plan excludes coverage for maternity, pre-existing conditions or preventive care.

Most travel insurance plans provide coverage for medical emergencies (doctor visits, hospitalization, surgery, intensive care, as well as new prescription drugs) up to the pre-determined limit, along with evacuation, repatriation, trip cancelation, lost luggage, and even trip-interruption benefits. Depending on the plan, trip cancelation and preexisting conditions may be covered.

No, there is no age restriction in visitor insurance policies, these are for foreigners to the US up to the age of 99 years. However, the amount of coverage you get through the policy might vary according to your age. And the coverage of acute onset of pre-existing conditions are valid up to a certain age, like 70 years.

Visitor medical insurance covers the medical illnesses and injuries that occur after the effective date of the policy. These travel plans provide inpatient as well as outpatient benefits including coverage for hospitalization, intensive care, urgent care or office visits and even prescription drugs. Many travel insurance plans include coverage for an acute onset of a preexisting condition. Repatriation and medical evacuation are mostly included there, though some plans offer an option to increase the amount of medical evacuation cost limits at an extra cost. You can decide the policy maximum or the upper limit of the benefit according to your preference and budget.

Whether you are a first-time international traveler or a seasoned traveler who has visited the USA many times before, there’s always a chance of an unexpected travel setback due to a medical illness or injury. In these cases, visitor health insurance can serve you as a financial pillow for medical coverage along with travel assistance if needed. You can benefit from visitor health insurance if you are a USA tourist or parent visiting family in the US, an international student on F or J visa, or traveling for business.

It depends on the travel policy, but you can opt for a policy that covers trip cancelation if you want. Plans like the “Safe Travel USA Trip Protection” can provide you coverage for trip cancelation. People eligible for this plan have to be non-US citizens traveling to the USA and other foreign countries from their home countries, and they have to be below the age of 80 years. Safe Travel USA Trip Protection policy provides coverage for trip cancellation, trip-interruption, emergency medical, and post-departure travel protection. It includes a pre-existing medical condition waiver. While applying, you can even opt for the optional upgrades like emergency accident and sickness medical expenses, AD&D, athletic sports coverage, and home country/follow-me-home coverage. It Provides complete trip protection for the cancellation of trip costs for up to a maximum of $25,000, and the trip-interruption benefit covers 150% of the trip for up to a maximum of $37,500. The policy covers up to $1,000,000 in primary emergency medical coverage.

It is always recommended to opt for insurance from the USA rather than from India or other countries while visiting. The hospitals and care centers are familiar with the network and insurance providers of the USA, and they can easily send the bills directly to the insurance company. So you can enjoy a mostly cashless payment procedure, and hence less hassle.

 

The US insurance companies are more familiar with the medical cost and needs, so they design the policies for the maximum benefit of the visitors from India to the US. Be it for younger or older travelers, the US insurance companies have a wide range and choice of policies for all kinds of needs and preferences.

Visitor’s insurance is not under the Affordable Care Act (ACA) compliant. And benefits like preventive care, pre-existing conditions, and maternity coverage are typically not included in this kind of insurance. However, there are plans that provide some benefits for the acute onset of certain pre-existing conditions, and cover the complications of pregnancy in the first 26 weeks. Review your certificates carefully or talk to our agent to clarify all your doubts.

Most travel insurance to the US does not cover pre-existing conditions. But, there are also many visitor health insurance policies that cover the acute onset of pre-existing conditions like high blood pressure, diabetes, heart attack etc. Clarify with your agent beforehand to ensure you get the coverage for the condition you are looking for.

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