Visitors Health Insurance

Visitor Guard® offers dependable and trustworthy visitor health insurance for international visitors to the USA. Plans pay for a range of health benefits including hospitalization, doctor visits, prescription drugs and acute onset of pre-existing conditions. Choose ‘limited benefit’ or ‘comprehensive’ plans.

What does Visitor Health Insurance Cover?

Hospitalization Insurance

After your deductible is met, plans provide benefits up to your chosen policy maximum (or certain sub-limits) for visits to the hospital.

Doctor’s Visits

Visits to the doctor are covered up to your chosen policy maximum or certain sub-limits.

Dental Insurance

Dental benefits are provided by certain plans in the event of accidental injury or sudden pain to your teeth.


Blood work, x-rays, MRIs and other diagnostic procedures are covered in most cases if ordered by a doctor.


Prescription drugs are covered eligible sickness or injury.


An acute onset of a pre-existing condition for ages below 70 can be covered as per the schedule of benefits.

Affordable Health Insurance for Visitors to the US

Can a visitor get health insurance in USA?  Knowing the US medical costs, this is the most common question that travelers have. When non-US citizens visiting America have proper visitor health insurance coverage, the plan steps in and pays for treatment costs that occur when the visitor falls sick and or is injured. It could be a minor illness such as a cold or something more major such as a fracture or a heart attack. Different aspects of treatment, including emergency response, hospitalization, physician visits and prescription drugs are typically covered with the visitor insurance plan’s benefits.

The premium for health insurance for visitors to USA depends on the age of the visitor, the length of coverage, medical maximum, deductible and type of plan. The medical maximum ranges from $10,000 to $2million. The benefits can be per incident (i.e. for each sickness or each injury) or for the life of the plan (i.e. the duration of the entire coverage). A range of deductibles from $0 to $2500 are available. There are two types of health insurance plans for visitors to the US : fixed benefits and comprehensive. The comprehensive visitor insurance plans unlike the fixed plans rarely have daily (or per visit benefit) sub-limits. Both, comprehensive visitor health insurance plans as well as fixed insurance plans have a medical maximum for covering healthcare expenses of the insured member.

Have questions on the best health insurance for visitors to USA? You can speak with one of our licensed agents if you need any clarifications. All our licensed agents and claims administrators are based in the US and they process the claims in conjunction with the providers’ offices.

Buy Visitor Travel Health Insurance

If you are travelling on a visitors visa, health insurance coverage can be easily purchased. Coverage for hospitalization, ambulance, evacuation, prescription drugs and acute onset of a pre-existing conditions are available. No medical examinations required for applying for coverage. You can easily buy visitor health insurance and have confirmations including ID Cards received sent to your immediately email immediately. Easy online application and purchase using a credit card.

Using Your Visitor Health Insurance

If you have a visitor medical insurance plan, using it is straightforward. You’ll have to find a PPO provider included in your plan.  At the hospital, you will present your ID card and submit the information required by the staff. Although providers typically bill your insurance company directly, you may be asked to make a payment as your co-payment or deductible. Be prepared to answer medical questions and have a copy of your medical history on hand. After you receive your treatment, request an itemized copy of your bill. Typically, a provider can send this directly to your insurance company or you. Download the appropriate claim form from your insurance company website. Typical documents required for filing a claim include:

  • Completed claim form
  • Copy of passport
  • Copy of I-94 if visiting the USA
  • All receipts
  • Copies of medical bills and itemized services

If the insurance company denies the claim, it could be because it is not covered or lacks the supporting documentation. Your request may be considered an exclusion from the plan, submitted too late, or it may be because you purchased your plan too late. Once you understand the reason for the denial, file an appeal. This formal request for reconsideration should include copies of the supporting documents, an outline of the reasons for the motion, and if possible, a letter from the physician stating why the care was needed. If you are ultimately responsible for paying the charges associated with the medical treatment, inquire with the treating provider to possibly have the charges reduced or work out a payment installment plan.

What does Visitor Health Insurance not Cover

All visitor insurance plans have exclusions. Typical exclusions by most visitor medical insurance plans in the USA plans are: 

  • Losses due to pre-existing medical conditions
  • Travel costs when the purpose of the trip is to obtain medical services outside of your home country
  • Extreme high-risk sports including skydiving, scuba diving, and bungee jumping.
  • Losses due to war
  • Venereal disease, AIDS virus, pregnancy, or abortion
  • Mental, psychological, or nervous disorders
  • Intentional bodily harm including suicide
  • Treatment caused by alcohol or drug intoxication


How to get health insurance for Visitors in USA

If you are looking for visitor health insurance compare the various options available. Now that you know the types of plans (i.e. fixed and comprehensive visitor health insurance) available, and what can and cannot be covered, you can compare the plans and buy a US visitor visa health insurance by simply providing basic information i.e name, date of birth, mailing address, passport country. Coverage can begin from the very next day or a future date you prefer. Once you complete the application and pay for it 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 travelling.

Simply answer the questions above and get a quote to review the various options available and buy visitor health insurance.

Sample Visitor Insurance Plans

Two of the most popular and highly regarded visitor health insurance options available today are the Patriot America Plus plan and the Visitors Care plan.

Patriot America Plus, administered by International Medical Group (IMG), offers comprehensive health insurance for visitors to the USA. Sirius International, the company that underwrites Patriot America Plus, maintains an A rating by A.M. Best. Policies are available with maximums from $50,000 to $500,000 and deductibles from $0 to $2,500. Patriot America Plus can be purchased online here, or by telephone. A policy is good for five days to two years. Patriot America Plus covers medical expenses, evacuation, and repatriation and is renewable up to 24 months. It does offer coverage for acute onset of a non chronic pre-existing medical condition for those under 70 years of age with certain policies. A full listing of PPO network providers is available.

Visitors Care is a fixed benefits plan that is also underwritten by Sirius International. This plan offers benefit maximums of $25,000, $50,000, or $100,00. There is also a choice of deductibles of $0, $50, or $100 and the plan is renewable up to 24 months. Visitors Care insurance can be purchased online, or you can print a paper application. Policies are available starting at five days in duration. Visitors Care covers medical expenses, emergency evacuation, and repatriation costs. The company will not cover any condition that existed within the three years before the effective date of the insurance. However, the company does offer an optional rider to cover hospitalization due to a myocardial infarction or a cerebrovascular accident if related to a pre-existing condition. Providers within the PPO network for Visitors Care are listed at the company’s site online.

Paying for your Patriot America or Visitors Care policy is typically done with a credit card, check, money order, or an e-check, and you can expect your identification card, declaration of insurance, and a certificate of insurance once the company approves your application. The applications require some personal information and selection of which policy is best for you. The forms are available online, or you can print a paper application. Although the plans do not require previous medical records, it is always prudent to keep your medical records with you especially if you have a chronic condition. Despite being able to purchase a policy up until the day you depart, the ideal time to buy one of these plans is as soon as you make your trip deposit.

General Visitor Insurance Terms

There are two general types of benefit plans. A scheduled benefit plan has benefit limits for each type of medical expense or service, and typically, it is essential to pay an initial deductible. These plans have the lowest premiums, but the benefits are limited in comparison with comprehensive plans. A comprehensive benefits plan does not have benefit limits based on the medical expense. The expenses are based on the reasonable and customary charges and are covered up to the policy maximum less the deductible and co-insurance.

You can purchase a plan in your home country rather than purchasing one from the USA. However, there are numerous advantages associated with buying visitor insurance in the USA:

  • The insurance industry in the USA is heavily regulated
  • Better customer support service
  • Claims processed faster
  • Multiple plans to choose from
  • Support for the companies by the Better Business Bureau (BBB)

Some health insurance plans for visitors to the USA offer a renewable option that extends coverage for 6 to 36 months. Not all policies are renewable which is relevant if there may be a chance you continue your stay. A significant advantage of a renewable plan is that you pay the deductible only once during the policy period instead of paying it each time you purchase a new policy. Most plans provide coverage for persons up to age 69. However, some plans extend up to age 80+. If you are buying a policy for two people, the benefits, and the costs do not differ between buying individually and buying combined. Separate policies have flexibility if the two travel agendas differ. You can purchase a policy online from virtually anywhere with no medical exam required. If you have dual citizenship with the United States, you must use your US citizenship to review insurance plans.

For instance, buying visitor health insurance for California is only a short-term plan that can only cover certain new conditions which may occur after the effective date of the policy. The insurance coverage does not cover for routine maintenance of any pre-existing conditions or a general check-up (non-sick) or maternity.

If travel plans change, the insurance coverage can also be canceled as required. Some plans will offer a refund while others will not. Those plans that do offer a refund maintain specific guidelines for returns so check with your provider. Although there is no medical travel insurance plan that covers pre-existing conditions, there are a few plans that give coverage to the acute onset of existing ailments up to a certain point of confinement.

These visitor health insurance plans provide medical protection when international travelers are outside their home country. In countries such as the United States, Canada, and Europe medical insurance for visitors is not mandatory (i.e. not required by law)whereas in Europe, many countries require travelers to purchase travel medical insurance before they are allowed a visa. You can buy the appropriate Schengen Visa Insurance and immediately download the required ‘proof of insurance coverage letter’ for obtaining the visa at the Embassy/Consulate.

Learn More about Visitors Medical Insurance

Review tips for traveling safe and finding insurance for travelers with medical conditions. This post covers in details what is typically covered and what is usually excluded and how best to protect medical expenses during travel overseas

Practical tips for obtaining visitor medical insurance covering diabetes and high blood sugar level conditions. This post contains great advice for diabetics and best practices in protecting themselves while traveling to USA and other countries.

Learn what is covered by visitors health insurance for high blood pressure conditions of visitors in USA. A little bit of planning in buying insurance that can cover for heart attacks of visitors to USA stemming from high blood pressure can save a lot of heart ache for the family

A detailed and relevant post about visitors insurance for parents visiting USA provides valuable insurance insight into what is covered, what is excluded and what is the price for visitors health insurance.