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Explore MoreAverage cost of travel insurance for USA in 2025
It is no longer a mystery that you need travel insurance to safeguard your vacation. The US is one of the most expensive places in the world, and if you are wishing to visit the country, you need to be well prepared. Of course, everyone wants to be well protected but does not want to spend tons of money on buying a plan, either. You may often ask how much travel insurance you need in the US. Read on to discover!
Quick Facts:
- The USA ranks among the top countries with high healthcare costs.
- The need for travel insurance varies based on age, health, and trip duration.
- On average, travelers are recommended a minimum coverage of $50,000.
2025: The Changing Landscape of Travel Insurance
Chiranth Nataraj, a renowned travel insurance expert, suggests, “In 2025, with the dynamic global scenario, travelers to the US should opt for a minimum coverage of $50,000, if not more.
But there can be several reasons why an individual is visiting the US. He/she can be a visitor for a few weeks, or join a full-time study program, or be in a leisure or business travel”.
Average cost of travel insurance by age
Age | Period | Plan Cost* |
---|---|---|
20 | 30 days | $15 |
30 | 30 days | $17 |
40 | 30 days | $19 |
50 | 30 days | $27 |
60 | 30 days | $27 |
70 | 30 days | $59 |
80 | 30 days | $127 |
*Estimated price for fixed benefit plans Source: Visitor Guard®
Buy Travel Insurance for USA
Average cost of the different travel insurance plans in 2025
Insurance Plans | Plan Cost* |
---|---|
Safe Travels Elite | $22 |
Visitors Care | $18 |
Visit USA Budget | $31 |
Visitor Secure | $33 |
Safe Travel Comprehensive | $73 |
Patriot America Lite | $74 |
Patriot America Plus | $74 |
Visit USA | $75 |
Atlas America | $79 |
Diplomat America | $115 |
Atlas Premium America | $152 |
*Average cost of US travel insurance is based on quotes for a 40-year-old male traveling to the US for a 1-month trip. Source: Visitor Guard®
Average cost of travel insurance by policy maximum in 2025
Insurance Plans | Plan Medical Limit | Cost* |
---|---|---|
Safe Travels Elite | $ 25,000 maximum | $22 |
Safe Travels Elite | $ 50,000 maximum | $36 |
Visitors Care | $ 25,000 maximum | $18 |
Visitors Care | $ 50,000 maximum | $31 |
Safe Travel Comprehensive | $ 50,000 maximum | $55 |
Safe Travel Comprehensive | $100,000 maximum | $76 |
Atlas America | $ 50,000 maximum | $56 |
Atlas America | $100,000 maximum | $76 |
Patriot America Plus | $500,000 maximum | $97 |
Diplomat America | $250,000 maximum | $101 |
Atlas Premium America | $1,000,000 maximum | $158 |
*Average cost of US travel insurance is based on quotes for a 35-year-old male traveling to the US for a 1-month trip. Source: Visitor Guard®
Determining Your Travel Insurance Needs:
1. Purpose of Visit:
Tourist: Standard coverage suffices for most tourists. However, if you're an adventurer engaging in extreme sports, consider additional coverage like sports or evacuation insurance.
Student: If you're visiting for academic purposes, ensure coverage for the entire academic year, especially if your institution doesn't offer insurance.
Business: Business travelers might need additional coverage for equipment or specific events.
2. Age Factor:
Age significantly impacts insurance premiums. Generally, younger travelers get higher coverage at lower premiums. As age increases, especially above 70, premiums rise, and policy maximums might decrease.
3. Existing Medical Conditions:
If you have pre-existing conditions, select a plan that covers any acute onset of the condition, ensuring all other medical requirements are met.
4. Potential Treatment Costs:
The US healthcare costs can be unpredictable. A simple fever treatment might cost a few hundred dollars, whereas a broken bone could run into thousands. Opting for comprehensive coverage with a higher policy maximum is recommended.
Conclusion
With the USA's soaring medical expenses, having the right travel insurance is not just a precaution; it's a necessity. By considering the factors outlined in this guide, you can make an informed decision tailored to your needs.
For personalized assistance and further queries, reach out to our team at (804) 325-1385.