Visitors Insurance Reviews, Features, and Benefits

Visitor insurance plans are intended for international travelers seeking coverage for travel and medical emergencies. If you are looking for travel insurance plans that provide excellent health coverage, you have come to the right place.

Visitor Guard® will match you with the insurance plan that best fits your health needs and travel plans. The following benefit overviews and visitor insurance reviews should help you find the coverage option that makes the most sense for you. Read on to get an experience-based view of the best health insurance for visitors to the USA.

Visitors Insurance Reviews, Features, and Benefits

 

Visitors Insurance Reviews

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I highly recommend Visitor Guard. The web experience is easy to use and there is lots of useful information for insurance newbies like me. I was able to get personalized advice on which policy has specific COVID coverage which made the process of shopping for insurance for my mom super easy. Very thankful to the team for an outstanding experience.

I just bought insurance from visitorguard and the experience has been amazing. The website is intuitive, has a lot of articles that explain the nuances of visitor insurance, simple to use navigation that walks you through the process and within a few clicks I could buy the insurance. It allows to choose for the right coverage and deductible that suits your need and I highly recommend it.

Have bought visitor insurance for my family’ trips to the US. The VisitorGaurd website makes it easy to compare various plans – their costs & benefits. The agents are patient, polite, and know the pros and cons of the plans. We have bought Atlas as well Liaison in the past.
Definitely recommend them for all your travel insurance needs!

I have used Visitorguard for purchasing insurance for my parents visiting the US, twice now.
I am impressed with the choice of plans offered and the courteousness of the assisting agents. I bought the Safe Travels USA comprehensive plan which covered both my parents as well as my grandmother. The application process was very easy and straightforward.
I would definitely recommend Visitorguard for purchasing insurance

A wide range of plan choices. Very courteous and knowledgeable. I bought the Atlas America plan. We especially liked the acute on-set of preexisting benefit and the 100% coverage after deductible if you go to a doctor in the network. The application process was easy. I received the confirmation right away and was able to download and print the documents including the ID Cards.

Fair, and reachable. Very efficient in claims payment and processing claims – I highly recommend them.

I already recommended this insurance to my other family members and also to my friends.

This is the second year we have purchased the Visitors Insurance. Luckily, we have not had to use it. However, if we did have a medical emergency we would probably have to return to Canada as early as possible due to our limited coverage and the cost of medical care in the U.S.

It is flexible. it is cheap. but it is good insurance.

Features to look for in Visitor Insurance

FeatureWhat does it mean?Advantages to InsuredDisadvantages to InsuredPlan Name
Type Of PlanFixed/Limited BenefitsBenefits for hospitalization, intensive care, surgery, prescription drugs etc. have defined sub-limitsLower premium for Basic coverageIn the event you must use the policy, the Out of pocket is unknown till you get the billsInbound USA, Visitors Care, Safe Travel USA Limited Benefits
ComprehensiveBenefits have no sub-limits and are paid up till your policy maximum for hospitalization, intensive care, surgery as well as prescription drugsGood coverage- Plan pays up to the chosen policy maximum once the insured meets the deductible and coinsurancePremium is usually higherSafe Travel USA Comprehensive, Atlas Travel, Patriot America Plus, Liaison Travel, Diplomat Series
PPO NetworkPPO Network is a group of medical providers, such as hospitals and doctors for a health plan.Providers in the network can bill the insurance company directly. You also can get negotiated rates for services. Some plans also waive your deductible and/or coinsurance if you stay in network.If you go to a provider out of network, they might not be able to bill direct thereby you will have to pay upfront and submit a claim. You are typically billed the URC and not the negotiated rates. Some plans also will not waive your deductible and co-insuranceFirst Health Network; UnitedHealth Care
Plan RenewabilityIf your plans change and you need coverage for a longer duration, can you extend/ renew the policy?You can stay on the same policy without break in coverage.If you do need coverage for a longer duration than you initially bought it for you will have to buy a new policy if the plan cannot be extended. This would mean new pre-existing condition exclusions. Also deductibles and co-insurance will have to be paid again.Diplomat America cannot be extended or renewed. Safe Travel USA Comprehensive can be extended and renewed up to 2 years.
Type of CoveragePer Life of PlanThe benefit amount applies to all claims you make throughout the policy period. They all get added towards the policy maximum amount.  Patriot America Plus; Safe Travel USA Comprehensive
Per Injury SicknessAlso known as Per incident; the benefit amounts apply to each individual sickness or injury.For every new incident you get a new coverage. The overall limit still remains. Inbound USA; Visitor Care
Benefits of having Visitors health insurance to the USA

Visitor Health Insurance: Key Benefits

Before we dive into visitor insurance reviews, let’s take a look at the best-in-class benefits that the best visitor insurance companies provide. Be sure that you can check most or all of these boxes before purchasing; these benefits should be included in your plan if you hope to feel safe and secure. First, you will want to look for policies that cover extensive medical care and emergency transportation.

The cost of medical care and ambulance transportation is astronomical in the United States. Look for a plan with $50,000 or more in emergency medical coverage. The best insurance will cover both, which protects you from having to pay for surgeries and medical transportation out of pocket in the event of an emergency. The best travel insurance plans cover a minimum of $100,000 for emergency transportation. Also, look for plans that cover the sudden onset of a pre-existing condition. Additionally, you will want to consider a plan that provides evacuation insurance and repatriation of remains.

Medical Benefits of a Visitor Insurance Policy

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Hospitalization

Once your deductible is met, your plan will provide benefits up to your policy maximum for comprehensive policies or up to a pre-defined limit for a fixed benefit plan.

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Doctor Visits

Your insurance will cover up to a chosen policy maximum for a comprehensive policy or a pre-defined limit for a fixed benefit plan.

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Dental

Some insurance plans offer dental coverage, so you’ll be protected in case of an injury or pain in your teeth.

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Diagnostics

Certain plans offer coverage for diagnostic tests such as blood work, x-rays, MRIs and other procedures

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Prescriptions

Prescription benefits will cover a new prescription as long as it is purchased during the dates the policy is effective.

Pre-Existing Conditions

If you have an acute onset of a pre-existing condition, some visitor insurance can cover you if you are under 70 years.

A Look at Visitor Insurance Popular Plans

Which plan makes the most sense for you? You don’t have to take our word for it. Let’s take a look at the top plans and see what people are saying about the coverages, features, benefits, and overall customer experience.

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Patriot America Plus

$$77 / mo For a 45-year-old with $50,000 plan maximum
  • Hospitalization, ER, Dr. Office Visits, Prescription Drugs
  • Urgent Care – $25 copay and No Deductible
  • In Network, Co-insurance waived
  • Brochure
Quote

Patriot America Plus Traveler’s Insurance

Patriot America Plus is an affordable and comprehensive travel medical insurance plan that provides coverage to people traveling to the USA from their country of residence. After a low deductible, and within the plan’s PPO network, Patriot pays 100% up to the policy maximum. It’s also renewable and cancellable (full refunds are offered before the coverage date begins).

Highlights: 

  • Participates in PPO Network, which connects you with thousands of reputable doctors, hospitals, and medical experts throughout the USA
  • All claims handled in the United States 

Limitations 

  • Low policy maximums for those over 80
  • Maximum of 24 months’ coverage
  • No acute onset of pre-existing conditions coverage for certain ages

Visitors Care Insurance

Visitors Care Insurance offers basic coverage for those traveling outside of their home county. This low-cost, fixed benefit plan provides medical benefits such as out-patient and in-patient treatments, ambulance transportation, emergency evacuation, and more. If you choose Visitors Care, you can be covered for as little as 5 days and as many as 364.


The Highlights: 

  • Low price and affordable premiums
  • Renewable
  • Optional add-on coverage of acute onset of pre-existing conditions 

Limitations 

  • Coverage and benefits may be inadequate for some travelers
  • Maximum 12 months coverage
  • $25,000 policy max for travelers 80 and older
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Visitors Care

$$29.70 / mo For a 45-year-old with $50,000 plan maximum
  • Maximum limits ranging from $25,000 to $100,000
  • Deductible options from $0 to $100
  • Hospitalization, ER, Dr. Office Visits, Prescription Drugs
  • Coverage for Acute Onset of Pre-existing Conditions
  • Coverage from 5 days to 2 years
  • Brochure
Quote
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Atlas America

$$76 / mo For a 45-year-old with $50,000 plan maximum
  • Hospitalization, ER, Dr. Office Visits, Prescription Drugs
  • Coverage for the acute onset of pre-existing conditions
  • Coverage for 5 days to 364 days
  • $15 co-pay for Urgent Care
  • Brochure
Quote

Atlas America Insurance

Atlas America Insurance is a comprehensive visitor insurance plan designed to provide medical coverage for individuals and families traveling to the United States from other countries. This insurance covers the acute onset of pre-existing conditions within predefined limits. Within the PPO network, and after the deductible, Atlas covers 100% up to the policy max for injuries or illness covered in the plan.

The Highlights: 

  • Cancelable and refundable
  • Covers acute onset of pre-existing conditions for up to 2,000,000 for those under 70 years of age
  • Claims handled in the USA

Limitations 

  • Low policy maximums for those over 80
  • Coverage limited to 364 days; however, the policy is renewable
  • Emergency room coverage has limitations
  • Pre-existing condition coverage is limited to the acute onset and must be treated

Additional Ratings

  • Rated A+ by Standard & Poor’s
  • Great customer feedback online

Safe Travel USA Comprehensive 

Safe Travel USA Comprehensive Insurance is a comprehensive visitor insurance plan designed to provide medical coverage for individuals and families traveling to the United States from other countries. This insurance covers one acute onset of pre-existing conditions within predefined limits. Within the PPO network, Safe Travel USA Comprehensive covers 100% up to the policy max for injuries or illness covered in the plan.

The Highlights: 

  • $75 Doctor Wellness Visit Benefit
  • Cancelable and refundable
  • Covers one acute onset of pre-existing conditions upto policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under. Covers upto $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70y
  • Claims handled in the USA
  • Athletic Sports coverage is available.

Limitations 

  • Low policy maximums for those over 80
  • Coverage limited to 364 days; however, the policy is renewable
  • Pre-existing condition coverage is limited to one acute onset

Additional Ratings

  • Rated B+ by AM Best
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SAFE TRAVEL USA COMPREHENSIVE INSURANCE

$66 / mo For a 45-year-old with $50,000 plan maximum
  • Coverage for Hospitalization, ER, Dr. Office Visits, Prescription Drugs
  • Urgent Care – $30 copay and No Deductible
  • Well Visit/Physical Check UP
  • In Network, Deductible and Co-insurance waived
  • Brochure
Quote
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INBOUND USA

$$30 / mo For a 45-year-old with $50,000 plan maximum
  • Fixed benefit plan with coverage per incident
  • Deductible options from $0 to $200 per incident
  • Hospitalization, ER, Dr. Office Visits, Prescription Drugs
  • Three Options- Basic, Choice and Elite
  • Brochure
Quote

For ages up to 69 years, when treatment is obtained within 24 hrs. of acute onset of pre-existing conditions 1 acute episode per pre-existing condition is covered up to $50,000 with the Basic, $75,000 with the Choice & $100,000 with the Elite. For ages 70-79 years the limit is $25,000;

Inbound USA

Inbound USA is a limited benefit (fixed coverage) plan that provides basic medical insurance coverage for non-US citizens visiting the United States. It’s a low-cost, per-incident plan administrated by a US-based insurance provider. All claims are handled in the United States.  

The Highlights: 

  • Low price and affordable premiums
  • Coverage for acute onset of a pre-existing condition
  • Good basic coverage for short-term travel

Limitations 

  • Coverage and benefits may be inadequate for some travelers
  • Plans pay fixed rates for each service
  • $100 or $200 deductible option for each incident claimed by 70+ policyholders
  • Maximum 12 months coverage
affordable visitors insurance in usa

Visitor Travel Insurance

Benefits from the time you leave your country for hospitalization, ambulance, evacuation prescription drugs, and acute onset of a pre-existing condition. No medical examinations required; Confirmations including ID Cards received immediately. Easy online application.

Ready to purchase your visitor insurance? Find out more about visitors health insurance for USA travel. Or give us a call at 1-804-325-1385. We look forward to giving you peace of mind while on your next great American adventure!