Visitor Insurance Services

Visitor Insurance Services

Visitors to USA & Travelers outside America

Visitor Medical Insurance

Visitor Medical Insurance or medical insurance for visitors are plans that offer visitors insurance coverage for emergency health/medical or dental expenses for anyone visiting USA, or for travel to any other destination country. Adequate visitor insurance coverage is an absolute necessity for medical protection of USA visitors during their stay in America, or in any other foreign location. Visitors to USA and other foreign countries can reduce the financial risk of unforeseen accidents, sickness, or medical emergency by purchasing visitor medical insurance. Visitor health insurance is ideal for all foreign nationals who are tourists in the US, and for parents, relatives and other family members visiting the United States (USA) or any other international destination.

visitor insurance services Visitor Medical Insurance or visitors health insurance or health insurance for visitors are plans that offer visitors insurance coverage for emergency health and medical or dental expenses for the traveler visiting the USA or any other destination country. Adequate visitor insurance coverage is a necessity for medical protection of USA visitors during their stay in America or any other foreign location. Visitors to USA and other foreign countries can reduce the financial risk of unforeseen accidents, sickness, or medical emergency by purchasing visitor medical insurance. A good visitor health insurance plan is ideal for all tourists to US, and for parents, relatives and other family members visiting the United States (USA) or any other international destination.

Visitor Medical Insurance USA

There are basically two kinds of visitor health insurance policies available for visitors to the United States. These are the fixed scheduled benefitand the comprehensive coverage plans. The fixed benefit plan is low-cost, with this you are required to pay the deductible first and then the insurance company will pay up to the maximum amount for each benefit or procedure as listed in the schedule of benefits. The balance, if any, will then be paid by the plan holder.

On the other hand, the comprehensive coverage plan costs almost double that of the fixed benefit policy. The advantage of this kind of visitor insurance USA plan, however, is that it provides better coverage benefits. Here you are required to pay the deductible first and then the insurance company will generally pay 80 percent for the first five thousand and the plan holder will pay the remaining twenty percent, for a 80:20 co-insurance plan. After the five thousand in incurred costs, the insurance company will pay up to hundred percent of the maximum amount in the policy. Do note that different insurance companies will be providing their own version for the benefits so read the policy and the coverage details carefully and thoroughly.


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Visitor Health Insurance COVID-19

Currently, only few insurance plans with comprehensive benefits offer coverage for testing or treatment of the global pandemic related to COVID19. These  visitor insurance COVID-19  compliant plans are listed below:

  • Atlas America Insurance – Popular plan includes acute-onset or sudden relapse of pre-existing condition coverage for ages below 80 years. For ages 65-79 years, maximum coverage choices limited to $50K or $100K USD, with pre-existing condition coverage maximum limited to $50K or $100K.
  • Patriot America Plus – Excellent policy has sudden relapse / acute-onset pre-existing condition benefits for ages below 70 years.
  • Patriot Platinum Insurance – Best comprehensive plan for visitors to USA or other nations, includes higher limits and liability coverage also.
  • Atlas Premium Insurance – High-end comprehensive plan for visiting USA or intl. travel, higher maximum limits with liability coverage benefits.
  • Diplomat America Insurance – plan provides accident and sickness/injury for non-US citizens while traveling outside their home country to the United States. The minimum period of coverage that can be purchased is 15 days, the maximum is 12 months.
  • Safe Travels USA Comprehensive – is a travel medical plan that covers foreign nationals (non US-citizens/residents) while visiting the USA, covers Acute Onset of Pre-Existing conditions up to the policy maximum below age 70 years, and offers one Well Visit use per policy.
  • Diplomat Long Term – provides long term sickness and accidental injury coverage, benefits eligibility is for individual or family while traveling outside insured home country. The minimum period of coverage that can be purchased is three months, the maximum is twelve months, with renewable coverage up to 3 years.
  • Safe Travels USA Cost Saver – is a primary accident/sickness medical insurance policy for foreigners up to age 89 years visiting the United States, also covers travel to other countries including the USA, plan is renewable up to 24 months, includes Unexpected Recurrence of a Pre-Existing Medical Condition up to $1,000.
  • Safe Travels USA – Primary accident/sickness medical insurance policy for foreign nationals below age age 89 years visiting the United States, cover travel to countries besides the USA, plan is renewable up to 24 months, covers Unexpected recurrence of a Pre-Existing Medical Condition up to $1,000.
  • Atlas Essential Insurance – Basic comprehensive plan for visiting USA or intl. travel, lower maximum limits with affordable costs.

Visitor Insurance Policy Types

Visitor Medical Insurance plans have been available for travelers for many years there are many plans underwritten by various insurance companies. Although there are several Visitor Insurance plans, one can classify them into two broad categories – Fixed Benefits Plans and Comprehensive Plans.

Comprehensive Visitor Insurance Plans

Visitor insurance policies typically do not have benefit limits based on the type of medical expense. Usually benefits for covered medical expenses go all the way up to the policy maximum (less deductible and co-insurance).

Typically for all covered medical expenses during the policy period the insured pays the deductible plus 20% of the first $5,000; and then the plan pays 100% of the eligible medical expenses up to the policy maximum.

The details for each visitors insurance policy such as the policy maximum, medical expense eligibility etc. are listed in the policy brochure.

Comprehensive medical insurance for visitors typically recommend or require you to use the hospitals and doctors in the PPO network. The advantage of using hospitals and doctors within a set preferred provider organization (PPO) network include minimizing your co-insurance amounts as hospitals/doctors bill is paid out at pre-negotiated discounted rate.

Comprehensive coverage visitors medical insurance plans have relatively higher premiums, but in turn offer better benefits than the scheduled or fixed benefit coverage.
NOTE: Policies that include coverage for the global COVID-19/SARS-CoV-2 coronavirus disease pandemic are marked: COVID-19 

Best Visitor Medical Insurance for USA

Review and buy the best visitor medical insurance plan for visiting USA, featuring popular plans offering a wide choice of benefits or top-rated comprehensive visitors insurance plans at affordable premiums, or fixed visitor insurance coverage with low-cost rates.

Patriot America Plus Insurance

Individuals & family visiting USA or international travel abroad

Patriot America Plus Insurance provides coverage for visitors to USA or non-US citizens traveling outside their home country. Patriot America Plus plan is very similar to the Patriot America Insurance policy, but the Patriot America Plus plan provides enhanced benefit for the feature Acute Onset of a Pre-existing Condition coverage” up to plan maximum selected for individuals under age 70. Patriot America Plus is underwritten by Sirius and is administered by International Medical Group (IMG).

  •  Covers COVID-19  – Coverage for testing/treatment of coronavirus included.

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Atlas America Insurance

Short-term travel health insurance for individuals visiting USA or traveling outside their home country.

Whether you are traveling for business or pleasure, Atlas America Insurance may be just what you’re looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports. Atlas Travel Insurance is underwritten by Lloyd's, and is administered by Tokio Marine HCC – Medical Insurance Services Group.

  •  Covers COVID-19  – Coverage for testing/treatment of coronavirus included.

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Patriot Platinum Insurance

Best coverage for individuals & family visiting USA or foreign travel to any nation


Patriot Platinum Insurance provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today. Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance Services. There are two plans available: Patriot Platinum International provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum America provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years. Patriot Platinum is underwritten by Sirius Insurance, and is administered by IMG.

  •  Covers COVID-19  – Coverage for testing/treatment of coronavirus included.

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Safe Travels USA Comprehensive Insurance

Safe Travels USA Comprehensive Insurance

Non-US Citizen/Resident Individuals & family visiting USA or to USA and Worldwide

Safe Travels USA Comprehensive Insurance is a temporary accident and sickness and emergency services to to individuals and families visiting USA and traveling worldwide, who are 89 years or younger by age. This plan is primary insurance and is suitable for tourists and visitors to the United States, such as relatives or parents visiting USA. Safe Travels USA Comprehensive can be initially purchased for a minimum of 5 days up to a maximum of 364 days, and can be renewed also. Safe Travels USA Insurance plan is administered by Trawick International, the policy is underwritten by Crum & Forster, SPC, rated A (Excellent) by A.M. Best.

  •  Covers COVID-19  – Coverage for testing/treatment of coronavirus included.

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Diplomat America Insurance

Short-term coverage for non-US citizens traveling to USA or outside their home country.

Diplomat America policy provides up to $500,000 in coverage for foreign nationals visiting the United States for up to a year. Diplomat America plan includes accident and sickness medical coverage, travel assistance services, and AD&D, repatriation, evacuation benefits and more to non-US citizens while traveling outside their home country to the United States. Coverage is available for you, a second adult, unmarried dependent children, or children traveling alone. The minimum period of coverage that can be purchased is 15 days, the maximum is 12 months, and the plan is not renewable. Diplomat America plan is administered by Global Underwriters, and is underwritten by Allied World Assurance Company, rated “A” (excellent) by A.M. Best.

  •  Covers COVID-19  – Coverage for testing/treatment of coronavirus included.

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Diplomat Long Term Insurance

International long term (LT) plan with renewable health coverage, three months to three years duration.


Diplomat Long Term Insurance (Diplomat LT) plan provides long term international travel medical coverage that can be purchased from three months up to three years. Diplomat LT policy provides up to $1,000,000 accident/injury and sickness/illnesss coverage, travel assistance services, optional home country coverage, and AD&D, repatriation, evacuation benefits and more, while traveling outside insured Home Country. Coverage is available for primary insured, a second adult, and unmarried dependent children, or children traveling alone. The minimum period that coverage can be purchased is 3 months, the maximum is 12 months., with extendable or renewable coverage up to 3 years. Diplomat LT plan is administered by Global Underwriters, and is underwritten by Allied World Assurance Company, rated “A” (excellent) by A.M. Best.

  •  Covers COVID-19  – Coverage for testing/treatment of coronavirus included.

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Liaison Travel Plus Insurance

Coronavirus plan for visiting USA or international travel, for 364 days or less.

Liaison Travel Plus Insurance is designed to protect visitors to the USA and travelers outside their home country in this new environment with Coronavirus infections. In this new environment with Coronavirus infections. Liaison Travel Plus includes US$100,000 coverage for COVID19, SARS-Cov-2 and any mutation or variation of SARS-CoV-2 if a traveler becomes ill with COVID-19 while traveling outside their home country, and limited to $50,000 if you select a $50,000 medical maximum, also includes an additional $500,000 for emergency medical evacuation and repatriation to transport a traveler to a medical facility with appropriate care, if medically necessary. The Liaison Plus plan has multiple co-insurance options, and can be purchased before or after arrival in the US also. Policy offers up to $5,000,000 in Medical Benefits, Emergency Evacuation, Repatriation, and 24-Hour Assistance Services, Pre-existing Condition waiver for U.S. citizens, acute Onset of Pre-existing Condition benefit for foreign nationals. This Seven Corners Insurance policy is underwritten by Certain Underwriters at Lloyd's, of London and Tramont Insurance Company Limited.

  •  Covers COVID-19  – Coverage for testing/treatment of coronavirus included.

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Liaison Choice Insurance

Individuals & family visiting USA or international travel, for 364 days or less.

Liaison Choice Insurance is best for visitors to the United States or travelers while outside of their fixed and permanent residence for 364 days or less. The Liaison Choice plan has multiple co-insurance options, and can be purchased before or after arrival in the US or travel outside home country. Policy offers up to $5,000,000 in Medical Benefits, Emergency Evacuation, Repatriation, and 24-Hour Assistance Services, Pre-existing Condition waiver for U.S. citizens, acute Onset of Pre-existing Condition benefit for foreign nationals. This Seven Corners Insurance policy is underwritten by Certain Underwriters at Lloyd's, of London and Tramont Insurance Company Limited.

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Fixed Benefits Visitor Medical Insurance Plans

Fixed benefit visitor medical insurance plans are affordable low-cost policies are characterized by various benefit limits for each type of covered medical expense. These benefit limits typically are not the same as the policy maximum.

For example, a policy with a $50,000 maximum limit may feature up to a maximum of $2000 for surgery, up to a maximum of $500 for diagnostic services (X-rays, scans) etc. The maximum amounts for different medical conditions and situations are detailed in the summary of benefits table in policy brochure.

Typically you are required to pay an initial deductible for each injury or sickness and then the plan pays for the rest of the covered expenses. You will be responsible for all charges in excess of the fixed benefits offered for each type of medical service.

Fixed benefit visitor medical insurance policies have no network of hospitals and doctors; the insured is free to seek treatment at any doctor, clinic, emergency room, urgent care center or hospital of their choice.

Scheduled benefits visitor medical insurance plans have the lowest premiums, but the consumer must be aware that the benefits offered are relatively limited as compared to the comprehensive coverage plans.

Best-Value Fixed Visitor Medical Insurance for USA

Review and buy a top-rated and best visitor health insurance plan for visiting USA, featuring popular fixed benefit visitor medical insurance plans with low-cost rates.

Visitor Secure Insurance

Low-cost fixed-benefit plan for USA visitors or international travelers.

VisitorSecure Insurance is a low-cost fixed benefit plan for relatives or parents visiting USA, or for travel by anyone outside America also. Quote and buy Visitor Secure Insurance that provides cheap and affordable scheduled or fixed benefit travel medical protection coverage for immigrants or travelers to the U.S., or for visiting any foreign destination outside home country. VisitorSecure plan is available from a minimum of 14 days up to a maximum of one year. Visitor Secure is underwritten by Lloyd's, and is administered by Tokio Marine HCC – Medical Insurance Services Group.

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Visitors Care Insurance

Low-cost fixed benefit plan Individual & family visiting USA

Visitors Care Insurance is a low-cost fixed benefit plan that is great insurance option when you have parents visiting the United States or for international travelers. Visitors Care Insurance provides affordable protection to citizens of any nation when traveling to the United States. VisitorsCare is is administered by IMG and underwritten by Sirius, a top-rated underwriter.

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Inbound USA Insurance

Basic medical coverage for non-U.S. citizens visiting USA on trips between 5 and 364 days.

Inbound USA Insurance is a a fixed or scheduled benefit program providing basic medical coverage for non-U.S. citizens visiting the United States of America, with trips between 5 and 364 days for visitors to USA. Inbound USA is an affordable low-cost fixed benefit insurance option when you have parents visiting USA or for international travelers visiting America for a short-term duration up to a year. Inbound USA Insurance provides basic medical protection to citizens of any nation when traveling to the United States. Inbound USA Insurance plan is available in three plan options: Elite, Choice or Basic. InboundUSA is underwritten by Lloyd's, and is administered by SevenCorners Insurance.

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Visitor Medical Insurance Review

Visitors Health Insurance plans focus on providing cover for your medical expenses resulting from emergency illness or accidental injuries during your travel to any country. You can review, compare, quote, apply, purchase and/or buy visitors medical insurance plans online and you can specify the cover start date.

Medical insurance for visitors will also provide sickness or injury coverage for trips to a foreign country of residency from five days upto 3 years, and offer plans with many levels of insurance coverage benefits (maximum benefit range from $50,000 to $1,000,000 or more), various deductible levels (from $0 to $2500) and many options that can added (additional cover for hazardous sports, athletics, terrorism, etc).

Visitor Medical Insurance Features

Some of the commonly included salient features in visitor medical insurance plans are:

  • Emergency medical expenses
  • Sudden dental pain covered
  • Prescription drugs and labs/diagnostics
  • Acute onset/relapse of pre-existing condition coverage
  • Emergency medical evacuation
  • Repatriation of mortal remains
  • Cremation or burial costs
  • Emergency medical reunion
  • Accidental death & dismemberment (AD&D)
  • Flight accident or common carrier accidental benefit
  • Home country coverage on return
  • Trip cancellation
  • Trip interruption

Medical Insurance for Visitors Overview

  • Various levels of Deductibles and Co-insurance: Deductibles (the amount you will pay prior to payments from the insurance company) range from $0 to $2500. Co-insurance is the percentage or amount of covered expenses that you pay.
  • Exclusion for cover of pre-existing medical conditions
  • Secondary coverage: Implies in the event of loss or claim the plan will pay the remaining benefits after all other insurance plans your possess have made payments against the claim
  • Support for policy extensions or renewals
  • Flexibility on your return date with renewable policies
  • Insurance available even for seniors over 70 and 80 years also
  • The cost of the policy is dependent on age, level of Insurance and length of stay
  • Reduced rates for dependent children
  • Most plans can make direct payments to hospitals and doctors

Visitor Medical Insurance Updates

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Visitors Medical Insurance – Things to Consider

  • Plan Type: Fixed benefits vs. Comprehensive.
  • Maximum Coverage Type: Plan Life vs. Per Incident.
  • Deductible Type: Plan Life vs. Per Incident.
  • Shortest Initial Policy Period: Some visitor medical insurance policies require you to purchase a certain minimum time period (i.e. 5 days, 1 month, 3 months, annual etc.) to start the policy. Make sure the shortest initial coverage period for the plan is less than the desired period of coverage. Most plans that require 3 month up-front purchase will permit monthly renewals after the initial 3 month purchase.
  • Renewal Feature: If you are not certain about your return date, then consider a visitor medical insurance plan that supports renewals. The advantage of renewing an existing policy over purchasing a fresh one after the expiry of the first one include, no fresh co-insurance/deductibles and illness/injuries incurred during the first period of coverage not being classified as pre-existing conditions for the extension.
  • Good network of hospitals/doctors: Each plan uses a unique network of hospitals / doctors / clinics / laboratories in your local zipcode, so it helps to make there is good number of care providers close to the neighborhood where you will be staying in the United States / USA.