Visitors insurance primarily provides coverage if you were to unexpectedly get sick or injured while visiting the United States.
Visitors insurance may be comprised of various benefits, some of these standard benefits may include:
Visitors insurance will generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Medical expenses are very high in the United States. While fixed coverage plans provide limited coverage according to schedule of benefits, comprehensive coverage provides the coverage in terms of percentage (80%, 90% and so on).
Most comprehensive coverage plans participate in a PPO network which has many participating doctors or hospitals all over the U.S. that bill the insurance company directly and also charge you only the network negotiated fees.
Learn MoreMany visitors insurance plans provide coverage for acute onset of pre-existing conditions up to certain extent for persons below a certain age. This benefit is immensely helpful for elderly visitors to the U.S. who may be suffering from pre-existing conditions. It is meant to cover sudden and unexpected emergencies and not meant to cover routine maintenance of pre-existing conditions.
Learn MoreIn case you need to return back to your home country prematurely due to covered reasons; such as your house is on fire or flooded; trip interruption coverage will help you pay for the additional expenses to make necessary arrangements.
In case you were to become seriously sick or injured in a remote location while on your trip, emergency medical evacuation would transport you to the nearest medical facility where adequate care can be given. Once you are stable enough to travel, it may also pay for you to return to your home country.
Learn MoreReturn of mortal remains would pay for transportation of your remains or local cremation if you were to pass away while on your trip.
Learn MoreIf the airline were to permanently lose your checked luggage, this benefit would help pay for the essentials that would be immediately necessary upon your arrival to the destination.
This coverage would provide lump sum amount to you or your family if you were to become dismembered or passed away in an accident. Some plans provide coverage only while traveling in a common carrier, such as a plane, bus, or train.
Learn MoreHealthcare is extremely expensive in the United States.
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Get QuotesAbsolutely! We recommend that all foreign visitors purchase visitors insurance prior to traveling to the USA.
You can purchase visitors insurance either before or after you arrive in the USA. However, keep in mind that you will only be covered for events that occur after the effective date of the policy.
Yes. Visitors insurance is available to anyone who is a non-US resident and taking a trip where travel includes the USA.
Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:
If you are taking multiple short trips throughout the year, you should consider annual travel insurance instead of buying insurance for every trip. You don't have to remember to buy the insurance for your every trip and it provides a higher amount of coverage at a lower price.
Individual visitors insurance plans are meant for individual and families. For group of 5 travelers or more that will be traveling together and have the same travel dates, it is worthwhile to look at the group travel insurance plans. They provide the same coverage as the individual plans but are usually 10% cheaper.
Our insurance guide makes it very easy to navigate the complexities of visitor medical insurance.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
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