Does a Visitor to the US Need Medical Insurance?
There are several reasons why all visitors to the US should have visitors medical insurance.
- llness, injuries, and medical emergencies don’t take a vacation just because you do. It’s essential to have medical insurance coverage that will be accepted in the United States. Visitors insurance can provide this coverage.
- Unlike in your home country, it typically isn’t possible to pay for medical care out of your own pocket in the US. A few days in the hospital could cost tens of thousands of dollars here. Major surgery can easily cost hundreds of thousands. You must have visitors medical insurance to protect yourself or your visiting loved ones from these massive costs.
Why Trust Us?
Insubuy has been a leader in international medical insurance coverage since the year 2000. We’ve matched hundreds of thousands of travelers with the perfect visitors medical insurance coverage over the past 25 years, and we’ve been recognized as one of the top travel medical insurance brokers in the industry.
Our licensed, USA-based agents have decades of combined experience. Couple this with our industry-leading insurance marketplace, and there’s no better to buy the visitor health insurance USA visitors need.
The Best Medical Insurance Plans for Visitors to the USA
Below is a selection of what we believe are some of the best comprehensive visitors medical insurance plans currently on the market. Take some time to review the benefits they offer, and get instant quotes and purchase when you're ready.
Overview
Outside PPO network: After deductible, pays 90% to $5,000, then 100% to policy maximum.
Direct Billing
Acute onset of pre-existing conditions
Overview
Direct Billing
Acute onset of pre-existing conditions
Overview
Direct Billing
Acute onset of pre-existing conditions
Overview
Outside PPO Network: After deductible, pays 60% to policy maximum.
Direct Billing
Pre-Existing Conditions
What Does Visitors Medical Insurance for the USA Cover?
Though all travel insurance for America will differ slightly, you can count on most comprehensive visitors insurance plans to provide the following coverages:
- Emergency medical care
- Emergency medical evacuation
- Return of mortal remains
- PPO network participation
- Acute onset of pre-existing conditions
- Accidental death and dismemberment
- Baggage loss
- Trip interruption
How Much Does Medical Insurance for Visitors to the USA Cost?
The exact cost of medical insurance for the USA will vary depending on the plan you select, your age, and the length of your trip. However, it is certainly possible to purchase coverage for as little as $5 per day or less for certain age groups.
Every visitors medical insurance plan Insubuy sells offers a lowest price guarantee. Insurance prices in the USA are regulated by law, so it is not possible to find the same coverage for a lower price anywhere else.
How we Choose the Best Medical Insurance for USA Travel
Our method for choosing the best travel insurance in USA for foreigners is based upon decades of research and customer feedback. As an independent insurance broker, we aren’t required to favor any one company or plan over another. We simply suggest the best plan for your needs based on the information you provide us, regardless of what company administers the insurance. We only sell plans we would be comfortable being insured by ourselves, so you can trust that you’ll always get quality coverage with Insubuy.
Types of Health Insurance for US Visitors
There are two primary types of health insurance for tourists in the USA: fixed and comprehensive. Let’s compare their differences.
Fixed Coverage Visitors Insurance
- Cheaper to purchase but provides far fewer benefits.
- Pays a fixed amount for every procedure according to a schedule of benefits which may not cover the entire treatment cost.
- Most fixed plans do not participate in PPO networks, meaning you cannot take advantage of direct (cashless) billing, and you will not be charged the lower, network-negotiated treatment rates found in PPO networks.
Comprehensive Coverage Visitors Insurance
- More expensive to purchase but offers far greater benefits.
- Plans pay a set percentage to a certain amount, then up to 100% of remaining costs to the policy maximum for covered procedures.
- Most plans offer PPO network participation for lower treatment costs and direct (cashless) billing.
We always recommend all customers purchase comprehensive visitors insurance plans.
How to Choose the Best Travel Medical Insurance with Insubuy
It’s easy to get the best health insurance for visitors to USA with Insubuy. All you have to do is fill out the convenient quote form to get instant quotes and compare plans side by side. You can purchase coverage in minutes and it can begin as soon as the next day, no doctor’s exam required.
Frequently Asked Questions About Best Medical Insurance for USA Visitors
Can a visitor to the US get health insurance?
A visitor to the US can get health insurance in the form of visitors medical insurance. You can purchase it in minutes right here on this website.
What insurance do I need to travel to the USA?
The insurance you need to travel to the USA as a tourist is visitors medical insurance. If you’re traveling to the USA as an international student, you will need international student insurance. If you’re visiting the US on a J1 visa as part of an exchange program, you will need exchange visitor insurance.
Which medical insurance is best for travel to the USA?
The best medical insurance for travel to the USA is the plan with a premium and deductible you can afford, a high enough policy maximum to cover major medical care, coverage for acute onset of preexisting conditions if applicable, and other benefits that will vary depending on your priorities.
To find the best medical insurance for visitors to USA, fill out the quote form and get your free quotes today!
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.