Travel Insurance Plans for USA Visitors

Traveling to the United States of America from any country can be an expensive proposition. However, traveling without traveler’s medical insurance can turn out to be even more expensive. Having travel insurance will not only protect you from unforeseen medical emergencies but also cover you for travel contingencies.

Irrespective of your physical health or the perfect itinerary, opting for the ideal travel insurance can be a daunting task. We have carefully selected the travel medical insurance plans with the lowest prices and highest ratings that ensure you are able to make proper comparisons and informed decisions.

You can get quotes, compare plans, and buy visitor insurance online.


Travelers can choose between a comprehensive plan and a limited coverage plan. Read more about types of USA Visitor Insurance.


Best Travel Insurance Plans for USA

The following plans are ideal for parents or elderly travelers visiting the US because they provide comprehensive coverage and some amount of acute onset of pre-existing conditions coverage. Each plan has different features to fit every traveler’s unique needs, so be sure to read each plan details carefully to find the best plan for you.

CoverAmerica - Gold
Comprehensive Coverage Plan

Ranked as one of the most popular travel medical insurances, that provides 100% coverage after dedutible, CoverAmerica-Gold has a multitude of favorable features that makes it the best visitors insurance for parents visiting the USA. These include unique coverage like that of the loss of a passport, international missed flights, and border entry protection. CoverAmerica-Gold has the added advantage of having up to $125,000 available, should there be an acute onset of pre-existing conditions. This also leads up to the next major bonus of having an urgent care consultation copay of just $20-$25.

Plan Highlights
• Rated "A" Plan
• 100% coverage in network after deductible
• Urgent care copay $20-$25, depending on policy max
• Coverage for emergency dental treatment and eye exams
• Acute onset of pre-existing conditions coverage up to $125,000 for those 69 and under, and up to $30,000 for ages 70-79
• Free Wellness Discount Card
• Provides Amusement Park Coverage | Cruise Coverage | Border Entry Protection

Patriot America Plus
Comprehensive Coverage Plan

This plan has a 100% coverage up to the policy maximum for covered services in the US and international trips. If you are looking to have insurance coverage within a PPO network and also want a comprehensive plan, the Patriot America Plus which covers a time frame anywhere between five days to 365 days of your travel is your answer to the most suitable travel medical insurance.

Plan Highlights
• Rated "A" Plan
• 100% Coverage In Network
• PPO Network
• Renewable and Cancellable
• Coverage during international travel
• Up to $500,000 coverage for acute onset of pre-existing conditions

Atlas America
Comprehensive Coverage Plan

Atlas America has the double advantage of not only covering the PPO network but also protecting you out-of-network as it pays the Usual, Reasonable and Customary amounts prevalent in that region. This takes the worry out of evaluating the medical provider based on costs attached. Atlas America can be cancelled even after the policy has become effective as long as no claims have been filed. This gives the buyer a lot of flexibility as seen in the details below.

Plan Highlights
• Rated "A" Plan
• 100% Coverage
• PPO Network
• Renewable and Cancellable
• Coverage during international travel
• Acute onset of pre-existing conditions coverage up to $2,000,000 for those 69 and under, and up to $100,000 for ages 70-79

Liaison Travel Choice
Comprehensive Coverage Plan

This plan is a boon to the traveler with pre-existing conditions since it pays up to $30,000 for the acute onset of these pre-existing conditions. It is also advantageous for this traveler since he gets a free discount card applicable at most pharmacies. Liaison Travel Choice pays 90% of the first $5000 and then covers 100% after for anything within the network. Read below for more details.

Plan Highlights
• Rated "A" Plan
• 90%-100% Coverage
• PPO Network
• Renewable and Cancellable
• Coverage during international travel
• Up to $30,000 coverage for acute onset of pre-existing conditions

Budget Travel Insurance Plans:

Limited coverage plans tend to be a bit more affordable than comprehensive coverage plans, but they also only provide basic protection, which, depending on your needs, may not be enough. Make sure to read the plan details carefully to know exactly what is covered and what is not covered by a limited coverage travel medical insurance plan.

ChoiceAmerica
Limited Coverage Plan

For a basic travel medical insurance that allows you to visit any doctor or hospital, ChoiceAmerica is you best option. It is low cost and has a pre-defined limit for each medical service that takes out the guess work out of the equation. Although this plan is not available to US citizens or residents, it does cover amusement parks and cruises in both North and South America.

Plan Highlights
• Plan pays fixed amount per incident up to policy maximum
• Basic coverage, low cost, less benefits
• Coverage from 5 days to 12 months
• Renewable and Cancellable
• Limited pre-existing condition coverage
• Coverage for border entry denial
• Coverage for adventure sports and amusement park injuries
• Coverage for loss of passport and essential travel documents

Inbound USA
Limited Coverage Plan

Plan Highlights
• Plan pays fixed amount per incident up to policy maximum
• Basic coverage, low cost, less benefits
• Coverage from 5 to 364 days
• Renewable and Cancellable
• Up to $130,000 coverage for acute onset of pre-existing conditions

Disclaimer: The information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.

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