With inward tourism to the US on an upward trend in the last couple of years, there has been an influx of foreign visitors here. While traveling to the US is always a wonderful experience, foreign visitors should protect themselves from unexpected injuries or illnesses with the right kind of health insurance.

When exploring different kinds of health insurance for foreign visitors, you may have to go through a maze of options and small print. To help you make the right choice, we have identified the following key features that you should look for while shopping for health insurance as foreign visitors when visiting the US:

Coverage and Type of Plan

As a foreign visitor to the US, it is important that you are covered by the right kind of health insurance. Understanding the type of plan and its coverage will help you determine if you need a fixed coverage plan or a comprehensive health insurance coverage plan that which will serve your needs better. A comprehensive plan provides better coverage and flexible options. It is important to know the differences between comprehensive and limited coverage plans before making your decision.

Provider Network

Renewability

Cost

Travel-Related Coverage


When choosing a health plan for foreign visitors, be sure to look for the features listed above as well as its popularity, the online reviews for the insurance provider and the credibility of the source from which you are buying your coverage.

What are the Best Health Insurance Plans for Foreign Visitors To the US?

With so many options out there, it is important that you pick a plan that suits your needs, your trip and your specific health conditions. Be it one that covers pre-existing conditions, or one that is limited in nature, we have identified the best health insurance plans for foreign visitors in the US that can be tailored for individual needs.

Comprehensive Health Insurance Plans

As a foreign visitor to the US, the price of Limited plans tends to be very appealing as they are much lower than that of comprehensive plans. However, the downside of a cheaper plan is that they dont provide nearly as much coverage in situations in which medical attention is needed and the foreign visitor often ends up paying the majority of the bills out of his own pocket. The following health insurance plans are the best options when it comes to Comprehensive Health Insurance Plans

Cover America Gold

CoverAmerica Gold is a visitor health insurance plan that provides medical insurance coverage and emergency services for foreign visitors traveling to the USA. It also covers incidental trips to Canada, Mexico, Bahamas, Latin America and South America, while visiting the USA. After the deductible is satisfied, within the PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside the PPO network, the plan will pay 100% of URC up to the policy maximum of eligible medical expenses.

Highlights:

  • Cover America Gold is the only comprehensive travel medical insurance plan that covers Covid-19 virus related illnesses right from screening to quarantine to treatment
  • Cover America Gold has the added bonus of being covered with a return flight to the home country if the trip is cut short due to medical reasons
  • It has the up to $125,000 available should there be an acute onset of pre-existing conditions.
  • This also has the advantage of urgent care consultation copay of just $20-$25.
  • Lastly, if the insured person buys a policy for at least 30 days, he is eligible for a free Public Health Emergency Screening even when a travel warning is in place for the country of destination.

Related Article: 10 Reasons CoverAmerica-Gold is the Best Visitors Insurance Plan for the USA

Patriot America Plus

This plan has a 100% coverage upto the policy maximum for covered services within the US for all foreign visitors. This covers anywhere between five days to 365 days of your travel and lets you enjoy a whole year of worry-free trips within the US.

Highlights:

  • Covers upto $500,000 of acute onset of pre-existing conditions.
  • Renewable and Cancellable

Limited Health Insurance Plans

These are always less expensive than others and a foreign visitor to the US can purchase these if he is looking for a basic coverage and looking for a fixed limited dollar amount for every service and treatment.

Choice America

ChoiceAmerica is a travel medical insurance for foreign visitors to the United States. It is a basic travel medical insurance plan that has fixed pre-defined limit for each medical service.You visit any doctor or hospital of your choice.

Highlights:

  • The foreign visitor may purchase a rider at an additional cost to cover pre-existing conditions.
  • The fixed limited dollar amount for each unexpected treatment allows the visitor to plan expenses accordingly and takes the guess work out of the equation.

Visitors Secure

Tailored for foreign visitors coming to the US, VisitorSecure insurance is a basic, cost-effective travelers health insurance that provides fixed pre-defined coverage benefits for each medical service. You may visit any doctor or hospital of your choice.

Highlights:

  • Will cover the foreign visitor during the travels.
  • Will provide coverage for acute onset on pre-existing conditions
  • Covers Covid-19 treatment as well as Flu shots


If you traveling to the US and are looking for health insurance, heres where you can compare the many health insurance plans to best suit your specific needs

Health Insurance for Foreign Visitors

Get travel medical insurance that fits your needs

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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 travelers 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
  • Quarantine benefit ($50/day 10-day max)
  • 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

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
  • PPO Network
  • 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
How to save money and find the best Visitors Insurance to USA?

Compare all plans for the pricing and features side by side and select one that meets your budget and fits your need.

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