When planning a trip to the United States, one of the most important things you should consider is visitors insurance. Visitors insurance is a short-term insurance plan that covers you in the event that you need medical treatment within the duration of your trip. While most travelers don’t except to require medical care while abroad, the unexpected can always occur, and being stuck with an expensive U.S. medical bill can be devastating.
Foreigners visiting the United States may not understand just how expensive healthcare is without insurance. A trip to the hospital can end of costing tens of thousands of dollars when paying out of pocket. This is why the small investment into a visitors insurance plan can protect you from a huge unexpected financial cost if anything were to happen while on your trip is well worth the cost. Plus, getting visitors insurance can be done online and is quick and easy to do!
We understand that shopping for a visitors insurance plan can be overwhelming, which is why we’ve compiled an easy-to-understand list of our top 4 recommended visitors insurance plans for USA.
Top 4 Visitors Insurance Plans for USA
CoverAmerica – Gold
CoverAmerica-Gold is a comprehensive insurance plan that is a top choice among travelers to the U.S. for a multitude of reasons. It offers excellent coverage and includes outstanding features such as loss of a passport, international missed flights connections, and border entry protection if the policyholder is denied entry into the United States. CoverAmerica – Gold also has the added advantage of having coverage up to the policy maximum should there be an acute onset of pre-existing conditions for those under the age of 70.
CoverAmerica – Gold
Comprehensive Coverage Plan
Ranked as one of the most popular travel medical insurances that provides 100% coverage after deductible, CoverAmerica – Gold has a multitude of favorable features that makes it the best visitors insurance for parents visiting the USA.
Plan Highlights
- Rated “A” plan
- 100% coverage in network after deductible
- Comprehensive coverage for treatment and services related to Covid-19 if contracted after the policy effective date
- Free cancellations
- Extensions at no extra fee
- Urgent care copay $15, waived if $0 deductible is selected
- Coverage for emergency dental treatment, emergency eye exams & flu shots
- Acute onset of pre-existing conditions coverage up to policy maximum for those 69 and under, and up to $30,000 for ages 70-79
- Provides amusement park coverage, cruise coverage, border entry protection
Patriot America Plus
Patriot America Plus is an ideal travel medical insurance plan for the US as it offers comprehensive coverage and covers 100% of eligible medical conditions within the PPO network. Similar to CoverAmerica – Gold, this plan also covers the acute onset of existing conditions, making it an ideal plan for younger and older travelers alike.
Patriot America Plus
Comprehensive Coverage Plan
Patriot America Plus covers 100% of eligible medical conditions within the PPO network in the U.S and internationally. If you are looking to have insurance coverage within a PPO network and also want a comprehensive visitor visa plan, the Patriot America Plus which covers a time frame anywhere between 5 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 after the deductible
- PPO network
- Renewable and cancellable
- Coverage during international travel
- Up to the policy maximum for acute onset of pre-existing conditions coverage for those under the age of 70
Atlas America
Atlas America is a comprehensive travel medical insurance plan that gives the insured more flexibility in care as it covers 100% of conditions treated both in and out of the PPO network, meaning you can visit any doctor or hospital of your choice.
Atlas America
Comprehensive Coverage Plan
Atlas America covers a policyholder up to 100% for eligible medical conditions both in and out of the PPO network. This takes the worry out of evaluating the medical provider based costs for treatment and services. 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 in or out of the network/li>
- 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 medical maximum of for those 69 and under, and up to $100,000 for ages 70-79
ChoiceAmerica
ChoiceAmerica is a budget option for visitors insurance as it is low cost and offers basic travel medical coverage. It pays a fixed amount per incident up to the policy maximum, and is considered a limited plan. While it is low cost, it offers less coverage and fewer benefits than the plans listed above.
ChoiceAmerica
Limited Coverage Plan
For a basic travel medical insurance that allows you to visit any doctor or hospital, ChoiceAmerica is your best option. It is low cost and has a pre-defined limit for each medical service and treatment received for eligible medical conditions. Although this plan is not available to US citizens or residents, it does cover amusement parks and cruises in North America.
Plan Highlights
- Plan pays fixed amount per incident up to policy maximum
- Basic coverage, low cost, less benefits
- Coverage for Covid-19 treatment and flu shots
- Renewable and cancellable
- Optional pre-existing condition coverage
- Urgent care/walk-in clinics
- Coverage for border entry denial
- Coverage for adventure sports and amusement park injuries
- Coverage for loss of passport and essential travel documents
Any of the four visitors insurance plans listed above are an excellent option for any visitor traveling to the United States. Give yourself peace of mind and protect yourself from extreme medical bills with a visitors insurance plan. Visit VisitorsCoverage today to compare plans and find the best travel health insurance that fits your individual needs.
Disclaimer
The information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.
