If you or your loved ones are planning a trip to the United States, one essential thing to prepare for is visitor health insurance. The cost of health insurance for visitors to USA can vary widely depending on age, duration of stay, coverage limits, and more. Without insurance, a simple emergency room visit could cost thousands of dollars out-of-pocket.
This guide will break down the visitor health insurance USA cost, what influences the price, and how to find the best plan for your needs and budget.
Why You Need Health Insurance as a Visitor in the USA
Healthcare in the U.S. is among the most expensive in the world. Tourists, short-term visitors, and even family members visiting on B1/B2 visas are not eligible for public healthcare programs like Medicare or Medicaid.
That means health insurance for tourists in USA is essential to avoid huge medical bills in case of:
- Emergency room visits
- Hospitalization
- Accidents or injuries
- COVID-19 or illness
- Medical evacuation
According to Healthcare.gov, even a minor procedure in the U.S. can cost thousands without coverage. That’s why purchasing USA visitor insurance is a smart investment before your trip.
What Is the Average Cost of Visitor Health Insurance in the USA?
The visitor health insurance USA cost typically ranges between $30 to $300 per month, depending on several key factors.
Key Cost Factors:
- Age of the Visitor
Older travelers (especially above 60) generally pay higher premiums. - Duration of Stay
Longer stays lead to higher total costs, though some plans offer discounts for extended coverage. - Coverage Amount
Most plans offer choices between $50,000 to $500,000 in maximum benefits. - Deductible
Choosing a higher deductible usually lowers your monthly premium. - Pre-Existing Conditions
Plans that offer limited or acute-onset coverage for pre-existing conditions are often more expensive. - Add-ons (Optional Coverage)
Some plans allow add-ons like accidental death, adventure sports, and COVID-19 coverage, which can affect pricing.
Example Price Breakdown
| Age Group | Coverage | Deductible | Monthly Premium |
|---|---|---|---|
| Age 30 | $100,000 | $250 | $40–$60 |
| Age 50 | $100,000 | $250 | $60–$90 |
| Age 70 | $50,000 | $250 | $100–$200 |
| Age 80+ | $50,000 | $500 | $200–$300 |
For accurate pricing, you can use visitor insurance price comparison tools like:
Insubuy or VisitorsCoverage
Types of Visitor Insurance Plans
There are different types of temporary medical insurance for visitors depending on the visitor’s needs and travel duration.
1. Fixed Benefit Plans
- Lower cost, limited coverage
- Covers fixed amounts per treatment
- Best for low-risk travelers or short trips
2. Comprehensive Plans
- More expensive, higher benefits
- Covers actual medical costs (after deductible)
- Recommended for seniors or those staying longer
Comprehensive plans typically offer better value despite higher premiums.
What’s Included in Visitor Health Insurance?
Most travel medical insurance USA plans include:
- Emergency medical care
- Hospitalization and surgery
- Diagnostic tests and lab work
- Doctor consultations
- Emergency evacuation and repatriation
- Prescription drugs
Some plans may also include COVID-19 treatment, but be sure to check the specific plan terms.
Best Visitor Insurance USA Providers (2025)
Here are some of the top-rated insurance providers offering quality and affordable visitor insurance plans:
1. IMG (International Medical Group)
Popular plans: Patriot America Lite, Patriot America Plus
Coverage options: Up to $1 million, including COVID-19
Website: imglobal.com
2. Trawick International
Popular plan: Safe Travels USA Comprehensive
Known for strong coverage and pre-existing condition waivers
Website: trawickinternational.com
3. Seven Corners
Popular plans: Liaison Travel Plus, Liaison Basic
Good for all age groups with emergency and evacuation coverage
Website: sevencorners.com
4. VisitorsCoverage
An insurance marketplace to compare and purchase plans from multiple providers in one place.
Website: visitorscoverage.com
How to Save Money on Visitor Insurance
While insurance is essential, there are ways to reduce the overall cost of health insurance for visitors to USA:
- Choose a higher deductible to lower the monthly premium
- Go for a fixed benefit plan if you’re on a tight budget and healthy
- Avoid unnecessary add-ons if they don’t apply to your travel needs
- Compare multiple plans using trusted platforms to get the best deal
- Opt for longer duration plans for lower daily rates
Using a visitor insurance price comparison tool helps you explore plans side-by-side.
Frequently Asked Questions (FAQs)
How much does visitor insurance cost in USA for a 65-year-old?
For a 65-year-old, plans can range from $80 to $150 per month, depending on the provider and coverage options.
Is visitor insurance mandatory in the USA?
It is not mandatory but strongly recommended due to the high cost of healthcare in the U.S.
Can I buy visitor insurance after arriving in the USA?
Yes, many plans allow purchase even after arrival, but coverage may begin only after the application is approved.
What’s the best visitor insurance USA for seniors?
Plans from providers like IMG, Trawick, and Seven Corners are often rated best for senior travelers.
Does visitor insurance cover COVID-19?
Most comprehensive plans now include COVID-19 coverage, but always check the policy details to be sure.
Final Thoughts
Understanding the visitor health insurance USA cost helps you make informed, budget-conscious decisions before you travel. While prices can vary, most travelers can find affordable, high-quality plans tailored to their age, needs, and length of stay.
Before booking your flight, compare quotes and secure your travel medical insurance USA coverage. It’s a small cost for peace of mind—and potentially massive savings.
