Traveling to the United States is an exciting experience filled with opportunities to explore vibrant cities, national parks, and cultural landmarks. But as thrilling as the adventure can be, the U.S. healthcare system is one of the most expensive in the world. That’s why having travel insurance for tourists in USA is not just smart—it’s essential.
In this guide, we’ll break down why you need travel insurance for USA visitors, what it covers, average costs, and how to find the best travel insurance for foreign tourists in the USA.
Why Tourists Need Travel Insurance in the USA
The United States does not offer free healthcare to foreign visitors. Whether you’re visiting on a B1/B2 visa, an ESTA through the Visa Waiver Program, or a tourist visa from another country, you’re not covered by U.S. healthcare. A single emergency room visit can cost upwards of $2,000, and hospitalization could result in bills over $10,000.
Common Scenarios Where Travel Insurance Helps:
- Accidents and injuries
- Emergency surgeries or hospital stays
- Prescription medication during your visit
- Medical evacuation and repatriation
- Trip interruption or cancellation
- Lost or delayed luggage
Without proper USA travel medical insurance, you could end up with massive out-of-pocket expenses.
According to the U.S. Department of State, travelers are strongly advised to purchase health insurance before arriving in the United States.
What Does Travel Insurance for USA Tourists Cover?
Most travel insurance plans for tourists in the USA offer a range of benefits depending on your policy. Here’s what a standard comprehensive plan typically includes:
1. Emergency Medical Expenses
Covers costs related to unexpected injuries or illnesses, including hospital stays, X-rays, surgeries, and lab tests.
2. Emergency Evacuation
Pays for airlift or ground transport to the nearest suitable medical facility or back to your home country.
3. Repatriation of Remains
In the unfortunate event of death, the cost to return remains to the home country is covered.
4. Trip Cancellation or Interruption
If you need to cancel or shorten your trip due to a covered reason (like illness or a family emergency), you’ll be reimbursed for non-refundable expenses.
5. Baggage Loss and Travel Delays
Covers stolen or lost luggage and unexpected travel delays due to weather or carrier issues.
Average Cost of Travel Insurance for Tourists in USA
The cost of travel insurance for tourists in USA varies depending on the traveler’s age, duration of stay, medical coverage amount, and selected deductible. On average:
- Basic coverage for a 30-year-old visiting for 30 days: $40–$70
- Senior traveler (60+) for the same duration: $100–$200
- Family of 4 for 2 weeks: $150–$300
Key Factors Affecting Price:
- Age: Older travelers pay more
- Duration: Longer visits cost more
- Coverage Limit: Higher limits = higher premium
- Add-ons: Adventure sports, maternity, or pre-existing condition coverage adds to the cost
Use comparison sites like VisitorsCoverage or Insubuy to find a plan that fits your needs and budget.
Best Travel Insurance Plans for Tourists in the USA (2025)
There are many reputable providers offering travel medical insurance USA. Below are some of the top-rated options:
1. IMG Global – Patriot America Lite
- Great for tourists seeking basic to moderate coverage
- Offers up to $1,000,000 in medical coverage
- COVID-19 covered like any other illness
More info: imglobal.com
2. Trawick International – Safe Travels USA Comprehensive
- Suitable for older travelers and pre-existing conditions
- Includes trip interruption and baggage loss
Visit: trawickinternational.com
3. Seven Corners – Liaison Travel Plus
- Popular with international tourists
- Offers optional sports coverage
- Good customer support
More at: sevencorners.com
4. Atlas America by WorldTrips
- Widely accepted in U.S. hospitals
- Budget-friendly for short-term visits
- Excellent coverage for acute onset of pre-existing conditions
Details: worldtrips.com
How to Choose the Right Insurance Plan
To choose the best travel insurance for foreign tourists in the USA, consider the following:
1. Evaluate Your Health Needs
If you have pre-existing conditions or are over age 60, choose a plan that covers those needs.
2. Check Policy Limits
Look for at least $100,000 in medical coverage, especially if you’ll be in the U.S. for more than a few weeks.
3. Read the Fine Print
Understand the exclusions, waiting periods, and whether COVID-19 is covered.
4. Use Comparison Tools
Sites like VisitorsCoverage allow you to filter by budget, age, and coverage to make an informed decision.
Do Tourists Need Health Insurance to Enter the USA?
As of now, the U.S. does not require proof of travel insurance for tourists. However, it’s highly recommended to protect yourself from high medical bills during your stay.
Some U.S. visa types (like J1 and some immigrant visas) do require specific types of insurance coverage. If you are applying for a tourist visa (B1/B2), insurance is not mandatory but often inquired about during visa interviews.
Tips for Saving Money on Travel Insurance
- Buy early: Some plans offer better rates if purchased in advance
- Opt for higher deductible: Lowers monthly premiums
- Bundle policies: Family plans often offer discounts
- Choose only what you need: Avoid unnecessary add-ons
- Use promo codes: Insurance brokers occasionally offer deals
Frequently Asked Questions (FAQs)
How much is travel insurance for the USA for a 2-week trip?
For a 30-year-old traveler, a basic plan could cost between $20 and $50.
Can I buy travel insurance after arriving in the USA?
Yes, some providers allow post-arrival purchases, but it’s best to buy before traveling to ensure immediate coverage.
Does travel insurance cover COVID-19 in the USA?
Most plans now include COVID-19 treatment, but always confirm before purchasing.
What happens if I need medical care without insurance in the USA?
You will be personally responsible for all medical expenses, which can be financially devastating.
Final Thoughts
Traveling to the USA is an unforgettable experience, but it comes with certain risks—especially when it comes to health and safety. Buying travel insurance for tourists in USA ensures that you’re protected from financial setbacks due to unforeseen medical emergencies, trip delays, or accidents.
With the right plan, you can explore the country with peace of mind, knowing you’re covered. Whether you’re visiting for two weeks or several months, compare and purchase your USA travel medical insurance in advance using trusted sources like:
