Visitors Insurance: Travel Insurance For USA Visitors

Shawn Plummer

CEO, The Annuity Expert

Can a Visitor Get Health Insurance in the USA?

Yes, visitors to the USA can obtain health insurance. This type of insurance, known as visitors’ insurance or travel health insurance, is specifically designed for individuals traveling to the USA from other countries. It covers medical emergencies, accidents, and sometimes pre-existing conditions, depending on the policy.

Visitors Insurance When Coming To The United States

How Does Visitors Insurance Work?

  1. Purchase Before Travel: Visitors should buy insurance before traveling to the USA.
  2. Coverage Duration: Policies can be short-term, covering the duration of the visit.
  3. Claim Process: In case of a medical issue, the insured person files a claim with the insurance provider.
  4. Direct Payment or Reimbursement: Some hospitals may bill the insurance provider directly, or the visitor may pay upfront and get reimbursed later.

How Much Does Visitor Health Insurance Cost?

  • Factors Affecting Cost:
    • Age of the Visitor: Older visitors typically pay higher premiums.
    • Length of Stay: Longer stays result in higher total cost.
    • Coverage Amount: Higher coverage limits increase the premium.
    • Medical History: Pre-existing conditions may affect the cost.
  • Average Cost Range: Premiums can range from $50 to over $200 per month, varying greatly based on the above factors.

Visitor Health Insurance Cost Factors

FactorImpact on CostExample Scenario
Age of VisitorHigher age, higher costA 60-year-old might pay more than a 30-year-old
Length of StayLonger stay, higher total cost6-month stay costs more than a 2-week visit
Coverage AmountHigher coverage, higher premium$100,000 coverage costs more than $50,000 coverage
Medical HistoryPre-existing conditions may increase costDiabetes may result in a higher premium

The Best Visitors Insurance

IMG, or International Medical Group, is often regarded as a top choice for visitors insurance for several reasons:

Comprehensive Coverage Options

  • Variety of Plans: IMG offers a range of plans catering to different needs and budgets.
  • Flexibility: Their plans are flexible, allowing visitors to choose coverage limits and deductibles that suit their needs.

Global Medical Network

  • Wide Network: Access to a broad network of hospitals and doctors worldwide, including the USA.
  • Direct Billing: In many cases, IMG can bill medical providers directly, easing the burden on policyholders.

Customer Support

  • 24/7 Assistance: IMG provides round-the-clock support, which is crucial for travelers in different time zones.
  • Multilingual Support: Assistance is available in multiple languages, accommodating non-English speakers.

Coverage for a Range of Medical Needs

  • Emergency Services: Coverage includes emergency medical evacuation and repatriation.
  • Pre-existing Conditions: Some IMG plans offer coverage for the acute onset of pre-existing conditions.

Positive Customer Feedback

  • High Satisfaction: Many users report positive experiences with IMG’s customer service and claim process.
  • Trustworthiness: The company has a strong reputation in the travel insurance industry.

Tailored for Various Travelers

  • Diverse Plans: From short-term travelers to long-term visitors, IMG has plans tailored for different visitor profiles.

Online Management and Resources

  • Easy Management: Policyholders can manage their plans online, file claims, and access important documents.
  • Educational Resources: IMG provides extensive resources to help policyholders understand and use their insurance effectively.


Visitors insurance in the USA is a vital tool for international travelers, ensuring access to healthcare in case of emergencies. It’s adaptable, with costs varying based on individual circumstances like age, stay duration, and medical history. Understanding these factors helps in choosing the right policy. For personalized guidance and more details on visitors insurance, contact us today for a free quote.

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Frequently Asked Questions

What Is Travel Insurance For Non-US Citizens?

Travel insurance is a type of insurance policy that covers unexpected events related to your trip, such as medical emergencies, trip cancellations, trip interruptions, or lost luggage. The policy may also cover other services, such as emergency medical evacuation, 24/7 travel assistance, or rental car protection. However, not all travel insurance policies are the same, and the coverage, cost, and requirements may vary depending on your nationality, residency status, age, trip duration, and other factors.

Can A Tourist Get Health Insurance When Visiting The USA?

Yes, but with a caveat. While there are short-term plans available for non-residents, they are typically more expensive and offer less comprehensive coverage than traveler’s insurance purchased beforehand.

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed insurance agent and annuity broker with over a decade of first-hand experience. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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