Which Travel Insurance Should I Buy?

Which Travel Insurance Should I Buy?

As you search through the many options of visitor travel insurance online, you may have a ton of questions about which plan is right for you and how the travel insurance process works. Visitor medical insurance is an excellent way to protect yourself financially if you require medical care while traveling abroad. Similar to a domestic healthcare insurance plan, choosing a visitors insurance plan also includes considering factors such as desired benefits, policy maximum coverage amounts, deductibles, and more.

Visitors insurance coverage will typically include necessary medical care for an unexpected illness or injury during one’s travels for treatments and services such as medicines, emergency visits, surgery, and more. In order to find a visitors insurance plan that is right for you, it’s important to do your research and consider the different options available for your specific travel plans and needs.

Here are some of the most common types of travelers looking for travel insurance and what plans are typically recommended in these scenarios. 

Buying For a Parent Traveling to the USA From Abroad

If you are purchasing a travel insurance plan for a parent or relative that currently lives abroad but is visiting the United States, a travel medical insurance plan or visitor insurance plan that offers excellent coverage and a higher policy maximum is recommended, depending on their length of stay in the U.S. Typically, parents and relatives traveling to the U.S. from other countries stay for extended periods of time, which makes having medical coverage even more of a necessity. A high policy maximum, comprehensive coverage plan such as CoverAmerica - Gold would typically be recommended for parents visiting the U.S.

Traveling to the United States on a Temporary Visa

For individuals who are traveling to the United States on a temporary nonimmigrant visa such as a visitor visa or work visa, it’s crucial to ensure that you have protection in the form of medical coverage during your stay as U.S. healthcare costs are extremely expensive. For those traveling to the United States for a period of time on a nonimmigrant visa, a comprehensive visitor insurance plan such as Patriot America Plus or CoverAmerica - Gold is recommended.

U.S. Resident Traveling Within the United States or Abroad

U.S. residents who are traveling either within the United States or abroad should consider a trip insurance plan. Trip insurance offers coverage for nonrefundable trip costs that may be lost due to trip interruption, delay, cancellation, and more. Additionally, these plans offer an accident and sickness benefit in the event of an illness or injury while traveling. Top recommended trip insurance plans include iTravelInsured Travel LX and Seven Corners Trip Protection Basic.

Student Traveling to the U.S. For School

If you are a student traveling to the United States for study purposes, a travel medical insurance plan to have coverage during your study abroad program is not only recommended, but is typically required for most programs. Students should check with their study abroad coordinator to ensure that they choose a plan that meets their college’s requirements, however some recommended plans include Atlas International and Patriot Platinum International.

Non-U.S. Resident Traveling to the U.S. For Business

A business travel insurance plan is ideal for those who are non-U.S. residents who are traveling for business purposes. This type of travel insurance can offer protection for emergency medical events, trip interruption, terrorism, lost baggage, emergency medical evacuation, and more. Top-rated business travel insurance plans include Patriot Multi Trip and Atlas Multi Trip.

Non-U.S. Resident Traveling to the U.S. For Vacation

For any non-U.S. residents who are traveling to the United States for vacation purposes, a comprehensive visitor insurance plan can offer adequate coverage in the event of an unexpected injury or illness and is highly recommended due to the overwhelmingly expensive healthcare costs in the USA. Plans for visitors to the USA include CoverAmerica - Gold and Atlas America.

No Visitors Insurance Plan Will Be Perfect

While searching for a travel insurance plan, you may not be able to find a 100% perfect plan because you can never be sure about what kind of coverage you will end up needing when faced with the unexpected. Each plan will have specific benefits and coverage, as well as differing premium prices based on a number of factors.

The best way to find a plan that works for you is to think about your travel purpose and plans, and compare the policies available for your trip. Finding a plan that has excellent coverage and the benefits you are most interested in will be a good starting point for any traveler.

Which Travel Insurance Company Is the Best?

With so many companies to choose from, it can be tough to decide on where to purchase your plan from. Be sure to buy your visitors travel insurance from a marketplace that you can trust. Feel free to ask around and gain the recommendations of friends and family who have had a positive experience. Reading reviews is also a helpful way to determine a company who has great customer service.

If you have any queries, our Customer Success Team is always happy to help you find the plan that best fits your needs.

Frequently Asked Questions


Can a visitor get health insurance in USA?

Yes, with a visitor insurance plan, a traveler going to the USA can have adequate health insurance during their visit.


Can I buy visitor insurance after arrival?

In order to cover your trip to the USA, you must purchase your visitors insurance plan before the travel dates of your journey.


How much does visitor insurance cost?

The price of a visitor insurance plan will depend upon a number of factors including the type of plan, age of the traveler, the length of stay, and benefits offered. Compare visitor insurance plans to find one that fits your budget.


How to get health insurance for visitors in USA?

A health insurance plan for visitors to the USA can be purchased on reputable online marketplaces such as VisitorsCoverage.


Is health insurance mandatory for visitors to USA?

Health insurance may be mandatory depending on the reason for your visit. However, those traveling to the USA just to visit relatives or for pleasure are not typically required to have a short-term health insurance policy, although it is highly recommended to protect yourself from unforeseen financial burdens.


How does visitors insurance work?

With a visitors insurance plan, you can file claims on necessary medical care received in the U.S. for unexpected injuries or illnesses that occur during your travel dates. Read more about what visitors insurance is here.