Sign In
VisitorsCoverage logo
Visitors Insurance

Visitors Insurance

Visitors Insurance
What is it?

Visitors insurance provides medical coverage for those visiting the U.S.

View Plans
Visitors Insurance are travel medical insurance plans that provide coverage for medical expenses and emergency medical services when visiting the United States.The U.S. is known for some of the highest healthcare costs in the world and health insurance from other countries won't cover you.  It is designed to provide peace of mind and financial protection in case you or a family member gets sick or injured while traveling.

What Is Visitors Insurance?

Visitors insurance, also known as travel medical insurance, is a short-term health insurance plan designed for international travelers visiting the United States.

Since most domestic health insurance plans do not provide international coverage, visitors insurance ensures that travelers are financially protected against unexpected medical expenses, hospital visits, emergency medical services, and more while in the U.S.

Healthcare costs in the United States are among the highest in the world, making visitors insurance an essential safeguard for any traveler. Even a minor medical issue could lead to substantial out-of-pocket expenses without adequate coverage.

Who Is Visitors Insurance For?

Visitors insurance, or travel medical insurance, is meant for anyone traveling to the United States for a short-term visit, including:

  • Tourists and vacationers exploring the U.S.
  • Parents and relatives visiting family members
  • Business professionals on short-term assignments or conferences
  • Students on short-term educational programs
  • Foreign nationals attending religious or cultural events

Whether you’re staying for a few weeks or several months, there are various different plans designed specifically for all types of visitors to the USA, ensuring financial protection and access to quality healthcare should an emergency arise.

Make sure to compare and contrast different plans to find the best policy to meet your individual needs.

What Does Visitors Insurance Cover?

Visitors insurance, also referred to as travel medical insurance, typically covers a range of medical expenses, including doctor visits, hospitalization, surgery, prescription medication, and emergency medical evacuation for new and unexpected illnesses or injuries that occur during one's travels abroad.

What Are the Benefits of Visitors Insurance?

One of the key benefits of visitors or travel medical insurance is that it can help you avoid high out-of-pocket expenses if you require medical treatment while traveling. Many countries outside the United States have nationalized healthcare systems, which are not accepted in the U.S. and can result in high medical costs for travelers who require medical attention.

Visitors insurance offers the following benefits:


  • Medical coverage for new incidents including accidents, illnesses, and injuries
  • Emergency services including hospitalization and surgery
  • Emergency medical evacuation
  • PPO Network
  • Medical coverage during travel
  • Lost luggage
  • Accidental death & dismemberment
  • Repatriation of remains

There are many other benefits that travel medical insurance policies can offer. Different plans from different providers can offer unique benefits. Make sure to read the details of your plan carefully; you can find a full explanation of benefits included with your plan there.

In addition to providing financial protection, visitors insurance can also help you access quality medical care while traveling. Many travel medical insurance policies include 24/7 assistance services that can help you locate and access medical care in the event of an emergency.

Some plans even partner with a Preferred Provider Organization (PPO), which is a network of doctors, hospitals, and healthcare facilities that have agreed to provide services at negotiated rates that you might otherwise not get if you don’t have an insurance policy.


Is Visitors Insurance Mandatory?

Visitors insurance is not mandatory to come to the US, however it is highly recommended for all visitors to the USA.

The USA has some of the highest healthcare costs in the world, and an emergency medical situation in the United States can be financially devastating without insurance.

With visitor insurance, you can have peace of mind that you’ll have protection if an unexpected injury or illness were to occur during your visit.

How Much Does Visitors Insurance Cost?

The cost of US visitor insurance will depend upon a number of factors, including:

  • Age of the traveler
  • Length of stay
  • Coverage limits and deductible amounts
  • Pre-existing condition coverage

Since cost can vary greatly from person to person, it is best to get a quote using your individual trip details to compare prices and find a plan that best fits your needs and budget.

What Are the Different Types of Visitors Insurance?

Visitors insurance is often divided into two types of plans: comprehensive visitors insurance and limited visitors insurance.

Comprehensive visitors insurance offers the best overall coverage for travelers, typically paying up to 100% of eligible medical expenses, depending on the plan.

Limited visitors insurance, also referred to as fixed visitors insurance, while cheaper, only offers fixed benefits, meaning the plan only pays up to a certain amount per service or treatment. This type of coverage can eventually lead to hefty out-of-pocket costs. Alternatively, comprehensive plans operate on percentages, so the cost of coverage you receive is not predetermined.

Learn more about the differences between comprehensive and limited visitors insurance plans.

Can I Buy Visitors Insurance After I Arrive in the USA?

Yes! You can purchase US visitor insurance after your arrival in the United States. However, keep in mind that the soonest that most policies can become effective is the day after your make your purchase.

Additionally, it is important to note that your policy will only cover eligible expenses that occur after the effective date of your policy. For this reason, it is recommended to purchase your plan before your travels to ensure coverage for your entire stay.

Secure Visitors Insurance Through VisitorsCoverage

At VisitorsCoverage, we offer a variety of travel medical insurance plans to meet the needs of travelers from all around the world. The plans provide comprehensive coverage for medical expenses, emergency medical services, and more.

When visiting the United States, visitors insurance, or travel medical insurance, is an essential component of any international travel plan. Don't let unexpected medical expenses ruin your trip.

Have more questions? Don’t worry, We have answers to all of your questions about visitors insurance. Don't forget you can always contact our award-winning team of licensed insurance experts for help.

See What Customers Have to Say

VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!

Jessica

Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me.

Ginny

Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!!

Brad

Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes.

Kavitha

Helpful articles

Discover the best-rated visitors insurance plans from reputable insurance companies and how to choose the right visitors insurance plan based on your needs.
Learn more about how to use your visitors insurance plan to receive medical care in the United States.
Learn more about the differences between limited or fixed visitor insurance plans and comprehensive visitor insurance plans and how to pick the right plan.

Visitors Insurance FAQs

We’ve got you covered.

At VisitorsCoverage, you can easily compare U.S. Visitors Insurance plans and buy them online, quickly and without excessive paperwork. U.S. Visitors Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.

Related products

Trip Cancellation Insurance
Trip Cancellation Insurance
Green Card Insurance
Green Card Insurance
International Travel Medical Insurance
International Travel Medical Insurance
Europe/Schengen Visa Insurance
Europe/Schengen Visa Insurance

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Luna
VisitorsCoverage Support