Visiting the United States? One emergency room visit can cost $10,000 or more. Compare top-rated visitor insurance plans for the USA and get covered in minutes — starting from just a few dollars a day.
Visitor insurance for the USA is a short-term travel medical insurance policy designed for individuals who are temporarily visiting the United States and do not have access to a U.S. health insurance plan. It covers unexpected medical emergencies — from an ER visit to hospitalization to emergency evacuation — so a medical crisis doesn't become a financial disaster.
Unlike domestic U.S. health plans, visitor insurance can typically be purchased online in minutes, with coverage beginning as soon as the same day. Plans can be purchased for trips ranging from a few days to up to 12 months, with many plans allowing extensions.
One of the most common uses of visitor insurance. When parents or grandparents visit family in the U.S., their home country health plan won't cover them abroad. Visitor insurance fills that gap.
Tourists visiting America from any country benefit from visitor insurance. U.S. healthcare is among the most expensive in the world — a single ER visit can cost $5,000–$30,000 without coverage.
F-1 and J-1 visa holders often need supplemental or standalone visitor insurance if their school plan doesn't meet their needs or during periods between coverage.
Short-term business visitors to the U.S. who don't have employer-sponsored coverage need visitor insurance to protect against medical expenses during their assignment.
Most visitor insurance plans for the USA include the following core benefits, subject to the plan's deductible, coverage limit, and policy terms:
| Benefit | Typical Coverage | Included? |
|---|---|---|
| Emergency Medical Treatment | Up to plan maximum (e.g. $50,000–$1,000,000) | ✓ Yes |
| Hospitalization & Surgery | Covered after deductible | ✓ Yes |
| ER & Urgent Care Visits | Covered after deductible | ✓ Yes |
| Emergency Medical Evacuation | Up to $250,000–$1,000,000 | ✓ Yes |
| Repatriation of Remains | Covered up to plan limit | ✓ Yes |
| Prescription Medications | For covered conditions | ✓ Yes |
| Pre-Existing Conditions | Acute onset only on most plans; full on some (INF) | ⚠ Select plans |
| Trip Cancellation | Not included on medical-only plans | ✗ Separate plan |
Choose a plan with at least $100,000 in coverage for USA visits. Given U.S. medical costs, $50,000 limits can be exhausted quickly in serious emergencies. Many travelers opt for $500,000 or higher.
Plans typically offer deductibles from $0 to $5,000. A higher deductible lowers your premium but increases out-of-pocket costs if you make a claim. Choose based on your budget and risk tolerance.
Most standard visitor insurance plans cover only the acute onset of pre-existing conditions. If you or your family member has ongoing health issues, look for plans from providers like INF that offer broader pre-existing condition coverage.
Choose a plan that matches your stay — from 5 days to 12 months. Many plans are extendable if your trip is extended. Verify whether the plan allows extensions before purchasing.
Compare top-rated plans from 50+ providers through our partner VisitorsCoverage. Get an instant quote in under 2 minutes — free, with no commitment.
🛡️ Compare Free Quotes NowCompare 50+ top-rated plans through our partner VisitorsCoverage. Instant quote, instant policy — coverage starts as soon as today.
🛡️ Compare Free Quotes Now →