If you’re planning to travel to the United States from abroad, one crucial aspect of your trip planning that you don’t want to overlook is travel insurance. Travel insurance, also referred to as visitors insurance, is temporary health insurance that can offer medical coverage for travelers while they are away from their home country.
Health insurance coverage for visitors to the USA can provide peace of mind knowing that you’ll have a safeguard in place if you need unexpected medical attention during your travels.
Why Is Travel Insurance for Visitors to the USA Necessary?
Travel insurance for visitors to the USA acts as vital protection for those who are visiting from abroad. Once you leave your home country, it is unlikely that your domestic health insurance will cover you for emergency medical events.
This can leave travelers vulnerable to out-of-pocket medical expenses, which can be a huge concern in the United States considering just how high medical costs are.
What Does US Visitors Insurance Cover?
Visitors insurance can offer coverage for emergency medical care related to new and unforeseen injuries and illnesses that occur during your travels to the United States.
This coverage can encompass eligible expenses related to hospitalization, surgery, medication, emergency medical evacuation, and more.
Top 3 Visitors Insurance Plans
There are many options to choose from when it comes to visitors insurance plans. However, we recommend the following three options which are specifically tailored to provide the right protection for individuals who are visiting the United States from abroad.
CoverAmerica-Gold
CoverAmerica-Gold is a comprehensive coverage travel insurance plan that is carefully curated to meet the needs of individuals traveling to the United States from their home country abroad.
It provides coverage for eligible medical expenses for treatment related to new injuries or illnesses that occur in the United States after the effective date of the policy.
It also offers a wide range of unique coverage options for international travelers, including influenza vaccination coverage and border entry protection.
Plan Highlights
- After the deductible is met, plan pays 100% of eligible medical expenses within the United Healthcare PPO network
- Coverage for the acute onset of pre-existing conditions
- Influenza (flu) shot coverage
- No cancelation or extension fees
- $15 urgent care copay
Plan Limitations
- No coverage for travelers aged 80 and above
- No coverage for pre-existing conditions
VisitorSecure
VisitorSecure is a US visitors insurance policy that provides basic medical coverage for those traveling from a foreign country to the United States for any unforeseen injuries or illnesses that occur during one’s travels.
This plan is a limited or fixed benefit plan, meaning that it pays a fixed, pre-defined rate for each service up to the benefit maximum for eligible expenses.
Plan Highlights
- Low cost premium
- Good basic coverage
- Includes emergency medical evacuation and AD&D coverage
- Offers coverage for the acute onset of pre-existing conditions
- Can visit any doctor/hospital
Plan Limitations
- Only pays a pre-defined, fixed rate per service per incident after the deductible is met
- No pre-existing condition coverage
- No add-on coverage available
ChoiceAmerica
ChoiceAmerica is a budget visitors insurance plan that is suited for travelers to the United States from their home country abroad.
It offers coverage for eligible medical expenses incurred from receiving treatment for new and unexpected injuries or illnesses that occur during one’s stay in the US after the effective date of their policy.
This plan is a limited coverage plan, meaning that it only pays a pre-defined benefit amount per treatment or service up to the benefit maximum per incident after the deductible is met.
Plan Highlights
- Low cost premium
- Good basic coverage for international travelers
- Optional pre-existing condition coverage rider
- Influenza (flu) vaccination
- Optional adventure sports and amusement park injury coverage
Plan Limitations
- Limited coverage plan with fixed benefits
- Pre-certification required for certain medical treatments to avoid 50% reduction in benefits
Secure Visitors Insurance Through VisitorsCoverage
Get protected and ensure peace of mind with a US visitors insurance plan for your trip to the United States.
Compare top-rated visitors insurance plans or reach out to our Customer Success Team for further assistance.
