Visitor Health Insurance Plans for US & International

Visitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren’t covered outside of their home country.

Specifically, in the United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars. IMG’s visitor insurance plans provide coverage for new medical expenses, multilingual customer service experts, hands-on healthcare coordinators available 24/7 and online resources to make traveling internationally less stressful.

Visitor Insurance plans are excellent for visiting family members or friends, vacationing, taking a short business trip, or any reason that you may find yourself in the U.S. To compare IMG's visitor insurance plans, check out our article, How to Choose the Best Visitor Insurance Plan for You.

Popular Plans
For Visitors & Immigrants

Patriot Travel Medical Insurance

Temporary health insurance for individuals, families, and groups

Highlights

Coverages for inside and outside the U.S.
( Patriot America / Patriot International )
Short-term travel medical coverage
Coverage for individuals, groups, and their dependents
Available in daily and monthly rates
Freedom to seek treatment with hospital or doctor of your choice

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Price:

Coverage:

Recommended

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

Highlights

COVID-19 coverage for travelers to the U.S.
Coverage for inside the U.S.
Short-term travel medical coverage
Made for individuals, groups, and their dependents
Coverage for Acute Onset of Pre-Existing Conditions*
Freedom to seek treatment with hospital or doctor of your choice

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Price:

Coverage:

Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents

Highlights

Travel medical insurance for non-U.S. residents
Renewable up to 24 months
Deductible options from $0 to $100
Maximum limits from $25,000 to $100,000
Limited coverage for medical expenses

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Price:

Coverage:

Summary of Benefits

Plan Information

	Plan A	Plan B	Plan C
Period of Coverage	5 days to 2 years	5 days to 2 years	5 days to 2 years
Period of Coverage Limit	$25,000 per illness/injury	$50,000 per illness/injury	$100,000 per illness/injury
Area of Coverage	Non-U.S. residents traveling to the U.S.	Non-U.S. residents traveling to the U.S.	Non-U.S. residents traveling to the U.S.
Deductibles	$0, $50, $100	$0, $50, $100	$0, $50, $100
Acute Onset of Preexisting Conditions	$25,000 max per coverage period (subject to sub-limits below)	$50,000 max per coverage period (subject to sub-limits below)	$100,000 max per coverage period (subject to sub-limits below)
Emergency Medical Evacuation Arises or results directly or indirectly from a covered acute onset of a preexisting condition	$25,000 max per period of coverage	$25,000 max per period of coverage	$25,000 max per period of coverage
Physician Visits/Services	$40 max per visit 30 max visits per period of coverage	$60 max per visit 30 max visits per period of coverage	$85 max per visit 30 max visits per period of coverage
Urgent Care Center	$40 max per visit/10 max visits	$60 max per visit/10 max visits	$85 max per visit/10 max visits
Hospital Emergency Room	$200 max per visit	$330 max per visit	$550 max per visit
Hospitalization/Room & Board Average semi-private room rate Includes nursing, misc., and ancillary services	Up to $825 max per day 30 day max per period of coverage	Up to $1,400 max per day 30 day max per period of coverage	Up to $2,000 max per day 30 day max per period of coverage
Intensive Care	Up to an additional $400 max per day, 8 day max per period of coverage	Up to an additional $660 max per day, 8 day max per period of coverage	Up to an additional $850 max per day, 8 day max per period of coverage
Outpatient Surgical/ Hospital Facility	Up to $2,000 max per surgical session Up to $750 max per surgical session (facility)	Up to $3,300 max per surgical session Up to $900 max per surgical session (facility)	Up to $5,500 max per surgical session Up to $1,000 max per surgical session (facility)
Laboratory	Up to $400 max per period of coverage ($200 per procedure)	Up to $450 max per period of coverage ($250 per procedure)	Up to $500 max per period of coverage Radiology/X-ray ($500 per procedure)
Chemotherapy/Radiation Therapy	$550 max per visit	$1,100 max per visit	$1,350 max per visit
Pre-Admission Testing	Up to $750 max per period of coverage	Up to $1,100 max per period of coverage	Up to $1,100 max per period of coverage
Surgery	Up to $2,000 max per surgical session	Up to $3,300 max per surgical session	Up to $5,500 max per surgical session
Assistant Surgeon 20% of the primary surgeon’s eligible fee	Up to $450 max per surgical session	Up to $825 max per surgical session	Up to $1,375 max per surgical session
Anesthesia	Up to $450 max per surgical session	Up to $825 max per surgical session	Up to $1,375 max per surgical session
Durable Medical Equipment	$550 max per period of coverage	$1,000 max per period of coverage	$1,300 max per period of coverage
Physical Therapy Medical order or treatment plan required	Up to $40 max per visit per day, 12 max visits per period of coverage	Up to $40 max per visit per day, 12 max visits per period of coverage	Up to $40 max per visit per day, 12 max visits per period of coverage
Extended Care Facility Upon direct transfer from an acute care hospital	Covered under Hospital Room & Board	Covered under Hospital Room & Board	Covered under Hospital Room & Board
Home Nursing Care Provided by a home healthcare agency upon direct transfer from an acute care hospital	$550 max per period of coverage	$550 max per period of coverage	$550 max per period of coverage
Prescriptions Dispensing limit: 90 days	Up to $250 max per period of coverage	Up to $250 max per period of coverage	Up to $250 max per period of coverage
Emergency Local Ambulance	Up to $250 max per period of coverage	Up to $450 max per period of coverage	Up to $475 max per period of coverage
Emergency Medical Evacuation	Up to $25,000 max	Up to $50,000 max	Up to $50,000 max
Return of Mortal Remains	$25,000 max with $5,000 max for Cremation/Burial	$25,000 max with $5,000 max for Cremation/Burial	$25,000 max with $5,000 max for Cremation/Burial
Common Carrier Accidental Death	$25,000 max per period of coverage	$25,000 max per period of coverage	$25,000 max per period of coverage
Dental Injury	Up to $550 max per period of coverage	Up to $550 max per period of coverage	Up to $550 max per period of coverage
Incidental Trip Maximum days: 14 Insured person’s country of residence is not the United States	14 day maximum	14 day maximum	14 day maximum

Additional Plans
For Visitors & Immigrants

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families and groups when traveling outside of your home country.

Global Medical Insurance

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

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Have any questions?
We're happy to help!

866-263-0669

Is Visitor Insurance Required in the U.S.?

Visitor insurance is not required to travel to the U.S. on a B-2 visa. However, healthcare costs in the U.S. are often higher than those in other countries, so not having the proper coverage could leave you to pay thousands of dollars for any necessary medical care.

Purchasing visitor insurance is also a very simple process as no medical exam or medical history review is necessary to get coverage. These plans are designed to protect you from unexpected illnesses or injuries that occur while you are traveling, thus your past health history is not needed.

For answers to any other visitor insurance questions, check out our Visitor Insurance FAQs.

How Much Does Visitors Insurance Cost?
Coverage starts at a few dollars per day and increases depending on age and coverage options

IMG’s most popular visitor insurance plan, Patriot America Plus, offers excellent coverage at a competitive price. There are also other product tiers that vary in price depending on your budget and level of benefits. Patriot Platinum Insurance provides the highest level of coverage, while Visitors Care provides a lower priced option with limited benefits. Or you can choose your own visitor insurance plan.

Factors that Determine Cost
The cost of a visitor health insurance plan varies based on many factors, including:

Age of Traveler

Old and young visitors alike can find a visitor insurance plan that fits their needs. While premiums become more expensive for older travelers due to increasing risks of health problems, there are still many varying price levels available to fit in your budget.

Area of Coverage

Visiting the United States will result in a higher premium than if traveling to another part of the world due to the high costs of medical care in the country.

Duration

View the breakdown of daily and monthly rates in the Patriot America Plus brochure to get a better idea of how much you can expect to spend for coverage during your trip. For any trip longer than a year, you may also want to explore our international health insurance options.

Coverage Level

Higher maximum limits and lower deductibles will increase your plan costs. Consider how much you could afford in addition to your deductible if something unexpected were to happen while you’re away when choosing the right options for you.

What Does Visitor Health Insurance Cover?
Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Emergency Evacuation

In the event of an emergency medical evacuation, coverage provides evacuation to the nearest qualified medical facility and expenses for reasonable transportation resulting from the evacuation.

Medical Expenses

Coverage for medically necessary expenses resulting from new or unexpected injuries or illnesses including local ambulance, intensive care, emergency room, and more, if needed.

Return of Mortal Remains

Should a covered illness or injury unfortunately result in death, this benefit provides coverage for repatriation of bodily remains or ashes to your home country; or for the preparation, local burial or cremation of your mortal remains, at the place of death.

Acute Onset of Pre-Existing Condition Coverage

This benefit, provides you coverage in the event of a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously, after the effective date, and prior to the age shown in your schedule of benefits. Chronic or congenital conditions that worsen over time are not considered to be an acute onset.

*This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Recent Blog Articles

How to Choose the Best Travel Medical Insurance Plan

Travel medical insurance may appear overwhelming, but its purpose is simple: travel medical insurance provides coverage for unexpected accidents or illnesses when traveling outside your home country.

Nov 2, 2020

Frequently Asked Questions

Can I purchase visitors insurance for my relatives?

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

Does my credit card or domestic medical insurance policy cover my travel expenses?

It is best to check all of your existing insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

Disclaimer

**For CFAR, the following additional terms apply. CFAR must be added to the iTravelInsured Travel LX plan at time the base plan is purchased and within 20 days of your initial trip deposit. You must cancel your trip 2 days or more before your scheduled departure date. CFAR does not cover the failure of your travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 2960 North Meridian Street Suite 300 Indianapolis, IN 46208 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.

I am a non-U.S. citizen that will be traveling to the U.S. temporarily. Do I need PPACA coverage?

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

Individuals not residing in the U.S.
Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
Individuals with a coverage gap of less than 3 months
Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
Individuals with a religious conscience exemption (applies only to certain faiths)
Members of a health care sharing ministry
Incarcerated individuals
Individuals with income below the tax filing threshold; and
Members of Indian tribes

You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan.

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.

However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

What is the Patient Protection and Affordable Care Act? (PPACA)

The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.

Am I getting the best deal on these plans?

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.

My family is planning a visit. When should visitors to the U.S. purchase international insurance?

Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.

I already have health insurance. Why would I need Visitor Insurance in the U.S.?

If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit.

How long does it take to process my application and receive my ID card and other documents?

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.

Disclaimer

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Global Resources. Local Care.

Languages Spoken
In-House

190+

Countries Where
Members are Served

Insurance Plans
to Fit Your Needs

338

Employees & Growing

800,000

Doctors & Hospitals
In Our Global Database

43,000

Maximum Limits	$50,000, $100,000, $500,000, $1,000,000
Individual Deductible Options	$0, $100, $250, $500, $1,000, $2,500
Coinsurance for treatment received outside the U.S.	Company pays 100%
Coinsurance for treatment received in the U.S.	In the PPO network: Company pays 100% Out of the PPO network: Company pays 80% of eligible expenses up to $5,000, then 100%
Incidental Trips to Home Country	14 consecutive days maximum limit Insured person’s country of residence is not the U.S.
Incidental Emergency Coverage in the U.S. (Patriot International only)	14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Hospitalization/Room & Board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care	Up to the maximum limit
Surgery	Up to the maximum limit
Physician Visits/Services	Up to the maximum limit
Radiology/X-ray	Up to the maximum limit
Prescriptions (Dispensing limit per prescription: 90 days)	Up to the maximum limit
Home Nursing Care (Upon direct transfer from an acute care facility)	Up to the maximum limit
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission)	Up to the maximum limit. Subject to deductible and coinsurance
Durable Medical Equipment	Up to the maximum limit
Dental Treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency Medical Evacuation (Must be approved in advance and coordinated by the company)	$1,000,000
Emergency Reunion (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company)	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of Minor Children (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Political Evacuation & Repatriation (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Natural Disaster Evacuation Must be approved in advance by the company	$25,000 maximum limit. Not subject to deductible.
Terrorism	$50,000 maximum limit. Not subject to deductible
Acute Onset of Pre-Existing Conditions (Insured person must be under 70 years of age) (Patriot International only)	United States citizens: Age 64 and under without a primary health plan: Maximum limit: $20,000 Age 64 and under with a primary health plan: Up to the period of coverage limit Age 65 through age 69: Maximum limit: $2,500 Non-United States citizens: Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower) $25,000 maximum limit for emergency medical evacuation
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy (Medical order or treatment plan required)	Up to the maximum limit
Hospital Emergency Room (Outside the U.S.)	Up to the maximum limit
Hospital Emergency Room (Inside the U.S.)	Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Hospital Indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common Carrier Accidental Death	$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident	$50,000 principal sum. Not subject to deductible.
Identity Theft	$500 maximum limit. Not subject to deductible
Trip Interruption	$10,000 maximum limit. Not subject to deductible
Lost Luggage	$50 per item, $500 maximum limit. Not subject to deductible
Eligible Medical Expenses	Up to the maximum limit
Bedside Visit Hospitalized in an intensive care unit	$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Laboratory	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Chiropractic Care Medical order or treatment plan required	Up to the maximum limit
Extended Care Facility Upon direct transfer from an acute care facility	Up to the maximum limit
Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission	Company pays 100%
Traumatic Dental Injury Treatment at a hospital due to an accident	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination Loss or damage to prescription corrective lenses due to an accident	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Personal Liability Secondary to any other insurance	$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return For a pet cat or dog traveling with the insured person	$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person	$500 maximum limit. Not subject to deductible.
Natural Disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.

Maximum Limits	$50,000 to $1,000,000
Deductible	$0 to $2,500
Extensions	Up to 24 continuous months
Emergency Medical Evacuation	$1,000,000
Coinsurance ( In-Network )	IMG pays 100%
Coinsurance ( Out-of-Network )	IMG pays 80% up to $5,000, then 100%
Acute Onset of Pre-Existing Conditions (Under 70 years of age)	Up to the maximum limit. $25,000 maximum limit for medical evacuation
Remote Transportation	No coverage
Supplemental Accident	No coverage
COVID-19 Coverage	Up to policy maximum if contracted and treatment is provided after the policy effective date
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Hospitalization/Room & Board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care	Up to the maximum limit
Surgery	Up to the maximum limit
Physician Visits/Services	Up to the maximum limit
Radiology/X-ray	Up to the maximum limit
Prescriptions (Dispensing limit per prescription: 90 days)	Up to the maximum limit
Home Nursing Care (Upon direct transfer from an acute care facility)	Up to the maximum limit
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission)	Up to the maximum limit. Subject to deductible and coinsurance
Durable Medical Equipment	Up to the maximum limit
Dental Treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency Reunion (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company)	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible (Benefit included if death is due to COVID-19)
Return of Minor Children (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Political Evacuation & Repatriation (Must be approved in advance by the company)	$100,000 maximum limit. Not subject to deductible
Natural Disaster Evacuation Must be approved in advance by the company	$25,000 maximum limit. Not subject to deductible.
Terrorism	$50,000 maximum limit. Not subject to deductible
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy (Medical order or treatment plan required)	Up to the maximum limit
Hospital Emergency Room (Outside the U.S.)	Up to the maximum limit
Hospital Emergency Room (Inside the U.S.)	Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Hospital Indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common Carrier Accidental Death	$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident	$50,000 principal sum. Not subject to deductible.
Identity Theft	$500 maximum limit. Not subject to deductible
Trip Interruption	$10,000 maximum limit. Not subject to deductible
Lost Luggage	$50 per item, $500 maximum limit. Not subject to deductible
Eligible Medical Expenses	Up to the maximum limit
Bedside Visit Hospitalized in an intensive care unit	$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Laboratory	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Chiropractic Care Medical order or treatment plan required	Up to the maximum limit
Extended Care Facility Upon direct transfer from an acute care facility	Up to the maximum limit
Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission	Company pays 100%
Traumatic Dental Injury Treatment at a hospital due to an accident	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination Loss or damage to prescription corrective lenses due to an accident	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Personal Liability Secondary to any other insurance	$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return For a pet cat or dog traveling with the insured person	$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person	$500 maximum limit. Not subject to deductible.
Natural Disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.

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Have any questions? We're happy to help!

Is Visitor Insurance Required in the U.S.?

How Much Does Visitors Insurance Cost?Coverage starts at a few dollars per day and increases depending on age and coverage options

Factors that Determine CostThe cost of a visitor health insurance plan varies based on many factors, including:

Age of Traveler

Area of Coverage

Duration

Coverage Level

What Does Visitor Health Insurance Cover? Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Emergency Evacuation

Medical Expenses

Return of Mortal Remains

Acute Onset of Pre-Existing Condition Coverage

Recent Blog Articles

Frequently Asked Questions

Disclaimer

Global Resources. Local Care.

Languages SpokenIn-House

Countries Where Members are Served

Insurance Plansto Fit Your Needs

Employees & Growing

Doctors & HospitalsIn Our Global Database

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What type of coverage
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Popular Plans
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Have any questions?
We're happy to help!

How Much Does Visitors Insurance Cost?
Coverage starts at a few dollars per day and increases depending on age and coverage options

Factors that Determine Cost
The cost of a visitor health insurance plan varies based on many factors, including:

What Does Visitor Health Insurance Cover?
Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Languages Spoken
In-House

Countries Where
Members are Served

Insurance Plans
to Fit Your Needs

Doctors & Hospitals
In Our Global Database