Visitor Health Insurance
USA tourists & travelers - Compare features, premiums & benefits
Compare Visitor Health Insurance Plans for USA travel
Visitor Health Insurance pays for the treatment of an unexpected accident or sickness when one is traveling. Plans also provide for emergency evacuation of the injured or ill traveler. Expenses related to hospitalization, doctor office visits, prescription drugs and surgery are also covered.
A US visitor’s health insurance policy provides peace of mind when away from home, as the cost of medical treatment keeps rising all over the world. Depending on the plan, the insured can either go to a provider in a preferred network of doctors and hospitals, or can go to a provider of their choice.
Affordable - Inbound USA
Fixed Benefits
- Benefit limits for each covered service. The benefit limit is lower than the policy maximum.
- Benefits are per injury/sickness
- You pay an initial deductible for each injury or illness after which the plan pays the remaining covered costs.
- Policy maximums from US $50,000 to $130,000 per injury or sickness
Pre-existing Conditions
- $5,000 coverage only for heart attack or stroke when optional rider is purchased with 26% premium surcharge
- Look back period for pre-existing conditions is 6 months prior to start of plan.
Billing
- Depends on provider.
- Treatment can be sought any doctor or hospital.
Underwriter
Certain Underwriters at Lloyd's, London.
Good value - Atlas Insurance
Comprehensive Coverage
- Typically no benefit limits based on the type of medical expense. Usually benefits for covered medical expenses go all the way upto the policy maximum.
- Benefits are per life of plan.
- In network, policy pays 100% up to policy maximum per year.
- Policy maximums from US $50,000 to $1,000,000 per life of plan.
Pre-existing Conditions
- Covered upto $20,000 when treatment is obtained within 24 hrs for acute onset of pre-existing conditions for under 70y.
- Heart-disease issues not covered if 55y & above, and diabetic, or taking drugs to lower cholesterol/blood-pressure.
Billing
- Direct billing possible via PPO Network.
- PPO discounts apply.
Underwriter
Llyods.
Patriot Platinum Insurance
Comprehensive Coverage
- Typically no benefit limits based on the type of medical expense. Usually benefits for covered medical expenses go all the way upto the policy maximum.
- Benefits are per life of plan.
- In network, policy pays 100% up to policy maximum per year.
- Policy maximums range from US $1,000,000 to $8,000,000 per life of plan.
Pre-existing Conditions
- Covered up to $20,000 lifetime maximum for under 65y.
- Look back period for pre-existing conditions is 3 years before the start of plan.
Billing
- Direct billing possible via PPO Network.
- PPO discounts apply.
Underwriter
Sirius International Insurance Corporation