Best Travel Insurance For Travelling To USA
28 Aug. 2025
Best Travel Insurance For Travelling To USA
Securing the best travel insurance for travelling to USA is essential to ensure you’re covered for medical emergencies, unexpected health issues, and other travel-related disruptions. Coverage is necessary when you are outside your home country, as international travel to the USA can involve unique risks and requirements.
Visitors’ insurance is specifically designed for those traveling from another country to the USA, providing health protection during their stay. Choosing the right plan helps to protect your trip.
Listed here are the best travel medical insurance plans for visitors to the United States, each offering comprehensive coverage tailored to meet different needs.
Top Travel Medical Insurance Plans For USA Visitors
Before choosing a plan, it’s essential to understand the different coverages each plan offers, such as medical coverage, evacuation coverage, and protection for pre-paid, non-refundable expenses.
| Plan Name | Policy Maximum | Pre-Existing Conditions Coverage | Ideal For |
|---|---|---|---|
| SafeVista Comprehensive (New Name SafeVista Protect) | Up to $1M | Yes (Acute Onset) | Budget-conscious travelers seeking solid coverage that covers medical emergencies, trip interruptions, Urgent Care, evacuation coverage, and medical coverage |
| Patriot America Plus | $1M | Yes (Acute Onset) | Frequent travelers needing comprehensive coverage, including evacuation coverage and medical coverage |
| Atlas America | Up to $2M | Yes (Acute Onset) | Visitors needing extensive medical benefits, evacuation coverage, and coverage for missed connections |
| Safe Travels USA Comprehensive | Up to $1M | Yes (Acute Onset) | Budget-conscious travelers seeking comprehensive protection, including medical coverage and evacuation coverage |
| VisitorSecure | $130K | Yes (Acute Onset) | Travelers seeking flexible coverage for unexpected events, including medical coverage and evacuation coverage, repatriation of remains |
| Visitors Care | Up to $100K | Yes (Acute Onset) | Short-term visitors seeking affordable coverage, including medical coverage and evacuation coverage |
| INF Elite | Up to $1M | Yes | Seniors and parents visiting the USA with pre-existing conditions, who need medical coverage and evacuation coverage |
| INF Premier | Up to $1M | Yes | Comprehensive coverage for seniors with pre-existing conditions, including medical coverage and evacuation coverage, Trip interruption benefits |
Why Choose Travel Medical Insurance For The USA?
- Emergency Medical Care: U.S. healthcare costs are high, and medical treatment without insurance can be costly. Travel insurance helps protect travelers from unexpected costs during their trips to the USA. Most domestic health insurance plans do not provide coverage for medical emergencies outside of the country. Travel medical insurance provides medical coverage for illnesses and injuries that may occur during your trip, ensuring you’re protected.
- Emergency Evacuation: Whether you’re in a remote area or need to get to a better medical facility, emergency medical evacuation insurance coverage is especially important for trips to remote areas or when traveling in a foreign country
- COVID-19 Coverage: Many plans now include coverage for COVID-19-related medical expenses and trip cancellations due to the pandemic
- Repatriation of Remains: In the event of a tragedy, many plans cover the costs of transporting remains back to the country of origin.
Claims Process And Support: How To Use Your Travel Insurance
When you purchase travel insurance for your trip to the USA, understanding the claims process and available support is just as important as choosing the right plan.
Whether you have travel medical insurance, trip cancellation insurance, or a comprehensive travel insurance plan, knowing how to use your coverage can make all the difference if the unexpected happens while traveling abroad.
If you encounter a medical emergency, trip interruption, or any covered event, the first step is to contact your insurance company as soon as possible. Most reputable providers, such as IMG, World Trips, Trawick International, Seven Corners Insurance, and INF Plans, offer 24/7 support hotlines and online claims portals, making it easy to obtain assistance from anywhere.
Be sure to keep your policy number and emergency contact information handy throughout your trip.
How To Proceed With The Claims Process?
- Seek immediate care in case of a medical emergency.
- Contact your insurance provider as soon as possible.
- Gather documentation: medical records, bills, receipts.
- Submit claim forms along with supporting documents through the provider’s claims portal.
Providing accurate and complete information helps ensure a smooth claims process and timely settlement.
To start the claims process, gather all necessary documentation related to your incident. This may include medical records, receipts for medical bills, proof of trip cost, police reports, or documentation of trip delays and cancellations. Submitting complete and accurate information helps ensure a smooth claims process and timely reimbursement for covered expenses.
Additional Tips
Review your insurance plan benefits carefully to understand what is included in your coverage. Many travel insurance plans offer a wide range of protections, including emergency medical evacuation, repatriation coverage, dental coverage, baggage coverage, and even protection for vacation rentals. Some plans also provide secondary coverage, which can help pay for costs not covered by your domestic health insurance or other policies.
What To Do In Case Of An Emergency?
If a medical emergency occurs:
- Visit the nearest hospital or urgent care.
- Call the insurance company’s emergency hotline for guidance.
- The provider may arrange direct billing with hospitals, reducing the need to pay upfront.
In the event of a medical emergency, seek immediate care and notify your insurance company as soon as possible. Your provider can guide you through the process, help coordinate medical care, and assist with direct payment to hospitals or clinics, so you’re not left paying significant amounts out of pocket.
Comparing plans from different insurance companies can help you find one with the best coverage for your needs, whether you’re looking for temporary medical insurance, an annual travel insurance plan, or specialized coverage for international students or family members visiting from other countries.
By understanding the claims process and the support your insurance company provides, you can travel with confidence, knowing you have protection against medical bills, trip delays, lost baggage, and other potential issues.
Travel insurance is a smart investment for every traveler, offering peace of mind and financial security for your next trip. Always review your plan benefits, compare plans, and purchase travel insurance from a trusted provider, such as OnshoreKare, to ensure you’re fully covered for your journey.
Conclusion – Travel Insurance For Travelling To USA
When traveling to the USA, travel medical insurance is essential, providing both trip protection and travel protection to ensure you’re covered for medical emergencies and other unforeseen events. Whether you’re looking for comprehensive coverage or more budget-friendly options, there are plans available to suit every need.
Get a personalized quote now and choose the best plan for your trip!
FAQs: Travel Insurance For Travelling To USA
What is travel medical insurance?
Travel medical insurance provides insurance coverage for medical emergencies, hospitalizations, doctor visits, and evacuation costs during your trip. Insurance coverage may also include benefits such as trip cancellation, interruption, and delay, protecting you against a range of unexpected events.
Can I buy travel medical insurance after arriving in the USA?
Yes, many plans offer the option to purchase coverage even after you’ve arrived in the USA. However, it’s recommended to buy it before your trip.
Does travel medical insurance cover pre-existing conditions?
Some plans cover the acute onset of pre-existing conditions. Coverage for pre-existing conditions is only available for certain covered reasons, such as a sudden illness or medical emergency that occurs during your trip. Be sure to check the policy for details on this coverage. At OnshoreKare, you can avail of travel medical insurance plans, such as INF Elite and INF Premier, that cover pre-existing conditions.
How much does travel medical insurance cost?
The cost generally ranges from $1 to $5 per day or more, depending on the plan, duration of travel, age, and health condition of the traveler.
Does travel medical insurance cover COVID-19?
Many travel medical insurance plans now cover COVID-19-related medical treatment, cancellations, and evacuations. Always confirm with your insurance provider.
Can I extend my travel medical insurance if I need more coverage?
Yes, many travel insurance providers offer the option to extend your travel medical insurance during your trip if needed.
