travel insurance usa visitor

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Best Travel Insurance for Visiting the U.S.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Travel insurance basics

Best visitors insurance policies, for the lowest price: trawick international, for customizing options: worldtrips, for pre-existing conditions: worldtrips, for highest medical coverage limit: img, other options to consider, the bottom line.

Since health care can be expensive in the U.S., it’s important that visitors have insurance coverage, aka visitors insurance or travel medical insurance, in case something happens that requires medical attention mid-trip.

Whether you have coverage for travel in the U.S. depends on your health care plan in your home country. But if you don't, you'll need to buy a policy from a third-party insurance provider. Several companies sell this kind of visitor insurance, and each company and policy is a bit different. Let’s look at which is best for you.

First, a few basics about visitor insurance. Two kinds are available: travel medical insurance and trip insurance.

Travel medical insurance covers medical expenses that you may incur while traveling internationally, like a visit to the doctor, a trip to the hospital and medical evacuation and repatriation.

Trip insurance usually covers limited medical expenses like emergency care and can compensate you if your trip is delayed, you need to leave the trip early or you have to cancel the trip. It is designed to help you protect the investment you’re making as you prepare to travel.

Standard trip insurance might not cover a visit to the doctor unless it is an emergency.

It’s important to make sure any pre-existing conditions are covered if the visitor has any. Some policies exclude them.

» Learn more: How to find the best travel insurance

With so many kinds of visitors insurance policies, which is the best?

To make comparisons, we got quotes from several companies using Squaremouth , a website to search for different types of travel insurance in one place.

The parameters we set are for a 49-year-old citizen and resident of Spain traveling to the U.S. on May 1-31, 2024.

The quotes don't include cancellation coverage; these examples are for medical coverage only. To get a quote, the hypothetical deposit for the trip was paid on Feb. 15.

Since we’re looking for a policy that will cover medical care for visitors, there are several medical filters to select: emergency medical ($100,000 or more), medical evacuation ($100,000 or more) and coverage for pre-existing medical conditions.

The search came up with nine results ranging in price from $74.40 to $179.18.

The policy with the lowest cost was the Trawick International 's Safe Travels USA Cost Saver at $74.40.

Trawick policies use the FirstHealth PPO network.

The policy as quoted has a $250 deductible and includes $100,000 in emergency medical, $2 million in medical evacuation and $5,000 in interruption coverage. It has limited coverage for pre-existing conditions.

It is possible to change the deductible to as little as $0 or raise it to $5,000.

The same company has another policy, the Trawick International Safe Travels USA Comprehensive policy, that is better at covering pre-existing conditions and costs a little more — $89.59.

The general coverage is the same as the less expensive policy, and the Safe Travels USA Comprehensive option adds coverage for acute onset of a pre-existing condition. it is possible to change the deductible amount to $0 or go up to $5,000.

» Learn more: The best travel credit cards right now

Some policies are sold as is, while others allow some flexibility depending on what is important to you.

The WorldTrips Atlas Premium America policy for $179.18 allows a lot of customization.

It was also the most expensive of the nine policies Squaremouth suggested.

It’s possible to customize the emergency medical coverage and pre-existing condition coverage and medical deductible. The policy also includes $15,000 in trip interruption coverage, the highest of any of the nine policies available.

If the traveler has a pre-existing condition, policies from WorldTrips Atlas America are your best bet. The WorldTrips Atlas America policy in our comparison costs $101.06.

The policy as quoted covers $100,000 in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence of a pre-existing condition.

The deductible is also available for customization from $0 to $5,000.

The PPO network for Atlas America Insurance is United Healthcare.

The WorldTrips Atlas Premium America policy mentioned above is also good for pre-existing condition coverage.

While eight of the nine policies had $100,000 in secondary medical coverage, one had a limit of $2 million.

The IMG Patriot America Platinum policy has a premium of $172.36 along with a high medical evacuation limit of $2 million and interruption coverage of $10,000.

If $2 million in medical coverage is not enough, it’s possible to increase that amount to an $8 million policy limit.

It’s not possible to change the level of coverage for preexisting conditions from the high $1 million limit in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence.

It is possible to change the deductible from $0 all the way up to $25,000.

Our comparison also included policies from two additional companies, Seven Corners and Global Underwriters .

Seven Corners had two policies come up in the results, the Seven Corners Travel Medical Basic for $98.27 and the Seven Corners Travel Medical Choice policy for $136.71. Both of the Seven Corners policies include coverage for hurricane and weather, and the less expensive policy covers acts of terrorism.

Having insurance to cover unexpected medical expenses for anyone visiting the U.S. can be a smart money move.

An illness or accident could cause financial problems for visitors because of potentially having to pay for full health care costs. When planning your travel, be sure to check your current health insurance to find out if it will cover you in the U.S.

For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas Premium America). That’s about $2.42 or $5.81 a day, depending on the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Agent Information

Travel medical usa visitor basic & choice.

Best visitor health insurance benefits for up to 3 years

Why Should I buy Visitor's Insurance?

If you’re traveling to the United States, you should be aware medical expenses in the USA are some of the most expensive in the world. That’s why it’s important to consider travel insurance like Travel Medical USA Visitor to protect you if you become sick or hurt on your trip. Because it has scheduled benefits, it is priced affordably even for longer trips, and includes 24/7 multilingual travel assistance services provided by an experienced team who can help you find medical care.

Who can purchase this plan?

Non-United States citizens and non-United States residents who are traveling to the USA can buy Travel Medical USA Visitor. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.

Where can I travel?

If you wish to buy this plan, your travel destination must be the USA. The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage benefit for details.

Compare Travel Medical Visitor Insurance Benefits

Essential Coverage

Seven Corners Travel Medical USA Visitor Basic

Most Popular

Seven Corners Travel Medical USA Visitor Choice

You select the dollar amount for this limit. It is the limit for each injury or illness (occurrence) that occurs during your period of coverage. We cover injuries and illnesses that occur during your coverage period. Benefits are paid in excess of your deductible up to the medical maximum. Occurrence  is an illness or injury and includes all bodily disorders due to the same or related causes.

Initial treatment must occur within 30 days of the date of injury or onset of illness.

This is the amount you must pay per injury or illness before the plan begins paying.

This is a Cardiac care unit or other unit or area of a Hospital that meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units.

Telehealth Consultations or Care includes long-distance or remote (i) health-related services and information, (ii)treatment of injury or illness, or (iii) other live consultations, each of which involves an insured person and a physician or nurse practitioner at different locations using telecommunications technologies including internet, phone, video, audio, and computers. 

Considered a covered medical expenses when requested and approved by the attending Physician.

Private Duty Nursing Services includes: 

• Private duty nursing care only; and
• While Hospital confined; and 
• Ordered by a licensed Physician; and 
• Medically Necessary.  

General nursing care provided by the Hospital is not covered under this benefit.

Limited to routine tests such as complete blood count, urinalysis, and chest x-ray when administered within seven days of Hospital admission.

Only in connection with a Medical Emergency as defined in the plan document. Benefits will be paid for the use of the emergency room and supplies.

This benefit includes medically necessary rental of a non-motorized wheelchair, crutches, or a basic hospital bed for up to 60 days or the duration of the injury or illness, whichever ends first.

Benefits are limited to one Physician’s visit per day.

This means physical therapy, recommended by a Physician as Medically Necessary for the treatment of a specific Injury or Illness. It must be administered by a licensed physical therapist and be intended to improve, adapt or restore functions which have been impaired or permanently lost as a result of a covered Illness or Injury and involve goals an individual can reach in a Reasonable Period of Time.

This covers an illness or injury that begins on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month up to 60 days for every 364 days of purchased coverage. Unused days do not carry over to a subsequent 364-day period. It does not cover pre-existing conditions or an illness or injury that began while you were outside your home country.  Coverage is available if your period of coverage is greater than 30 days.

Many travel insurance plans do not cover pre-existing conditions. Seven Corners Travel Medical Visitor USA covers them through the Acute Onset of Pre-Existing Conditions benefit.

An Acute Onset of Pre-Existing Condition is the occurrence of a pre-existing condition that meets these criteria:

• It is sudden, unexpected, and occurs without advanced warning;
• It is a medical emergency;
• It occurs during the period of coverage;
• You obtained treatment within 24 hours of the occurrence;
• You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
• Your pre-existing condition is not congenital, a previously diagnosed chronic condition with expected episodes or flare-ups, or a deteriorating condition which cannot be controlled and gradually intensifies over time.

Review the plan document for more details.

Coverage ends on the earlier of:

• The condition no longer being considered acute or
• Your discharge from the hospital.

If you are injured as a result of terrorist activity, we will provide medical benefits if the following conditions are met:

• You have no direct or indirect involvement in the terrorist activity.
• The Terrorist Activity is not in a country/location where the U.S. government has issued a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory or the appropriate authorities of your host country or your home country have issued similar warnings, any of which have been in effect within 6 months before your date of arrival and
• You departed the country/location following the date a warning to leave was issued by the U.S. government or the appropriate authorities of your host country or your home country.

The plan can pay for emergency treatment for the relief of pain for sound natural teeth.  Coverage is available if your period of coverage is greater than 30 days.

The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting into a foreign object.

If medically necessary, we will pay and arrange to transport you to the nearest adequate medical facilities. The plan pays regardless of whether your evacuation is related to a pre-existing condition.  This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in a denial of benefits.

We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country. The plan pays regardless of whether your death is related to a pre-existing condition. You cannot use this benefit if you use the Local Cremation or Burial benefit. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in a denial of benefits.

This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. The plan pays regardless of whether your death is related to a pre-existing condition. You cannot use this benefit if you use the Return of Mortal Remains benefit. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in a denial of benefits .

This benefit pays funds if you die because of an injury caused by an accident that occurred while you were a passenger on a common carrier. A common carrier is a public air conveyance that transports passengers for hire.

The benefit can cover you up to 14 days when you travel to countries other than the United States. It does not cover travel to your home country, and it does not extend after your expiration date. This benefit must be used during your current period of coverage, and the trip must originate in the United States.  Coverage is available if your period of coverage is greater than 30 days.

Frequently asked questions

How this plan works, what documents do i receive after buying travel insurance from seven corners.

Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document.

The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for the plan. We recommend you read it, so you understand how your plan works. Refer to the plan document for applicable exclusions.

Who can buy a Seven Corners Travel Medical USA Visitor plan?

Non-United States citizens who are traveling to the USA can buy Seven Corners Travel Medical USA Visitor. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.

United States citizens, including those with dual citizenship, and Green Card/Permanent Resident cardholders cannot buy this plan for travel to the United States and U.S. territories.

Country Restrictions — We cannot sell to persons who are a resident of Cuba, Democratic People’s Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Israel, Nigeria, Sierra Leone, Syrian Arab Republic, and United States Virgin Islands.

If you wish to buy this plan, your travel destination must be the USA.

The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage benefit for details.

We cannot cover trips to Antarctica, Cuba, Democratic People’s Republic of Korea (North Korea), Islamic Republic of Iran, Israel, and Syrian Arab Republic.

How long can I be covered by this plan?

You can buy up to 364 days of coverage. If you buy less than 364 days, we will email you an extension notice before coverage ends. There is a $5 fee for each extension. If you purchase Seven Corners Travel Medical USA Visitor Choice, you can extend your coverage up to 1,092 days (3 years).

When does my coverage start?

Your plan's effective date is the start date of your plan, which begins at the latest of the following times:

• 12 a.m. the day after we receive your application and correct payment if you apply online;
• The moment you depart your home country;
• 12 a.m. on the date you request on your application.

All times above refer to United States Eastern Time.

When does my coverage end?

Your coverage ends on your expiration date, which is the earliest of the following times:

• The moment you return to your home country (except for coverage provided by the Incidental Trips to Home Country benefit);
• 11:59 p.m. on the date you reach the maximum period of coverage;
• 11:59 p.m. on the date shown on your ID card;
• 11:59 p.m. on the date that is the end of the period for which you paid premium; or
• The moment you fail to be eligible for the plan.

Does this plan provide primary coverage or secondary coverage?

It provides secondary coverage. All coverages except Common Carrier Accidental Death & Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. This Plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Will Seven Corners give me a refund for this plan if I’m not satisfied?

We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $35 cancellation fee, if you have not submitted any claims to Seven Corners.

Where can I find what is not covered by this plan?

You can find situations and items not covered by this plan in the exclusions section of the plan document.

Who provides the coverage for this plan?

Your underwriter is Crum & Forster SPC.

This plan includes international travel medical insurance underwritten by Crum & Forster SPC. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2023.

Seven Corners administers your plan.

Seven Corners will handle your travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own in-house team, Seven Corners Assist, will handle your travel assistance needs, including emergency services such as emergency medical evacuations and repatriations.*

*These types of service are not insurance and are not affiliated with Crum & Forster, SPC. They are provided by Seven Corners Assist.

Medical Benefits and Coverage

How do i find a medical provider when i’m traveling.

Find medical providers using our online tools or contact Seven Corners Assist .

Inside the United States — With the Seven Corners Travel Medical USA Visitor plan, you may seek treatment from any medical facility or provider you wish.

Outside of the United States — Seven Corners has a large directory of providers, and many of them have agreed to bill us direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.

Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

What is a pre-existing condition?

Pre-existing conditions include any injury or illness, including mental illness or mental or nervous disorder, which meet one or more of the following criteria before your effective date of coverage:

• You were diagnosed;
• You received treatment;
• Treatment was recommended to You;
• There is reasonable medical certainty that the injury or illness existed within the last 36 months, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed.

This includes any chronic, subsequent, or recurring complications of an injury or illness which meets the above criteria.

How does Seven Corners cover pre-existing conditions on Travel Medical USA Visitor?

Coverage amounts vary by age and plan. See the schedule of benefits in the plan document for details.

An Acute Onset of Pre-Existing Conditions is the occurrence of a pre-existing condition that meets these criteria:

Coverage ends when the first of these events occurs:

• The condition no longer being acute; or

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to arrival in the USA and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

PPACA – Patient Protection and Affordable Care Act

Does this plan provide benefits required by ppaca.

This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain U.S. citizens or U.S. residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.

• Travel Medical USA Visitor
• Travel Medical USA Visitor – Basic and Choice

Plan Documents

• Travel Medical USA Visitor Basic
• Travel Medical USA Visitor Choice

Limitations, exclusions and disclaimers from Crum & Forster, SPC.

Disclaimer: The above information is a summary of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan issued to the policyholder. For a detailed plan description, exclusions, and limitations please view the plan on file with Seven Corners, Inc. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this web page and the Policy.

303 Congressional Blvd.

Carmel, Indiana 46032

Our Markets

• Consumer Insurance
• Government Solutions
• Trip Protection
• Trip Protection Annual Multi-Trip
• Trip Protection USA
• Travel Medical
• Medical Evacuation and Repatriation
• Partnerships
• 24 Hour Urgent Travel Assistance
• Frequently Asked Questions
• Developer Portal
• System Status

[email protected]

Copyright © 2024 Seven Corners Inc. All rights reserved.

Privacy   |   Cookies   |   Terms of Use   |   Security