Best Travel Medical Insurance Plans of 2024
We want the best travel medical insurance plans when it comes to protecting our finances and ensuring we have medical coverage. If you have parents visiting the USA you want to purchase travel medical insurance plans this list of best plans will be super helpful.
Here are the top 3 lists of the best travel medical insurance plans from various travel insurance providers, these are medical coverage plans that are among the top choices among consumers.
Top 3 Comprehensive Coverage Travel Medical Insurance Plans
The Top 3 Limited Coverage Travel Medical Insurance Plans
Top 3 Pre-Existing Medical Conditions Coverage Travel Medical Insurance Plans
Top 2 Travel Assistance Plans That Offers Pre-Existing Conditions Coverage
Best Comprehensive Coverage Plans
Patriot America Plus
Patriot America Plus is a very popular comprehensive travel medical insurance plan offering medical coverage to international visitors and parents visiting the USA.
| Plan Name | Patriot America Plus |
| Travel Insurance Provider | IMG |
| A.M.Best Rating | A |
| Policy Maximum Options | $10,000, $50,000, $100,000, $500,000, $1,000,000 |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500 |
| Duration of Coverage | 5 days to 365 days |
| Age Eligible for Coverage | 14 days to 99 years |
| Plan Extendable | Yes, Up to 365 days |
| Pre-Existing Conditions Coverage | Acute onset of pre-existing conditions Coverage |
| PPO Plan | United Healthcare PPO Network |
| Other Coverages/Benefits | Trip Interruption Coverage, Identity Theft Benefit, Emergency Dental Treatment Benefit |
| In-Network urgent care | $25 co-pay, 100% thereafter up to policy maximum |
| Out-of-Network care | $25 copay, 80% for the first $5,000, 100% thereafter |
The Patriot America Plus plan is worth considering if you are looking for good coverage at a competitive insurance premium.
Patriot America Plus does not offer coverage for pre-existing medical conditions, but it does cover the acute onset of pre-existing conditions.
Atlas America
Atlas America is a travel medical insurance of choice for many when they are considering insurance for parents visiting the USA. It is perhaps one of the select travel insurance plans offering coverage limits as high as $2mn
Atlas America is a comprehensive travel insurance plan for non-U.S. citizens traveling outside their home country.
| Plan Name | Atlas America |
| Travel Insurance Provider | WorldTrips |
| A.M.Best Rating | A |
| Policy Maximum Options | $10,000, $50,000, $100,000, $500,000, $1,000,000, $2,000,000 |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500, $5,000 |
| Duration of Coverage | 5 days to 364 days (total coverage) |
| Age for Coverage | 14 days to 99 years |
| Extendable | Yes, Up to 364 days |
| Pre-Existing Conditions Coverage | Acute onset of pre-existing conditions coverage |
| PPO Plan | United Healthcare PPO Network |
| Other Coverages/Benefits | Trip Interruption benefit, Baggage delay, Lost Passport benefit |
| In-Network urgent care | $15 co-pay, 100% thereafter up to policy maximum |
| Out-of-Network care | $15 copay, 100% for the first $5,000, 100% thereafter up to the policy |
Atlas America is a good travel medical insurance plan with a high coverage limit and a wide range of choices for deductibles. Out-of-network services are covered at 100%. Though the plan does not offer coverage for pre-existing conditions, its coverage for the acute onset of pre-existing conditions is quite good.
Safe Travels USA Comprehensive
Safe Travels USA Comprehensive is as the name suggests a comprehensive travel medical insurance plan. It offers great coverage options to international visitors and parents visiting the USA.
| Plan Name | Safe Travels USA Comprehensive |
| Travel Insurance Provider | Trawick International |
| A.M.Best Rating | A |
| Policy Maximum Options | $50,000, $100,000, $500,000, $1,000,000 |
| Deductible Options | $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 |
| Duration of Coverage | 5 days to 364 days |
| Age for Coverage | 1 year to 89 years |
| Extendable | Yes, Up to 364 days |
| Pre-Existing Conditions Coverage | Acute onset of pre-existing conditions coverage |
| PPO Network Used | First Health PPO Network |
| Other Coverages/Benefits | Trip Interruption benefit, Baggage delay benefit, Emergency Medical Evacuation coverage, Repatriation of Remains coverage, and more |
| In-Network urgent care | $30 co-pay, 100% thereafter up to policy maximum |
| Out-of-Network care | $30 copay, 100% thereafter up to the policy maximum |
| COVID-19 Expenses | Covered as any other sickness |
It is a safe option to get medical coverage for visiting the USA with the benefit of acute onset of pre-existing medical conditions coverage.
These 3 are the best-selling comprehensive travel insurance policies. We always recommend getting comprehensive coverage as compared to a limited/fixed benefits plan as the coverage limits are higher.
Healthcare costs are very high in the USA but it is always good to assess your coverage needs and get a plan that meets those needs.
Best Limited Coverage Plans
Visitors Care
The Visitors Care is a fixed benefit plan for non-U.S. residents traveling outside of their home country. Visitors Care is a limited coverage plan.
| Plan Name | Visitors Care |
| Travel Insurance Provider | IMG |
| A.M.Best Rating | A |
| Policy Maximum Options | $25,000, $50,000, $100,000 |
| Deductible Options | $0, $50, $100 |
| Duration of Coverage | 5 days to 2 years |
| Age for Coverage | 14 days to 99 years |
| Extendable | Yes, Up to 2 years |
| Pre-Existing Conditions Coverage | Acute onset of pre-existing conditions coverage |
| PPO Network used | First Health PPO Network |
| Other Coverages/Benefits | Emergency Medical Evacuation coverage, Repatriation of Remains Coverage, AD&D and more |
| Urgent care | $40, $60, $85 per visit / maximum 10 visits |
| COVID-19 Expenses | Covered as any other sickness |
The plan is a good option if you are looking for a budget-friendly plan that provides coverage for your parents visiting the USA. It is one of the best-selling limited benefits plans.
VisitorSecure
VisitorSecure is a limited/fixed benefits travel medical insurance for visitors to the United States. This plan provides a pre-defined limit for medical coverage and any other benefit that the plan provides be it travel-related coverage or medical emergency cover etc. This is a great option for international travelers traveling to the USA or outside their home country.
| Plan Name | VisitorSecure |
| Travel Insurance Provider | WorldTrips |
| A.M.Best Rating | A |
| Policy Maximum Options | $10,000, $50,000, $75,000, $100,000, $130,000 |
| Deductible Options | $0, $50, $100, $200 |
| Duration of Coverage | 5 days to 364 days |
| Age for Coverage | 14 days to 89 years |
| Extendable | Yes, Up to 364 days |
| Pre-Existing Conditions Coverage | Acute onset of pre-existing medical conditions coverage |
| PPO Network used | Not Available |
| Other Coverages/Benefits | Emergency Medical Evacuation coverage, Repatriation of Remains Coverage, AD&D and more |
| Urgent care | $30, $85, $100, $130 per visit / maximum 10 visits |
| COVID-19 Expenses | Covered as any other sickness |
The plan does not provide PPO network access and you can visit any doctor. This plan is a good budget-friendly plan providing coverage while traveling to the U.S. and internationally especially when you have relatives visiting you in the U.S.
Visitor Choice
Seven Corners Travel Medical USA Visitor Choice is a travel medical insurance plan with fixed coverage limits. This travel medical insurance plan offers coverage to non-U.S. Residents and non-U.S. Citizens traveling to the USA.
| Plan Name | Visitor Choice |
| Travel Insurance Provider | Seven Corners |
| A.M.Best Rating | A |
| Policy Maximum Options | $50,000, $100,000, $150,000 |
| Deductible Options | $0, $50, $100 |
| Duration of Coverage | 5 days to 364 days |
| Age for Coverage | 14 days to 99 years |
| Extendable | Yes, Up to 364 days |
| Pre-Existing Conditions Coverage | Acute onset of pre-existing medical conditions coverage |
| PPO Network used | Not Available, visit any doctor |
| Other Coverages/Benefits | Emergency Medical Evacuation Coverage, Repatriation of Remains Coverage, AD&D and more |
| Urgent care | $100 per visit, 1 visit per day, maximum 30 visits |
| COVID-19 treatment | Covered as any other sickness or illness |
This travel medical insurance plan provides an Emergency Medical Evacuation limit of $100,000 and this limit is separate from the policy’s medical maximum benefit. This is a great choice for limited coverage plans.
Best Pre-Existing Medical Conditions Coverage Plans
INF Elite
The INF ELITE travel medical insurance plan offers coverage to non-US Residents traveling to the US, Canada, or Mexico. INF Elite IVAS (International Visitor Accident and Sickness) Plan is a good choice for parents visiting the USA who need coverage for pre-existing medical conditions.
| Plan Name | INF Elite |
| Travel Insurance Provider | INF Visitor Insurance |
| A.M.Best Rating | A |
| Policy Maximum Options | $75,000, $150,000, $250,000, $300,000, $500,000 or $1,000,000 |
| Deductible Options | $100, $250, $500, $1,000, $2,500, $5,000 |
| Duration of Coverage | 90 days to 364 days |
| Age for Coverage | 0 years to 99 years |
| Extendable | Yes, Up to 364 days |
| Pre-Existing Medical Conditions | Covered, coverage limits apply |
| PPO Plan | United Healthcare Options PPO Network |
| Trip Interruption Benefit | $1,000 |
| In-Network Urgent Care | $25 copay, 80% or 90% of the Preferred Allowance |
| Out-of-Network Urgent Care | $50 copay, 60% or 70% of URC (Usual and Customary Charges) |
| COVID-19 treatment | Covered as any other sickness or illness |
Need to purchase travel medical insurance? It is important to note that INF Elite needs a minimum of 90 days of purchase and needs to be bought before leaving the home country. INF Elite is not available to US residents and is only available to non-US residents
INF Premier
The INF Premier travel medical insurance plan offers coverage to visitors traveling outside their home country, including the USA, Canada EU, UK, and Australia. INF Elite IVAS (International Visitor Accident and Sickness) Plan is a limited/fixed benefit plan and pays a pre-defined fixed benefit for every covered incident.
| Plan Name | INF Premier |
| Plan Administrator | INF Visitor Insurance |
| Policy Maximum Options | $100,000, $1,50,000, $3,000,000, $500,000, $1,000,000 |
| Deductible Options | $75, $100, $250, $500, $1,000, $2,500, $5,000 |
| Age for Coverage | 0 years to 99 years |
| Duration of Coverage | 90 days to 364 days |
| Extendable | Yes, Up to 364 days |
| Pre-Existing Medical Conditions | Covered, coverage limits apply |
| PPO Plan | United Healthcare PPO Network |
| Trip Interruption Benefit | $1,000 |
| Urgent Care Visits | Covered, $25 copay |
| Co-insurance Rate | 100% of URC (Usual and Customary Charges) |
| COVID-19 treatment | Covered as any other sickness or illness |
Need to purchase travel medical insurance? It is important to note that INF Premier needs a minimum of 90 days of purchase and needs to be bought before leaving the home country. INF Premier is not available to US residents and is only available to non-US residents
Visitors Protect
The Visitors Protect plan is a comprehensive travel medical insurance plan specifically designed for individuals and families traveling from their home country to the United States, Canada, and Mexico. This plan offers coverage for pre-existing conditions and is a good choice for parents visiting the USA who need coverage for pre-existing medical conditions.
| Plan Name | Visitors Protect |
| Travel Insurance Provider | IMG |
| A.M.Best Rating | A |
| Policy Maximum Options | $50,000, $100,000, or $250,000 |
| Deductible Options | $250, $500, $1,000, $2,500, or $5,000 |
| Duration of Coverage | 90 days to 12 months |
| Age for Coverage | 14 days to 99 years |
| Extendable | Not Extendable |
| Pre-Existing Medical Conditions | Covered, coverage limits apply |
| PPO Network used | United Healthcare PPO Network |
| Other Coverages/Benefits | Emergency Medical Evacuation coverage, Repatriation of Remains Coverage, AD&D and more |
| Urgent care | Covered, In-Network $25 copay, Out-of-Network $50 copay |
| COVID-19 Expenses | Covered as any other illnesses |
While in the USA after the deductible is satisfied:
- In-network the plan pays 75% of eligible medical expenses up to the policy maximum.
- Out-of-network the plan pays 60% of eligible medical expenses up to the policy maximum.
It is important to note that Visitors Protect needs a minimum of 90 days of purchase and needs to be bought before leaving the country of residence.
Hop Mindoro
The Hop Mindoro plan is a fixed benefit Pre-existing conditions coverage travel assistance membership providing fixed benefits for eligible travel, medical, legal, and personal expenses for covered events for travelers visiting anywhere worldwide outside their home country. This means this membership pays out a pre-determined fixed amount of benefits as listed in the membership subscription agreement. Hop offers medical assistance for Pre-existing conditions including worsening of stable, pre-existing conditions. Members are advised to access Hop Assist for assistance services to access benefits.
| Plan Name | Hop Mindoro |
| Plan Administrator | INF Visitor Insurance |
| Membership Assistance Level Options | $25,000, $50,000, $75,000 |
| Medical Access Expense | $0, $100, $250, $500, $1,000, $2,500, $5,000 |
| Age for Coverage | 0 years to 99 years |
| Maximum Period of Membership | 364 days |
| Extendable | Yes |
| Pre-Existing Medical Conditions | Covered (limits apply) |
| PPO Plan | United Healthcare PPO Network (in the U.S.) |
| Other Benefits | Emergency Medical Evacuation, Repatriation of Remains, AD&D and more additional benefits |
| Trip Cancellation Benefit | $10,000 (Optional) |
| Urgent Care Visits | Covered, $25 Medical Access Expense |
| Assistance Payment Rate | 100% of URC (Usual and Customary Charges) |
| COVID-19 Benefits | Not provided to members who are not fully Vaccinated |
Hop Mindoro is not an insurance product but is a travel assistance membership program. This membership is not available to US -residents and is only available to non-US residents. The membership should be purchased before the trip’s start date.
Hop Trip Assist Plus
The Hop Trip Assist Plus plan is a comprehensive Travel assistance for Pre-existing conditions providing benefits for eligible travel, medical, legal, and personal expenses for covered events for travelers visiting anywhere worldwide outside their home country. Hop offers medical assistance for Pre-existing conditions including worsening of stable, pre-existing conditions. Members are advised to access Hop Assist for assistance services to access benefits.
| Plan Name | Hop Trip Assist Plus |
| Plan Administrator | INF Visitor Insurance |
| Membership Assistance Level Options | $150,000, $300,000 |
| Medical Access Expense | $100, $250, $500, $1,000, $2,500, $5,000 |
| Age for Coverage | 0 years to 99 years |
| Maximum Period of Membership | Minimum 10 days up to 364 days |
| Pre-Existing Medical Conditions | Covered (limits apply) |
| PPO Plan | United Healthcare PPO Network (in the U.S.) |
| Other Benefits | Emergency Medical Evacuation, Repatriation of Remains, AD&D and more, additional benefits |
| Trip Cancellation Benefit | $10,000 (Optional) |
| Urgent Care Visits | $25 Medical Access Expense |
Conclusion
As we step into 2024, the landscape of travel medical insurance has evolved to offer a diverse array of comprehensive plans catering to the unique needs of travelers. The best travel medical insurance plans of 2024 prioritize not only the fundamental aspects of coverage, such as medical emergencies and trip cancellations but also embrace the changing dynamics of global travel, including considerations for pandemics like COVID-19. From extensive networks and flexible coverage options to efficient claims processing, these top plans provide peace of mind for individuals embarking on journeys worldwide. As you plan your travel in 2024, carefully review and select a travel medical insurance plan that aligns seamlessly with your itinerary and preferences, ensuring a secure and worry-free adventure.
