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 Best Travel Medical Insurance Plans of 2024

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.

Best Travel Medical Insurance Marketplace, OnshoreKare
Best Travel Medical Insurance Marketplace, OnshoreKare

Top 3 Comprehensive Coverage Travel Medical Insurance Plans

  1. Patriot America Plus
  2. Atlas America
  3. Safe Travels USA Comprehensive

The Top 3 Limited Coverage Travel Medical Insurance Plans

  1. Visitors Care
  2. VisitorSecure
  3. Visitor Choice

Top 3 Pre-Existing Medical Conditions Coverage Travel Medical Insurance Plans

  1. INF Elite
  2. INF Premier
  3. Visitors Protect

Top 2 Travel Assistance Plans That Offers Pre-Existing Conditions Coverage

  1. Hop Mindoro
  2. Hop Trip Assist Plus
Free Quote, Best Travel Medical Insurance Plans

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 NamePatriot America Plus
Travel Insurance ProviderIMG
A.M.Best RatingA
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 Coverage5 days to 365 days
Age Eligible for Coverage14 days to 99 years
Plan ExtendableYes, Up to 365 days
Pre-Existing Conditions CoverageAcute onset of pre-existing conditions Coverage
PPO PlanUnited Healthcare PPO Network
Other Coverages/BenefitsTrip 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 NameAtlas America
Travel Insurance ProviderWorldTrips
A.M.Best RatingA
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 Coverage5 days to 364 days (total coverage)
Age for Coverage14 days to 99 years
ExtendableYes, Up to 364 days
Pre-Existing Conditions CoverageAcute onset of pre-existing conditions coverage
PPO PlanUnited Healthcare PPO Network
Other Coverages/BenefitsTrip 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 NameSafe Travels USA Comprehensive
Travel Insurance ProviderTrawick International
A.M.Best RatingA
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 Coverage5 days to 364 days
Age for Coverage1 year to 89 years
ExtendableYes, Up to 364 days
Pre-Existing Conditions CoverageAcute onset of pre-existing conditions coverage
PPO Network UsedFirst Health PPO Network
Other Coverages/BenefitsTrip 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 ExpensesCovered 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 Travel Medical Insurance Plans

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 NameVisitors Care
Travel Insurance ProviderIMG
A.M.Best RatingA
Policy Maximum Options$25,000, $50,000, $100,000
Deductible Options$0, $50, $100
Duration of Coverage5 days to 2 years
Age for Coverage14 days to 99 years
ExtendableYes, Up to 2 years
Pre-Existing Conditions CoverageAcute onset of pre-existing conditions coverage
PPO Network usedFirst Health PPO Network
Other Coverages/BenefitsEmergency Medical Evacuation coverage, Repatriation of Remains Coverage, AD&D and more
Urgent care$40, $60, $85 per visit / maximum 10 visits
COVID-19 ExpensesCovered 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 NameVisitorSecure
Travel Insurance ProviderWorldTrips
A.M.Best RatingA
Policy Maximum Options$10,000, $50,000, $75,000, $100,000, $130,000
Deductible Options$0, $50, $100, $200
Duration of Coverage5 days to 364 days
Age for Coverage14 days to 89 years
ExtendableYes, Up to 364 days
Pre-Existing Conditions CoverageAcute onset of pre-existing medical conditions coverage
PPO Network usedNot Available
Other Coverages/BenefitsEmergency Medical Evacuation coverage, Repatriation of Remains Coverage, AD&D and more
Urgent care$30, $85, $100, $130 per visit / maximum 10 visits
COVID-19 ExpensesCovered 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 NameVisitor Choice
Travel Insurance ProviderSeven Corners
A.M.Best RatingA
Policy Maximum Options$50,000, $100,000, $150,000
Deductible Options$0, $50, $100
Duration of Coverage5 days to 364 days
Age for Coverage14 days to 99 years
ExtendableYes, Up to 364 days
Pre-Existing Conditions CoverageAcute onset of pre-existing medical conditions coverage
PPO Network usedNot Available, visit any doctor
Other Coverages/BenefitsEmergency 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 treatmentCovered 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 NameINF Elite
Travel Insurance Provider INF Visitor Insurance
A.M.Best RatingA
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 Coverage90 days to 364 days
Age for Coverage0 years to 99 years
ExtendableYes, Up to 364 days
Pre-Existing Medical ConditionsCovered, coverage limits apply
PPO PlanUnited 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 treatmentCovered 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 NameINF Premier
Plan AdministratorINF 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 Coverage0 years to 99 years
Duration of Coverage90 days to 364 days
ExtendableYes, Up to 364 days
Pre-Existing Medical ConditionsCovered, coverage limits apply
PPO PlanUnited Healthcare PPO Network
Trip Interruption Benefit$1,000
Urgent Care VisitsCovered, $25 copay
Co-insurance Rate100% of URC (Usual and Customary Charges)
COVID-19 treatmentCovered 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 NameVisitors Protect
Travel Insurance Provider IMG
A.M.Best RatingA
Policy Maximum Options$50,000, $100,000, or $250,000
Deductible Options$250, $500, $1,000, $2,500, or $5,000
Duration of Coverage90 days to 12 months
Age for Coverage14 days to 99 years
ExtendableNot Extendable
Pre-Existing Medical ConditionsCovered, coverage limits apply
PPO Network usedUnited Healthcare PPO Network
Other Coverages/BenefitsEmergency Medical Evacuation coverage, Repatriation of Remains Coverage, AD&D and more
Urgent careCovered, In-Network $25 copay, Out-of-Network $50 copay
COVID-19 ExpensesCovered 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 NameHop Mindoro
Plan AdministratorINF 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 Coverage0 years to 99 years
Maximum Period of Membership364 days
ExtendableYes
Pre-Existing Medical ConditionsCovered (limits apply)
PPO PlanUnited Healthcare PPO Network (in the U.S.)
Other BenefitsEmergency Medical Evacuation, Repatriation of Remains, AD&D and more additional benefits
Trip Cancellation Benefit$10,000 (Optional)
Urgent Care VisitsCovered, $25 Medical Access Expense
Assistance Payment Rate100% of URC (Usual and Customary Charges)
COVID-19 BenefitsNot 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 NameHop Trip Assist Plus
Plan AdministratorINF Visitor Insurance
Membership Assistance Level Options$150,000, $300,000
Medical Access Expense$100, $250, $500, $1,000, $2,500, $5,000
Age for Coverage0 years to 99 years
Maximum Period of MembershipMinimum 10 days up to 364 days
Pre-Existing Medical ConditionsCovered (limits apply)
PPO PlanUnited Healthcare PPO Network (in the U.S.)
Other BenefitsEmergency 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.