Travel Insurance To United States
Traveling is an exciting adventure, but without travel insurance to United States, it can quickly turn into a very expensive affair.
The U.S. is known for its high medical costs, and the last thing you want is to be caught off guard with an unexpected and expensive medical emergency. That’s why travel insurance for the United States is essential.
Travel Insurance protects you from expenses from unexpected events, including medical emergencies, hospitalization, doctor visits, emergency medical evacuation coverage, and possibly everything in between.
Best Travel Medical Insurance Plans For The United States
For visitors planning a trip to the U.S., choosing the right travel insurance coverage is crucial.
Here’s a list of the top-rated travel insurance plans that offer comprehensive benefits for unforeseen medical emergency expenses, emergency medical evacuation, trip interruption, and more.
| Travel Medical Insurance Plan | Travel Medical Insurance Coverage & Key Benefits |
|---|---|
| SafeVista Comprehensive | Offers coverage for medical expenses, emergency evacuation, trip interruption, and baggage loss. It’s a budget-friendly plan with high medical coverage limits, including coverage for the acute onset of pre-existing conditions. |
| Patriot America Plus | Covers medical expenses, acute onset of pre-existing conditions, emergency evacuation, and trip cancellation. Ideal for short-term visitors under 80 years. |
| Atlas America | Includes medical expenses, trip interruption, emergency evacuation, and baggage coverage. Customizable, affordable plan with evacuation coverage. |
| Safe Travels USA Comprehensive | Provides coverage for medical expenses, emergency evacuation, trip interruption, and baggage loss. This is a great value plan for traveling abroad, offering extensive coverage. |
| VisitorSecure | Covers medical expenses, trip interruption, emergency evacuation, and baggage coverage. Flexible options for trip protection and medical coverage. |
| Visitors Care | Medical expenses, emergency evacuation, trip interruption, and baggage coverage. Reliable with affordable trip protection and medical coverage. |
| INF Elite | Offers coverage for medical expenses, emergency evacuation, hospitalization, and trip interruption. Additionally, it provides specialized coverage for pre-existing conditions, making it ideal for high-risk travelers. |
| INF Premier | Covers medical expenses, emergency evacuation, hospitalization, and trip interruption. Excellent for seniors with pre-existing conditions. |
| Atlas Essential America | Provides medical expenses, emergency evacuation, and trip interruption coverage. A budget-friendly plan for short-term visits with basic medical coverage. |
| Seven Corners Travel Medical Basic USA | Includes medical expenses, emergency evacuation, and trip interruption coverage. Affordable with essential medical coverage and travel protection. |
See all travel medical insurance plans.
What Is Travel Insurance?
Travel insurance is designed to provide coverage for various risks you might encounter while traveling. Before you purchase travel insurance, it is important to understand that there are two main types of travel insurance. This ensures you get the right type for your trip:
Travel Medical Insurance:
- Also known as Visitor Insurance in the USA, it focuses primarily on medical coverage, including emergency medical expenses, hospitalization, and emergency evacuation. This is particularly important in countries like the U.S., where healthcare costs are high.
Trip Insurance:
- Covers trip-related disruptions, such as trip cancellations, delays, lost baggage, or missed connections. It’s ideal for protecting your investment in non-refundable travel costs.
In this article, we focus on travel medical insurance for the U.S. because medical expenses in the U.S. can be extraordinarily expensive.
Travel medical insurance ensures you are financially protected in case of illness or injury during your trip by covering eligible medical expenses.
Why Travel Insurance For The United States Is Essential
When traveling to the U.S., securing travel insurance is essential for the following reasons:
High Medical Costs
Medical bills in the United States can quickly spiral out of control, even for minor emergencies. Without insurance, even basic medical treatment could cost thousands of dollars. Having the right medical insurance ensures that you’re covered for both minor and major health emergencies, giving you peace of mind that you won’t have to bear significant financial burdens during your trip.
Emergency Evacuation
If you’re in a remote location or require urgent medical evacuation, the cost can be astronomical. Travel medical evacuation coverage ensures you’re covered for such emergencies, especially if you need to be transported to the nearest hospital. This protection is essential when traveling abroad, particularly to a country like the U.S., where emergency evacuation can easily cost tens of thousands of dollars.
Trip Protection
Some Travel medical insurance plans cover various trip-related benefits, including trip interruption, missed connections, lost or delayed baggage, lost or stolen passports, or travel documents. Some travel medical insurance plans, such as Atlas America, also offer unique benefits, including Border Entry Protection. This benefit reimburses the cost of return airfare to your home country if you are denied entry into the USA on a visitor visa.
Travel insurance ensures that you can enjoy your trip to the U.S. without worrying about the unexpected.
Travel Insurance For Pre-Existing Medical Conditions
If you have a pre-existing medical condition, it’s important to choose a travel insurance plan that provides the coverage you need. OnshoreKare offers a selection of plans specifically designed to cover pre-existing conditions, so you can travel with peace of mind knowing that your health is protected.
These plans typically include coverage for the acute onset of pre-existing conditions, which means you’re covered if a medical emergency related to your condition occurs during your trip.
At OnshoreKare, we also offer travel insurance plans that cover pre-existing conditions, providing you with flexible options that allow you to choose the right level of coverage based on your specific medical needs.
How To Choose The Best Travel Insurance Plan For Your U.S. Trip
Selecting the right insurance plan for your U.S. trip depends on several key factors. Here’s how to choose the plan that fits your needs:
1. Trip Length
For long-term trips, you may need a more comprehensive travel medical insurance plan that covers extended stays. Short-term visitors can opt for a more temporary medical insurance plan.
2. Medical Needs
If you have pre-existing conditions, ensure your plan includes coverage for them. Patriot America Plus and INF Elite are two excellent options for those requiring coverage for pre-existing conditions.
3. Evacuation Coverage
Check that your plan includes emergency medical evacuation coverage, especially if you’ll be traveling to remote or less accessible areas.
4. Trip Protection
If you’re concerned about unexpected disruptions, look for plans that cover trip cancellations, trip interruptions, and missed connections.
5. Coverage Limits
Ensure your plan offers sufficient coverage for medical expenses and trip-related costs. Pay attention to policy limits for medical evacuation and emergency medical expenses.
Factors To Consider When Purchasing Travel Insurance To The United States
Before you finalize your purchase, here are some additional points to consider:
Domestic Health Insurance vs. Travel Insurance
Many travelers mistakenly believe that their domestic health insurance will cover them while traveling abroad. Unfortunately, most domestic health insurance plans do not provide coverage outside of your home country. That’s why a dedicated travel health insurance plan is essential.
COVID-19 Coverage
In today’s climate, many travelers require coverage for COVID-19-related expenses, including medical treatment. Ensure your policy includes COVID-19 coverage if this is a concern for you.
Deductibles And Co-Pays
Consider the deductible and co-payment options. Some plans offer lower deductibles but higher premiums, while others have higher deductibles with lower premiums.
24/7 Assistance
It’s always beneficial to choose a provider that offers 24/7 customer assistance. This ensures help is available when you need it most, especially in the event of a medical emergency.
Frequently Asked Questions About Travel Insurance For The United States
Is travel insurance required for visiting the U.S.?
Although travel insurance is not required by law, it is strongly recommended due to the high medical expenses in the U.S. It protects you from unexpected costs.
Does my domestic health insurance cover me in the U.S.?
Typically, domestic health insurance doesn’t cover you abroad. Travel medical insurance is essential to cover medical expenses and emergency medical evacuation.
Can I buy travel insurance after arriving in the U.S.?
Yes, you can purchase travel insurance after you arrive. Some plans may require a waiting period (typically 1–5 days) before coverage becomes effective if purchased after arrival.
What’s the difference between trip insurance and travel medical insurance?
Trip insurance covers trip-related disruptions like cancellations or interruptions, while travel medical insurance covers emergency medical expenses and health issues during your trip.
Get the Right Travel Insurance for a Safe U.S. Trip
Choosing the right travel insurance is crucial for a stress-free U.S. trip. Whether you require medical coverage, trip protection, or evacuation coverage, the plans mentioned above offer comprehensive options tailored to various travel needs. By carefully evaluating your travel style and medical requirements, you can find a plan that provides peace of mind and financial protection during your visit to the U.S.
Why Choose OnshoreKare For Your Travel Insurance Needs?
OnshoreKare is a leading travel insurance marketplace in the USA, based in Silicon Valley, California.
We offer a wide choice of travel insurance plans tailored to the diverse needs of international travelers, whether you’re visiting the U.S. for a short trip or an extended stay, or traveling internationally.
You can find a policy that fits your budget, while dedicated customer support ensures you’re guided through the process whenever you need assistance. Licensed associates are available to help you select the right travel insurance plan for your needs.
For personalized assistance, call 1-855-652-5565. You can also WhatsApp us at +1-408-476-9699.
OnshoreKare prioritizes your peace of mind, offering reliable protection throughout your travels.
