10 Best Health Insurance for Visitors to USA
The United States has always been known to take progressive steps towards innovative and cost-effective delivery of technology-enabled, patient-centered, “smart” health care. However, driven by the reforms in the country’s healthcare system, Americans spent twice as much on healthcare as 10 high-income nations in 2016, paying a high price of everything from prescription drugs to doctors’ salaries, according to a study published in the Journal of the American Medical Association.
In a country where healthcare is a burden on its own citizens, one can imagine the cost a visitor will have to bear if they should fall ill during their trip to the US. This makes it more than necessary for every traveler to America to invest in travel medical insurance.
I have created a list of the 10 best health insurance plans, categorized according to the age of the applicant.
10 Best Health Insurance Plans for Visitors to the US
Best Limited Coverage Plans for Ages up to 70 Years
The best limited coverage visitors insurance plans for people under 70 are:
- ChoiceAmerica Insurance: Administered by IMG, ChoiceAmerica is a basic coverage travel insurance plan that is available at an affordable price with limited benefits, including pre-existing medical coverage and dental coverage.
- Visitors Care Insurance: Another basic plan by IMG, Visitors Care Insurance is available at an affordable price with limited benefits. The key features of this plan are amusement park coverage, cruise coverage, loss of passport and border entry protection.
- Inbound USA Insurance: Inbound USA Insurance is a limited coverage plan administered by Seven Corners, available to non-US citizens or any kind of visa holder visiting America for a short trip.
Best Comprehensive Visitors Insurance Plans for Age Groups up to 70
- Cover America-Gold Insurance: Administered by Seven Corners and carried by Lloyd’s of London, CoverAmerica – Gold offers medical insurance coverage and emergency services, such as missed connection, loss of passport or travel documents, emergency medical reunion for non-US citizens and non-US residents traveling to the USA. The plan pays 100% within the PPO network, after the applicable deductible.
- Patriot America Plus Insurance: Patriot America Plus an A-rated visitors travel plan administered by IMG. The plan is best suited for individuals and families traveling to the US and offers health coverage and emergency services. It covers trips as short as 2 days and as long as 2 years. Patriot America Plus provides a wide range of plan maximum limits and deductible options.
- Liaison Continent Insurance: Liaison Continent Insurance –Plan A is another great choice that offers medical coverage and emergency services on a trip of up to 187 days.
For Applicants Aged 70-79 Years
- Atlas America Insurance: Atlas America Insurance is a visitors plan, administered by HCC MIC, that provides medical coverage and emergency services for travellers to the US. The plan offers coverage from $50,000 up to $2,000,000 for acute onset of a pre-existing condition.
- International Major Medical: Administered by PIU, International Major Medical Insurance offers travel health insurance coverage and emergency medical services to visitors to America.
- Patriot Platinum Insurance: Patriot Platinum Insurance is a travel medical insurance plan administered by IMG. The plan covers all the basic expenses expected from traditional travel insurance. The best part is that the plan offers coverage of up to $50,000 for Sudden and Unexpected Recurrence of a Pre-Existing Condition.
Best Travel Insurance Option for People above 80 Years
- Safe Travels USA Insurance: Safe Travels USA Insurance is a comprehensive coverage plan administered by Trawick International. The plan covers up to the first $1000 of covered expenses for the unexpected recurrence of a pre-existing medical condition.
Although elderly visitors have the options to choose from limited coverage plans, it is recommended to go for a comprehensive plan to ensure better protection through the entire trip.