Why visitors need it
The U.S. has some of the highest medical costs in the world, and foreign health plans and government programs usually don't cover care here. One emergency room visit or short hospital stay can cost thousands of dollars.
Two main types of plan
- Fixed-benefit plans: cheaper, but pay set amounts per service, which may leave a large share of the bill to you.
- Comprehensive plans: cost more, but pay a percentage of the actual bill after the deductible, up to the policy maximum.
Get a quote for your visitors
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Pre-existing conditions
Most visitor plans exclude ongoing pre-existing conditions. Some include limited "acute onset" cover for a sudden, unexpected flare-up of an existing condition. This matters a lot for older parents, so compare this benefit carefully.
How much cover to choose
Many families choose a policy maximum of at least $100,000 for visitors, and more for older travelers or longer stays. A lower deductible raises the price but reduces what you pay at the doctor.
Buying tips
- Buy before they leave home, and start the policy on their arrival date.
- Check whether the plan works with a network of U.S. doctors and hospitals.
- Most plans can be extended online if the visit gets longer.
Compare more visitor plans
Insubuy lists visitor medical plans for many ages and budgets.
Find a plan that fits your budget
Estimate your price, then compare insurers side by side.
General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.