Whether you're visiting parents, attending a conference, or exploring America as a tourist, choosing the right visitors insurance plan can save you from financial disaster. This guide compares the best travel insurance for visitors to the USA in 2025 — based on coverage, value, and real-world reliability.
Quick Answer
The best visitor insurance for the USA in 2025: IMG Patriot America Plus for broad coverage and PPO network access, Trawick Safe Travels USA Comprehensive for budget-conscious travelers and ages up to 89, and WorldTrips Atlas America for older travelers (70+). Use our free quote tool to compare real-time pricing.
Why Visitors to the USA Need Travel Insurance
The United States has no universal healthcare. If a visitor gets sick or injured, they pay full price — and those prices are among the highest in the world. A broken leg could cost $30,000. A cardiac event could easily exceed $100,000. Visitors insurance protects against these life-altering costs for a fraction of that amount.
Top 3 Visitors Insurance Plans for the USA — 2025
Tower Hill works with three of the most trusted providers in the US visitor insurance market. Here's how each plan stacks up:
IMG
Patriot America Plus
Coverage Max
Up to $1,000,000
Deductible
$0–$2,500
Pre-Existing
Acute onset covered
Pros
- ✓High coverage limits
- ✓Acute onset pre-existing covered
- ✓Trusted global brand
- ✓24/7 assistance
Cons
- –Slightly higher premium for older travelers
Best for: Most visitors wanting comprehensive, trusted coverage
Trawick International
Safe Travels USA Comprehensive
Coverage Max
Up to $1,000,000
Deductible
$0–$5,000
Pre-Existing
Broader pre-existing coverage available
Pros
- ✓Strong pre-existing condition options
- ✓Competitive pricing
- ✓Telehealth included
- ✓Direct billing at many hospitals
Cons
- –Network-based — out-of-network costs may be higher
Best for: Parents/grandparents with chronic health conditions
WorldTrips
Atlas America
Coverage Max
Up to $2,000,000
Deductible
$0–$5,000
Pre-Existing
Acute onset covered
Pros
- ✓Up to $2M maximum
- ✓Flexible deductible options
- ✓Competitive daily rates
- ✓Strong brand reputation
Cons
- –Some benefits require in-network providers
Best for: Value-conscious travelers wanting flexible deductibles
What to Look for When Comparing Plans
- Maximum coverage amount: Choose at least $100,000 for short trips; $500,000+ for extended stays or older visitors.
- Deductible: A $0 deductible means you pay nothing out-of-pocket before insurance kicks in. Higher deductibles lower the premium.
- Pre-existing condition coverage: If your visitor has chronic health conditions, prioritize plans with acute onset coverage.
- Network access: PPO-based plans let you visit any licensed US doctor or hospital. Check if a plan requires in-network providers.
- Policy maximum vs. per-incident maximum: Some plans cap coverage per illness/injury, not just overall. Read the fine print.
How to Buy the Right Plan
The fastest way to compare and buy visitors insurance for the USA is through Tower Hill's free quote tool. Enter the traveler's details, destination, and travel dates — and you'll see multiple plans side by side with exact pricing. You can buy online and receive instant policy documents by email.
Frequently Asked Questions
How much visitors insurance coverage is enough?
Most experts recommend at least $100,000 in medical benefits for a US visit. For older travelers or those with health concerns, $500,000 or more is advisable.
Can I extend my coverage if my visit is extended?
Yes — most plans allow you to extend coverage as long as you apply before the current policy expires and haven't had a claim. Contact Tower Hill support for help extending your plan.
Are prescription drugs covered?
Prescriptions directly related to a covered illness or injury are typically included. Routine maintenance medications for pre-existing conditions are generally excluded.