Visitors Insurance for the USA
US healthcare is the most expensive on earth and visitors pay list price. Visitor-medical plans put a US hospital network and real limits between your guests and those bills.
Get an instant comparison for your trip
Why it matters
- An uninsured ER visit averages $2,000–3,000; an appendectomy $30,000+; a cardiac admission can clear $100,000 — visitors are billed full list price.
- US-network plans (IMG, Seven Corners) direct-bill hospitals so families aren’t fronting five-figure sums and chasing reimbursement.
- Acute-onset pre-existing cover is the decisive feature for visiting parents — it covers the sudden diabetic/cardiac episodes standard exclusions would deny.
5 plans built for this
IMG (International Medical Group)
IMG Patriot America Plus
The benchmark visitor-medical plan for parents and guests visiting the USA.
Up to $250,000 (selectable) medical cover →
IMG (International Medical Group)
IMG Patriot Platinum
Premium travel medical with sums insured up to $8M and top-tier assistance.
Up to $1,000,000 (selectable to $8M) medical cover →
Seven Corners
Seven Corners Travel Medical USA
Flexible visitor medical for the USA with strong acute-onset benefits.
Up to $175,000 (selectable) medical cover →
ICICI Lombard
ICICI Lombard Senior Citizen Travel
Purpose-built for travellers 61–85, with pre-existing life-threat cover.
$50,000 medical cover →
Bajaj Allianz General Insurance
Bajaj Allianz Travel Prime Senior
Dedicated senior plan (61–75) with medical cover tuned for US family visits.
$50,000 medical cover →
Buy with a real consultant — not just a checkout form
Our consultants confirm final premiums with the insurer, check the wording against your trip (visa rules, activities, health declarations), and stay on the file for claims help.
How to buy it right
- Buy $100k minimum for visitors under 60, $250k for parents 60+ — US costs justify the gap over the cheapest tier.
- Compare fixed-benefit vs. comprehensive plans: fixed plans look cheap but cap each line item (e.g. $50/doctor visit) far below US prices; every plan we list is comprehensive.
- Longer stays: buy the full stay upfront — these plans extend easily, but a new policy after a diagnosis excludes it as pre-existing.
Frequently Asked Questions
Which visitor insurance is best for parents visiting the USA from India?
For parents under 70: IMG Patriot America Plus or Seven Corners Travel Medical USA with $100k–250k cover and acute-onset pre-existing benefits. Indian senior plans (ICICI Lombard Senior, Bajaj Allianz Senior) are alternatives purchasable in India in INR. Our comparison quotes both routes side by side.
Do visitor plans cover pre-existing conditions?
They cover the acute onset — a sudden, unexpected flare-up requiring emergency care — up to a sub-limit and age cap (usually 69 or 79). Routine management, medication refills and known instabilities are not covered by any visitor plan.
Can visitor insurance be bought after arriving in the USA?
Yes — IMG and Seven Corners enrol post-arrival, sometimes with a short waiting period for illness benefits. Buying before departure avoids the gap.
Other trip types
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.