Everything you need to know about Visitor Insurance

Everything you need to know about Visitor Insurance

Are you planning a trip to the United States and looking for the best international visitor insurance in USA? Whether you’re visiting the US or traveling overseas, it is always a good idea to ensure you and your loved ones are covered to avoid surprise medical expenses.

In this blog, you will learn everything you need to know about visitor insurance when coming to the US.

What is Visitor Insurance?

Before we delve into the best visitor insurance in USA for your needs, we want to understand the basics of visitor insurance.

First, let’s try to understand the term “Insurance.” Insurance is a means to protect yourself against unexpected losses. There are many types of insurance, ranging from health to life.

Visitor Insurance is much more than health insurance for visitors to USA. It covers both travel-related expenses and unexpected medical expenses arising from unforeseen illnesses that occur after procuring the policy. Visitor insurance covers medical expenses outside your home country and protects you from unforeseen events. Your visitor insurance is good for tourists and other select visas.

What is covered in a visitor insurance plan?

Medical costs in the United States are exorbitant. Therefore, purchasing health insurance for international visitors to the USA makes perfect sense. Visitor insurance can pay for doctor visits and let you avail of medical assistance when you need it.

Depending on your coverage, your plan may offer the following —

● Injuries that happen during the trip

Cover expenses related to an unexpected injury or illness, such as ambulance, intensive care, and other services used to treat the condition.

● Acute onset of pre-existing conditions

Your insurance may pay for a sudden and unexpected outbreak or recurrence of a pre-existing condition.

● Emergency Evacuation

Visitor insurance will typically cover the cost of evacuating you to the closest medical facility and transportation fees arising from the evacuation.

● Mortal Remains

This benefit will pay to return your mortal remains to your home country. It will also cover other costs, such as burial and cremation in the place of death.

What doesn’t visitor insurance cover?

Here are some services that your visitor insurance may not cover —

  • Vision
  • Maternity coverage
  • Pre-existing medical conditions
  • Immunizations, such as flu shots
  • Routine physical exams
  • Preventive Care checkups

What are the types of visitor insurance?

There are typically two types of visitor insurance plans. These are Fixed and Comprehensive coverage plans. If you’re looking for the best USA visitor health insurance and visitor medical insurance, VisitorPLANS has a plan for you!

Fixed Plans

As the name suggests, a fixed benefit plan has a scheduled limit for every service in the policy. For example, if your visitor insurance plan has a cap of $50 per visit and your visit to the physician costs $100. Your visitor insurance plan will pay up to $50, including deductibles, and you will be responsible for paying the remainder of $50.

Comprehensive Plans

Comprehensive plans have broader coverage and better payout benefits and claims than fixed coverage plans. You choose the policy maximum and deductible at the time of purchase. They are ideal for individuals in a higher age bracket requiring more medical visits.

What is the difference between visitor insurance and visitor medical insurance?

Though the terms “visitor insurance” and “visitor medical insurance” may seem different, they are, in fact, synonymous. Visitor Medical Insurance or visitor insurance is suitable for those seeking regular medical care and getting medical assistance in the case of an emergency or an unexpected illness.

Should you buy visitor insurance from the US?

Yes. Here are some reasons you should buy visitor insurance from the US.

  1. You are visiting the United States and need medical care in case of an unexpected illness or injury.
  2. Your local medical insurance may not cover expenses incurred during your trip to the US.
  3. Visitor Insurance purchased from a US-based carrier makes it easy for them to bill you directly and file a claim for reimbursement.
  4. The CDC (Centers for Disease Control and Prevention) and your U.S. passport recommend purchasing visitor insurance for the duration of your stay in the United States.
  5. Finally, VisitorPLANS have qualified agents who can assist you with your claims.

Check out the various options for international health insurance in the US here.

How does visitor health insurance work?

Here is a quick guide on how visitor health insurance works at VisitorPLANS.

How to Purchase a Visitor Insurance

1. Get a quote to choose your plan.

VisitorPLANS is one of the largest visitor insurance agencies in the United States, offering fixed and comprehensive plans to families and individuals traveling outside your home country. Simply visit our website and enter the following details —

● home and destination country,
● travel dates,
● applicant age,
● spouse age,
● number of children and their ages

Alternatively, you can call Visitor Plans at 1-855-5-VISITOR or 1-510-353-1180, and our agents will be happy to assist you.

2. Complete the purchase

Choose the right visitor insurance plan for your needs from the options. After you complete your purchase, a policy number will be generated on the confirmation page, and you will receive an email confirmation with your insurance ID card. Some providers will mail you a physical copy upon request.

What happens after you purchase the visitor insurance plan?

Your insurance starts on the day specified in your policy. Make sure you carry your physical insurance card or provide the card details over the phone when you make an appointment at the doctor’s office.

Providers in the PPO network will typically bill the insurance carrier directly. Out-of-network providers may bill you directly, so you must file a claim with the insurance carrier for reimbursement.

How much does visitor insurance cost?

The cost of visitor insurance is determined by a few variables, such as the applicant’s age, length of the trip, and policy maximum and deductible you desire.

Get a quote instantly for various plans and choose the best visitor health insurance in USA for your needs.


A visitor insurance plan provides peace of mind and removes the stress of finding medical help when you need it in a foreign country. Your visitor insurance will cover your unexpected medical expenses and hospital visits, letting you enjoy your trip in peace. Visit our website to quote, compare, and buy.

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