IMG Patriot America Plus
Visitor medical insurance with PPO
- Coverage
- $50,000-$1,000,000; age 70+: up to $100,000
- Deductible
- $0-$2,500
- Minimum
- 5 days
Get a quote
on the IMG website
on the IMG website
Travel insurance for visitors to the USA, including parents
A visitor medical plan pays eligible doctor and hospital bills in the US after the deductible, up to the limit you choose. You can buy one for your parents with their passport details, for 5 days up to a year. It does not pay for ongoing care of conditions they already have, most plans cover only a sudden acute flare-up, and limits drop from age 65-70.
Buy the plan before your parents arrive, for the whole visit. Care in the US is expensive: health spending was $15,474 per person in 2024.
Plans that pay up to a high limit
After the deductible they pay eligible bills up to the limit you choose, and you buy them with a passport. Limits are lower from age 65 or 70.
WorldTrips Atlas America
Medical cover for US visitors
- Coverage
- $50,000-$2,000,000; age 65+: up to $100,000
- Cost
- From under $1 a day
- Deductible
- Deductible $0-$5,000
Get a quote
on the WorldTrips website
on the WorldTrips website
Lower price, set amounts per service
A fixed-benefit plan with a deductible of $0-$200 and no coinsurance. It is not sold to green card holders.
Seven Corners Travel Medical USA Visitor
Budget visitor medical plan
- Coverage
- Up to $150,000, fixed amount per service
- Deductible
- $0-$200 per illness or injury
- You need
- Not a US resident, no green card
Get a quote
on the Seven Corners website
on the Seven Corners website
Compare plans from several insurers
An insurance marketplace where you compare visitor medical plans from several insurers and buy online, also for your relatives.
Insubuy Visitors Insurance
Visitor insurance for parents
- You need
- Visit to the US from abroad
- Coverage
- Fixed or comprehensive plans
- Cost
- Same price as elsewhere
Get a quote
on the Insubuy website
on the Insubuy website
Step by step
- 1
Pick a coverage limit by age
WorldTrips Atlas America offers $50,000 to $2,000,000 and IMG Patriot America Plus $50,000 to $1,000,000 for younger travelers. From 65 at WorldTrips and from 70 at IMG the choice is $50,000 or $100,000, and from 80 it is $10,000. The Seven Corners fixed-benefit plan goes up to $150,000, depending on age.
- 2
Choose the deductible
The deductible is what you pay before the plan starts paying: $0-$5,000 at WorldTrips, $0-$2,500 at IMG and $0-$200 per illness or injury at Seven Corners. A higher deductible lowers the price. ER visits for illness cost extra: a $200 copay at WorldTrips unless you are admitted, and an extra $250 deductible at IMG without a hospital stay.
- 3
Read the pre-existing condition rule
Visitor plans do not pay for ongoing care of conditions that existed before the policy. Most cover only a sudden acute flare-up: WorldTrips for travelers under 80 who get treatment within 24 hours, IMG for travelers under 70, and Seven Corners after a 7-day wait, up to $75,000 through age 69 and $25,000 at 70-79.
- 4
Fixed amounts or a share of the bill
A fixed-benefit plan pays set amounts: Seven Corners pays up to $2,000 a day for a hospital room, up to $600 for ER services and up to $100 per doctor visit, and you pay the rest. Plans like IMG pay a share of the real bill up to the limit: after the deductible, 100% in the PPO network, and outside it 90% of the first $500 and then 100%.
- 5
Check who can buy
Seven Corners sells to people aged 14 days to 99 who do not live in the US, but not to green card holders or residents of some countries, including Nigeria, Ghana and Iran. IMG is for people who have left their home country and have not settled in the US. WorldTrips is for non-US citizens whose home country is not the US.
- 6
Buy before the trip or right after arrival
You can buy after your parents arrive, but nothing that happens before the start date is covered. IMG coverage runs from 5 days to 12 months and can be renewed up to 24 months. Seven Corners runs up to 364 days, and its Choice level can be extended up to 3 years.
- 7
J-1 visitors: minimum coverage
Exchange visitors on a J-1 visa and their J-2 family must have at least $100,000 of medical benefits per accident or illness, $25,000 for repatriation of remains and $50,000 for medical evacuation home. The deductible cannot be more than $500 per accident or illness.
Questions people ask
How much is travel insurance for visitors to the USA?
The price depends on age, trip length, the coverage limit and the deductible. WorldTrips plans start at less than $1 a day. A higher deductible lowers the price.
Does visitor insurance cover pre-existing conditions?
Not for ongoing care. WorldTrips covers a sudden acute flare-up for travelers under 80 who get treatment within 24 hours, IMG for travelers under 70, and Seven Corners after 7 days of coverage: up to $75,000 through age 69 and $25,000 at 70-79.
Can I buy visitor insurance after my parents arrive in the US?
Yes. WorldTrips and Insubuy sell plans to people who are already in the US. Coverage begins on the start date, and anything that happened before it is not covered.
What is the best visitor insurance for parents over 70?
At 70-79, WorldTrips offers $50,000 or $100,000 and still covers a sudden flare-up; IMG offers $50,000 or $100,000 without flare-up coverage; Seven Corners covers a flare-up up to $25,000. From 80, WorldTrips and IMG cap the limit at $10,000.
Can visitors buy health insurance on HealthCare.gov?
No. The Marketplace is for people who live in the US. Visitors buy travel medical plans like the ones on this page.
Do J-1 visa holders need health insurance?
Yes. J-1 exchange visitors and their J-2 family must be insured for the whole program: at least $100,000 per accident or illness, $25,000 for repatriation, $50,000 for medical evacuation, and a deductible of no more than $500.