The best U.S. travel insurance covers high medical costs, emergencies, pre-existing conditions, and offers 24/7 support. Vincent Gerbouin / Pexels
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Best Travel Insurance Plans for United States
When planning a trip to the United States, having reliable travel insurance is more than just a precaution; it’s a smart investment in your peace of mind. From high medical costs to unexpected trip delays, even a short visit can come with financial risks.
The United States doesn’t offer free healthcare for visitors, and even a minor emergency can cost thousands of dollars. That’s why choosing the right travel insurance plan is crucial.
Whether you’re visiting family, exploring national parks, or traveling for business, here are the best travel insurance plans tailored to different needs, each with unique features that go beyond the basics to keep you protected throughout your journey.
Now, let’s explore the 10 best travel insurance plans for United States here on your journey through the Land of Diversity.
It’s not mandatory, but highly recommended for seniors, solo, and long-term travelers. Quintingellar / Pexels
1. Trawick International – Safe Travels USA Comprehensive
Trawick International’s Safe Travels USA Comprehensive plan is one of the top choices for elderly travelers visiting the U.S., especially those who may have pre-existing health conditions.
What makes it stand out is its generous coverage for the acute onset of pre-existing conditions, even for travelers up to the age of 89, something many other plans don’t offer.
It gives you the flexibility to choose how much medical coverage you want (up to $1 million), which is really helpful in a country where healthcare can be expensive.
You also have the option to adjust your deductible and the length of your coverage to fit your trip. Plus, it includes protection for COVID-19-related expenses, making it a reliable and customizable safety net for older adults visiting the U.S.
2. IMG – Patriot America Plus
IMG’s Patriot America Plus is a wonderful option for long-term travelers or international students coming to the United States. One of its standout benefits is that it offers coverage for up to 24 continuous months, making it an excellent choice for travelers planning a long stay in the U.S.
The plan includes essential benefits like emergency medical evacuation, repatriation (in case you need to return to your home country due to serious illness or death), and travel interruption coverage if your trip gets cut short for unexpected reasons.
It also provides limited protection for the acute onset of pre-existing conditions, which can be a big relief in emergencies. Another bonus is that you can add extra coverage for adventurous activities like skiing or hiking, so if you’re planning fun or risky experiences, this plan gives you the flexibility to stay protected.
The U.S.’s varied climate makes travel insurance vital for weather-related disruptions. Pierre Blache / Pexels
3. VisitorsCoverage – CoverAmerica-Gold
VisitorsCoverage’s CoverAmerica-Gold plan is one of the most complete and traveler-friendly insurance options for anyone visiting the United States. What makes it stand out is its attention to real travel issues, not just medical ones.
For example, it includes border entry protection, which means if you’re delayed or denied entry for covered reasons, you have support. It also helps if your plans are affected by COVID-related delays, offering reimbursements and coverage that many standard plans don’t.
A really cool feature is SmartDelay; if your flight is delayed, you can get free access to airport lounges, turning a frustrating wait into a more comfortable experience.
Plus, the plan includes telemedicine services in various languages, making it easy to talk to a doctor without language barriers. And if you change your mind early, there’s a free look period that allows a full refund, making this plan flexible, modern, and stress-free.
4. Seven Corners – Liaison Travel Plus
Seven Corners’ Liaison Travel Plus is a solid choice for thrill-seekers, global adventurers, or anyone looking for flexible protection during their U.S. visit. What makes this plan unique is that it offers optional coverage for high-risk activities like skiing, ziplining, scuba diving, and more—perfect if your trip includes a bit of adrenaline.
It also provides coverage for political evacuation and even incidents related to terrorism, which gives peace of mind in unpredictable situations. You can also tailor your urgent care expenses by choosing a copay amount that fits your comfort level, giving you more control over your medical costs during the trip.
Plus, it connects you to a broad network of healthcare providers across the U.S. with the benefit of cashless billing, so you won’t need to pay large amounts upfront. It’s a flexible, protective plan made for active and international travelers.
5. Allianz Travel – OneTrip Prime
Allianz Travel’s OneTrip Prime is a fantastic choice for families heading to the U.S. on vacation. One of its best perks is that it covers children under 17 at no extra cost when they’re traveling with a parent, which can save you a lot on premiums.
It also comes with SmartBenefits®, which means you can get automatic, quick payouts for common travel problems like flight delays or lost luggage—no need to fill out long forms.
If you need help during your trip, their 24/7 multilingual support team is always available, which is really useful if you’re traveling in a country where you don’t speak the language.
A unique feature is that it even covers trip interruptions caused by school year extensions, like if your child’s school calendar suddenly changes and you have to cut the trip short. This plan is made with families in mind—flexible, helpful, and budget-friendly.
6. Atlas America by World Trips
Atlas America by WorldTrips is the best option for solo travelers or anyone visiting the U.S. for the first time. One of its most helpful features is direct billing with many hospitals across the U.S., which means you won’t have to pay everything upfront and wait for reimbursement, especially important in emergencies.
It also provides coverage for the acute onset of non-chronic pre-existing conditions, which can give peace of mind if you’re worried about sudden health issues during your stay. Another valuable benefit is Accidental Death and Dismemberment (AD&D) coverage, which provides financial protection in case of a severe accident.
And if you’re watching your budget, the plan offers affordable daily rates, so you can get the best protection without overspending. It’s a simple, reliable plan made for first-time and solo visitors who want coverage without complications.
7. Faye Travel Insurance (App-Based)
Faye Travel Insurance is perfect for tech-savvy travelers who prefer everything at their fingertips. The entire experience, from buying the policy to filing a claim, is managed through an easy-to-use app. You get real-time support and 24/7 assistance, so help is just a tap away whenever you need it.
The plan covers a wide range of travel issues like lost luggage, flight cancellations, and trip interruptions, which means you’re protected from the most common travel headaches. What makes Faye really stand out is that it combines health, trip, and financial protection all in one plan so you don’t need to buy separate coverages.
If you’re eligible for a reimbursement, the amount is instantly transferred to your digital wallet, allowing you to access your money quickly without any complicated steps. It’s a smart, modern solution for today’s connected traveler.
8. Tokio Marine HCC – VisitorSecure
It’s a budget-friendly travel insurance option that’s ideal for travelers who want basic protection without spending too much. It’s a fixed-benefit plan, which means it pays a set amount for specific services, helping you manage costs while still getting essential coverage.
This makes it especially popular with parents visiting their children in the U.S. or families planning short visits. The plan offers different coverage tiers, so you can choose the one that best fits your budget and travel needs.
Despite being affordable, it still includes useful benefits like emergency dental care and Accidental Death and Dismemberment (AD&D) coverage. If you’re looking for simple, cost-effective protection for your trip to the U.S., this plan is a solid choice.
9. AXA Assistance USA – Silver Plan
AXA Assistance USA’s Silver Plan is a smart and affordable choice for travelers heading to the U.S. for short trips, especially for business purposes or quick vacations. It offers all the essential coverage you need, like protection for medical emergencies, lost or delayed baggage, and trip cancellations or interruptions, without adding extras that drive up the price.
The plan is known for its simple online claim process and direct billing within the U.S. network, which means you won’t have to pay large medical bills upfront. If you need help, their customer support team is reliable and responsive, and reimbursements are processed quickly. It’s especially ideal for those attending conferences, business meetings, or city tours, giving you solid protection without unnecessary complications.
10. AIG Travel Guard – Preferred Plan
AIG Travel Guard’s Preferred Plan is a top-tier choice for luxury travelers or anyone who doesn’t mind spending more for premium protection. It goes beyond the basics by offering concierge services like help with dinner reservations, event tickets, and travel bookings—which adds a personal touch to your trip.
You can also upgrade the policy to include “cancel for any reason” coverage, giving you the freedom to change your mind without losing your investment. The plan includes excellent medical evacuation and repatriation benefits, which are crucial if you face a serious emergency abroad.
It also takes care of the little but meaningful details—like delayed luggage, returning your pet safely, and covering unexpected travel hiccups that could disrupt your plans. Trusted by long-haul travelers and business executives, this plan is all about comfort, flexibility, and high-level support every step of the way.
A common and trusted official website where you can compare and purchase travel insurance plans for the United States is: https://www.insuremytrip.com/
3. FAQs
Q1. Do I really need travel insurance when visiting the U.S.?
Yes. Healthcare in the U.S. is expensive, and even minor treatments can cost hundreds or thousands of dollars. Travel insurance protects you from unexpected medical bills, trip cancellations, and other emergencies.
Q2. What does U.S. travel insurance typically cover?
Emergency medical treatment
Hospital stays and doctor visits
Emergency medical evacuation
Trip cancellation or interruption
Lost, stolen, or delayed baggage
Accidental death & dismemberment (AD&D)
COVID-19-related expenses (if specified)
Q3. Can I get coverage for pre-existing conditions?
Yes, but only some plans cover the acute onset of pre-existing conditions. Always check plan details carefully—plans like Trawick Safe Travels USA Comprehensive or Atlas America offer this.
Q4. How do I file a claim?
You usually file a claim online or through the insurance company’s app. Keep all receipts, medical records, and travel documents to support your claim.
Q5. Can I get reimbursed quickly?
Yes. Some plans (like Faye Travel Insurance) offer fast payouts via digital wallets. Others may take a few weeks after documentation is submitted.
Q6. Do I have to pay medical expenses upfront?
Some insurers offer direct billing with certain U.S. hospitals. If not, you’ll pay first and then be reimbursed.
Q7. What’s the best plan for older travelers?
Trawick Safe Travels USA Comprehensive and IMG Patriot America Plus are popular for seniors due to high age limits and pre-existing condition coverage.
Q8. What’s the best travel insurance for students or long-term visitors?
IMG’s Patriot America Plus and Atlas America are good options as they offer long coverage durations and flexible pricing.
Q9. Can I cancel my insurance and get a refund?
Most plans offer a “free look period” (usually 10–15 days) during which you can cancel for a full refund, provided you haven’t started your trip or filed a claim.
Q10. I’m a non-U.S. citizen visiting the U.S.—can I still get travel insurance?
Absolutely. In fact, many plans are specifically designed for international visitors, such as those from VisitorsCoverage.com.
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