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Which is the Best Visitor Insurance for USA?


A simple Google search on which is the best visitor insurance can leave you puzzled. There are way too many options and it’s nearly impossible to find out which insurance company to trust.

There is one best visitor insurance that fits all. You need to find what fits you the best.

I’ve been in this situation plenty of times. The first time, I went with the most popular insurance plan and later realized that it was a big mistake. Another time, I trusted my travel agent and realized he was only selling me the plan that earned him commissions. Never again!

With a good travel history to the USA, and some mistakes made, I can now say with confidence that I know how to choose the right visitor insurance. Let me share my findings with you.

No one plan fits all

I’m sure you knew that already. But still, it’s surprising how many people are still looking for that one best, popular plan.

Tip: Don't Forget Travel Insurance
It is highly recommended that you cover uncertainties during your trip, like trip cancellation, baggage loss & medical emergencies by getting good travel insurance.
Compare top insurance plans here.

The reality is that most people don’t know how to read through the jargon in visitor insurance talk. Either that or they’re just lazy.

Can’t blame them. Even the best visitor insurance plans have people complaining.

What do visitor insurance cover?

Visitors insurance usually covers the following risks.

  • Trip cancellations.
  • Trip interruptions.
  • Emergency accidents.
  • Sickness & medical expenses.
  • Dental expenses.
  • Medical evacuations.
  • Security evacuations.
  • Repatriation of remains.

However, not all visitor insurance plans cover all of the above. There are plans that cover trip cancellations but don’t offer medical evacuations. There are plans that cover dental expenses but not trip interruptions.

What visitor insurance don’t cover

Not many people are aware that, most visitor insurance plans don’t cover everything they are expected to. There are usually riders and exceptions that are mentioned in the fine print that nobody really bothers to check. Until something unfortunate happens and you need to claim.

Visitor insurance don’t cover the following

  • Pre-existing conditions.
  • All medical expenses.
  • All trip cancellations.
  • Natural disasters.
  • Terrorist attacks.

Therefore, it is important that one reads the fine print carefully before selecting an insurance plan.

How to choose the right visitor insurance

The right visitor insurance is the one that fits your needs, covers your trip and insures you against all kinds of risks.

In order to choose the right visitor insurance, ask yourself these questions.

  • How long is your trip?
  • What activities are included in your trip?
  • Do you have a medical condition?
  • What is your age?
  • Do you have co-passengers?
  • Which countries will you be visiting?
  • How much money do you need to cover?
  • How much money can you pay?
  • Will you need to extend your dates?

Based on these questions, a good visitor insurance can be chosen.

For example, a longer duration plan might cost more than a shorter duration plan.

Visitor insurance that covers medical expenses might be expensive than that which offers limited coverage.

A good idea would be to compare two or more plans before choosing one. You can use an online price comparison website like Insubuy.

Comprehensive and Limited Coverage Visitor Insurance

There are two types of visitor insurance. Comprehensive and limited.

Limited visitor insurance plans are essentially very basic plans that offer basic coverage. They are restricted to benefits like baggage loss, trip cancellation etc.

Comprehensive visitor insurance plans are better suited for longer duration visits. They cover medical expenses and offer other sophisticated features.

Which are the best visitor insurance plans for USA?

Here’s the list of the best visitor insurance plans for US visitors.

Where can I buy visitors insurance online?

I would recommend two websites, wherefrom you can buy visitor insurance online. Insubuy and Visitorscoverage.

All the best!


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Having lived in 3+ countries, worked for companies small and big in USA, Middle East & India, I have a lot of stories to share about international travel and immigration. Add me on WhatsApp if you have any queries (+001-408-489-4785).

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