visa travel health insurance

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The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Best Medical Insurance for Visitors to the U.S. (2024)

U.S. visitors can get travel medical insurance for as low as $89 per trip.

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Seven Corners, WorldTrips, IMG and Trawick offer the best health insurance plans for visitors to the U.S.

In this guide, we’ll provide you with details on travel health insurance plans from these providers, including example quotes, information on how to use your visitor health insurance and more.

Do Visitors Need U.S. Health Insurance?

While health insurance is not always mandatory when traveling to the U.S., regulations may vary depending on the circumstances around your visit and your visa needs. In addition, health plans from different countries are generally not accepted in the U.S., which means you could pay thousands of dollars out-of-pocket for treatment in an emergency without a valid plan.

Note that many foreign visitors traveling to the U.S. do not need a visa to enter the country for less than 90 days. However, some visa requirements for long-term visitors require health insurance coverage for the duration of their stay. Regardless of the requirements for your travels, it’s worth considering a travel medical insurance plan based on the high cost of U.S. healthcare. According to GoodRx, an emergency room visit can cost upwards of $2,400 to $2,600 without insurance in the U.S.

Health Insurance Requirements for People Visiting the U.S.

While tourists do not technically need a travel medical insurance plan to obtain a visa, other types of visitors do. For instance, if you’re a student planning to study abroad in a U.S.-based college or university using an F-1 or J-1 visa, you’ll likely need some sort of health insurance or a comparable equivalent. Many universities that accept students on visas require medical coverage that complies with the school’s outlined health insurance requirements.

Note that health insurance requirements for visitors to the U.S. largely depend on the type of visa you need to enter the country. Regardless of whether it’s required, we recommend medical insurance based on the high costs of U.S. healthcare services.

Best Travel Health Insurance for Visitors to the U.S.

Our team has spent extensive time researching the best travel medical insurance plans for visitors to the U.S., considering factors such as availability, coverage, customer support and provider reputation.

• Seven Corners Travel Medical Basic: Our pick for group travelers
• WorldTrips Atlas America : Our pick for high coverage limits
• IMG Patriot Lite : Our pick for budget coverage
• IMG Patriot America Plus : Our pick for continuous coverage
• Trawick Safe Travels USA Comprehensive : Our pick for wellness coverage

Seven Corners

Why We Picked It

Seven Corners’ Travel Medical Basic plan is our pick for group travelers. This plan is specifically designed for groups of up to 10 non-U.S. residents and non-U.S. citizens aged 14 days or older, making it ideal for families traveling together . However, it is also available for solo travelers. You can extend coverage for up to a year, with protection both in the U.S. and worldwide.

Pros and Cons

Medical coverage details.

The Travel Medical Basic plan offers extensive coverage with benefit maximums of up to $1 million and various deductible options, making it easy to customize a plan to suit your needs. Medical coverage offered through this plan includes the following:

• General medical
• Emergency dental
• Emergency services and assistance
• Accidental death and dismemberment (AD&D)
• Optional adventure activity coverage

Learn more :  Seven Corners Travel Insurance Review

WorldTrips’ Atlas America plan is our pick for high coverage limits. This plan is designed for U.S. tourists, temporary workers, business visitors and international students studying abroad , providing accessible health coverage to a variety of travelers. It provides overall coverage maximums of up to $2 million, with up to $1 million for emergency medical evacuation coverage.

The Atlas America plan offers up to $2 million in overall coverage and seven different deductible options, providing sound medical coverage along with supplemental travel benefits. Medical coverages include services that fall under the following categories:

• Emergency dental and vision

Learn more: WorldTrips Travel Insurance Review

We chose IMG’s Patriot Lite plan as our pick for budget coverage — the company quoted us less for this plan than its competitors on our list. You can buy this plan as an individual or group, making it ideal for family members traveling to the U.S. together. Like other insurance companies in this review, IMG is partnered with UnitedHealthcare, meaning policyholders have access to a domestic network of over 1.4 million physicians for medical care.

Policyholders can choose coverage with a maximum of up to $1 million with the Patriot Lite plan, with deductibles ranging from $0 to $2,500. Coverages with the Patriot Lite plan include the following:

Learn more : IMG Travel Insurance Review

IMG’s Patriot America Plus plan also made our list for providing short-term insurance for business and leisurely travelers. We named it our pick for continuous coverage, as it provides up to 24 months of renewable, consecutive coverage. Other benefits include access to multilingual customer service representatives and a maximum limit of up to $1 million. Unlike IMG’s Patriot Lite plan, Patriot America Plus covers COVID-19 treatments.

As with IMG’s Patriot Lite plan, coverage with a maximum of up to $1 million is available, with your choice of deductible from $0 to $2,500. Coverages with the Patriot America Plus plan include the following:

Trawick International

We named Trawick’s Safe Travels USA Comprehensive plan our pick for wellness coverage, as it affords policyholders a general wellness visit with a U.S. doctor during their travels for up to $125. As is standard across most plans in our review, Trawick’s Safe Travels plan offers up to $1 million in medical expense coverage. It also offers up to $2 million in emergency medical evacuation coverage and eight deductible options up to $5,000.</p

The Safe Travels USA Comprehensive plan covers up to $1 million in medical benefits after you pay your deductible. Benefits provided with each plan include:

• Optional sports activity coverage (excludes extreme sports)

Read more : Trawick International Travel Insurance Review

Compare Travel Medical Insurance Plans for U.S. Tourists

See the table below for a direct comparison of costs, deductibles and more between travel medical insurance plans for U.S. visitors.

We based plan costs on quotes we obtained for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan includes a medical maximum of $500,000 with a $250 deductible. Note that your actual cost will depend on factors such as your age, number of travelers, chosen deductible and more.

Types of Health Insurance for U.S. Visitors

Travelers have options when it comes to health insurance for U.S. visitors. For one, you could choose an international travel medical insurance plan, which provides coverage for emergency medical expenses or evacuation abroad. A U.S. short-term health insurance plan is also an option. Some health insurance companies, such as UnitedHealthcare, work with providers to allow policyholders to use the company’s preferred provider organization (PPO) network.

If you’re wondering whether your domestic health insurance policy will cover you in the U.S., we encourage you to contact your insurance provider for more details. You may need to purchase valid coverage specifically for your U.S. trip if you’re concerned about or foresee needing medical care abroad.

Fixed Medical Insurance

Fixed medical insurance or fixed indemnity insurance pays a predetermined amount of money for specific medical procedures and services. This type of medical insurance plan is limited — no matter what your total bill amounts to, it will not cover more than the agreed-upon amount. Fixed medical insurance plans are usually cheaper than comprehensive policies, which we cover in the next section.

Comprehensive Medical Insurance

Comprehensive medical insurance covers doctor’s visits, hospital care, prescription drugs and more without setting limits on certain services. Note that these plans typically have coverage maximums, deductibles and copays, so you will have to pay a certain amount before your policy covers any medical expenses. 

Comprehensive coverage does not have benefit limits based on the type of medical service like fixed medical does, but it will cost you more overall. However, because health care in the U.S. is expensive, you may find comprehensive plans more beneficial in the long run despite being pricier than a fixed plan.

Short-Term vs. Long-Term Health Insurance

Short-term and long-term health insurance plans provide coverage that lasts for a specific period. You can consider travel medical insurance plans short-term policies for U.S. visitors, as they can cover medical expenses incurred during a period lasting less than a year. 

If you plan on staying in the U.S. for longer than a year, you may be eligible to purchase a health insurance plan through a domestic provider, depending on your visa. For example, if you have a J-1 or F-1 visa, you may be eligible for a university-sponsored or private health insurance plan. We encourage you to check with the U.S. Department of State when you receive your visa for more on what long-term health insurance options are available to you.

What Does Travel Insurance in the U.S. Cover?

Travel insurance in the U.S. provides a variety of coverages for unexpected events that can affect your travel plans both before and during your trip. Specifics will vary depending on your choice of policy but will likely include some or all of the following coverages:

Created with Sketch Beta. Trip cancellation: If you must cancel your trip for a covered reason, travel insurance can help you recover non-refundable costs such as hotel reservations, airline tickets and more.

Created with Sketch Beta. Trip interruption: If you need to cut your vacation short for a covered reason, travel insurance plans can compensate you for expenses you didn’t use during your trip.

Created with Sketch Beta. Trip and baggage delays: A travel insurance policy can help cover costs you incur if your trip or baggage gets delayed for a covered reason. Most coverage also includes lost or stolen baggage.

Created with Sketch Beta. Emergency medical: Emergency medical coverage can reimburse the cost of necessary treatments if you experience a medical emergency abroad up to a maximum amount.

Created with Sketch Beta. Emergency evacuation and transport: If you need transportation to a medical facility in the U.S. during a medical emergency, this coverage will provide an expense limit for the services. This benefit can also cover emergency evacuations if a natural disaster or political conflict occurs and affects your travels.

How Much Does Travel Health Insurance for U.S. Visitors Cost?

Our research found that the cost of travel insurance for U.S. visitors can range from $96 to $115 . This range is based on quotes gathered for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan we obtained a quote for included a medical maximum of $500,000 with a $250 deductible.

For cost data specific to your travel needs, we encourage you to gather quotes from the providers in this review. The quotes you receive will depend on factors such as your age, plan limits, chosen deductible, number of travelers and more.

How To Use Visitor Health Insurance

If you’ve purchased a visitor medical insurance plan for your stay in the U.S., it’s important you understand how to use it. Healthcare facilities in the U.S., such as doctor’s offices, urgent care locations and emergency rooms, often require you to bring an insurance card with you. This card includes essential information associated with your policy that helps the facility file a claim with your insurance provider. If you have one through your visitor health insurance plan, it is best to have it on hand when receiving medical treatment.

Your health insurance plan may require pre-approval before you receive treatment in non-emergent cases. Your insurance company may request to verify a procedure or medicine is necessary before agreeing to cover it. Be sure to check your policy to find out what the restrictions are.

Many visitor health insurance plans also cover prescription medications. If you’ve been prescribed medicine through a U.S. doctor during a medical visit, a pharmacy may choose to verify your prescription before filling it. This means the pharmacy will contact your healthcare provider with any questions about the prescription being correct. Verification could delay when you receive your medication, but it likely won’t take longer than three to 10 business days.

Finding Doctors and Hospitals as a Visitor

Most insurers provide online tools that help you find in-network healthcare providers and facilities covered by your insurance policy. Note that you may pay more if you choose to receive care through a doctor or facility that is not considered in-network. Out-of-network providers do not contract with your health insurance plan to provide agreed-upon rates. Unless you have a plan that lets you pick any provider you’d like, you will need to find a provider or facility working with your insurance.

If you want to verify the benefits offered by your insurance plan, contact your insurance provider directly or consult any documentation provided at the time of purchase. Healthcare providers may also take steps to verify your coverage, as it ensures the facility receives payment and lessens the chance of a denied insurance claim. 

The cost of medical treatment depends entirely on the type of insurance plan you have. If you’ve purchased a travel medical insurance plan, your provider will cover emergency medical expenses up to a maximum amount. Once you’ve hit that limit, you will have to pay the rest of your bill. If you have a plan with a deductible or co-pay, you must pay that amount before your insurer will cover your expenses.

Paying Medical Bills Without Insurance

If you opt out of medical coverage when visiting the U.S. and end up needing medical care, you will have to cover the entire bill out of pocket. However, you have several options regarding payment. You can contact the debt collector in charge of your bill and work to negotiate the cost of your bill down . You can also set up a payment plan that works with your income and what you can afford. 

While these payment options can be helpful, they do not negate the high U.S. healthcare costs, and can still leave you with a substantial bill after a medical crisis.

According to a study by the Peterson-KFF Health System Tracker , health expenditures per person in the U.S. in 2022 were over $4,000 more than any other high-income nation. For this reason, we recommend some form of medical coverage to help cover potential emergency expenses when visiting the U.S.

Filing a Claim with Visitor Health Insurance

Filing a claim through a visitor insurance plan or travel medical insurance policy will vary based on your provider. Note that providing proper documentation will help the claims process go smoothly, so it is important to keep track of hospital invoices and other billing forms.

If you have a domestic health insurance policy, the healthcare facility that provided your treatment will file your claim. You’ll receive a bill once your insurance provider processes the claim. On the other hand, travel medical insurance may require you to submit documents proving your claims for emergency medical treatment. Once your claim has been approved, your travel insurance company will reimburse your medical bills.

Where Can You Buy Visitors Insurance?

You can buy visitors’ insurance directly from travel insurance companies, international health insurance companies, university-approved providers and domestic providers, depending on the type of visa required during your stay. If you’re on a tourist visa, you can purchase travel medical insurance covering emergency medical services and transport, if needed, to a healthcare facility. Most travel insurance providers also offer travel healthcare plans that can last up to a year if you are planning multiple trips.

If you’re on a J-1 or F-1 visa and enrolling in a schooling program, contact your university to see if you’re eligible for a sponsored or private health insurance plan. If you need clarification on the available coverage or plan to stay in the U.S. for longer than a year, contact the U.S. Department of State for more information.

Do U.S. Visitors Need Health Care Coverage?

Healthcare in the U.S. is expensive. While medical insurance isn’t required for some visitors — such as tourists on a B-2 visa — it’s still worth considering if you’re concerned about an unexpected medical emergency abroad. We encourage you to extensively research your visa type and the coverage available to you before settling on a plan. Understanding the benefits and exclusions of a healthcare coverage plan will ensure there are no surprises if you need medical care during your U.S. trip.

Frequently Asked Questions About Visitor Health Insurance

How much is visitor health insurance in the u.s..

Visitor health insurance costs in the U.S. depend on factors unique to your travel needs. After gathering quotes from the providers in our review, we found that visitor health insurance can range from $89 to $115 . This range is based on a 30-year-old Australian citizen traveling to the U.S. for 30 days, opting for a plan with a medical maximum of $500,000 and a $250 deductible. Your actual costs will vary.

How much does travel insurance cost for trips to the U.S

Our research team found the average cost of travel insurance ranges from $35 to $400, with the average being $221 for a standard policy. Your costs will vary depending on your chosen plan, provider, length of travels, number of travelers and more.

Can foreign visitors get insurance while in the U.S.?

Yes, foreigners can get insurance while in the U.S. Various insurance options are available to travelers depending on their length of stay and visa type. It’s best to research what’s available to you based on your visa requirements before purchasing a plan.

Is it hard to get travel insurance for U.S.-based trips?

No, it’s not hard to get travel insurance for travel to the U.S. Providers such as Seven Corners, WorldTrips, IMG, Trawick and more provide plans for non-U.S. citizens seeking trip and medical coverage while abroad.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Guides

• Best covid travel insurance companies
• Best cruise insurance plans
• Best travel insurance companies
• Cheapest travel insurance
• Best group travel insurance companies
• Best senior travel insurance
• Best travel insurance for families
• Best student travel insurance plans
• Travel insurance for parents visiting USA
• Best travel medical insurance plans
• How much does travel insurance cost?

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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Visa Traveler

Exploring the world one country at a time

Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

One of the key requirements of Schengen visa is the travel medical insurance. The travel insurance for Schengen visa must meet certain coverage and must be valid throughout the Schengen region for the entire duration of your stay.

With a myriad of travel insurance options in the market, picking out the right policy for your Schengen visa is difficult. In this article, you will everything about Schengen visa travel insurance and how to choose a policy for your visa.

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What is Schengen Travel Medical Insurance?

Schengen travel insurance is a type of insurance policy for travelers visiting the Schengen area. This type of travel insurance plan is designed specifically to comply with Schengen visa criteria of minimum coverage and validity requirements. Schengen travel insurance is also a mandatory requirement for obtaining a Schengen visa.

Who Requires Schengen Travel Health Insurance?

Visitors from visa-required countries planning to visit any Schengen country must require Schengen travel insurance.

If you are a traveler from a country that requires a visa to enter the Schengen zone, you must have a valid travel insurance policy. You must buy travel insurance not only for your Schengen visa application but also for any or all trips that you take to the Schengen area.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, obtaining travel insurance is mandatory for Schengen visa . The European Commission’s 810/2009 Regulation mandates submitting valid travel medical insurance for Schengen visa applications.

Proof of travel medical insurance is not only mandatory for the first trip, but also for all subsequent trips for multiple-entry Schengen visas.

At the time of application, you would only need to provide proof of insurance for the first entry.

What are the Schengen Visa Insurance Requirements?

As per the Article 15 of REGULATION (EC) No 810/2009 , your Schengen visa travel insurance must meet the following three criteria:

• Must cover medical expenses up to a minimum of €30,000
• Must be valid for the entire duration of your stay
• Must be valid in all 27 Schengen countries

The policy must cover all medical expenses arising from emergency medical attention, treatment, hospitalization, emergency medical evacuation, repatriation due to medical reasons and death.

Let’s look at each of those requirements in detail.

1. Minimum Coverage

Your Schengen visa travel insurance must meet the minimum coverage requirement of €30,000. When purchasing Schengen visa travel insurance in USD, make sure the policy covers at least $50,000.

This minimum coverage is applicable for any medical expenses, emergency evacuation, and repatriation of remains.

This coverage is necessary to financially protect you in case of accidents, unforeseen illnesses, or other emergency situations that may arise during your travels in the Schengen area.

2. Validity Duration

Your travel insurance for the Schengen visa must remain valid for the entire duration of your stay in the Schengen area.

This travel insurance policy should cover you from the day you arrive in the Schengen area until the day you leave.

In terms of a multiple-entry visa, the Schengen visa insurance must be valid for the entire duration of your first entry only.

Here is an example:

You are applying for a multiple-entry visa and your trip is from Jan 01 to Jan 14. Your Schengen visa insurance must be valid from Jan 01 to Jan 14.

If you take another trip on the same visa, say from May 01 to May 14, then you must purchase another Schengen travel insurance at the time of your second trip.

For your visa application, you would only need to provide insurance for Jan 01 to Jan 14.

3. Validity in the Schengen Zone

Lastly, your Schengen visa travel insurance must be valid in all 27 Schengen countries. This is to make sure that you have coverage regardless of which Schengen country you visit during your trip.

Most Schengen travel insurance aggregators such as VisitorsCoverage provide insurances that are valid in the entire Schengen zone.

In fact, any insurance valid globally is acceptable for the Schengen visa. Provided, the the insurance covers at least €30,000 in all medical costs and emergencies.

What Does Schengen Visa Insurance Plan Cover?

In general, any Schengen visa insurance plan covers medical expenses, COVID-19 protection, and trip coverage.

These coverage options are designed not only to provide comprehensive protection but also to meet the Schengen visa insurance requirements.

1. Medical Coverage

Medical coverage is the most important aspect of Schengen travel insurance. It provides coverage for emergency medical expenses, accidents, and unexpected illnesses.

The coverage also includes hospitalization, emergency hospital treatment, doctor visits, prescription drugs, and other necessary medical treatments that are considered emergency and necessary.

The policy must cover at least €30,000 for the visa. But depending on your needs and activities in the Schengen area, you can opt for policies with higher coverage.

2. COVID-19 Protection

COVID protection is not mandatory for Schengen visa. But most Schengen visa travel insurance policies offer coverage for medical treatment and quarantine expenses related to COVID. COVID tests and quarantine must be prescribed by a doctor to be eligible for the coverage.

That being said, you must review the policy details to make sure that COVID protection is included. Even though it’s not mandatory, it can provide peace of mind during your trip.

3. Trip Coverage

Trip coverage is also not mandatory for Schengen visa. But most travel insurance plans provide protection against flight cancellations, delays, and lost luggage during your travels. Trip coverage will help lessen any expenses arising from trip interruptions and baggage delays.

Review the policy details to make sure comprehensive trip coverage is included. This way, you can ensure that your trip goes smoothly, even when faced with unexpected setbacks.

What Does Schengen Visa Insurance Plan Not Cover?

Though Schengen travel insurance plans provide coverage for a wide range of scenarios, there will usually be some exclusions. One common exclusion is the coverage for pre-existing medical conditions.

It’s crucial to understand the limitations and exclusions of your Schengen visa insurance policy. Let’s look into the exclusion of pre-existing medical conditions in detail.

Pre-existing Medical Conditions

Pre-existing medical conditions are generally not covered by Schengen visa insurance plans. If you have a medical condition that was present prior to the purchase of your Schengen insurance policy, any medical expenses related to that condition during the trip will not be covered.

Review the terms and conditions of your travel insurance policy to determine if any exclusions apply to pre-existing medical conditions.

Is COVID-19 Coverage Mandatory for Schengen Visa Travel Insurance?

No, COVID-19 coverage is not mandatory for Schengen visa travel insurance. But most Schengen travel insurance companies include COVID coverage in their policy.

Even though it’s not required, having COVID protection in your travel insurance can provide financial security during your Schengen trip.

It is always better to be prepared and have coverage than face challenges during the trip.

How Much Does Schengen Visa Medical Insurance Cost?

The cost of Schengen visa medical insurance varies depending on several factors, such as age, duration of your trip, total coverage amount, and the insurance company.

Schengen travel insurance from IMG Global, through VisitorsCoverage for up to 39 years of age will cost about a dollar a day. For a one-week trip, it would be about $7 USD. The cost goes up with age.

IMG Global is a US-based insurance company offering Schengen visa insurance. If you opt for a Europe-based insurance company such as Europ Assistance, the prices are even higher. A one-week insurance policy can cost about €18.

To find the most affordable insurance policy for the Schengen visa, compare different insurance providers and policies using an insurance aggregator such as VisitorsCoverage .

How to Choose the Right Travel Insurance for Schengen Visa?

With a myriad of options available in the market, choosing travel insurance for your Schengen visa can be a daunting task. To make this process easier, consider factors such as the reputation of the insurance company, coverage limits, and customer reviews.

Let’s look at each of these factors in detail.

1. Reputation of the Company

When selecting a travel insurance provider, it’s important to evaluate their reputation in the market. A reputable insurance company will have a track record of providing reliable and quality coverage, as well as excellent customer service.

You can assess the reputation of an insurance company by looking at its reviews and ratings on sites such as Trustpilot. VisitorsCoverage , for example, has a 4.7 rating on Trustpilot.

If you choose an insurance company with a strong reputation, you will have confidence in the coverage and support they provide throughout your trip.

2. Coverage Limits and Exclusions

Another important aspect to consider is the coverage limit. The policy must be Schengen visa compliant, meaning the policy must meet the minimum coverage requirement of €30,000.

Additionally, it’s important to review if there are any exclusions such as pre-existing medical conditions or other limitations.

By reviewing the coverage limits and exclusions, you can pick out a policy that is Schengen visa compliant and provide enough protection during your trip.

3. Customer Reviews and Ratings

Reviews and ratings can be invaluable resources when evaluating any product or service in the market. Travel insurance is no different. The reviews and ratings provide insight into the insurance provider’s customer service, claims process, and embassy acceptability.

By considering the experiences of other travelers you can assess the quality and reliability of the travel insurance.

4. Schengen Insurance Certificate

Lastly, the insurance company must be able to issue a Schengen insurance certificate, also called a visa letter. Submitting a visa letter along with the policy is a mandatory requirement for the Schengen visa.

This certificate confirms that your insurance policy meets the Schengen visa criteria. The certificate should include:

• Your name (as the policyholder)
• Policy number
• Total coverage amount, which should be no less than €30,000 (or $50,000)
• Dates of validity (must cover the entire duration of your stay in the Schengen area)
• Contact details for the insurance company, in case of emergencies

Where to Purchase Travel Insurance for Schengen Visa?

Travel insurance for Schengen visas can be purchased from online insurance providers, local insurance companies and travel agencies.

Local insurance companies and travel agencies can offer personalized advice. With online platforms, you can compare prices and coverage options from multiple insurers.

Regardless of where you purchase your insurance, it’s important to make sure the insurance policy meets Schengen visa insurance requirements and provides the necessary coverage for your trip.

My recommendation is to buy Schengen visa insurance from VisitorsCoverage. Their Europe Travel Plus policy is specifically designed for the Schengen visa, meeting the minimum coverage requirements and downloadable visa letter. Here is a comparison for a 33-year-old, 7 days trip to the Schengen area.

How to Purchase Travel Insurance for Schengen Visa

To purchase your travel insurance for Schengen visa, go to the VisitorsCoverage’s Europe Travel Plus plan. Enter the following details.

• Destination Country
• Citizenship
• Residence/Home country
• Coverage Start Date
• Coverage End Date
• Arrival Date
• Date of Birth
• Email Address

Click on Continue. In the deductible and policy maximum, select $0 for the deductible and $50K for the policy maximum. Then click on Continue.

In the next steps, enter your details as per your passport. Complete the payment and purchase the policy. Once your purchase is complete, you can download your visa letter.

How To Find Cheap Schengen Travel Insurance?

Finding cheap Schengen travel insurance requires research and comparison of policies and companies. I have done this already for you. VisitorsCoverage was the cheapest in my research. If you are older than 50, then you might want to check other insurance companies to see if you can find a cheaper option.

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

No. US citizens do not require Schengen insurance when traveling to the Schengen area. This is because Schengen insurance is mandatory for those that require a visa for the Schengen area. And, US citizens do not require a visa for the Schengen area.

Is Schengen travel insurance refundable?

Yes. Most Schengen visa insurance companies offer reimbursement or free cancellation in the event of visa refusal. That being said, review the terms and conditions of the insurance policy before purchasing to make sure the policy is cancellable in case of visa refusal.

Can I purchase travel insurance after obtaining a Schengen visa?

No. You must purchase travel insurance before obtaining the visa. This is because travel insurance is one of the mandatory requirements for obtaining the Schengen visa. Without purchasing travel insurance, you won’t even be able to apply for the Schengen visa.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing medical conditions are usually not covered by Schengen visa insurance plans. This means that any medical expenses arising due to pre-existing conditions will not be covered during your trip. Before purchasing, review the terms and conditions of the policy to determine the exclusions.

Can I extend my travel insurance coverage if my stay in the Schengen area is prolonged?

It may be possible to extend travel insurance coverage if your stay in the Schengen area is prolonged. But it depends on the insurance company and the policy type. Review the terms and conditions and also contact the insurance provider to inquire about extensions.

Obtaining the right travel insurance is a crucial step in your Schengen visa application process. The travel insurance for Schengen visa must provide at least €30,000 coverage and must be valid throughout the Schengen region for the entire duration of your trip.

While purchasing your Schengen visa insurance, consider factors such as the provider’s reputation, coverage limits and customer reviews. Compare different travel insurance providers and policies to pick out the right insurance for your Schengen visa.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

Get a verifiable flight itinerary for your visa application from DummyTicket247 . DummyTicket247 is a flight search engine to search and book flight itineraries for visas instantly. These flight itineraries are guaranteed to be valid for 2 weeks and work for all visa applications.

02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page  for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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• Visa Insurance

USA Medical Insurance

Best travel medical insurance for usa, compare and buy us travel insurance, usa healthcare for tourists, 01.  how can i buy usa travel insurance online.

American Visitor Insurance offers a wide range of travel medical insurance plans for visitors to the USA designed by the top US travel insurance providers. Customers can compare different travel insurance plans offered by US insurance company on American Visitor Insurance. After comparing different plans, you can choose the one that best meets your needs and budget and buy the policy online by filling out an application and paying for the travel insurance USA using a credit card.

02.  Do tourist get free healthcare in USA?

No, international tourists do not get free healthcare in the USA. The United States does not have a universal healthcare system, and US healthcare services are very expensive, especially for the uninsured. If you are a tourist visiting the US, it is very important to have the best travel medical insurance for any unexpected medical expenses that may arise during your trip. US travel medical insurance covers emergency medical expenses, including hospitalization, doctor visits, emergency medical evacuation, and repatriation.

Tourists can compare and review the best US travel insurance options using the American Visitor Insurance comparison tool as well as review the policy brochures to understand the coverage limits and exclusions.

03.  Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

Visitor visa health insurance USA

Visitor visa health insurance covers medical expenses and emergency services for travelers visiting the United States on a B-1 or B-2 visa. These B visas are for nonimmigrants who allowed to enter the US for business or tourism purposes. Visitor visa health insurance USA is not mandatory, but it is highly recommended, as the US has high healthcare costs and does not have a universal healthcare system. Simply having US visitor visa medical insurance will significantly lower the hospital bills. The US insurance company preferred provider organisation (PPO) network healthcare billing is usually significantly lower than regular hospital bills without PPO network in the United States

Some of the benefits of visitor visa health insurance USA are:

• It can cover covid19 related expenses, such as testing, treatment, hospitalization, and quarantine, up to the policy limit.
• It can cover other medical expenses, such as doctor visits, prescriptions, surgery, ambulance, and repatriation, in case of illness or injury during the trip.
• It can cover emergency services, such as evacuation, accidental death and dismemberment, and travel assistance, in case of a life-threatening situation or a travel disruption. Lower hospital bills since US insurance preferred provider organisation (PPO) network healthcare billing is significantly lower than regular hospital bills without PPO network in the United States.

Best medical insurance for tourist in USA

An overview of international travel insurance for tourists, definations.

Reliability : A.M Rating evaluates the financial stability and reliability of the insurance company.

Benefit Period : The greater the benefit period the better the coverage.

Deductible : Deductible is what the customer pays before the insurer pays anything.

Coinsurance : Coinsurance is the what the customer should pay for any given expense after paying the deductible. The Co-insurance is typically a percentage of the bill (20%, 25 % etc…)

• Per period of coverage - Amount of benefit applies to claims throughout policy period
• Per injury - Benefit amount applies to individual sickness or injury.
• Including USA - These plan provide coverage in USA
• Excluding USA - Coverage extends outside the USA
• Including USA, Canada and Mexico - Coverage is in USA, Canada and Mexico
• Longer duration for Expatriates - Plans purchased for longer duration are little expensive
• Shorter duration for vacationers (travel health insurance and trip cancellation plans) - Plans purchased for shorter duration are cheaper

Travel health insurance for visitors to USA

Tourist health insurance usa.

• B1 and B2 visas are most common tourist visas. Those who are visiting the USA for exchange visitor program should apply for the J1 visa. There are other US visas like H1B, L1, K visa... for professionals, H4, J2, F2 for spouses of visa holders. The F1 visa is issued to international students coming to the US.
• Along with the Visa, visitors must also be aware of the health care system in the USA. Staying in America as an uninsured visitor is risky since medical emergencies and hospitalization can leave the victim with huge medical bills.
• While outside your home country it is always advisable to be careful. To avoid financially disastrous situations, travelers need health insurance for foreign nationals in USA coverage. Many US insurers have designed tourist medical insurance plans specifically as health insurance foreigners can use within the United States.
• Visitors to the US can buy medical insurance for tourist visa in USA while still in their home country. A quick and convenient compare tool allows tourists evaluate different travel medical insurance USA plans based on price and benefits offered and then make an informed choice.
• Given the Covid pandemic many tourist medical insurance USA has included coverage for Coronavirus. Tourists should consider buying medical insurance for travel to USA with Covid coverage. Another factor to be aware of is the need for pre-existing conditions coverage within the tourist medical insurance USA plan. While many health insurance for travelers to USA plans exclude pre-existing condition ailments, some plans for tourist in USA provide coverage for acute onset of pre-existing conditions and a few provide more comprehensive plans for foreign nationals coverage for pre-existing ailments.

Visitors Visa Insurance, B2 Visa Medical Insurance

Health insurance usa for foreigners.

Applicants for an US tourist visa must pay the fees in US Dollars. The fees paid by the applicant is an interview fee to a US consulate and is charged for the interview with the Consular Officer who will determine if the applicant is qualified to receive a visa to travel to America.

In case if the applicant is rejected the fee amount will not be refunded. Amongst the items included in the qualification decision

These are the few steps that an applicant should undergo to seek tourist visa or B2 Visa. Health Care for visitors to US is very expensive and it is important to have proper health insurance for tourist visa in usa for the US irrespective of the length of stay. Once the visitor visa is issued, travelers can buy medical insurance for tourist visa in USA .

Visitor visa, Tourist B1 B2 Visas

Student visas and health insurance usa for foreigners.

In order to visit the USA, one should get a visa issued from the US consulate. Foreigners who intend to study, stay and work in the USA for an extended period should apply for the appropriate visa which enables them to work and stay longer. Among the commonly issued visas are B1 B2 visa for tourists, F1 visa for international students and J1 visa for exchange scholars.

Those visiting the USA for a temporary period be it for business, education, tourism... need a non-immigrant visa. Those visiting the US on a vacation or to meet family need the visitor's visa and best medical insurance for tourist visa in USA People who want to be permanent residents in the United States without any time limitation should apply for different immigrant visas.

Since healthcare is extremely expensive in the US, and there is no public healthcare available for visitors, it is very important to buy the appropriate health insurance for foreign visitors. Tourists should buy appropriate health insurance for b1 b2 visa holders as medical insurance for tourists in USA.

New immigrant insurance for US visa

The Donald Trump administration had announced that the US government will insist on proof of adequate US immigrant health insurance without which visas to enter the US will be denied. The concern is that all new immigrants who enter the US without proper US immigrant insurance add to the burden of US taxpayers for the cost of their healthcare.

Prospective new US immigrants would be asked for proof of immigrant health insurance coverage. The Visas can be denied if the consular office is not satisfied by the provided proof of health insurance in the US.

Visitors visa applicants must show that they qualify under provisions of the Immigration and Nationality Act of America. According to the presumption in the law every visitor visa applicant is an intending immigrant. Therefore, applicants for visitor visas must overcome this presumption by demonstrating that:

• They are visiting the US for business, tourism or medical care.
• Applicant will stay in the US for a specific period or limited period.
• They have a residence outside the USA and binding ties which will ensure their return at the end of the visit.

Extending the US visitor visa while inside the United States

The Covid has pandemic has disrupted travel plans around the globe and many travelers are stranded within the US for lack of travel options as well as for health reasons. Travelers who are forced to extend their stay in the US have to extend or renew their visa status. The following is the procedure to extend the US short term visa:

• The visitor should complete the I-539 form for extension of a Non-Immigrant Visa
• The visitor should submit a letter stating the reason with detailed explanation for extension.
• The visitor should submit a copy of form I-94 that that he/she received on entry into the US
• The visitor should provide documentary evidence that the extended stay is temporary along with the booked return tickets
• The visitor should provide proof that the stay is fully taken care and he/she is financially covered and will not be a public charge in the US.
• The visitor should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.

Pay the required renewal fees

Visa extension processing, what does usa visa insurance cover, health care expenses.

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Medical evacuation, repat of remains.

Repatriation of remains to home country included.

Testimonials - From Our Customers

"I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure."

"I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is."

"Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides."

US Travel health insurance for non residents in USA

American visitor insurance is a travel health insurance comparison website where international travelers can compare the most popular US travel medical insurance plans and buy it online. Travel insurance while relevant all along, has become more important in the current Covid pandemic situation. Given the increased stress on healthcare systems in several countries, many nations are insisting on adequate travel insurance before allowing international travelers enter their countries.

This information can guide international travellers to USA in better understanding US travel insurance requirements and the financial support it offers.

1.  Common US Healthcare Terms of travel insurance

Deductible is the amount that insured travelers need to pay for coverage before the travel insurance actually starts to pay for the healthcare services along with the co-pay or coinsurance. Travelers will need to pay the medical fees up to the amount of deductible and along with coinsurance and co-pay. For example if the deductible amount is $1,500 then travelers need to pay up to $1,500, it is only after this amount is paid that the insurance plan stays paying. The Deductible is introduced to prevent frivolous claims.

Coinsurance is similar to co-pay in domestic US health insurance. Here the insured needs to pay a percentage of the total cost of the medical fee instead of paying a fixed amount. If you have 10% of coinsurance that the insured will have to pay 10% of the total cost of the bill .Co-insurance is paid on top of the Deductible. Typical Co-insurance ranges from 10% to 20%. The higher the co-insurance, the lower will be the cost of travel insurance.

Travelers can review the insurance glossary for travel to the USA to understand other terms and also check our travel insurance guide for easy understanding.

Riders – Riders are additional benefits that a traveler can purchase within the insurance policy. These are benefits that are usually not covered under the standard insurance policy. Depending on the need of the traveler, customers can add rider benefits at additional cost while buying the policy.

Copay or copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed.

Network and Out of Network - In US most hospitals have PPO networks. In the PPO network there are selected doctors and hospitals that have a working agreement with the insurance providers who charge the insurance provider directly and work out cheaper for the travelers. If the insurance provider is in the network they will provide a list of in network facilities so that the insured finds it easy to use the provider who can offer services.

Out of network insurance is literally when the customer goes to a healthcare facility outside of the covered network provider. In this situation, the insured will have to pay for the treatment themselves and then file a claim, this process might be confusing and sometimes out of network doctors and hospitals are more expensive and may even not be covered.

2.  Travel insurance with acute onset of Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours. Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc.

3.  Affordable US insurance for travelers above 70 years

4.  state limitations on travel insurance, 5.  pre-approvals for medical treatment and hospital visits.

In a case where the insured is using an out-network provider the insured will need to notify the insurance provider to get pre approval or pay and then apply for a reimbursement. In situations like an admission at the hospital for overnight stay, Major Surgery, Prescription of expensive drugs, Medical appointment to a behavioural, physical, speech or occupational therapist for treatment all of this would typically require pre-approvals from the insurance provider.

6.  Renewability and Deductible in an extended /renewed Travel insurance

7.  multi-trip travel insurance, 8.  important benefits of us travel insurance coverage to look out for while buying travel insurance.

• Acute onset of Pre-existing conditions, look back period
• Dental care for dental emergencies
• Skin care and dermatological problems
• Vision care except for treating eye injuries
• Preventative or routine health care coverage
• Injuries and illness due to terrorism or war
• Childbirth, pregnancy, and maternity
• Injury from high-risk sports
• Mental health care
• Injuries related to drugs and alcohol

Along with comparing different travel insurance options (commonly known as US visitors insurance), travellers can find out details about the different factors to consider while buying travel medical insurance as well as see responses to typical questions that customers have. Some of the important foreigners health insurance for travelers factors to consider in US travel insurance include fixed benefits vs comprehensive benefits , coverage for pre-existing ailments , coverage for Covid19 and Quarantine , medical maximum coverage, co-insurance , deductible and renewability.

American Visitor insurance has a friendly health insurance for travelers comparison tool where customers can compare prices and benefits of the several health insurance for non residents in USA options available.

What does the visitor health insurance for foreign nationals not cover?

• Preventive care like routine health checks, physical examinations, inoculation, vaccination.
• Regular treatment for pre-existing conditions.
• Maternity coverage if conception occurs before purchase of visitor visa health insurance.

Cost of best US travel insurance for pre-existing conditions

What is the best travel insurance for usa, patriot america plus insurance acute onset of pre-existing condition coverage.

$50,000 - $1,000,000

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• Patriot America Plus Covid insurance offers coverage for coronavirus illness.
• Available for US citizens visiting USA

Patriot America Plus brochure links

View Patriot America Plus insurance brochures in different languages:

Visitors Protect Insurance Full Pre-existing condition coverage

$50,000 - $2,50,000

• Availble for visitors traveling from their home country to the U.S., Canada, and Mexico.
• The plan offers temporary medical coverage with pre-existing conditions up to 99 years.
• Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues.
• Minimum purchase is 90 days.

Safe Travels USA Comprehensive Insurance Acute onset of Pre-existing condition coverage

• Covers Acute onset of Pre-existing condition coverage: Covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
• Up to $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
• It offers coverage for visitors up to 89 years.
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date

Safe Travels USA Insurance Unexpected recurrence of a Pre-existing coverage

• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• Safe travel USA Covid insurance offers coverage for coronavirus.

Safe Travels USA - Cost Saver Insurance Unexpected recurrence of a Pre-existing coverage

• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• Eligible for foreign residents visiting USA and worldwide

Safe Travels Elite Insurance Acute onset of Pre-existing condition coverage

$50,000 - $175,000

• Foreign residents visiting USA and worldwide.
• Plan can be renewed up to 2 years.
• The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
• Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.

Atlas America Insurance Acute onset of Pre-existing condition coverage

$50,000 - $2,000,000

Atlas Travel Insurance Brochure Links

Visitorsecure insurance acute onset of pre-existing condition coverage.

$50,000 - $130,000

• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.

Travel Medical Choice Insurance Acute onset of Pre-existing condition coverage

• Travel Medical Choice available for Non US residents and citizens traveling to the US.
• For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
• For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available .
• Including USA
• Excluding USA

Travel Medical Basic Insurance Acute onset of Pre-existing condition coverage

• Travel Medical Basic available for Non US residents and citizens traveling to the US.
• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $1,000,000. For people above age 80 years, they get a policy maximum of $10,000
• Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.

Diplomat America Insurance Pre-existing exclusion

• This plan is for Non Us citizens and Non US residents visiting the US.
• Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage

Visit USA Insurance Acute onset of Pre-existing condition coverage

$50,000 - $250,000

• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
• Visit USA offers 3 plans to satify your requirements and budget.
• Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)

INF Elite Insurance Full Pre-existing condition coverage

$150,000 - $1,000,000

• There is a minimum purchase of 90 days required to buy this plan.
• This plan is available for Non-US Citizens.
• Anyone visiting USA or Canada can enroll in this plan.
• Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.

INF Elite Plan Travel Insurance Brochure Links

• Description document age 0-69
• Description document age 70-99

INF Premier Plus Insurance Full Pre-existing condition coverage

$150,000 - $300,000

• Covers Preventive & maintenance care and coverage for full body physicals. Coverage for TDAP, Flu, etc Vaccines
• Pre-Existing complications from Covid-19 covered.

INF Elite 90 Insurance Full Pre-existing condition coverage

• Covers 90% of eligible medical expenses

INF Elite 90 Plan Travel Insurance Brochure Links

Inf premier insurance full pre-existing condition coverage.

• This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
• Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

INF Premier insurance brochures

• Covers preventive & maintenance care
• Coverage for TDAP, Flu, etc Vaccines
• Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.

INF Premier Plus Insurance brochures

Full pre-existing condition coverage.

Full Pre-existing condition coverage is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc.

Unexpected recurrence of a Pre-existing coverage

Unexpected recurrence of a Pre-existing coverage Condition means a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs

• Occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care.
• Occurs a minimum of 48 hours after the Effective Date of the Policy.

Pre-existing exclusion

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Acute onset of Pre-existing condition coverage

The "Acute onset of Pre-existing condition coverage" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of Physician recommendations or symptoms and requires immediate care.

Factors to buy best travel medical insurance USA

Age of the traveler.

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of USA medical insurance for visitors is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Health insurance for USA visitors depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Different types of US Visitors travel insurance

There are broadly two types of visitors health insurance USA that a traveler can choose based on their travel requirements.

Fixed benefit travel insurance coverage

A fixed benefit insurance plan is a basic plan with lower benefits and lower premiums. These covers offer basic standard medical coverage and stay in case unforeseen medical or travel events occur while traveling away from home country. There are few plans that cover acute onset of pre-existing conditions up to a certain limit.

Comprehensive travel insurance coverage

Comprehensive travel insurance offers exhaustive coverage but are more expensive when compared to the fixed benefit plans. Most of the comprehensive plans offer coverage for acute onset of pre-existing conditions. The insured can visit doctors within their PPO network to get cashless services. There are many US insurance providers who offer good comprehensive visitors health insurance USA plans like Patriot America Plus , Safe Travels USA Comprehensive , Atlas America and Travel Medical Plus .

How can the insured use US visitor health insurance?

Hospitals and urgent care.

The Insured can produce their visitor medical insurance card at the urgent care in an event of falling sick or injured while in the US. If the insured requires medical assistance then he can visit a hospital where cashless medical services can be availed.

Prescriptions

The insured can buy prescribed medicines for a medical ailment that occurs during travel and file a claim for reimbursement along with the proof of the receipt.

Travelers to the US or anywhere outside their home country should have adequate visitor insurance coverage for a safe journey. American visitor insurance works hard to offer travelers some of the best visitor health insurance USA options. Buying visitors insurance is easy at American Visitor Insurance and travelers can compare several plans both for prices and benefits according to their requirements.

The 24/7 customer support service by licensed agents will provide answers to all questions by the customers with instant policy documents by Email . Feel free to give a call or email and one of our customer support licensed agents will be able to help further.

Steps to buy US Visa medical insurance online

  1: finding the available medical insurance for travel to usa plans.

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

  2: Compare the different medical insurance to travel to usa options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

  3: Buy the travel USA health insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

  4: Review the health insurance for travel to US plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

USA travel insurance coverage highlights

What does travel medical insurance cover what is travel insurance usa.

Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.

Medical coverage for accidents and emergency medical ailments

The travel insurance medical maximum coverage available is up to $1M. This however decreases for travelers over 70 years.

Doctors visit

This allows travelers to visit Doctors for sudden unanticipated medical ailments. The Co-pay and deductible depends on the plan with the option of No Co-pay and $0 deductible.

Doctor prescribed eligible pharmacy drugs are covered up to $50K, but this varies from plan to plan.

Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50K, but this varies from plan to plan.

Medical Evacuation

The best travel insurance provides coverage for medical evacuation up to $1M if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.

Repatriation of remains

The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler with coverage up to $50K available.

Emergency dental coverage

Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth. Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.

Contact our customer service team, we are here to help you!

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions.

Here are some travel insurance tips for travelers with pre-existing conditions

• Choose a travel medical insurance with pre-existing conditions coverage.
• Read the policy carefully to understand what is covered and what is not.
• Be aware of look back period for coverage of pre-existing conditions.
• Consider buying an US travel health insurance plan with higher medical coverage.
• Keep a copy of your medical records and list of medications when you travel.
• Take your Doctor's prescription and medications during your trip.
• Learn how to access healthcare at your destination.
• Contact your US traveler insurance provider immediately in case of a medical emergency.
• Disclose all pre-existing conditions when purchasing visitor health insurance.
• Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America , Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

• The definition of pre-existing conditions and the look back period under the policy.
• The eligibility age limit for pre-existing conditions coverage.
• Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
• The coverage limit for pre-existing conditions which is different from the policy medical maximum.
• The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01.  how do i know if my pre-existing condition is covered by travel insurance.

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90 ) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02.  What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06.  Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans.

07.  Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08.  What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

1.  The INF Elite Insurance plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.

2.   Safe Travels USA Comprehensive Insurance offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25K). For persons above 70 Acute Onset benefits is reduced to a maximum of $35K (cardiac-related treatment up to $15K).

3.   Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.

4.   Patriot America plus Insurance is comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This health insurance for Non US citizens is available for travel to the US and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.

5.   Visitors Protect Insurance is comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.

6.   Safe Travels USA Insurance is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Visitor visa medical insurance for US visitors

Health insurance for b2 visa holders.

"Tourists visiting the US on a visitors visa should be aware of the expensive healthcare costs in the United States. Visitors on the B2 visitors visa are not eligible for domestic US health insurance and should buy good medical insurance for visitors to USA which are specially designed for international tourists visiting the United States. There are several different US visitor medical insurance plans available and US visitors should be familiar with the different factors to consider buying US travel health insurance.

Tourists on the visitors visa should know about fixed benefits versus comprehensive visitor insurance plans . International visitors to the US should also be aware of insurance concepts like the deductibles and co-insurance as well as acute onset of Pre-existing conditions visitor medical insurance . An informed traveler on a visitors visa will make an informed decision while buying tourist medical insurance in USA.

There are several different US visitor medical insurance plans available and US visitors should be familiar with the different factors to consider buying US travel health insurance. Tourists on the visitors visa should know about fixed benefits versus comprehensive visitor insurance plans . International visitors to the US should also be aware of insurance concepts like the deductibles and co-insurance as well as acute onset of Pre-existing conditions visitor medical insurance . An informed traveler on a visitors visa will make an informed decision while buying tourist medical insurance in USA.

International travelers visiting the US during the Flu season are encouraged to get the Flu vaccine. Flu is highly contagious and getting the vaccine can be preventative measure. The flu vaccine also known as influenza vaccine protects people against the influenza virus. These vaccines are developed twice a year as the virus changes rapidly.

These vaccines have antibodies to fight the virus which will usually show up within 2 weeks after receiving it. This vaccine is effective sometimes and sometimes it may not be effective for some strains of viruses. It is not mandatory but it is definitely recommended as a preventive measure. US visa medical insurance may not offer coverage for the vaccination expenses but it would offer coverage for sudden sickness.

As the US health care cost for visitors is very expensive, even a slight treatment of Flu resulting in hospitalization can be very expensive. Buying US travel insurance for flu can help you from a financial crisis. The flu shot itself will not be covered by the travel insurance, as this will be considered preventive care, however treatment due to flu will be covered. Compare US visitor insurance from top insurance providers and buy the best US tourist health insurance.

USA healthcare for tourists - FAQ's

01.   can a tourist get health insurance in usa, can i get health insurance with a tourist visa.

Yes, tourists can and should buy health insurance for visitor visa USA. Given the high cost of healthcare in the US, it is very risky to travel to the US without the best health insurance for foreigners. International tourists can compare different health insurance usa for foreigners online and then buy the best medical insurance for foreign visitors to usa for their needs.

02.   What counts as a pre-existing medical condition for travel insurance?

Any pre-existing medical condition is something that the traveler has before or when he/she buys the travel insurance plan. The pre-existing condition can be an illness or any injury. Some other examples of pre-existing conditions are cancer, diabetes or asthma/respiratory issues.

03.   What is the purpose of US travel health insurance?

There are two main purposes of US travel medical insurance . One is to insure the value of your invested cost in your trip in case something comes up which means you are not able to go on your trip. This type of insurance is called trip cancellation insurance or trip insurance. Typically, you insure your trip for a certain amount (the non-reimbursable portion of your deposit) and the higher the amount, the higher the cost of the insurance. Some of these policies have a set limit on their amount (but they are consequently more economical). Some credit card companies offer insurance on what you purchase with your card (so airline tickets and hotel reservations, perhaps) and no more. Most of these policies also cover you in case you are sick while you are on your trip or have to interrupt your trip for some reason (death in family back home, problem with home or business, etc). If you want health coverage while on your trip, be sure that the policy includes this (my own credit card coverage does NOT include this coverage). There are also international health insurance for USA policies that cover you for sudden illness or accident while you are on your trip. If you cancel your trip, you can simply cancel them for a refund on your premium, but they will cover any medical expenses (after a deductible) while you are on your trip and also have some minor travel benefits, such as baggage loss and trip interruption as well.

04.   What is the best medical insurance for visitors to USA? What is the best travel insurance for USA? What is the best visitor insurance USA?

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

05.   How to buy travel insurance for USA? How to find the best USA travel health insurance?

There are many plans with coverage for both in the USA as well as around the world offered by US insurance providers. Given the several plans options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the deductible, any USA travel health insurance plans with coverage for pre-existing ailments, international coverage for Covid19. The global travel insurance comparison also allows travelers to buy the best plans based on ones needs by completing an online application and paying using a credit card. Once completing the purchase, the plan is emailed to the customer.

06.   Is the visitor visa sponsor responsible for hospital bills of the visitor ?

As a sponsor for anyone on a student’s visa, a visitor’s visa or for permanent residency status (Green card) you are completing the I-134 Form. The I-134 form is an Affidavit of Support indicating to the U.S. government that the visa applicant will be financially supported by the sponsor in the United States. This is to remove the risk of the visa applicant from becoming a public charge (financial liability) to the US government.

The sponsor is therefore considered responsible for any living and healthcare expenses of the visa applicant while in the United States. In the event that the visa holder needs healthcare services, the healthcare provider can hold the sponsor who provided the I-134 form, ie 'Affidavit of Support' responsible for any medical bills that are not paid by the sponsored visa holder. Given this risk and the high US healthcare costs, it is important that the sponsor ensures that the visa applicant has good medical insurance coverage as long as the I-134 Affidavit of support is valid. At American visitor insurance, we have US travel health insurance and student medical insurance options which are applicable for these visa applicants.

07.   How long is I-134 Affidavit of Support valid?

An Affidavit of Support is enforceable until the visa applicant either becomes a US citizen, or is credited with 40 quarters of work (which is typically 10 years).

08.   What does US travel insurance cover?

A standard US travel insurance plan offers protection for all unexpected travel and medical illness or injury during the trip. It provides coverage for acute onset of pre-existing conditions, medical emergencies, trip interruption, delays and medical evacuation.

US Travel insurance plans for coverage can be purchased online at American Visitor Insurance to get a medical and travel insurance cover in the United States. Travel health insurance in USA provides coverage for unexpected medical emergencies during the travel period. Travel insurance is particularly important during the Covid19 pandemic for safe travel to the US. American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. For more details travelers can call the customer service or email and the team will be glad to help.

09.   Can I still get travel insurance for the USA after starting my trip?

Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy.

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

Best travel insurance for USA

Compare and buy the best visitor health insurance plans. The best visitors insurance for USA plans that we display are specially designed to match the needs of international travelers.

Best health insurance for visitors to USA

Patriot america plus insurance.

• Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
• Plan is suitable for Green Card holders as long as they reside outside the US.

Atlas America insurance

• This plan is available for Non-US citizens traveling outside their home country
• Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).

Safe Travel USA Comprehensive insurance

• Covers acute onset of pre-existing conditions up to policy maximum.
• This plan is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
• This plan is available for green card holders.

INF Elite insurance

• This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
• Best comprehensive plan that covers all pre-existing conditions up to 99 years.
• There is a minimum purchase of 90 days required to buy this plan

INF Safe Traveler USA 90 insurance

• INF Safe Traveler USA 90 covers 90% of elgibile medical expenses

INF Elite Plus insurance

• Covers Preventive & maintenance care and coverage for full body physicals.
• Comprehensive plan with full pre existing condition coverage up to 99 years which is unique.

Visitors Protect insurance

• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.

Diplomat America insurance

• This plan have 24 months waiting period for pre-existing conditions.

Travel Medical Choice insurance

• Covers treatment of acute onset of pre-existing conditions (up to 79 years)
• For the acute onset of pre-existing condition coverage, there is a waiting period of 7 days anf for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available.

INF Elite 90 insurance

• Covers 90% of eligible medical expenses.

INF Safe Traveler USA insurance

• INF Safe Traveler USA covers 80% of elgibile medical expenses

Visitors Care insurance

• Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.

Visitor Secure insurance

Safe travels elite insurance.

• It offers coverage for acute onset of pre-existing conditions up to 89 years.
• Available for Non US citizens coming to the US and worldwide.

INF Premier Plus insurance

• This plan covers Full pre-existing conditions up to 69 years.

Travel Medical USA insurance

• Offers coverage for acute onset of pre-existing conditions up to 79 years.
• Renewable up to 364 days

INF Standard insurance

• This plan is available for for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
• Minimum Enrolment should be 30 days.

INF Premier insurance

• Acute Onset treated like New Sickness
• This plan covers Full pre-existing conditions up to 99 years.

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

F1 visa student health insurance, International student insurance in USA.

J1 visa insurance for exchange scholars, J1 visa medical insurance.

Health insurance for green card holders, Green card health insurance.

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

H1B visa health insurance, Travel health insurance for H1B visa holders.

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Visitor insurance for USA resources International travel insurance resources for travel emergency while outside your home country.

Factors for tourist visa Health Insurance USA Factors to consider while deciding on the best Visitors insurance for USA.

Types of Tourist Visa Health Insurance USA Tourist Visa Insurance options, fixed benefits vs comprehensive coverage.

Tourist health insurance USA claims procedure Helping travelers with the insurance claims process for getting medical care in a hospital.

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There are many cheap international insurance plans also known as visitor insurance plans.

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

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Select the usa visitor medical insurance plans that you want to compare, fixed benefits plans.

• Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
• Cheapest options in the market definitely more affordable
• Fixed benefits plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Comprehensive Plans

• Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
• These plans do not have benefit limits based on the type of medical expense.
• Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Review international travel medical insurance plans

Us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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Visitor Visa Health Insurance

• U.S. Visitor Medical Insurance
• U.S. Visitor Visa Health Insurance

As a USA visitor, you may need a visa in order to gain entry to the United States. Whether or not you’ll need a visa is  determined by your country of citizenship . The type of visa you’ll need is dependent on the purpose of your travel.

In addition to a valid passport, application, and application fee, some visas require proof of visitor health insurance for approval (the J-1 visa is one such visa). However, even if your visa does not require proof of insurance, it’s important to consider health coverage for your travels to and within the USA.

Read on to learn more about visitor visas requirements and exceptions – and to discover your visitor visa health insurance options.

Types of USA Visitor Visas

• B-2 Visa for Tourists and Leisure Visitors:  A  tourism and visit visa , also known as a B-2 visa, is a visitor visa for nonimmigrants wishing to enter the U.S. for tourism or leisure purposes.
• F-1 Visa for Student Visitors:  The  F-1 visa is for international students attending a university, college, high school, private elementary school, seminary, conservatory, or a language training program in the U.S.
• J-1 Visa for Work-and-Study-Based Exchange Program Visitors:  A  J-1 visa  allows approved J-1 visa holders to enroll in a work-and-study-based exchange program in order to teach, study, conduct research, or receive on-site job training in the USA.
• B-1 Visa for Temporary Business Visitors:  B-1 visa holders may consult with colleagues, negotiate a contract, attend a conference or educational seminar, or take part in a short-term training program in the United States.
• H-2A Visa for Temporary or Seasonal Agricultural Workers:  H-2A visa workers may enter the U.S. for agricultural work, such as crop harvesting, on a seasonal or short-term basis.
• H-2B Visa for Temporary Non-Agricultural Worker:  H-2B visa holders are permitted to work temporarily in the U.S. in fields such as hospitality, retail, service, construction, and maintenance.
• L-1 Visa for Intracompany Transferee Executive or Manager:  The L-1 visa allows executives or managers from foreign offices to transfer to an affiliated office in the United States.

How To Get a Visitor Visa for the USA

Before you apply for your visa, it’s important to understand that the application steps may vary slightly by U.S. Embassy or Consulate. To see specific instructions for the U.S. Embassy or Consulate nearest to you, visit  USEmbassy.gov  and find the country in which you will apply.

For a general overview of the tourist visa application process, note the following steps:

❑ Obtain a passport that is valid 6 months after your planned departure from the U.S. ❑ Take a color photo which meets the  photograph requirements found here . ❑ Fill out and submit the online nonimmigrant visa application,  Form DS-160  (the form will require you to upload your photo). ❑ Print the Form DS-160 confirmation page to bring with you to your visa interview. ❑ Schedule an appointment for your visa interview with a U.S. consular officer in the country in which you reside. To find the nearest embassy or consulate and its contact information, search for your country of residence at  USEmbassy.gov . ❑ Check the typical wait time for your embassy or consulate at  travel.state.gov . ❑ Pay the non-refundable visa application fee (if the fee is required before your interview). ❑ Gather the required documents. ❑ Practice for your visa interview. For visa interview tips and practice questions, see  Visa Interview Tips . ❑ Attend your visa interview. ❑ Upon visa approval, pay your additional visa issuance fee (if applicable). To determine whether you’ll owe an issuance fee, select your nationality under “Prepare for Your Interview” at the travel.state.gov  Visitor Visa page .

Required Documents for USA Visitor Visa

Prior to your visitor visa interview, ensure you have the following:

• Passport that is valid for 6 months after your planned departure from the United States
• Nonimmigrant visa application Form DS-160 confirmation page
• Application fee payment receipt (if payment is required prior to interview)

Supporting Documents for USA Visitor Visa

Note that the U.S. Embassy or Consulate may request additional documentation which serves as evidence of the following:

• The purpose of your trip  – Evidence could include your itinerary, travel plans, or proof of family ties in the United States.
• Your intentions to leave the U.S. when your visa expires  – You can  show this incentive by providing evidence  of real estate that you own back home, family members you’ll want to return to (birth certificates and marriage certificates may apply here), or proof that a job is waiting for you upon your return.
• Your financial means which allow you to travel to the U.S.  – Evidence could include bank statements, credit cards, or pay slips. A  visitor visa health insurance policy  could help demonstrate your ability to pay for medical expenses by showing that you have coverage for unexpected injury or illness.

Are There Any Visitor Visa Exceptions?

Yes – the U.S. Department of State notes that citizens of Canada and Bermuda do not typically need a visa for tourism and visits.

You can also bypass the visa process if you qualify for the Visa Waiver Program (VWP). This program allows non-U.S. citizens who meet specific requirements to travel to the U.S. for approved business or tourism purposes – without first obtaining a visa.

The Visa Waiver program is only available to individuals of an approved VWP country who are traveling for 90 days or less and have authorization under the Electronic System for Travel Authorization (ESTA).

Visitor Visa Health Insurance for USA Travel

Visitor visa health insurance is travel medical insurance for individuals and groups visiting the USA from abroad. Visitor health insurance is not a requirement of all United States visas, but it is  recommended for travelers  whose domestic health plans offer little or no international coverage. After all, you never know when you may encounter a travel mishap, injury, or illness that results in unexpected expenses.

DID YOU KNOW? According to  healthcare.gov , the average cost of a 3-day hospital stay is around $30,000. In the face of a medical emergency, visitor visa health insurance can provide quality care and financial assistance for eligible illnesses and injuries.

What Does Visitor Visa Health Insurance Cover?

A visitor visa health plan like WorldTrips' Atlas America insurance  can provide coverage for eligible illness and injury, emergency medical evacuation, trip interruption, accidental death, and more. Here are a few simple scenarios that illustrate how a visitor health plan can assist you in an emergency:

• You come down with an unexpected illness or incur an injury that requires admittance to a hospital.  A visitor health plan like Atlas America can provide you with access to first-rate hospitals, quality doctors and specialists, and coverage for the necessary emergency transportation. You will be covered for the cost of a local ambulance, the intensive care unit, and hospital room and board for covered injuries or illnesses that result in hospitalization.
• After you’ve arrived in the U.S., you receive the devastating news that a member of your immediate family has passed away.  Under Atlas America’s Trip Interruption benefit, you will be covered for the cost of one economy, one-way air or ground transportation ticket to the terminal serving the area where you live.
• You’re at the airport ready for you initial departure – and storms cause your afternoon flight to be delayed until the following morning.  Under Atlas America’s Travel Delay benefit, you will be reimbursed up to $100 a day for reasonable accommodations and meals if your covered, 12-plus-hour delay requires an unplanned overnight stay.
• You discover that your U.S. rental has been broken into and your luggage has been stolen. You have no idea how to go about acquiring a new passport and the language barrier is making it difficult for you to file a police report. With Atlas America, you’ll have access to a full line of travel assistance services via  On Call International . On Call’s dedicated team can provide you with translation services, legal assistance, and help replacing stolen travel documents. These services are available in multiple languages 365 days a year.

To learn more about these benefits and exclusions, see the  Atlas Travel Description of Coverage .

Who Might Benefit from Visitor Visa Health Insurance?

• USA tourists and leisure travelers
• Parents visiting their children in the U.S.
• Temporary workers and business visitors
• International students and exchange program participants  

What Are My Visitor Visa Health Insurance Options?

Atlas America insurance  from WorldTrips offers several policies to international visitors:

Atlas Travel

Flexible and generally affordable, this balanced plan offers high coverage limits for single international trips.

Atlas Premium

This elite plan offers exceptional-quality coverage by providing even higher coverage limits for a number of important benefits.

Atlas Group

This plan provides the same great coverage as Atlas Travel – at a 10% discount for groups or families of 5 or more!

Atlas America policies are available to individuals of most countries who are at least 14 days old and looking for coverage for up to one year. To be eligible for Atlas America insurance, part or all of your international travel plans must include the United States.

Atlas America Highlights

• 100% coverage for eligible medical expenses inside the Preferred Provider Network (after the deductible and up to the overall maximum limit)
• Choice of deductible and overall maximum coverage limit
• No health screenings required for immediate online fulfillment
• Wide provider network  that covers the majority of the United States
• Travel assistance services  available in multiple languages 365 days a year

"Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best."

“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.” 

Why WorldTrips

Who is insuring you is just as important as the insurance plan you choose. For the past 25 years, WorldTrips has provided travel insurance and compassionate service to help our customers travel fearlessly. Our knowledgeable customer representatives are available 24/7 to respond to your travel emergencies, no matter the situation, time zone, or spoken language.

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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.

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What our Customers say?

This is before the sale of insurance and any claims; I left a message on saturday morning. I got a callback from Navin who helped me with understand some of the options etc.and also called me to enquire if i got the policy.

- Arun J, San Jose, CA

VisitorPlans offers excellent customer service. I bought visitors insurance for my parents from them. The process was smooth and they answered all of my questions to my satisfaction.. I highly recommend them to anyone looking to buy visitor insurance.

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11 Best Travel Insurance Companies in July 2024

Sean Cudahy is a freelance reporter specializing in coverage of airlines, travel, loyalty programs and public policy. A journalist of nine years, Sean most recently served as a general assignment reporter at The Points Guy, following an eight-year run as a local television news reporter. He lives with his wife and their French Bulldog outside Raleigh, North Carolina.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

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The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Visa travel insurance: everything you need to know

When planning a trip, it's important to consider every aspect, including travel insurance. Did you know that most bank cards offer travel insurance? However, it's essential to understand that there are conditions and ceilings to be respected that are quite different from France. In this article, we'll explain everything you need to know about travel insurance for your Visa Premier, Visa Infinite and Visa Classic cards, as well as Visa Schengen insurance.

How to differentiate between assistance coverage and travel insurance?

Travel insurance plays a crucial role in protecting travelers. To make the right decision, it's essential to understand the benefits and distinctions between travel assistance and travel insurance.

What is travel assistance?

Travel assistance refers to emergency services that can help you in the event of a problem during your trip. These services include medical assistance, legal assistance and any other form of logistical help required.

What is travel insurance?

On the other hand, travel insurance acts primarily as financial cover for unforeseen and costly things that you have to pay for on the spot or after the fact. This type of travel insurance therefore usually includes coverage for medical expenses, trip cancellation or interruption, lost or stolen luggage, civil liability or even repatriation in case of need.

However, each provider of this type of insurance is different, so it's important to check what is and isn't covered. What's more, even if most of these coverages are included, it's the ceilings that you need to watch out for. For medical expenses, for example, your insurance may cover them in one country, but may be insufficient in another, such as the USA, which is notorious for its exorbitant costs. So don't hesitate to consult your insurance contract or ask your advisor for more information.

What assistance guarantees are included with Visa bank cards?

Visa bank cards offer a range of travel assistance benefits. Travel assistance provided by Visa can include:

• Health assistance: In the event of a health problem such as injury or illness, medical assistance can give you access to medical professionals, medical advice by telephone or other services. Expenses are also covered up to the stated maximum.
• Legal assistance: In the event of legal problems abroad, this type of assistance is useful to provide you with legal advice and help in finding a lawyer in the place where you are staying. Legal fees can also be covered.
• Logistical assistance: Visa Assistance can help you if your travel documents, such as your passport or plane tickets, are lost or stolen. They can also help you find emergency accommodation or organize repatriation if necessary.

It is important to note that these assistance benefits are provided by Visa and may vary depending on the type of card and the specific terms and conditions of your contract. We recommend that you consult the terms and conditions of your Visa card for precise details of assistance coverage and limits.

What travel insurance does Visa offer?

Visa bank cards offer a range of travel insurances to protect you when traveling outside France. Here are some of the most common types of insurance available:

• Medical insurance: This covers health expenses in the event of illness or accident during your trip. It can include hospitalization, medical consultations, medication and emergency dental care.
• Trip cancellation insurance: If you have to cancel your trip for unforeseen reasons covered by the insurance policy, this insurance can reimburse you for cancellation costs such as airline tickets, hotel reservations and non-refundable travel expenses.
• Travel delay insurance: If your flight is delayed and you miss a connection, or if you are forced to change your travel plans due to a long delay, this insurance can reimburse you for the additional costs incurred.
• Baggage loss or theft insurance: In the event of loss, theft or damage to your baggage during your trip, this insurance can reimburse you for the cost of replacing or repairing your personal belongings.
• Third-party liability insurance: This insurance protects you in the event of property damage or bodily injury caused to third parties during your trip. It can cover repair costs, medical expenses and legal fees.

For travel within the Schengen area, there is a specific insurance policy called Schengen Visa insurance. This insurance is designed for travelers to member countries of the Schengen area, where insurance requirements are mandatory. Visa Schengen insurance is specially designed to meet the specific criteria and requirements of this destination. It offers coverage for medical expenses, repatriation assistance, third-party liability and other essential needs when traveling within the Schengen area.

Please note that specific coverage and conditions may vary depending on the type of Visa card you have. We recommend that you consult your card's terms and conditions for precise details of the travel insurance provided.

What are the exclusions of Visa travel insurance?

Visa travel insurance includes certain exclusions that may vary depending on the type of card and the specific conditions of your contract. Here are some common examples of possible exclusions:

• Pre-existing medical conditions: Pre-existing medical conditions may be excluded from coverage, meaning that medical expenses related to these conditions will not be reimbursed.
• Risky activities: Certain activities considered dangerous or extreme, such as extreme sports, combat sports, mountaineering, etc., may be excluded from coverage.
• Travel to high-risk areas: Certain countries or regions considered politically unstable or dangerous may be excluded from coverage.
• Business travel: If you travel for business purposes, some travel insurances may not cover incidents occurring during these trips.
• Alcohol or drug use: Incidents that occur under the influence of alcohol or drugs may be excluded from coverage.

What's more, you'll need to use the Visa card in question to pay for your trip, whether for accommodation or flights.

It is important to carefully read the terms and conditions of your Visa travel insurance contract to determine the specific exclusions that apply to your situation. If you have any doubts or questions, we recommend that you contact your insurance company or Visa card-issuing bank directly for clarification.

How can I make a claim on my Visa travel insurance?

To make a claim or request a refund for your Visa travel insurance, you can follow the steps below:

• Gather the necessary documents: Before submitting your claim, make sure you have all the required documents at hand. This may include your insurance contract, proof of purchase of airline tickets, medical bills, police reports, etc.
• Contact your insurance company: Start by contacting your insurance company or Visa card-issuing bank for specific information on the claims process. They will provide you with the necessary claim forms and instructions on how to complete them correctly.
• Complete the claim form: Fill in the claim form carefully, providing all the required information. Be sure to include all supporting documents requested to substantiate your claim.
• Submit your claim: Once you've completed the claim form and gathered all the necessary documents, submit them to your insurance company according to the instructions provided. Be sure to keep copies of all documents submitted for your personal records.
• Follow the progress of your claim: After submitting your claim, follow its progress regularly by contacting your insurance company. They will be able to provide you with updates on the status of your claim and answer any questions you may have.

It is important to note that claims procedures may vary from one insurance company to another. It is therefore recommended that you consult the specific information provided by your Visa insurance company to ensure that you follow the appropriate steps for your claim.

How can I obtain a Visa travel insurance certificate?

To obtain a Visa travel insurance certificate, please follow the steps below:

• Identify your insurance company: First of all, identify the insurance company that provides travel insurance with your Visa card. This may be your card-issuing bank or a partner insurance company.
• Contact your insurance company: Once you've identified the insurance company, contact them directly to request a travel insurance certificate. You can usually contact them by phone, e-mail or via their website.
• Provide the necessary information: When you contact the insurance company, make sure you have the following information to hand: your name, your Visa card number, the dates of your trip and any other specific information required by the insurance company.
• Ask for a travel insurance certificate: Explain to the insurance company that you need a travel insurance certificate for your personal needs. They will guide you through the procedure for obtaining this attestation.
• Receive the insurance certificate: Once you have provided all the necessary information, the insurance company will send you the travel insurance certificate. This may be in electronic form (by e-mail) or in paper form (by post).

It is important to note that the procedures for obtaining a travel insurance certificate may vary depending on the insurance company and the specific conditions of your contract.

Fairjungle's opinion

Visa travel insurance offers effective cover for your stays abroad, but it's the fact that it's included with your everyday bank card that makes it so practical. However, if you want to be perfectly protected when traveling, we recommend that you take out dedicated insurance policies, which will provide you with more comprehensive cover, with ceilings adapted to the country of destination.

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• Immigration

Health Insurance Requirements for U.S. Visitors: What You Need to Know

When visiting the u.s., it is not mandatory to have health insurance, but it is highly recommended. without insurance, visitors are responsible for covering their medical expenses, which can be very expensive. it is recommended to have travel medical insurance to ensure financial protection and access to quality healthcare during your visit..

Quick Glance:

• Health insurance is highly recommended for visitors to the United States due to high healthcare costs and lack of universal coverage.
• Visitors’ health insurance provides coverage for medical services, hospitalization, prescriptions, and doctor’s visits, offering peace of mind.
• When selecting a visitors’ health insurance plan, consider the duration of stay, coverage needed, and the deductible amount. Comparison shopping is essential. If you’re planning to visit the United States, whether for tourism, business, or to see family, it’s essential to understand the healthcare system and the importance of health insurance. The U.S. is known for having some of the highest healthcare costs in the world, and unlike many other countries, it does not offer universal health coverage to visitors or residents. Therefore, ensuring that you are adequately insured against any unexpected medical expenses during your stay is crucial.

Navigating the U.S. healthcare system can feel daunting, especially for visitors who are unfamiliar with how health insurance works in the U.S. Let’s simplify this and look at what you need to know about health insurance requirements for U.S. visitors.

Is Health Insurance Mandatory for U.S. Visitors?

While the U.S. does not legally mandate health insurance for visitors, it is highly recommended. Without insurance, a simple doctor’s visit can cost hundreds of dollars, while more serious interventions and hospital stays can reach into the tens or even hundreds of thousands of dollars.

The Benefits of Having Health Insurance as a Visitor

With the right health insurance, you can enjoy peace of mind knowing that you’re covered for:

Also of Interest:

Us proposes end to extra security checks for indian travelers, india to launch trusted traveller programme for faster immigration.

• Emergency medical services
• Hospitalization
• Prescriptions
• Doctor’s visits

In some cases, your insurance may also cover you for evacuation back to your home country if medically necessary.

Choosing the Right Visitors’ Health Insurance Plan

There are various plans tailored to the needs of international tourists, students, and temporary workers. When choosing a plan, consider:

• The duration of your stay
• The level of coverage you need
• Whether pre-existing conditions are covered
• The deductible amount and copays

It’s worth noting that most U.S. health insurance plans for visitors typically do not cover pre-existing conditions, so if this is a concern for you, you’ll need to look for a specialized plan that provides this coverage.

Where to Purchase Visitors’ Health Insurance

Health insurance for visitors can be purchased from your home country before you travel or through U.S.-based insurance providers. It’s important to compare different plans to find one that best fits your budget and coverage needs.

Understanding Insurance Terms

When evaluating insurance options, you might come across terms like ‘PPO’ or ‘HMO’. These refer to different types of networks of medical providers with whom the insurance company has negotiated rates. A Preferred Provider Organization (PPO) typically offers more flexibility in choosing doctors and hospitals. In contrast, a Health Maintenance Organization (HMO) usually requires you to select from a specific network of healthcare providers.

Important Considerations

Before purchasing any insurance plan, it’s important to:

• Read the fine print carefully
• Understand the claims process
• Know what is required of you in the event you need to seek medical care

Seeking Assistance

If the task seems overwhelming, don’t hesitate to consult with an insurance broker or a travel agent who specializes in health insurance for international visitors. They can help steer you in the right direction and make recommendations based on your specific situation.

In conclusion, while the U.S. may not require visitors to have health insurance, it’s a protective measure that’s too important to overlook. The last thing you want is to face a health emergency that could lead to financial hardship due to exorbitant medical bills. Investing in a good visitors’ health insurance plan is investing in your safety and well-being while in the United States. For more information, you can visit the U.S. Department of State’s website or look at resources like the Centers for Disease Control and Prevention’s Travelers’ Health page which can provide valuable guidance on staying healthy during your travels. Safe travels and stay insured!

Well, that’s the lowdown on health insurance for visitors in the United States! Remember, it’s not mandatory, but it’s definitely a smart move to stay protected from those hefty medical bills. So, be a savvy traveler and explore your options. You can find more helpful info on visaverge.com. Stay healthy, stay insured, and have a fantastic time in the U.S.!

FAQ’s to know:

FAQ 1: Is health insurance mandatory for visitors to the United States?

Answer: No, health insurance is not legally mandatory for visitors to the United States. However, it is highly recommended to have health insurance as the U.S. does not offer universal health coverage to visitors or residents. Without insurance, medical expenses can be exorbitant, ranging from hundreds to thousands of dollars for simple doctor’s visits or more serious interventions.

FAQ 2: What are the benefits of having health insurance as a visitor to the U.S.?

Answer: Having health insurance as a visitor to the U.S. provides several benefits, including coverage for emergency medical services, hospitalization, prescriptions, and doctor’s visits. Additionally, some insurance plans may cover evacuation back to your home country if medically necessary, giving you peace of mind and protection against unexpected medical expenses.

FAQ 3: How do I choose the right health insurance plan as a visitor to the U.S.?

Answer: When choosing a health insurance plan as a visitor to the U.S., consider factors such as the duration of your stay, the level of coverage you need, whether pre-existing conditions are covered, and the deductible amount and copays. It’s important to note that most U.S. health insurance plans for visitors typically do not cover pre-existing conditions, so if this is a concern, look for a specialized plan that provides this coverage. You can purchase health insurance from your home country before you travel or through U.S.-based insurance providers, comparing different plans to find one that fits your budget and coverage needs.

What did you learn? Answer below to know:

• True or False: Health insurance is mandatory for visitors traveling to the United States.
• What are some common benefits covered by visitors’ health insurance in the U.S.?
• What are some important factors to consider when choosing a visitors’ health insurance plan in the U.S.?

Did you Know?

Did You Know?

While health insurance is not legally mandatory for visitors to the United States, it is highly recommended. Without insurance, medical expenses can be exorbitant, ranging from hundreds to thousands of dollars for simple doctor’s visits or more serious interventions.

Having health insurance as a visitor to the U.S. provides several benefits, including coverage for emergency medical services, hospitalization, prescriptions, and doctor’s visits. Additionally, some insurance plans may cover evacuation back to your home country if medically necessary, giving you peace of mind and protection against unexpected medical expenses.

When choosing a health insurance plan as a visitor to the U.S., consider factors such as the duration of your stay, the level of coverage you need, whether pre-existing conditions are covered, and the deductible amount and copays. It’s important to note that most U.S. health insurance plans for visitors typically do not cover pre-existing conditions, so if this is a concern, look for a specialized plan that provides this coverage. You can purchase health insurance from your home country before you travel or through U.S.-based insurance providers, comparing different plans to find one that fits your budget and coverage needs.

• Did you know that the United States is home to a large number of immigrant communities?

With its history of welcoming immigrants from all over the world, the United States is home to a diverse range of immigrant communities. From Chinatowns to Little Italy neighborhoods, these communities bring their unique cultures, traditions, and cuisines to the country, enriching the overall cultural landscape.

• Did you know that immigration has played a significant role in shaping American history?

Throughout history, immigration has played a crucial role in shaping the United States. From the arrival of European settlers in the 17th and 18th centuries to the waves of immigration in the late 19th and early 20th centuries from countries like Ireland and Italy, immigrants have contributed to the country’s development and cultural diversity. They have also played a vital role in building the nation’s infrastructure, working in industries such as railroads and mines.

• Did you know that immigration has a positive impact on the economy?

Contrary to common misconceptions, immigration brings economic benefits to the receiving country. Immigrants often fill labor gaps, bringing valuable skills and contributing to innovation and entrepreneurship. They also pay taxes, which helps fund public services and benefits for all residents. Furthermore, immigrant-owned businesses create jobs and stimulate economic growth in local communities.

• Did you know that immigration laws and policies have changed significantly over time?

Immigration laws and policies in the United States have undergone significant changes throughout history. From the Chinese Exclusion Act of 1882 to the Immigration and Nationality Act of 1965, these laws reflect evolving priorities and attitudes towards immigration. Understanding the historical context of immigration policies can provide valuable insights into the complex and often controversial issue of immigration.

Learn Today: Key Terms Explained

Glossary or Definitions:

• Health insurance: A type of insurance that provides coverage for medical expenses, including hospitalization, doctor visits, prescriptions, and emergency medical services. It is highly recommended for visitors to the United States due to the high healthcare costs and lack of universal coverage.

Visitors’ health insurance: An insurance plan specifically designed for international visitors to the United States. It provides coverage for medical services, hospitalization, prescriptions, and doctor visits, offering peace of mind and protection against unexpected medical expenses.

Universal health coverage: A healthcare system in which all residents of a country have access to necessary healthcare services, regardless of their income or immigration status . Unlike many other countries, the United States does not offer universal health coverage to visitors or residents.

Duration of stay: The length of time a visitor plans to stay in the United States. It is an important factor to consider when choosing a visitors’ health insurance plan, as different plans may have varying coverage periods.

Coverage needed: The specific types of medical services and expenses that a visitor wants to be covered by their health insurance plan. It may include emergency medical services, hospitalization, prescriptions, and doctor visits.

Deductible: The amount of money that a visitor needs to pay out of pocket before their health insurance plan starts covering their medical expenses. It is an important factor to consider when choosing a visitors’ health insurance plan, as different plans may have different deductible amounts.

Comparison shopping: The process of comparing different visitors’ health insurance plans from different providers to find the most suitable one in terms of coverage, cost, and other factors. It is essential to ensure that the chosen plan meets the visitor’s specific needs and budget.

Pre-existing conditions: Any medical condition that a visitor has before purchasing a health insurance plan. Most U.S. health insurance plans for visitors typically do not cover pre-existing conditions. Visitors with pre-existing conditions may need to look for specialized plans that provide coverage for their specific condition.

Insurance network: A group of medical providers, including doctors, hospitals, and other healthcare facilities, that have agreements with an insurance company to provide discounted rates for covered services. There are different types of insurance networks, such as Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs).

PPO (Preferred Provider Organization): A type of insurance network that offers more flexibility in choosing doctors and hospitals. PPO plans usually allow visitors to see providers both inside and outside the network, although out-of-network care may be more expensive.

HMO (Health Maintenance Organization): A type of insurance network that usually requires visitors to select healthcare providers from a specific network. HMO plans typically require referrals from primary care physicians to see specialists and may have stricter restrictions on out-of-network care.

Claims process: The procedure for submitting and processing claims for reimbursement of medical expenses covered by the health insurance plan. Visitors need to understand the claims process to ensure they follow the necessary steps to receive coverage.

Insurance broker: A professional who specializes in insurance and can help visitors navigate the process of selecting the right health insurance plan. Insurance brokers have knowledge of different plans and can make recommendations based on visitors’ specific needs and priorities.

Travel agent: A professional who assists travelers in planning and booking trips. Some travel agents specialize in health insurance for international visitors and can provide guidance and recommendations on purchasing visitors’ health insurance.

U.S. Department of State: A federal government agency responsible for the country’s foreign policy and diplomacy. It provides information and resources for visitors to the United States, including information about health insurance requirements and recommendations.

Centers for Disease Control and Prevention (CDC): A national public health agency in the United States that works to protect the nation from health threats. The CDC maintains a Travelers’ Health page that provides valuable guidance on staying healthy during travel and may include information about health insurance for international visitors.

Fine print: The details and terms and conditions of an insurance policy that are often written in small print. It is important for visitors to read the fine print carefully to understand the coverage and any limitations or exclusions.

These definitions and explanations will help readers understand the specialized terminology related to health insurance for visitors to the United States.

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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

Travelling from*

*Please select Travelling from country

• South Korea
• Afghanistan
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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

View all FAQ's

1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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How does travel insurance through Capital One cards work?

December 14, 2023 | 6 min read

Ever found yourself scrambling for lost luggage when you’re traveling? Or trying to book alternate flights due to bad weather? These kinds of events can be stressful—and costly. When the unexpected happens, travel insurance through your card could help protect you from travel expenses beyond your control.

Many cardholders have travel insurance as part of their card benefits. Coverage varies by card, issuer and the network that provides the benefits. To prepare for your next trip, you might want to check out whether your card offers travel insurance and what benefits come with it. 

Key takeaways

• Travel insurance through your card could help protect you from paying for unexpected expenses if something goes wrong when you travel.
• Card travel insurance may offer coverage for both domestic and international travel.
• Your coverage depends on your card. Check your card’s benefits guide for details.
• Travel insurance is offered to Capital One cardholders through the Visa® and Mastercard® networks.

Earn 75,000 bonus miles

What is credit card travel insurance.

Card travel insurance can help protect you financially when you incur unexpected expenses during travel. Whether you’re visiting family, flying abroad or driving across the country, card travel insurance can be a kind of safety net.

By booking and paying for a trip with a card that offers travel insurance benefits, you could get compensation up to a set limit for your unexpected expenses. For example, some Capital One rewards credit cards offer benefits like travel accident insurance and lost luggage reimbursement.* 

What types of coverage does card travel insurance provide?

Imagine traveling with peace of mind, knowing that a potential accident or expensive mishap could be reimbursed. With travel insurance through your card, you could be covered in a number of scenarios. 

Every card is different, so be sure to check your card’s terms and conditions to see what types of travel insurance you might receive. Here are a few of the most common types of coverage you may have access to:

Trip cancellation and interruption insurance

Canceling a trip at the last minute or cutting it short can be disappointing. But getting your money back for flights and reservations you didn’t end up using might help relieve your stress. 

If you booked and paid for your trip with a card that offers trip cancellation and interruption insurance, you may qualify for reimbursement in certain situations, like these:

• Severe weather at the beginning of a trip
• Unexpected health issues or accidental injuries 
• Death of someone in your travel party or an immediate family member

You may want to make sure you’re aware of situations that aren’t typically covered by this type of insurance. For example, exclusions can include preexisting medical conditions or when a travel agency, hotel or airline goes out of business. Check the terms of your card to learn more about trip cancellation insurance.

Maximum reimbursement depends on your card and can vary significantly. Some cards might offer up to $2,000 per trip. (For others, it could be less.)

Trip delay insurance

Travel schedules don’t always go as planned. Flights may get delayed or severe weather may affect your travels. Or you may need to pay for a meal or last-minute hotel room while you wait. If you paid for your trip with a card that has trip delay insurance, certain reasonable costs you incur during the delay might be covered.

Cards may vary in how long the delay must be before coverage kicks in. But having travel delay insurance could help take care of your most urgent needs.

Rental car insurance

If you pay for a rental car with your card, you might be able to skip the added cost of buying insurance through the rental company. Credit card rental car insurance could cover collisions, theft and towing if your car breaks down while you’re traveling.

This type of insurance usually goes into effect after your regular auto insurance policy does. Whether you’re renting a car in the U.S. or abroad may affect whether you’ll need additional coverage and how much. Remember, rental car insurance usually only covers the vehicle. You may need to buy liability coverage when traveling internationally if your personal auto policy is limited to the U.S.

Lost or delayed baggage insurance

Imagine that you’re waiting in the baggage claim area after a flight, confident that you packed everything you need for your trip. But your luggage never rolls by on the carousel. 

Lost, delayed or even stolen baggage can interrupt your trip. If you need to buy replacement items, you could be reimbursed.

Travel accident insurance

While travel often goes smoothly, sometimes it doesn’t. Accidents happen. Travel accident insurance could provide an added layer of support. In cases of severe injury or death, you or your family members could receive benefits if you booked and paid for your trip with a card that offers travel accident insurance.

Where will Venture X take you?

How do you file a travel insurance claim.

If you need to file a travel insurance claim, you can start by reading your card’s benefits guide to get the specifics on your travel insurance. That way, you can know which travel events are covered and for how much.

It can be a good idea to save your purchase receipts while you’re traveling. Then you’ll have a paper trail if you want to be reimbursed for things like replacement articles of clothing, a last-minute hotel booking or a trip to the emergency room.

Finally, you can file a claim by contacting the administrator listed in your card’s benefits guide. Check if there’s a time limit on how long you have to file a claim after the travel incident. You may have to answer a few questions, complete a form and submit your receipts to complete the claim. If your claim is accepted, you may be compensated for the covered expenses you paid for with your personal funds. 

Capital One card travel insurance FAQ

Here are a few frequently asked questions about travel insurance in general and travel insurance through a Capital One card  in particular: 

Do cards automatically have travel insurance?

Not necessarily. Some cards, like the Capital One Venture card , offer travel insurance. But some may not. If you’re not sure about your card, check its benefits guide for more information.

Do I have to pay extra for travel insurance?

That may depend on your card. Some cards may include travel insurance at no charge. Others may allow you to purchase additional travel protection benefits for a fee. And some might charge an annual fee that may be balanced out by premium travel benefits and enhanced travel insurance protection. 

Is my family covered under my Capital One card’s travel insurance?

Coverage for family members generally depends on your card issuer and network. For example, if you’re a Mastercard or Visa cardholder, your spouse is typically covered. Depending on their ages, your kids may be covered as well. Capital One cardholders can learn about their travel insurance benefits by reading their benefits guide.

Does travel insurance through my Capital One card cover flight cancellation?

Some Capital One cards may offer flight cancellation insurance as part of their travel insurance coverage. Check your benefits guide to see whether your card provides this type of protection. Your guide will also detail the process of filing a claim if your flight gets canceled unexpectedly. If you want the freedom to cancel your flight for any reason, consider booking your flight through Capital One Travel . 

Capital One card travel insurance in a nutshell

Capital One’s card travel insurance can help protect you when things go wrong while you’re traveling, whether you’re in the U.S. or abroad. If you’re interested in learning whether your card comes with travel insurance, be sure to check its benefits guide to learn more.

If you’re ready to take advantage of this travel protection, apply for a Capital One travel and miles rewards card today. If you’re approved for either Venture or Venture X , you’ll have the opportunity to earn 75,000 bonus miles that you can redeem for flights, hotels, vacation rentals and more.

Other ways to maximize your travel benefits

Who wouldn’t want to get the most out of their credit card? Here are some things to know about Capital One travel rewards credit cards: 

Get a one-time 75,000-mile bonus with the Capital One Venture X card and receive an additional 10,000 bonus miles every year, starting on your first anniversary. ( View important rates and disclosures .)

Earn unlimited 2X miles per dollar on every purchase, every day and get 75,000 bonus miles upon signup with the Capital One Venture card . ( View important rates and disclosures .)

Earn unlimited 1.25X miles with no annual fee with the Venture One card from Capital One . ( View important rates and disclosures .) 

Explore travel rewards card options by comparing Capital One Venture cards . 

Learn how Venture X cardholders can get access to a worldwide network of airport lounges thanks to a complimentary Priority Pass membership .

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Travel insurance

Tricky travel insurance questions answered by experts

Erica Lamberg

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 6:00 a.m. UTC July 2, 2024

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• Travel insurance is subject to the terms and conditions of your policy, so it’s vital to read your policy documents to understand the scope of coverage, policy limits and exclusions of your plan. 
• Although your credit card may offer some valuable travel insurance benefits, make sure the coverage limits are a fit with your travel plans and circumstances.
• You can buy travel insurance to cover a portion of trip expenses, or to cover a trip with no prepaid, nonrefundable costs. 

Travel insurance can be a sound investment that protects your trip costs, health and the value of your belongings while you’re on a trip. Most comprehensive travel insurance plans provide coverage for the following issues: trip cancellation, trip delay, trip interruption, medical expense, emergency medical evacuation and baggage loss protection.

Your plan documents will provide an overview of the scope of coverage, including what your travel insurance covers , the limitations and what is excluded from your coverage.

It’s important to read your policy thoroughly and carefully so you can get the most value from your travel insurance plan.

Even when a policy is comprehensive, you may still have questions and concerns about the scope of what your plan will cover, how the policy works regarding reimbursement and more. We’ve asked travel insurance experts to explain the fine print and address some pressing travel insurance questions to help you be a more informed traveler and be best protected on your trip.

Do I need to buy travel insurance if my credit card covers it?

You may hold a credit card with travel insurance benefits that are provided when you use that credit card to pay for your trip. But its coverage might not be sufficient for an expensive or international trip. 

“Many credit card providers include no additional charge travel insurance coverage as part of a customer’s selection of a particular card,” said Scott Adamski, spokesperson with AIG Travel . “Based on the card type and level, benefits vary significantly, so it’s incumbent on the cardholder to review the terms and conditions in order to understand what coverages, if any, are included in the card.”

He cautions that cardholders should review limits of coverage to determine whether they are adequate for their needs. “In one review of credit card trip cancellation coverage, a particular card offers a $1,500 maximum trip cancellation benefit. If the customer were taking a trip with, for example, a $5,000 trip cost, there may be a limitation as to getting reimbursement above the benefit level through the coverage under the credit card,” said Adamski.

Another important consideration is that select credit cards may provide limited or no medical expense coverage . As most domestic health insurance isn’t accepted in foreign countries, make certain you are prepared with health coverage when traveling outside the U.S.

Travel insurance policies that you buy from a third party let you customize your coverage so you can get the benefits you need for a particular trip. These standalone policies offer a larger list of covered cancellation and interruption reasons, missed connection benefits, optional upgrades like adventure bundles, rental car coverage or increased limits on baggage, trip delay and medical and emergency evacuation protection . Plus, the only way to get “ cancel for any reason ” and “interruption for any reason” coverage is through a third-party policy. 

Although many credit cards provide baggage and trip delay insurance, getting a claim paid can take an extended period. Because airlines sometimes provide compensation for delayed flights and baggage, the credit card company may require you to prove what the airline reimbursed you before it will consider your claim.

“It is important to understand all parameters of the coverage, and you should review the details of any coverage you have through your credit cards,” Adamski said. He added, that due to the limitations described above, a third-party travel insurance program may be a great complement to the coverage offered through a credit card.

Can I insure only part of my trip?

Daniel Durazo, spokesperson for Allianz Partners US, said indeed you could purchase travel insurance to cover only part of your prepaid travel expenses. 

If, for instance, your flights are refundable and your car rental is cancellable, you may only want to buy travel insurance for the value of your prepaid accommodations. 

Travel insurance costs an average of 5% to 6% of the prepaid, nonrefundable trip expenses you want to insure. Insuring a lower amount will bring down the cost of your travel insurance policy.

Can I insure a trip with a value of $0?

Adamski with AIG said, yes, you can insure a trip with a zero value. “In fact, purchasing a travel insurance plan where there are no prepaid nonrefundable costs is not uncommon, and a common scenario includes the use of airline or similar mileage to pay for travel,” he said.

So when someone is using rewards miles to purchase air tickets or other components of a travel experience, there may not be any non-refundable amount. “An insured can still purchase an AIG Travel plan at $0 trip cost and benefit from the comprehensive coverages offered in the plan, i.e., medical expense, baggage and medical evacuation,” said Adamski.

Is it worth buying an annual policy or are the limits much lower? 

Opting to buy an annual travel insurance plan may be a sound purchase for frequent travelers. “Typically, an annual plan may offer lower benefits and limited coverage for scenarios such as trip cancellation, trip interruption or travel delays but will, conversely, have robust coverage for medical expense and medical evacuation benefits,” explained Adamski.

Therefore, someone who’s taking a number of low-cost trips using domestic air travel may elect to buy an annual plan specifically for more catastrophic events, such as a medical evacuation, particularly if they’re not as concerned about protecting the low-cost airfares, he said.

As an example, parents who have children located throughout the U.S. and are paying for lower costs, such as domestic air tickets to travel and then staying with their children, have relatively low out-of-pocket costs. “An annual plan may be a good fit. However, if those parents decide to take a vacation and book a $25,000 cruise, an individual travel insurance plan would be a good option,” clarified Adamski.

Annual policies can vary widely in terms of how or whether they cover pre-existing conditions. Some policies may cover pre-existing conditions if you buy the plan shortly after paying the initial deposit, while others cover them only if you experience an acute flare-up. However, some don’t offer any extra protection and restrict coverage to a medical history look-back period.

To ascertain if a plan is correct for your travel circumstances, be sure to thoroughly review the terms and conditions, benefits, coverages and limits of your travel insurance policy.

When will travel insurance arrange payment for a medical emergency?

According to Durazo with Allianz, depending on your personal situation, you may need to pay up front for medical care or be able to rely on your travel insurance to handle payment.

“If you experience a minor injury, such as needing to get stitches for a cut or getting a splint for a sprained ankle, there’s a possibility you will need to pay out of pocket and get reimbursed later,” said Durazo. 

However, he said, should you experience a more serious injury that leaves you in the hospital for more than 24 hours, that’s typically when an insurance company can guarantee advance payment for medical care, up to the limit of your specific policy. 

“Experiencing a medical emergency when you’re far from home can be incredibly stressful,” said Durazo. “That’s why it’s essential to purchase emergency medical coverage from a credible travel insurance company, who you know will be there for you when you have a problem.”

Expert tip: A travel insurance company with a medical assistance team can help direct you to the local, pre-screened medical providers, provide translation services when speaking with medical professionals outside of your own country, guarantee payments to hospitals and help transfer you to a more appropriate medical facility for top care.

Is it worth buying travel insurance if my health insurance covers me?

Relying solely on your health insurance provider in a foreign country can leave you in a vulnerable situation. Even if your domestic health insurance reimburses for medical expenses incurred outside of the country — and many don’t — it may require you to get pre-authorization, find an in-network provider and submit reimbursement claims. This could put you in a tough spot if you need to pay for medical care before you can leave the country. 

Travel medical insurance , which is included in comprehensive travel insurance plans, can provide additional guidance and advance payments to ensure your safe return home.

According to Durazo, if your health insurance is accepted abroad, it’s important to speak with your health insurance provider to determine if your policy also includes coverage for potentially expensive emergency medical evacuation and transportation. 

“Emergency medical transportation, especially by air ambulance, can cost tens of thousands of dollars and be very difficult to arrange on your own,” said Durazo. “Your travel insurance policy can arrange and pay for costly emergency medical transportation.”

Can I get reimbursed if I’m too anxious to travel?

Travel insurance recognizes numerous “covered perils,” that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy, said Adamski with AIG. “However, fear of travel is not a covered reason, nor is — as a more specific example — a concern that a developing tropical cyclone could become a hurricane and hit a certain destination when a traveler is scheduled to be there,” he said.

However, many travel insurance plans offer an optional “cancel for any reason” (CFAR) upgrade that would provide coverage for circumstances like these. The decision to pay extra for CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan, said Adamski.

“The key benefit put plainly is that this optional coverage could provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage may apply. It is of great importance that travelers carefully review the terms of any policies that offer a CFAR option to get specifics on coverage amounts, limits or exclusions,” said Adamski.

For example, if a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG travel insurance plan, Adamski said they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost. “Please note that, under the terms of CFAR, the traveler must cancel the trip more than 48 hours prior to their planned trip departure,” he emphasized. 

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Do you need travel insurance this summer?

It can be complicated to navigate all the options. christopher elliott is here to help.

By Christopher Elliott

6:00 PM on Jun 26, 2024 CDT

If you’re planning to travel somewhere this summer, you’re probably thinking of buying travel insurance.

Kingsley Hopkins is. He’s headed to Portugal and Iceland with his girlfriend, and he wants to make sure he’s covered for things like medical emergencies or trip disruptions, “or if a volcano erupts,” he says.

But getting the right travel insurance can be complicated. There’s no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Chances are, so have you.

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Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that’s busy.

At the same time, danger and uncertainty are lurking everywhere — wars in Europe and in the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It’s no wonder people are giving some serious thought to insurance.

Older travelers are particularly worried. And they should be, says P.K. Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

“According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities,” he says.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and standalone travel insurance. What should you get?

You need peace of mind

But don’t just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind, knowing that if something goes wrong, you’ll be taken care of.

“Knowing you’re protected from unforeseen travel mishaps — like delays, lost baggage and even medical emergencies — can make the trip that much more enjoyable,” says Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don’t need insurance

Here’s when you can skip travel insurance, according to experts:

• If you already have coverage. “You may already have travel coverage through your benefits at work, your credit card or through group benefits with an organization,” says Jiten Puri, CEO of PolicyAdvisor.com . If you do, there’s no need to buy more coverage. You’re all set.
• If you’re not traveling far. If you’re taking a driving vacation and staying in a place where lodging is free, like a relative’s sofa, then there’s not much to insure. “If you already have health insurance, it may cover you for a domestic trip, so you don’t need to think about health insurance coverage,” says Joe Cronin, CEO of International Citizens Insurance .
• If your trip isn’t insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying “yes” to optional travel insurance that your online travel agency may offer you when you’re booking a trip. You might not need it.

Here’s when you do need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here’s when you need the extra coverage:

• If you have travel expenses that insurance would cover. “If you have many prepaid, nonrefundable expenses, it’s best to take out travel insurance,” says Lauren Gumport, a spokeswoman for Faye Travel Insurance . ”This includes things like flights, hotel rooms, tickets and activities.” The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.
• If you’re leaving the country. “Your regular medical insurance might not extend coverage beyond your home borders,” says John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka and some European countries.
• If you can’t afford to lose your trip. “When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions or emergencies,” explains Robert Gallagher, president of the US Travel Insurance Association (USTIA). “Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?”

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

How one traveler insured his summer vacation

So how did Hopkins handle his travel insurance needs? Well, as I already mentioned — it’s complicated.

Hopkins says he always buys some travel insurance before he takes a trip, “but how much, and what I cover, varies,” he explains.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something goes wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

“We’re going to be doing a lot of hiking in Iceland,” he says. “And you just never know.”

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened.

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

“I’ve heard good things about them,” he says. “Hopefully, we won’t need any of it.”

How do I insure my trips?

I’m on the road about 360 days a year, so I’m always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a longtime Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know — that’s a lot of peace of mind.

But I’ve also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, N.M., a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott is an author, consumer advocate, and journalist. He founded Elliott Advocacy, a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential , a travel newsletter, and the Elliott Report , a news site about customer service. If you need help with a consumer problem, you can reach him here or email him at [email protected] .

Christopher Elliott , Special Contributor . Christopher Elliott is an author, consumer advocate and journalist. He founded Elliott Advocacy, a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential, a travel newsletter, and the Elliott Report, a news site about customer service.

Election latest: Polling stations to open imminently; what counts as voter ID

Polling stations are open from 7am until 10pm. Scroll down to read how to follow Sky's election night coverage.

Thursday 4 July 2024 06:45, UK

• General Election 2024

Please use Chrome browser for a more accessible video player

• Polling stations open from 7am until 10pm as Britain votes in General Election
• What counts as voter ID?
• Key election day timings
• What is the exit poll?
• How to watch election night coverage on Sky News

After weeks of campaigning, polls are due to open very soon and voters across the nation will have their say.

Here are the key timings of the day:

7am Thursday : Polls will open across the United Kingdom.

9pm : Sky News’ Election Night Live programme starts ( click here for details on how to watch ).

10pm : Polls will close and counting will begin.

10pm : Broadcasters’ exit poll will be published, giving the first indication of the election.

Around 11.30pm : First seats will be declared.

Around 4.30am Friday : We will likely know for certain who will form the next government.

7am : Sophy Ridge and Sam Coates broadcast the fallout from the election live on Sky News.

The fastest results, the sharpest analysis and an award-winning line up - as the general election unfolds, Sky News will bring you the full story, first.

Whether you want to settle down in front of the TV, stay in the know on the move, or keep updated from work, we'll have live coverage across our platforms to bring you everything as soon as it happens.

We'll have expert commentary and analysis to help you digest key developments, kicking off with the exit poll and running through the weekend.

What's happening - and when?

Polls are open from 7am until 10pm - and during that time, you won't see any coverage of politics or policy due to strict reporting restrictions.

But Sky News will still be bringing you colourful snapshots of polling day, from leaders casting their ballots to the important business of dogs at polling stations, on TV and right here in the Politics Hub .

9pm Thursday into Friday

Chief presenter Kay Burley will anchor Election Night Live, the overnight results programme, from a 360-degree immersive studio normally used by Sky Sports shows like Monday Night Football, alongside our expert team.

As soon as the polls close at 10pm, Sky News will bring you the exit poll - your first insight into how the general election results could play out.

From 7am on the morning after the nationwide voting, lead politics presenter Sophy Ridge, host of Sky's Politics Hub programme, will be live from Westminster bringing viewers every development as the election result is absorbed and plans for the next government are made.

Ridge will be joined by deputy political editor Sam Coates and Sky News contributor Adam Boulton across what will be a historic day, as the nation awaits the next prime minister.

How to watch

The Politics Hub

This live blog will feature the latest results, swift and in-depth analysis, as well as reactions to the results across the country and much more - so bookmark this page !

Shortly after the polls close we'll have a seat-by-seat lookup to let you see the forecast result in your constituency and through the night we'll have a live, interactive results service to give you the big picture as well as the result where you live.

Watch on TV for FREE : Freeview 233, Sky 501, Sky Showcase, Virgin 603, and BT 313.

Streams and social : Watch Sky News live here , and on YouTube .

We will also be posting the latest videos and stories on TikTok , X , Instagram , Facebook and WhatsApp .

Listen: Listen to Sky News on TuneIn , and here .

This is the first general election in which all voters will need to provide ID in order to cast a ballot.

There are 22 different types of ID you can use. For people without photo ID, Voter Authority Certificates are available - but you must have applied by 26 June.

Here's everything you need to know.

What ID can eligible voters use to vote in elections?

• Most forms of existing photo ID will be accepted, including:
• UK or Northern Ireland photocard driving licence (full or provisional)
• driving licence issued by the EU, Norway, Iceland, Liechtenstein, the Isle of Man or any of the Channel Islands
• UK passport
• passport issued by the EU, Norway, Iceland, Liechtenstein, or a Commonwealth country
• PASS card (National Proof of Age Standards Scheme)
• biometric residence permit (BRP)
• Defence Identity Card (MOD form 90)
• national identity card issued by the EU, Norway, Iceland, or Liechtenstein
• Northern Ireland Electoral Identity Card
• Voter Authority Certificate
• Anonymous Elector's Document

The following travel passes will also be accepted:

• older person's bus pass
• disabled person's bus pass
• Oyster 60+ card
• Freedom Pass
• Scottish National Entitlement Card (NEC)
• 60 and Over Welsh Concessionary Travel Card
• Disabled Person's Welsh Concessionary Travel Card
• Northern Ireland concessionary travel pass

Voters can still use photo ID that is out of date, as long as it still looks like them and the name is the same one used to register to vote.

What ID do you need if you're voting as someone's proxy?

You'll need to take your own ID if you're voting on someone else's behalf. You do not need to take theirs.

The exit poll is the first big moment of the night - the moment millions tune in for a first indication of the eventual result of the general election.

Commissioned by the broadcasters - Sky News, the BBC and ITV News - the fieldwork is carried out by Ipsos UK who will have interviewers at 133 polling stations around the country this year.

People who have just voted will be asked to privately fill in a replica ballot paper and place it into a ballot box as they leave their local community centre, church hall or station.

Researchers can only deploy to a fraction of the total constituencies in England, Scotland and Wales, so locations are chosen to best reflect the demographics of the country with an urban and rural spread.

However, many of the locations will be in marginal seats, where the swing between the main parties will be tracked.

The same polling stations are targeted year after year so the swing from the last election's exit poll, along with other data at constituency level, can be analysed by those crunching the numbers.

The data collected at the polling stations is sent back by interviewers to Ipsos UK at several stages throughout the day.

It's processed there and sent via a secure data pipeline to the broadcasters' statisticians and political scientists who are locked down in a secret location in the capital.

Electoral rules mean that no polling can be reported while people are voting - Sky News and the other broadcasters will cover it in full from 10pm.

Election coverage begins on Sky News from 9pm, and it is free, wherever you get your news. Here is how to watch and follow live .

Over the next few days, both here in the Politics Hub and on TV, you will hear plenty of different terms - some of which you may have heard before, some not.

So here is some of the jargon you might read and hear in our coverage of the next couple of days…

Battleground

This refers to a seat which one - or more - political parties have earmarked as a potential loss or gain. Typically, these areas will see a significant amount of campaigning in the run-up to polling day. They tend to be marginal seats, or those where MPs have resigned.

This is a term used to describe constituencies largely in southern England which have historically supported the Conservative Party.

When two or more parties form a government together because no one political party has the majority of seats in parliament.

Confidence and supply

This is not quite the same as a coalition, but still requires a party to strike a deal with another to form a government. Confidence deals, according to the Institute of Government, "typically make clear that the support party or parties must back the government on explicit confidence votes, and votes on budgets and supply (government spending). In return, the support parties are given government support for specific policy priorities."

Constituency

This is a geographical area where voters elect a single MP to represent them in the House of Commons. At present, there are 650 parliamentary constituencies in the UK.

Put simply, this is a poll of voters taken immediately after they have left polling stations. It asks which way they voted, and can give a good indication of the result in certain areas. It is published at 10pm on voting day when the polls close, and gives an indication of how the results could go.

First past the post

This is the electoral system used for the selection of MPs in the House of Commons. Voters select a single candidate for their constituency, and the person with the most votes wins.

Hung parliament

This is when a general election ends without a single political party having the majority of seats in the House of Commons. This situation can lead to a coalition or confidence and supply agreement - as explained above.

The easiest way for a political party to form a government is to win the majority of seats in parliament. There are 650 MPs in the Commons. Therefore, to have an overall majority, a party must win over half of these seats - at least 326.

This is a public declaration of policy published by a political party ahead of a general election.

This is a constituency seat which is won by only a small margin, usually 10% or under. This means that only a small change in voter habit could see a party lose the seat - and this could be critical. Marginal seats are viewed as the "battleground" of an election.

Minority government

In a minority government, the governing party has the most seats - but still less than half the total. In the UK, this would mean the party has less than 326 seats in the House of Commons.

This is a term used to describe constituencies largely in the north of England and in the Midlands which have historically supported the Labour Party.

The swing is the percentage change in the vote share from one party to the other. It indicates the scale of the change between two parties.

Swing voter

A swing voter is a person who does not have a strong political affiliation, and could give their vote to any number of parties on polling day. These voters can be critical to the outcome of an election, particularly in marginal seats.

Tactical voting

This is when a voter chooses a candidate they would not normally support, in a bid to prevent another candidate from winning.

But Sky News will still be bringing you colourful snapshots of polling day, from leaders casting their ballots to the important business of dogs at polling stations, on TV and right here in the  Politics Hub .

This live blog will feature the latest results, swift and in-depth analysis, as well as reactions to the results across the country and much more - so  bookmark this page !

Streams and social : Watch Sky News live  here , and on  YouTube .

We will also be posting the latest videos and stories on  TikTok ,  X ,  Instagram ,  Facebook  and  WhatsApp .

Listen: Listen to Sky News on  TuneIn , and  here .

Election coverage begins on Sky News from 9pm, and it is free, wherever you get your news.  Here is how to watch and follow live .

Be the first to get Breaking News

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