travel insurance tourist visa

Travel Medical USA Visitor Basic & Choice

Best visitor health insurance benefits for up to 3 years

Why Should I buy Visitor's Insurance?

If you’re traveling to the United States, you should be aware medical expenses in the USA are some of the most expensive in the world. That’s why it’s important to consider travel insurance like Travel Medical USA Visitor to protect you if you become sick or hurt on your trip. Because it has scheduled benefits, it is priced affordably even for longer trips, and includes 24/7 multilingual travel assistance services provided by an experienced team who can help you find medical care.

Non-United States citizens and non-United States residents who are traveling to the USA can buy Travel Medical USA Visitor. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.

If you wish to buy this plan, your travel destination must be the USA. The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage benefit for details.

Compare Travel Medical Visitor Insurance Benefits

Frequently asked questions, how this plan works, what documents do i receive after buying travel insurance from seven corners.

Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document.

The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for the plan. We recommend you read it, so you understand how your plan works. Refer to the plan document for applicable exclusions.

Who can buy a Seven Corners Travel Medical USA Visitor plan?

Non-United States citizens who are traveling to the USA can buy Seven Corners Travel Medical USA Visitor. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.

United States citizens, including those with dual citizenship, and Green Card/Permanent Resident cardholders cannot buy this plan for travel to the United States and U.S. territories.

Country Restrictions  — We cannot sell to persons who are a resident of Australia, Cuba, Democratic People’s Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Nigeria, Sierra Leone, Syrian Arab Republic, United States, and United States Virgin Islands.

Where can I travel?

If you wish to buy this plan, your travel destination must be the USA.

The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage benefit for details.

We cannot cover trips to Afghanistan, Antarctica, Belarus, Cuba, Haiti, Iraq, Islamic Republic of Iran, Israel, Democratic People’s Republic of Korea (North Korea), Libyan Arab Jamahiriya, Myanmar, Palestinian Territory Occupied, Russian Federation, South Sudan, Sudan, Syrian Arab Republic, and Yemen.

How long can I be covered by this plan?

You can buy up to 364 days of coverage. If you buy less than 364 days, we will email you an extension notice before coverage ends. There is a $5 fee for each extension. If you purchase Seven Corners Travel Medical USA Visitor Choice, you can extend your coverage up to 1,092 days (3 years).

When does my coverage start?

Your plan's effective date is the start date of your plan, which begins at the latest of the following times:

• 12 a.m. the day after we receive your application and correct payment if you apply online;
• The moment you depart your home country;
• 12 a.m. on the date you request on your application.

All times above refer to United States Eastern Time.

When does my coverage end?

Your coverage ends on your expiration date, which is the earliest of the following times:

• The moment you return to your home country (except for coverage provided by the Incidental Trips to Home Country benefit);
• 11:59 p.m. on the date you reach the maximum period of coverage;
• 11:59 p.m. on the date shown on your ID card;
• 11:59 p.m. on the date that is the end of the period for which you paid premium; or
• The moment you fail to be eligible for the plan.

Does this plan provide primary coverage or secondary coverage?

It provides secondary coverage. All coverages except Common Carrier Accidental Death & Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. This Plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Will Seven Corners give me a refund for this plan if I'm not satisfied?

We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $35 cancellation fee, if you have not submitted any claims to Seven Corners.

Where can I find what is not covered by this plan?

You can find situations and items not covered by this plan in the exclusions section of the plan document.

Who provides the coverage for this plan?

Your underwriter is Crum & Forster SPC.

This plan includes international travel medical insurance underwritten by Crum & Forster SPC. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2023.

Seven Corners administers your plan.

Seven Corners will handle your travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own in-house team, Seven Corners Assist, will handle your travel assistance needs, including emergency services such as emergency medical evacuations and repatriations.*

*These types of service are not insurance and are not affiliated with Crum & Forster, SPC. They are provided by Seven Corners Assist.

Medical Benefits and Coverage

How do i find a medical provider when i'm traveling.

Find medical providers using our online tools or contact Seven Corners Assist .

Inside the United States  — With the Seven Corners Travel Medical USA Visitor plan, you may seek treatment from any medical facility or provider you wish.

Outside of the United States  — Seven Corners has a large directory of providers, and many of them have agreed to bill us direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.

Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

What is a pre-existing condition?

Pre-existing conditions include any injury or illness, including mental illness or mental or nervous disorder, which meet one or more of the following criteria before your effective date of coverage:

• You were diagnosed;
• You received treatment;
• Treatment was recommended to You;
• There is reasonable medical certainty that the injury or illness existed within the last 36 months, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed.

This includes any chronic, subsequent, or recurring complications of an injury or illness which meets the above criteria.

How does Seven Corners cover pre-existing conditions on Travel Medical USA Visitor?

Many travel insurance plans do not cover pre-existing conditions. Seven Corners Travel Medical Visitor USA covers them through the Acute Onset of Pre-Existing Conditions benefit.

Coverage amounts vary by age and plan. See the schedule of benefits in the plan document for details.

An Acute Onset of Pre-Existing Conditions is the occurrence of a pre-existing condition that meets these criteria:

• It is sudden, unexpected, and occurs without advanced warning;
• It is a medical emergency;
• It occurs during the period of coverage;
• You obtained treatment within 24 hours of the occurrence;
• You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
• Your pre-existing condition is not congenital, a previously diagnosed chronic condition with expected episodes or flare-ups, or a deteriorating condition which cannot be controlled and gradually intensifies over time.

Coverage ends when the first of these events occurs:

• The condition no longer being acute; or
• Your discharge from the hospital.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to arrival in the USA and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

PPACA -- Patient Protection and Affordable Care Act

Does this plan provide benefits required by ppaca.

This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain U.S. citizens or U.S. residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.

Limitations, exclusions and disclaimers from Crum & Forster, SPC.

Disclaimer: The above information is a summary of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan issued to the policyholder. For a detailed plan description, exclusions, and limitations please view the plan on file with Seven Corners, Inc. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this web page and the Policy.

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

A tourism and visit visa, also known as a B-2 visa, is a United States visitor visa for nonimmigrants wishing to enter the U.S. for tourism or leisure purposes. This B-2 visa does not apply to individuals entering the U.S. for work, study, paid performances, or permanent residence.

WHAT IS THE DIFFERENCE BETWEEN A B-1 AND B-2 VISA?  B-1 and B-2 visas are both classified as nonimmigrant visitor visas for non-U.S. citizens who wish to enter the U.S. temporarily. However, the B-1 visa applies to individuals entering the country for business purposes (i.e. to consult with associates or attend a conference) while the B-2 visa applies to tourist or recreational visits.

Who Needs a U.S. Tourist Visa?

Individuals traveling to the United States for the following reasons will need to apply for a B-2 “tourism and visit” visa:

• Holiday or vacation
• Visit with friends or family
• Musical, sporting event, social event, or contest (B-2 visa only applies to participants in these events if they are not being paid for their participation)
• Enrollment in a course of study which does not count for credit toward a degree (e.g. week-long yoga class)

Are There Any Tourist 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).

To learn more about eligibility and enrollment, visit our  “Understanding the U.S. Visa Waiver Program”   page.

How Do I Apply for a Tourist Visa?

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: 

1. Complete the Online Nonimmigrant Visa Application, Form DS-160

The  Form DS-160  will require you to upload a recent color photo that meets the  photograph requirements found here . Once you have filled out and submitted your form, you’ll need to print the confirmation page to bring with you to your visa interview.

2. Schedule an Appointment for Your Visa Interview

This is the interview you will complete with a U.S. consular officer to determine whether or not you meet visitor visa requirements and which visitor visa you need. While you may schedule your interview at any U.S. Embassy or Consulate, it is recommended that you schedule it in the country in which you live – it may be more difficult to obtain a visa outside of your country of residence. To find the nearest embassy or consulate and its contact information, search for your country of residence at  USEmbassy.gov .

IS A VISA INTERVIEW REQUIRED OF ALL U.S. VISITORS?  In general, visa interviews are required of all travelers between the ages of 14-79. Interviews are not typically required of applicants 13 years and younger or 80 years and older—though consular officers reserve the right to require an interview of any visa applicant, regardless of age.

3. Check the Typical Wait Time for Your Country

Understand that wait times vary by location, visa category, and even season, which is why you should apply early. You can check the wait time for your embassy or consulate under  "Appointment Wait Time" at travel.state.gov .

4. Pay the Non-Refundable Visa Application Fee

This is a $160 fee that may be required before your interview. Citizens or residents of certain countries will be required to pay an additional visa issuance fee (upon visa approval). To determine whether you’ll owe an issuance fee, select your nationality under “Prepare for Your Interview” at the  state.gov “Visitor Visa” page .

5. Gather the Required Documents

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)
• One printed photo that complies with visitor visa photo requirements (in case your photo fails to upload to the online Form-DS-160)

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 could provide evidence of a job back home, friends or family, or ties to a church or social club in your home country.
• Your financial means which allow you to travel to the USA: Evidence could include bank statements, credit cards, or pay slips. A  tourist 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.

6. Attend Your Visa Interview

See  tourist visa interview practice questions and interview tips.

What Is U.S. Tourist Visa Health Insurance?

Tourist visa health insurance is travel medical insurance that provides international coverage to those traveling to the United States from abroad. It typically offers coverage for the treatment of unexpected injuries and illnesses, emergency medical evacuation, emergency travel, accidental death, and some travel mishaps (like the airline losing your checked luggage).

Why Do I Need U.S. Tourist Visa Health Insurance?

Though undeniably exciting, international travel can still pose a risk. Here are 3 reasons to consider health insurance for your tourist visa:

1. There’s always a chance you could encounter a travel mishap, accident, or illness that calls for tourist visa insurance.  After all, you’ll be navigating a foreign country while likely trying new foods, dealing with the effects of jet lag, and exposing yourself to foreign bacteria.

2. Your domestic health policy may not cover you in the United States.  Even if it does, it may provide limited coverage. In the U.S., people are responsible for their own healthcare costs, meaning you’ll be financially responsible for any medical expenses that result from an unexpected illness or injury.

3. According to  healthcare.gov , a broken leg can cost up to $7,500 to fix in the U.S., and the average cost of a 3-day hospital stay is around $30,000.  Tourist visa health insurance, as noted by the  Centers for Disease Control and Prevention (CDC) , can reduce “the cost of a medical emergency" and the resulting “financial burden on travelers" by providing access to quality care and financial help if the unexpected occurs as you travel the country.

4. You may be asked to show proof of your ability to pay return travel, lodging, and medical costs.  A tourist visa health policy like  Atlas America  could help demonstrate your ability to pay for medical expenses by showing that you have coverage for unexpected injury or illness.  When you purchase Atlas America insurance, you’ll be given access to a visa letter which can serve as proof of work visa health insurance.

What Does U.S. Tourist Visa Health Insurance Cover?

In the face of a medical or travel emergency in the United States, a tourist visa health plan like Atlas America can provide access to a wide network of doctors and hospitals, emergency assistance, and a number of vital benefits.

Here Are a Few Highlights of Atlas America Insurance:

• 100% coverage for eligible medical expenses – after the deductible and up to the overall maximum limit – for injuries and illness incurred inside the U.S.
• Emergency Medical Evacuation
• Trip Interruption, Travel Delay, and Lost Checked Luggage coverage
• Multilingual emergency assistance available 365 days a year

Atlas America Offers Several Different Policies to International Visitors:

• Atlas Travel:   Flexible and generally budget-friendly, this balanced plan offers high coverage limits for single international trips.
• Atlas Premium:   This plan provides even higher coverage limits for a number of important benefits.
• Atlas Group:   This plan provides the same coverage as Atlas Travel – at a 10% reduced rate for groups or families of 5 or more!

Atlas America policies are available to individuals 14 days or older who are traveling to the U.S. from abroad and looking for coverage of up to one year.

Why Choose Atlas America Insurance?

When you purchase an Atlas policy from WorldTrips, you can expect:

• Flexibility:  Policies allow you to select the deductible, length of coverage, and coverage maximum that best align with your travel needs.
• Ease-of-Use:  Online fulfillment is available immediately and no health screenings are required for acceptance. Plus, our  wide provider network  covers the majority of the United States, making it easy to find quality doctors and treatment.
• Assistance:  Policies come with access to a full line of  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.” 

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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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U.S. Tourist Visa and Travel Insurance Requirements

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Everything you need to know about visitor health insurance

Are you planning a trip to the USA and wondering what to do in case of a medical emergency? A trip overseas can be stressful, especially when you do not understand how to maneuver the other country’s medical system and the insurance you would need to purchase to cover the costs.

In this blog, you will learn everything you need to know about visitor health insurance when visiting the United States and how to find the best visitor health insurance in USA .

What Is VISITOR HEALTH INSURANCE?

Visitor health insurance Is a type of travel health insurance for international visitors and residents visiting the United States. A visitor health insurance will protect a policyholder’s medical and travel costs for the duration of their stay in the United States starting from the effective date of the policy.

Tourists and people traveling on a few other select visas will benefit from health insurance for visitors and access good quality healthcare and travel benefits for unexpected medical emergencies in the United States.

WHY DO I NEED VISITOR HEALTH INSURANCE?

Millions of tourists visit the US annually to see the vast scenic expanse and groundbreaking technological advances. With this comes a greater risk of falling sick or experiencing an injury. If you’re visiting the USA, health insurance for visitors is highly recommended by the CDC (Centers for Disease Control and Prevention). Here are some reasons we recommend visitor health insurance when you visit the USA.

Unexpected illness

Despite basic precautions, succumbing to an unexpected illness during your trip is possible. These are the times when visitor medical insurance can be beneficial. It will cover expenses incurred due to an unexpected illness or injury.

No coverage

Local medical insurance will cover medical expenses within your country but may not protect you during your overseas travel. Visitor medical insurance is made specifically for people visiting the United States or other countries.

Exorbitant Healthcare

It is a known fact that the United States has one of the highest healthcare costs in the world. You can save yourself from paying exorbitant fees with travel medical insurance.

Benefit from Visitor Health Insurance

Depending on your plan and other variables, such as your age, here are some benefits that may be included in your fixed and comprehensive plans.

Medical Benefits

• Policy maximum from $10,000 up to $8,000,000.
• Hospital room and board, including medical services
• Intensive Care Unit
• Ambulance charges

Travel Benefits

Emergency Medical Evacuation

• Repatriation of remains
• Local Burial or Cremation
• Loss of checked luggage
• Bedside Visits
• Return of Minor Children
• Trip Interruption
• Accidental Death and Dismemberment

What Does Visitor Health Insurance for USA Visitors Cover?

Most plans will cover basic hospital and doctor visit expenses up to the permissible limit in the policy. Based on your visitor medical insurance, here are some benefits that could be covered in your plan.

Coverage for Medical Expenses

Medical Treatment

Covers expenses related to unexpected illness, injury, or accident.

Evacuate you to the nearest airport that is closest to the medical facility for treatment.

Accidental Death or Dismemberment

Transport your remains back to the home country or towards burial or cremation in the place of death.

Coverage for Travel Expenses

Loss of Checked Luggage

The insurance will cover up to a maximum limit of your loss of checked luggage.

Trip Interruptions

The insurance will cover in the event you have to interrupt your journey and return to your home country.

What are the types of coverage you can buy?

One of the biggest reasons to choose a visitor medical insurance is the lack of medical coverage during overseas trips by a local health insurance plan. The risks involved during an international trip to the USA are unpredictable.

There are two types of coverage in visitor medical insurance plans. These are fixed and comprehensive coverage plans.

Fixed Coverage

As the name suggests, fixed coverage plans have limited coverage, which makes it a very affordable option for travelers visiting the United States. That said, the biggest limitation of this type of coverage is you become responsible for expenses that exceed the coverage limits. Let’s look at some of the benefits of fixed coverage —

• Essential protection, ideal for low-risk travelers
• Low premium that makes it easy on your pocket
• Fixed coverage amount to offer a basic level of protection

Comprehensive Coverage

Comprehensive coverage plans have higher coverage compared to fixed coverage plans. Most comprehensive plans are higher in cost than fixed health insurance plans. Here are some options when it comes to comprehensive coverage plans on VisitorPLANS, such as —

• Atlas America
• Patriot America Plus
• Safe Travels USA Comprehensive
• Visitors Protect

Please check with your agent to determine the right plan for you based on factors such as age, length of stay, place of origin and destination, health risk, etc.

If you’re visiting the US from another country, ensure you purchase travel medical insurance. VisitorPLANS is one of the leading websites in the United States with multiple coverage options for your need.

Check out VisitorPLANS for more information.

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What type of coverage do you need?

• Vacation / Holiday
• Visitor / Immigrant
• Student / Scholar
• Employer / Business Traveler
• Expat / Global Citizen
• Mission / Social Good
• Marine Captain / Crew
• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Individual & Family Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
• Insurance Companies
• Educational Institutions
• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, visitor insurance plans, visitor & immigrant health insurance options.

V isitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren’t covered outside of their home country.

Specifically, in the United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars. IMG’s visitor insurance plans provide coverage for new medical expenses, multilingual customer service experts, hands-on healthcare coordinators available 24/7 and online resources to make traveling internationally less stressful.

Visitor Insurance plans are excellent for visiting family members or friends, vacationing, taking a short business trip, or any reason that you may find yourself in the U.S. To compare IMG's visitor insurance plans, check out our article, How to Choose the Best Visitor Insurance Plan for You .

Popular Plans For Visitors & Immigrants

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

• COVID-19 coverage for travelers to the U.S.
• Coverage for inside the U.S.
• Short-term travel medical coverage
• Made for individuals, groups, and their dependents
• Coverage for Acute Onset of Pre-Existing Conditions*
• Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

Visitors Protect Insurance

Temporary health insurance for individuals, families

• Coverage for Pre-Existing Conditions
• Coverages for inside the U.S., Canada and Mexico
• Coverage for individuals, and their dependents
• Subject to deductible and coinsurance
• Limit: $300 (Unexpected pain or treatment due to an accident)
• Treatment at a hospital due to an
• Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

• Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
• Coverage for individuals, groups, and their dependents
• Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus

Additional Plans For Visitors & Immigrants

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups when traveling outside of your home country.

Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.

Global Medical Insurance

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

UnitedHealthcare Dental Plans

Dental insurance options with coverage for routine preventive dental care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.

UnitedHealthcare Vision Plans

Vision insurance with coverage for routine preventive vision care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.

Give us a call

Have any questions we’re here to help you, 866-263-0669, is visitor insurance required in the u.s..

V isitor insurance is not required to travel to the U.S. on a B-2 visa. However, healthcare costs in the U.S. are often higher than those in other countries, so not having the proper coverage could leave you to pay thousands of dollars for any necessary medical care.

Purchasing visitor insurance is also a very simple process as no medical exam or medical history review is necessary to get coverage. These plans are designed to protect you from unexpected illnesses or injuries that occur while you are traveling, thus your past health history is not needed.

For answers to any other visitor insurance questions, check out our Visitor Insurance FAQs .

How Much Does Visitors Insurance Cost? Coverage starts at a few dollars per day and increases depending on age and coverage options

IMG’s most popular visitor insurance plan, Patriot America Plus , offers excellent coverage at a competitive price. There are also other product tiers that vary in price depending on your budget and level of benefits. Patriot Platinum Insurance provides the highest level of coverage, while Visitors Care provides a lower priced option with limited benefits. Or you can choose your own visitor insurance plan.

Factors that Determine Cost The cost of a visitor health insurance plan varies based on many factors, including:

Age of traveler.

Old and young visitors alike can find a visitor insurance plan that fits their needs. While premiums become more expensive for older travelers due to increasing risks of health problems, there are still many varying price levels available to fit in your budget.

Area of Coverage

Visiting the United States will result in a higher premium than if traveling to another part of the world due to the high costs of medical care in the country.

View the breakdown of daily and monthly rates in the Patriot America Plus brochure  to get a better idea of how much you can expect to spend for coverage during your trip. For any trip longer than a year, you may also want to explore our international health insurance options .

Coverage Level

Higher maximum limits and lower deductibles will increase your plan costs. Consider how much you could afford in addition to your deductible if something unexpected were to happen while you’re away when choosing the right options for you.

What Does Visitor Health Insurance Cover? Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Emergency evacuation.

In the event of an emergency medical evacuation, coverage provides evacuation to the nearest qualified medical facility and expenses for reasonable transportation resulting from the evacuation.  

Medical Expenses

Coverage for medically necessary expenses resulting from new or unexpected injuries or illnesses including local ambulance, intensive care, emergency room, and more, if needed.

Return of Mortal Remains

Should a covered illness or injury unfortunately result in death, this benefit provides coverage for repatriation of bodily remains or ashes to your home country; or for the preparation, local burial or cremation of your mortal remains, at the place of death.

Pre-Existing Condition Coverage (Varies by Plan)

Visitors Protect provides pre-existing condition coverage for gradually developing conditions or those becoming worse over time. Patriot America Plus and Patriot America Platinum provide coverage for acute onset of pre-existing conditions in the event of a sudden and unexpected outbreak or recurrence of a pre-existing condition.

Recent Blog Articles

Where can you travel internationally right now.

There are many international destinations that you can currently visit, but here are eight popular spots to consider for your next leisure getaway.

Frequently Asked Questions

Our Visitors Protect plan offers coverage for pre-existing conditions that gradually develop or worsen over time (such as diabetes or high blood pressure). This plan is designed specifically for individuals and families traveling from their home country to the United States, Canada, and Mexico. For more information, view the full Visitors Protect benefits table .

Other IMG international travel medical plans may cover “Acute Onset of Pre-Existing Conditions.” This is different than a more traditional definition of “Pre-Existing Conditions.” Patriot America Plus, Patriot America Platinum, Patriot International, and Visitors Care plans cover acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan. Here is our definition of what would be considered an acute onset of a pre-existing condition (according to a sample insurance plan from October 2022):

A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew or reasonably foresaw he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Individuals not residing in the U.S.
• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes).  See Am I a Resident or Non-Resident Alien? 
• Individuals with a coverage gap of less than 3 months
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
• Individuals with a religious conscience exemption (applies only to certain faiths)
• Members of a health care sharing ministry
• Incarcerated individuals
• Individuals with income below the tax filing threshold; and
• Members of Indian tribes

You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan .

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs .

However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.

If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit. 

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Need extra protection and coverage? Explore our travel insurance options.

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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.

You might also be interested in:

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How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

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Overseas Visitor Health Cover

Visitor visa 600 health insurance, are you travelling to australia on a 600 visitor visa.

Whether you are a tourist on a holiday, coming for a short business trip or staying with family, we offer Overseas Visitor Health Cover (OVHC)  for international visitors on 600 Visitor Visas.

Our OVHC is Australia-wide and lets you access medical and health cover if something happens during your stay. The Department of Home Affairs recommends that 600 Visa holders take out health insurance each time you travel to Australia – so you are covered during your stay.

Our visitor cover options

Budget visitors cover.

From  $148.70 AUD /mth with $500 hospital excess.

Our most affordable in-hospital cover to meet visa requirements.

Standard Visitors Cover

From $603.30  AUD /mth with $500 hospital excess

In-hospital and out of hospital cover including local doctors, specialists and prescription medicines.

About 600 Visitor Visa

Visitor visas are issued by the Australian Government Department of Home Affairs for tourists, business visitors or to visit family. You must be a genuine visitor and have enough money to support your stay and leave.

For more information about how to apply, visit the  Department of Home Affairs .

What does this visa let you do?

The 600 Visitor visa lets you visit Australia for up to 3, 6 or 12 months and has 6 streams:

•   Tourist stream (apply in Australia)
•   Tourist stream (apply outside Australia)
•   Sponsored family stream
•   Business visitor stream
•   Approved Destination Status stream 
•   Frequent Traveller Stream

For more information about the streams, visit the  Department of Home Affairs website.

Are you eligible for a Visa 600?

• as a visitor or tourist
• for business visitor activities
• to visit family
• on a tour with a registered travel agent from the People’s Republic of China.

For full details about eligibility and more information, visit the  Department of Home Affairs website.

Accessed: Department of Home Affairs, August 2024.

601 Electronic Travel Authority

651 evisitor visa, who can be covered, single policy, dual family policy, multi-family policy.

Looking for a different visa?

870 Sponsored Parent Visa Health Insurance

Bridging Visa Health Insurance (010, 020, 030)

408 Temporary Activity Visa Health Insurance

Why choose Allianz Care Australia

Access to health care

24/7 Emergency Phone

Receive certificate of insurance online

Join australia's leading international health experts.

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5 Tips for Buying Schengen Visa Travel Insurance

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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 .

Table of Contents

1. Decide which type of insurance you’d like

2. get multiple quotes, 3. use this as an opportunity to maximize credit card bonus points, 4. double-check the policy before purchasing, 5. consider using a credit card that provides trip insurance instead of buying a new policy, if you’re looking to buy travel insurance for a schengen visa.

Travel insurance can be a very important accompaniment to your trip, especially when you’re traveling throughout multiple countries. Europe is a prime example of this, where the border-free Schengen zone allows you to traverse multiple countries without passing passport control. Finding Schengen visa travel insurance isn’t always simple, however, and you’ll want to ensure that you have coverage regardless of your location.

There are plenty of things to think about before buying travel insurance when traveling throughout Europe, including: the coverage you’re looking for, how you’ll be paying and whether your credit card already offers insurance.

Let’s take a look at Schengen travel insurance and five easy tips for making sure you’re good to go — no matter where you travel within the region.

Although there aren’t generally any Schengen visa travel insurance requirements, there are multiple types of travel insurance coverage available depending on your needs. Consider carefully the type of coverage you’re looking for. Common types includes:

Travel medical insurance .

Trip interruption insurance .

Cancel for any reason insurance .

Trip cancellation insurance .

Lost luggage insurance .

Rental car insurance .

Accidental death insurance .

Emergency evacuation insurance.

Note that the U.K. left the Schengen zone a few years ago, so you’ll want to double-check whether coverage in the U.K. is valid for your travel insurance policy.

» Learn more: Is travel insurance worth it?

It’s always in your best interest to get multiple quotes before purchasing insurance. The amount you’ll pay will be heavily dependent on the type of coverage you receive, its length and any deductibles that you may have.

Cancel For Any Reason insurance, or CFAR, allows you to recoup most or all of your nonrefundable costs — no matter why you’ve chosen not to travel.

There are plenty of different websites that’ll allow you to compare different insurance plans such as TravelInsurance.com or SquareMouth.com (a NerdWallet partner), which will gather together multiple quotes in one easy search.

There are several details you’ll need to have on hand when looking for quotes. These include:

The total cost of your trip.

Your destination.

Your dates of travel.

The number of travelers.

The age of travelers.

Where you live.

When you booked your trip.

Once you’ve got all your information gathered together, it’s simple to find a policy that fits your need for travel insurance in the Schengen zone on one of the comparison websites.

» Learn more: What is travel insurance?

If you’re planning a vacation to Europe, hopefully you’ve already acquired a travel credit card or two. However, cards that focus on travel rewards won’t necessarily optimize insurance purchases.

» Learn more: How to choose a credit card for Europe travel

In this case, you’ll want to double down on rewards with a card that’ll maximize everyday spend. These cards will give you bonus points on all purchases, no matter their category. Great options for this include:

Capital One Venture Rewards Credit Card : Earn 2x Capital One Miles per dollar spent on all purchases.

Citi Double Cash® Card : Earn 2% cash back in the form of Citi ThankYou points on all purchases: 1% when you make your purchase and another 1% when you pay your bill. Plus, through the end of 2024, cardholders can get 5% cash back on hotel, car rentals and attractions booked through the Citi Travel portal .

Chase Freedom Unlimited® : Typically earn 1.5% cash back on all non-bonus category purchases.

The Blue Business® Plus Credit Card from American Express : Earn 2 American Express Membership Rewards on the first $50,000 in purchases each year. Terms apply.

Pair your Chase Freedom Unlimited® card with a Chase Sapphire Preferred® Card card or Chase Sapphire Reserve® card to unlock the full suite of Chase Ultimate Rewards® transfer partners. This strategy is sometimes referred to as the Chase Trifecta .

While you likely won’t be earning a ton of points for your travel insurance purchase (unless your costs are exorbitantly high), maximizing your earnings is always a good idea. Don’t leave money on the table.

» Learn more: The best travel insurance companies

Not all travel insurance policies are created equal. This is probably no great revelation, but it’s definitely something of which you’ll want to be aware.

This is especially pertinent when it comes to the current travel climate in the COVID-19 era. While you may purchase a health insurance plan that covers most medical costs, it may specifically exclude those incurred by COVID-19. And even if it does reimburse you for any hospital costs, it may not pay for a forced quarantine in the event of illness.

These are things you’ll want to check for when buying travel insurance for any trip. Be sure to read the terms and conditions of your policy carefully, and if there’s very specific coverage you’re looking for (such as that offering protection in the event you catch COVID-19), you can often use search filters to narrow down your options.

» Learn more: Is there travel insurance that covers COVID quarantine?

One great feature of travel credit cards is the complimentary trip insurance they often provide. In order for your trip to be eligible for coverage, you’ll need to use the card to pay for your trip. In exchange, however, you can receive some pretty powerful benefits without needing to pay out of pocket.

The Chase Sapphire Preferred® Card card, for example, provides primary rental car insurance. This means that when you decline the insurance offered at the counter, your entire rental will be covered against collision up to the actual value of the rental car.

What’s most powerful about this feature is that, as primary, it comes before your own personal insurance — possibly saving you expensive premium jumps and claims on your policy.

Other cards that include powerful travel insurance protection such as interruption, cancellation or baggage coverage include The Platinum Card® from American Express and the Chase Sapphire Reserve® card. Terms apply.

» Learn more: The cheapest flights to Europe on points

It makes sense to purchase travel insurance in many circumstances, especially with the uncertainty in today’s travel world. Take advantage of these five tips to make sure you’re properly prepared for your trip — whether you’re heading to France, Finland or any of the over two dozen Schengen countries.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

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: Wells Fargo Autograph℠ 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 Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance from reputed global insurers for travel in the new normal.

Travelling from*

*Please select Travelling from country

• South Korea
• Afghanistan
• Aland Islands
• Antigua Barbuda
• Ascension and Tristan da Cunha
• Bosnia & Herzegovina
• Burkina Faso
• Cape Verde Islands
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• Lithuania (E-Resident card)
• Lithuania TRP and National Visa
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Travelling to*

*Please select Travelling to country

• Schengen countries
• Faroe Iceland
• Falkland Islands

By clicking 'Get Now,' I agree to the terms and conditions & understand that my personal data may be shared with VFS Global insurance partners.

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 at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage.

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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Health Insurance for Visitor Visa 600 - What You Need to Know

Health insurance.

Are you planning a trip to the Land Down Under? Whether you're visiting family, exploring the unbelievable landscapes, handling business matters, or just looking forward to cuddling a koala, the Visitor Visa 600 is your ticket to experiencing everything Australia has to offer. Before you go and pack your bags, there's one important thing to consider; Visitor Visa 600 health insurance.

Access to health insurance for Visitor Visa 600 isn't just a formality - it safeguards you against any unexpected healthcare expenses during your stay in Australia. We know the concept of insurance can get a little bit confusing, so today we'll be covering all the essentials like the types of coverage you need to find the right plan for your stay.

Visitor Visa 600: An overview

The Visitor Visa 600 has been set up with different options to suit various reasons for visiting Australia. Depending on what you're planning to do while you're here, you may need:

The tourist stream

The tourist stream is all about holiday vibes. This will apply to you if you're seeing the sights, visiting friends and family, and just kicking back and taking it easy. Depending on your plans, you can generally stay for up to 12 months. As you'll be in Australia for leisure, you'll need to demonstrate you have access to enough funds to support your lifestyle and that you have plans to head home before your visa's expiry date.

The family-sponsored stream

If you're coming to Australia to visit close family and they're willing to sponsor you, this is the stream for you. Having a sponsor to back you up adds extra weight to your application as it gives the Government extra confidence you'll abide by your visa conditions - such as leaving the country on time. In some cases, the sponsor will put up a bond (security deposit) to guarantee the process runs smoothly.

The business visitor stream

If your short trip Down Under revolves around business, such as for meetings, conferences, or to negotiate an important deal, this stream applies to you. Typically, you'll be allowed to stay in Australia for up to three months. It's important to understand that while you're most certainly allowed to conduct business-related activities, you are not permitted to work in the sense of taking up a job here or selling goods directly to the public. In a nutshell, the visa allows you to handle business matters, but not to engage in work in the same way a local would.

Why health insurance matters

When you’re heading to Australia, it's important to be prepared for whatever lies ahead. It's no surprise that medical expenses can be pretty expensive, and without health insurance for Visitor Visa 600, even a minor incident can hit your wallet hard. Whether it's an unexpected trip to the hospital or a consultation with a doctor, the right insurance cover means you won't be left with a huge bill that puts a dampener on your holiday.

And it's not even all about finances. Having health insurance provides security and peace of mind. If something does happen to go wrong, you'll be able to get the care you need without a second thought. And of course, let's face it, navigating healthcare in a whole new country sounds like a lot of hard work. Having the safety net already organised can really take the pressure off.

At HIF, we get it. Our Overseas Visitor Health Cover (OVHC) plan is simple and affordable. It covers all of the essentials like hospital visits, GP appointments, and emergency care, so you'll receive second-to-none care should any issues pop up during your visit to Australia. Don't worry, managing your insurance is a breeze thanks to our online member portal.

Health insurance options and coverage details

While the Medicare system is in place in Australia, unless you're from a country with a reciprocal healthcare agreement, you won't be eligible. Even if you are from one of those places, your cover will be limited to the bare essentials in a public hospital.

When it comes to health insurance for Visitor Visa 600 holders, where you can access treatment in a private hospital and choose your own doctor, there are a few key options available. One of the most popular types that may be best for you is Overseas Visitor Health Cover (OVHC). This type of insurance is specifically crafted for people on visitor visas and covers a range of healthcare services.

What does OVHC cover?

OVHC is designed to provide peace of mind for a whole range of healthcare needs while you're in Australia. Here's a look at what you can typically expect:

• Coverage for both public and private hospital stays, depending on your plan
• Access to urgent medical care in case of accidents or sudden illness
• Regular check-ups and consultations with a general practitioner

Optional extras and comprehensive plans

If you have particular health needs or simply want to be more prepared, you might want to think about opting for a more comprehensive plan. These plans may offer a range of additional extras, such as:

• Dental care
• Optical services, including eye examinations and glasses
• Physiotherapy and chiropractic care
• Prescription medications

Quality of care and benefits with HIF

Partnering with HIF for your health insurance needs provides access to an extensive network of trusted healthcare providers.

You'll not only receive quality care wherever you are in Australia, but you'll benefit from our easy-to-use member portal allowing you to manage your policy, make a claim, and access your key information anytime, anywhere.

This convenience, combined with comprehensive coverage makes our OVHC plan the perfect health insurance option for Visitor Visa 600 holders.

Waiting periods, policy terms, and choosing the right plan

It's important to understand how waiting periods, policy terms, and plan options can affect your coverage. Here's what you need to know:

Waiting periods

When it comes to selecting health insurance for Visitor Visa 600, understanding waiting periods is key. Essentially, this is the period you'll need to hold your policy before you can claim benefits.

At HIF, the waiting periods that apply to our OVHC plan are:

• Emergency Ambulance: 1 day
• Non-Emergency Ambulance: 30 days
• Rehabilitation (regardless of whether or not the condition is pre-existing): 2 months
• All treatment related to a pre-existing condition: 12 months
• All other treatments: No waiting period

It's important to keep in mind that the waiting periods are effective from your arrival into Australia.

The perfect plan for you, at HIF

At HIF, we pride ourselves on our affordable yet comprehensive Visitor Saver plan. It offers essential hospital cover for non-working visa holders, including services like hospital stays and ambulance transport, with the option to add Extras Cover for additional services like dental and optical care.

FAQs about health insurance for Visitor Visa 600

When it comes to health insurance for visitor visa 600, it can all seem a little confusing. Here are answers to some of the most frequently asked questions on the subject.

Can you get Medicare on a visitor visa?

Medicare is generally unavailable for Visitor Visa 600 holders unless you live in a country with a reciprocal healthcare agreement. Even if that's the case, your cover will be limited to the bare necessities of medical treatments in the public system. It's in your best interests to arrange health insurance cover for your stay in Australia.

How do reciprocal healthcare agreements affect my need for insurance?

Reciprocal healthcare agreements could cover some of your medical expenses in public hospitals, however, arranging health insurance for Visitor Visa 600 provides a higher level of protection. You'll receive access to a range of additional services and private hospitals not covered by Medicare.

Does a visitor visa 600 need health insurance?

It depends on your visa requirements. For peace of mind though, having access to health insurance for Visitor Visa 600 is highly recommended. You'll be protected against any incidental medical costs during your time in Australia.

Do I need health insurance if I’m visiting Australia for just a few months?

Yes, even for short-term visits to Australia, one should consider health insurance for subclass 600 visas. This can help you avoid any significant and unexpected out-of-pocket expenses. Medicare may not cover the full scope of your needs (if at all).

What does OVHC typically cover?

OVHC, which stands for Overseas Visitor Health Cover, is specifically designed for people visiting Australia on certain visas - including 600. It typically covers hospital visits, emergency services, and consultations with a GP. You may also be able to access optional extras like optical and dental. Overall, this cover is designed to ensure you have access to healthcare services during your time here.

Are there any exclusions or waiting periods I should be aware of?

Yes, certain waiting periods and exclusions will apply to health insurance for Visitor Visa 600-holders. It's a good idea to review the policy terms thoroughly to gain an understanding of what is and isn't covered - particularly if you have any pre-existing conditions.

Which health insurance is best for visitors to Australia?

The best health insurance for Visitor Visa 600-holders will depend on specific needs, however, HIF's OVHC plan is widely preferred for its comprehensive coverage, user-friendly member portal, and speedy issuance of visa compliance documentation.

Need to find the best health insurance for Visitor Visa 600?

Securing health insurance for your Visitor Visa 600 isn't just about ticking a box but ensuring total peace of mind. We all know that accidents can happen when you least expect it, but with the right coverage, you can enjoy your time here knowing you're protected against any unplanned medical expenses.

Rather than aimlessly search for phrases such as "cheap visitor visa 600 health insurance", why not explore HIF’s tailored Overseas Visitors Health Cover insurance plan today and get a quote for the coverage you need? If you have any questions about overseas health cover for Visa 600, reach out to the friendly HIF Health Insurance team today. Here's to a worry-free stay in Australia!

Please note: Kirsty's blog is general advice only. For further information on this topic please consult your healthcare professional.

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