Top Travel Health Insurance USA
Choosing the right plan for travel health insurance USA that suit your needs can be abit daunting, especially as a novice. For this reason we have taken the time to select the top 10 travel health insurance USA for with varying features for you to choose from.
When traveling abroad, one of the most important things to consider is travel health insurance. Whether you are traveling for business or pleasure, visitor insurance or travel health insurance provides financial protection for unexpected medical emergencies that may arise while traveling, such as accidents or illnesses.
For those planning to visit the USA, securing the right travel health insurance USA plan is crucial. Our visitors health coverage marketplace offers specialized travel health insurance plans tailored to meet the healthcare standards and requirements in the USA, ensuring that travelers can enjoy their visit with confidence and security.
Our travel health insurance options for the USA provide comprehensive coverage suited for any trip to the United States to protect you against unforeseen medical events abroad.
With a wide variety of travel insurance plans available, we can help you find the coverage you need to have a worry-free trip. Explore the different travel health insurance plans available below and learn more about how they can ensure your peace of mind while traveling.
Top 10 Travel Health Insurance USA List
1. CoverAmerica-Gold®
Comprehensive Coverage
Underwriter: Sirius Specialty Insurance Corporation
Best for: Visitors to the USA
In Network:100% up to policy maximum.
Out of Network: 80% of first $5,000, 100% thereafter.
Direct Billing: via PPO United Healthcare PPO Network
Benefits:
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter.
Acute Onset of Pre-Existing Condition Coverage
US Border Entry Protection
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Eye Exam Coverage
Emergency Dental Coverage
Prescriptions/Medication
Quarantine Indemnity
Influenza (flu) shot
Free cancellations
Extensions at no extra fee
Optional add-on benefits (3 available)
COVID-19 Coverage: Included
COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
Pre-Existing Conditions: No Coverage
2. ChoiceAmerica®
Limited Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for: Budget plan; Limited Pre-existing Conditions
In Network: Pays fixed amount.
Out of Network: Pays fixed amount.
Direct Billing: via PPO First Health PPO Network
Benefits:
After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
Pre-Existing Condition Coverage: Optional Pre-Existing Rider
US Border Entry Protection
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Eye Exam Coverage: Optional Vision Rider
Emergency Dental Coverage: Optional Dental Rider
Prescriptions/Medication
Influenza (flu) Vaccination
Optional Adventure Sports Rider
Optional add-on benefits (3 available)
COVID-19 Coverage
3. Atlas America
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for: Visitors to the USA
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
Direct Billing: via PPO United Healthcare PPO Network
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
Benefits:
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Dental Coverage
Emergency Eye Exam Coverage
Prescriptions/Medication
Trip Interruption
Trip Delay
Optional add-on benefits (3 available)
COVID-19 Coverage: Included
Pre-Existing Conditions: No Coverage
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
Base PL Coverage Additional PL Coverage Available Total PL Coverage Amount
$10,000 $90,000 $100,000
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
Base CR Coverage Additional CR Coverage Available Total CR Coverage Amount
$10,000 $90,000 $100,000
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
Base AD&D Coverage Additional AD&D Coverage Available Total AD&D Coverage Amount
$25,000 $25,000 $50,000
4. Atlas International
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for: Worldwide
100% up to policy maximum.
Direct Billing: Depends on provider. No PPO network.
Benefits:
After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Eye Exam Coverage
Emergency Dental Coverage
Prescriptions/Medication
Trip Interruption
Trip Delay
Optional add-on benefits (3 available)
COVID-19 Coverage: Included
Pre-Existing Conditions: No Coverage
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
Base PL Coverage Additional PL Coverage Available Total PL Coverage Amount
$10,000 $90,000 $100,000
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
Base CR Coverage Additional CR Coverage Available Total CR Coverage Amount
$10,000 $90,000 $100,000
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
Base AD&D Coverage Additional AD&D Coverage Available Total AD&D Coverage Amount
$25,000 $25,000 $50,000
5. Safe Travels USA Comprehensive
Comprehensive Coverage
Underwriter: Zurich Insurance Europe AG Belgian branch
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
Direct Billing: via PPO United Healthcare PPO Network
Benefits
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network.
Outside of the PPO network, after the deductible, plan pays 100% of eligible medical expenses
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Dental Coverage
Prescriptions/Medication
Emergency Medical Treatment of Pregnancy
Optional add-on benefits (3 available)
COVID-19 Coverage: Included
Pre-Existing Conditions: No Coverage
Accidental Death and Disability Upgrade
Basic AD&D coverage is already included in your policy. Choose an option here if you'd like to upgrade your AD&D coverage limits.
Sports Activity Coverage
Covers participation in archery, tennis, swimming, cross-country, track, volleyball, golf, ballet, baseball, basketball, cheerleading, equestrian, fencing, gymnastics, polo, rowing, soccer, and softball.
Please note: Coverage excludes collision sports, extreme sports, and any sport not explicitly listed above. Professional and semi-professional sports are never covered.
6. Atlas America Premium
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for: Visitors to the USA
In Network: 100% up to policy maximum.
Out of Network: 100% up to policy maximum.
Direct Billing: via PPO United Healthcare PPO Network
Benefits:
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Dental Coverage
Emergency Eye Exam Coverage
Prescriptions/Medication
Quarantine Indemnity
Trip Interruption
Trip Delay
Lost Checked Luggage
COVID-19 Coverage: Included
No optional add-on benefits available
7. Atlas International Premium
Comprehensive CoverageComprehensive CoverageA.M. Best Rating: A
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for: Worldwide
100% up to policy maximum.
Direct Billing: Depends on provider. No PPO network.
Benefits:
After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Eye Exam
Emergency Dental Coverage
Prescriptions/Medication
Quarantine Indemnity
Trip Interruption
Trip Delay
Lost Checked Luggage
COVID-19 Coverage: Included
No optional add-on benefits available
Pre-Existing Conditions: No Coverage
8. Atlas Essential America
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for: Visitors to the USA
In Network: 70% up to policy maximum.
Out of Network: URC up to policy maximum.
Direct Billing: via PPO United Healthcare PPO Network
Benefits:
After the deductible, plan pays 70% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays URC of eligible medical expenses up to the policy maximum
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Dental Coverage
Prescriptions/Medication
COVID-19 Coverage: Included
No optional add-on benefits available
Pre-Existing Conditions: No Coverage
9. Atlas Essential International
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for: Worldwide
100% URC up to policy maximum.
Direct Billing: Depends on provider. No PPO network.
Benefits:
After the deductible, plan pays 100% of the URC of eligible medical expenses up to the policy maximum
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Dental Coverage
Prescriptions/Medication
COVID-19 Coverage: Included
No optional add-on benefits available
Pre-Existing Conditions: No Coverage
10. Safe Travels International - Cost Saver
Comprehensive Coverage
Underwriter: Zurich Insurance Europe AG Belgian branch
Best for: Worldwide
80% of first $5,000, 100% thereafter.
Direct Billing: Depends on provider. No PPO network.
Benefits:
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Dental Coverage
Prescriptions/Medication
Emergency Medical Treatment of Pregnancy
Trip Delay
No optional add-on benefits available
Pre-Existing Conditions: No Coverage
COVID-19 Coverage: Excluded