What Is Visitor Insurance And Do I Need It? Here’s What It Actually Covers

Happy Traveler

Health is important, whether you are traveling or chilling at home. Everyone needs protection against harmful things that occur unpredictably. People and businesses buy various insurance policies to safeguard against such unforeseen events.

Some of the most common types of insurance people might know are health insurance, freight insurance, medical insurance, health insurance, and the list goes on. While some policies provide protection against dangerous sea waves, others safeguard people’s health against several diseases. However, many people are unaware of a particular type of insurance, known as visitor insurance.

Visitor insurance is a type of insurance that covers the insured person’s medical expenses when they are exposed to an injury or illness during an international trip. In other words, when a person travels from their home country to another country and faces an injury or unforeseen event, they can get their claims covered under this insurance.

Visitor insurance has become more popular nowadays with the rise of the tourism industry. However, this insurance type has gained rapid pace in the USA due to high medical costs and treatment tensions.

Many people find it challenging to find an authentic visitor and travel medical insurance provider, and they often deal with fake providers. But, platforms like Visitorsguru.com are ideal for purchasing visitor insurance as they are affordable and are proven to deliver excellent customer service. 

What Does A Full-Fledged Visitor Insurance Cover?

Typical visitor insurance will primarily cover any type of new illness or injury of the insured while on their trip and the certificate is in effect. You should read the insurance plans policy and brochure to get the complete details of covered benefits and exclusions. Below are some of the benefits covered by some popular plans. Covered benefits differ from plan to plan.

  • Illness or injury suffered during the Period of Coverage that is eligible for medical expenses as per the policy.
  • Accident Death and Dismemberment.
  • Emergency medical evacuation
  • Acute onset of pre-existing conditions
  • Trip Interruption is typically covered by comprehensive plans
  • Hospital Indemnity
  • COVID-19 Treatment
  • Urgent Care Clinic
  • Hospital Emergency Room
  • Hospitalization / Room & Board
  • Natural Disaster Evacuation
  • Intensive Care

However, there are various standard policy exclusions unknown to many people. These include preventive care services such as regular health checkups, physical inspection of the illness, and pre-existing conditions.

It also does not cover dental problems, maternity or childbirth-related requirements, eye checkups for buying new eyeglasses, or any previously attained medical issues. These are just a few exclusions and will vary from plan to plan. You need to review the policy document before making the purchase.

Is Visitor Insurance Worth Buying?

People have many doubts and confusion regarding the purchase of visitor insurance. A simple answer to this confusion is that visitor insurance is a key for traveling to the USA without hassle and tension. Therefore, a person definitely needs one to safeguard their USA trip. The following points highlight the need for visitor insurance.

Safeguard Against Unforeseen Circumstances

Nothing happens with prior notice. Any XYZ event can occur anytime without any precautionary warning. An accident can occur during a trip, or an extreme headache can happen due to changing weather.

People cannot predict such events. They are always doubtful whether the USA trip will happen successfully or not due to the chances of such situations. Therefore, to protect against such conditions or events, a person should consider purchasing visitor insurance. It helps protect against dangerous events while traveling to the USA and worldwide.

Cost Saving

American medical care is extravagantly expensive, and an American resident spends extremely high on health and medical care in a year. Suppose a person from another country where the cost of medical care is very low travels to the USA and gets injured without having visitor insurance; in such a case, they might suffer a substantial financial loss.

Therefore, to get the most out of your international trips, spending additional bucks is better than threatening life and then spending more. Visitor insurance can cover enormous illness claims, reaping the insured cost-effectiveness.

No Running Here & There

Once a person lands in an unknown place, they are confused about where to go and what to do. Even after contacting a travel agent, there are chances of complete blackness for travelers. Traveling to a country like the USA without visitor insurance can be risky in such situations.

In case of any medical emergency, a person will have to research various hospitals near them, viewing the cost structure, location, reviews, accessibility, and many other factors. A visitor’s insurance can eliminate the need for all these things. During a trip, the injured person can be taken to the nearest hospital or clinic for a checkup without wasting time.

Most Popular & Trusted Visitor Insurance Policies

  • Patriot America Plus – Comprehensive plan
  • Patriot America Platinum – Comprehensive plan
  • Safe Travels USA Comprehensive – Comprehensive Plan
  • Atlas – Comprehensive plan
  • Visitors Care – Limited plan
  • Patriot International Platinum – Comprehensive plan
  • Atlas Premium Plan – Comprehensive plan
  • Safe Travels International – Comprehensive plan
  • Safe Travels Elite – Limited plan


There are many situations where a visitor’s insurance can help you, especially while planning a trip to the USA. Many external factors lead to diseases and severe conditions while traveling from one city or country to another.

Therefore, decent visitor insurance has become a must while going on an International trip. But, in becoming cost-efficient, people should not forget to research reputed insurance brokers like Visitors Guru to get optimum benefits.

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