Health Insurance for Visitors

If you are planning to travel to the United States for any reason in the future, you should know that health insurance for visitors to the U.S. is often different from your usual plan. While your insurance plan covers you inside the borders of your country, that coverage typically does not extend to cover you when you travel abroad, so health insurance for visitors to the U.S. is very important. Accidents happen no matter where you are, and getting caught abroad without health insurance can turn an already expensive trip into one loaded with pricey medical bills.

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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Atlas Travel® insurance from HCC Medical Insurance Services (HCCMIS) can cover you while you visit the U.S., regardless of whether you are traveling as an adventurer or vacationer, visiting family, or headed out for a business trip. Traveling outside your country gives you an opportunity to experience things you will never find at home. However, the cost of health care can be very expensive in the United States. Health insurance for visitors should be considered as a precaution for anyone traveling to the U.S. from another country.

In order to be issued some U.S. visas, you are required to have health insurance for your trip, though this is not the case for all visas. Make sure to verify if your U.S. visa requires proof of health insurance by visiting the U.S. Department of State's website. In any case, having insurance on your trip should be a priority. Even if you are covered at home, that coverage probably does not stay with you when you travel abroad. You never know when an illness will strike, or when you might have an accident. Being without insurance in a foreign country can be very scary. Health insurance for visitors to the U.S. can be the difference in whether or not you have a fun trip.

Atlas America insurance from HCC Medical Insurance Services (HCCMIS), can provide you with coverage you may need when traveling abroad. Having a travel health insurance like Atlas America can make a huge difference in whether or not you can relax enough to have an enjoyable trip.

Atlas Travel Insurance is a Health Insurance for Visitors Option

  • Pre-existing Conditions: With Atlas Travel insurance, you have up to $100,000 coverage for the acute onset of a pre-existing condition if you seek treatment within 24 hours of a sudden and unexpected reoccurrence.
  • Out-Patient Hospital Services: Atlas covers emergency room treatment for eligible injuries, illnesses, diagnostic testing, and physical therapy.
  • Lost Luggage: If your airline or cruise line loses your baggage, HCCMIS will pay up to $250 for the replacement of clothes and personal hygiene items.
  • Client Zone: The Client Zone allows you to control and manage your account. You can view pre-trip destination information, search the provider networks, print new ID cards, and extend your policy.

If you aren't sure how health insurance for visitors like Atlas America works, visit our Atlas America insurance guide to review some frequently asked questions about using insurance and understanding healthcare in the US.

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Visitor Visa Application Tips

Getting health insurance for visitors is not the only step in your trip planning process! Nearly any country you travel to outside of yours requires that you obtain a visitor visa. There are different types of visas depending on the type of trip you are taking, but all visas require paperwork and have requirements you have to meet in order to get one. Getting a visitor visa can take some time. Make sure you start the process of getting your visitor visa well before you plan to leave for the U.S.

When applying for your visitor visa, you will probably need to do some research ahead of time. The requirements for getting a visitor visa are not always straightforward, and you want to have extra time in case something is done incorrectly. Make sure you understand the process ahead of time so you can take the process step by step, and do it in the correct order. Here are a few things you need to know when applying for your visitor visa.

Visa Application Tips

  • Fill out and submit Form DS-160
  • Have a valid passport.
  • Know the dates of your trip.
  • Schedule a visa interview
  • Know how you will support yourself
  • Pay the visa fees

Fill out and submit Form DS-160.

Form DS-160 is an application for a non-immigrant visas and it can be completed online. This is the type of visa you will need if visiting for a short period of time. Filling out this form will be your first step in starting your visa application process. On the form, you will provide basic information about yourself that consulate officers will need to move you through the visa application process.

Have a valid passport.

You need a passport to get into most countries outside of your own. Passports expire, and yours usually has to be valid for at least six months after you plan to return home. This means you have to know the dates of your trip before you fill out Form DS-160, so your passport will be valid after you return home.

Know the dates of your trip.

Planning ahead is always a good idea, but you need to know the specific dates of your trip to make sure your visa will be valid, and you need to know the dates of your trip for Form DS-160. So plan ahead and know the dates you plan to leave and when you plan to return. Many non-immigrant visas require a specific date of departure.

Schedule a visa interview.

In the visa interview, the consular officer will ask you questions about your trip to the United States. This will include your reason for traveling and maybe about some of your activities while you are there. Answer any questions honestly. Providing accurate information will expedite the process. Lying about your trip will mean you will not get your visa.

Know how you will support yourself.

Funding your trip and supporting yourself while you are abroad are important, so you need to know how you will accomplish that well ahead of your visa interview and eventual departure date. The consular officer will want to know the answer to this question, and will also require some sort of documentation to prove it. You may be taking out loans, or you may already have part-time work arranged for you, but in either case, have proof of financial support that you can show to the consular officer.

Pay the visa fees.

Unfortunately, a visa is not free. There are two fees that you have to pay. The first is a visa application fee, which you will pay when you submit Form DS-160. Depending on the specific visitor visa you need, you will pay between 160 and 190 U.S. dollars, though in some cases you may pay more than that. If you have completed the process and successfully receive a visa, then you must also pay the visa issuance fee. This fee is based on the type of visa and the country you are from.

Staying Safe on Your Trip

If you are unfamiliar with the U.S., there are a number of precautions you can take to help ensure that you stay safe during your trip. Traveling in a foreign place can be intimidating, but if you are prepared, you are much more likely to enjoy your stay. Whether your trip is for business, adventure, or just rest and relaxation, following these tips can make your trip safe.

Plan your trip.

There is always room for some unplanned adventures on a business trip, but having a good plan ahead of time can make sure you are always where you need to be, and that you do not get lost. Create a plan, and share it with someone at home, so someone else knows where you are supposed to be at what time.

Pack appropriately.

Knowing what to pack for your trip can be difficult, but a little research goes a long way. Check the weather and climate of the place you will be traveling, and pack accordingly. If it is going to be cold, pack sweaters and a heavy coat to keep you from catching a cold. Even if it is supposed to be warm, pack a jacket or a long-sleeved shirt, because weather can be unpredictable.

Practice hygiene.

You will likely be around a lot of other people on your trip, and you may meet and have conversations with them. Make sure you wash your hands, or carry hand sanitizer with you to keep your hands free of germs. Bring any medication you need with you, and drink plenty of water to stay hydrated.

A safe, healthy trip begins with good planning before you leave, and before you apply for your visitor visa. Secure your visa, and remember that health insurance for visitors to the U.S. is affordable and can help make your visit much more relaxing. It could also save you a lot of money in the case of an accident or illness. Do plenty of research before you leave. Be safe and have fun!

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Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group 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 Tokio Marine HCC – International Group.