Health insurance for tourists in the United States: What is the best option in 2026?

Traveling to the United States without medical coverage can create a serious financial risk. Healthcare costs in the U.S. are among the highest in the world, and even a short emergency room visit can cost thousands of dollars. A health insurance plan for tourists helps cover emergency care, hospitalization, and medical evacuation if necessary.

In 2026, the U.S. does not require mandatory health insurance for tourists entering with a B1/B2 visa or ESTA authorization. However, given the high cost of private healthcare, having adequate coverage is strongly recommended.

Compare health insurance plans allows travelers to review policy limits, deductibles, and exclusions before purchasing.

Top 4 health insurance options for tourists in the United States (Updated 2026)

Choosing the best travel medical insurance for the U.S. depends on your length of stay, age, and required coverage limits. These providers are among the most reliable for U.S. travel.

1. Sanitas

Offers international health insurance policies that include coverage in the United States.

• Broad medical coverage
• Access to private hospitals
• 24/7 assistance
• Options with no copay

A solid choice for short-term stays in major U.S. cities.

2. InterMundial

Specializes in international travel medical insurance.

• High medical coverage limits
• Coverage tailored for U.S. healthcare costs
• Immediate emergency assistance
• Flexible plan durations

Highly recommended for destinations with expensive healthcare systems.

3. IATI Seguros

Known for balanced pricing and comprehensive coverage.

• Overseas medical assistance
• Medical repatriation included
• Coverage in multiple U.S. states
• Multilingual support

Suitable for leisure trips, family travel, or short-term visits.

4. ARAG

Combines medical coverage with legal protection.

• International medical assistance
• Personal liability coverage
• Legal defense support
• Strong travel insurance experience

Ideal for travelers seeking additional protection beyond medical care.

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Is health insurance mandatory for tourists in the United States?

The United States does not generally require proof of health insurance for tourist entry.

However, immigration officers may request proof of sufficient financial means to cover your stay.

Even though it is not mandatory, medical treatment in the U.S. must be paid upfront if you do not have insurance, and hospital bills can easily exceed $10,000 for serious conditions.

How does healthcare work for tourists in the U.S.?

The U.S. healthcare system is primarily private and insurance-based.

Tourists who visit an emergency room (ER) without insurance will receive treatment, but they will be billed directly for all services provided.

For this reason, a travel medical insurance policy for the United States should include high coverage limits, hospitalization, emergency services, and medical evacuation.

Essential coverage for tourists visiting the United States

Before purchasing a policy, it is critical to review coverage limits and deductibles.

Basic Coverage:

1. 24/7 emergency medical assistance
2. Hospitalization and surgery
3. Emergency room visits
4. Medical evacuation or repatriation
5. Prescription medications for emergencies

Recommended Coverage:

• Coverage limits of at least $100,000 USD
• Low or no deductible options
• Personal liability coverage
• Trip interruption due to medical reasons

Low coverage limits may not be sufficient in the U.S., where healthcare expenses are significantly higher than in most countries.

Benefits of purchasing health insurance for travel to the United States

Having the right policy provides clear advantages:

• Protection against extremely high medical bills
• Access to private hospitals and specialists
• Immediate emergency assistance
• Nationwide coverage across U.S. states
• Peace of mind during your stay

Travel medical insurance in the United States is not just recommended — it is a financial safeguard.

How to choose the best option in 2026?

The best plan depends on your trip duration, age, planned activities, and required coverage limits.

There is no single best health insurance policy for tourists, only the one that best matches your specific needs.

Carefully reviewing deductibles, exclusions, and maximum coverage amounts is essential before purchasing.

Before making a final decision, use a health insurance comparison tool to evaluate available options and travel to the United States with confidence and security.