If you’re planning to study, work, or relocate to the United States in 2025, one thing you absolutely can’t ignore is travel and health insurance. Whether you’re an international student, a visitor, or a new immigrant, unexpected medical costs in the U.S. can be extremely high.
That’s why getting a reliable travel insurance plan isn’t just smart — it’s essential. In this post, we’ll explore the best U.S. travel insurance options for foreigners, students, and new residents in 2025, including what they cover and how to choose the right one for your visa type.
Why You Need Travel Insurance in the U.S.
Healthcare in the United States is among the most advanced — and most expensive — in the world. A simple doctor’s visit can cost over $100, while an emergency hospital stay can easily exceed $10,000.
Travel insurance gives you:
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Medical coverage for accidents or illness.
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Trip protection in case of delays or cancellations.
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Emergency evacuation support if needed.
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24/7 assistance while in the U.S.
Best Travel Insurance Plans for Foreigners & Students in 2025
1. IMG Global – Patriot America Plus
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Best For: Tourists, business travelers, and students on short-term visas.
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Coverage: Up to $1 million, including COVID-19 treatment.
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Highlights: Accepts most visa types (B1/B2, F1, J1).
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Apply: www.imglobal.com
2. Allianz Travel Insurance – OneTrip Premier Plan
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Best For: Long-term travelers and immigrants.
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Coverage: Up to $2 million for medical emergencies and trip protection.
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Highlights: 24-hour multilingual customer service.
3. International Student Insurance (ISI) – Student Secure Plan
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Best For: International students on F1 or J1 visas.
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Coverage: Hospitalization, prescriptions, and mental health services.
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Highlights: Meets all major U.S. university requirements.
4. SafetyWing – Nomad Insurance
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Best For: Digital nomads, freelancers, and long-term travelers.
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Coverage: Worldwide health and travel protection, including the U.S.
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Highlights: Monthly subscription; covers emergencies and travel delays.
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Apply: www.safetywing.com
5. Aetna International – Pioneer Plan
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Best For: Skilled workers and expats relocating to the U.S.
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Coverage: Up to $5 million globally, including maternity and dental.
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Highlights: Premium global network and family coverage options.
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Apply: www.aetnainternational.com
How to Choose the Right U.S. Travel Insurance Plan
When choosing travel insurance for your U.S. trip or stay, consider the following:
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Visa Type Compatibility:
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Students (F1/J1) need policies accepted by universities.
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Workers (H1B/H2B) need employer-verified coverage.
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Coverage Amount:
Choose plans with at least $100,000 medical coverage. -
Network Availability:
Make sure your insurance works with U.S. hospitals and clinics. -
Policy Duration:
Pick a plan that matches your visa or program length.
Common Mistakes to Avoid
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❌ Buying insurance from unknown local vendors.
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❌ Ignoring pre-existing condition exclusions.
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❌ Choosing plans that don’t include emergency evacuation.
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❌ Not verifying if your U.S. school/employer accepts the plan.
Average Cost of U.S. Travel Insurance (2025 Estimate)
| Duration | Type of Traveler | Estimated Cost (USD) |
|---|---|---|
| 2 weeks | Tourist | $40 – $80 |
| 3 months | Student/Intern | $100 – $250 |
| 6–12 months | Worker/Immigrant | $200 – $500 |
Tip: Buying your plan online before traveling to the U.S. can save up to 30% compared to buying on arrival.
Final Thoughts
Having a trusted U.S. travel insurance plan ensures peace of mind and financial protection throughout your stay. Whether you’re a student, worker, or new immigrant, it’s one of the smartest investments you can make in 2025.
Don’t take chances with your health — compare the options above and secure your policy before you land in the U.S.
