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Visitor Insurance calculateur

A 30-day visit for two guests aged 60-69 on a comprehensive plan with a $250 deductible costs about $386 — computed as $7/day × 30 days × 2 visitors × 0.92 deductible factor. What that premium buys: an ER visit that bills $2,750 uninsured costs you $750, a 2-day admission of $18,000 costs $3,800, and a $25,000 appendectomy costs $5,200. The same surgery on a fixed-benefit plan leaves you $24,550 out of pocket — it pays only $450 from its fixed schedule — and with no insurance at all the hospital bills every dollar. The takeaway: comprehensive at $4-8/day is the only real insurance — a $120-240 per-visitor premium against a $15,000-35,000 surgery bill — while fixed plans are better than nothing but cap payouts at $50-150/day of care.

Comprehensive premium — 2 visitors × 30 days$386
ER visit — uninsured$2,750
ER visit — with comprehensive$750
2-day admission — uninsured$18,000
2-day admission — with comprehensive$3,800
Appendectomy — fixed-benefit plan (pays only $450)$24,550
Appendectomy — with comprehensive (uninsured: $25,000)$5,200
VerdictComprehensive visitor insurance at $4-8/day is the only real insurance — a $120-240 per-visitor premium against a $15,000-35,000 appendectomy bill; fixed-benefit plans are better than nothing but cap payouts at $50-150/day of care.

Entrées

Visitor age band (oldest traveler)

60-69: Rates step up as insurers price the risk: fixed $2-4/day, comprehensive $5-10/day (modeled $3 / $7). Most comprehensive plans still accept this band, with an acute-onset pre-existing rider available.

Coverage tier

Comprehensive: The only real insurance: pays 70-100% of covered costs after the deductible (modeled 80%). After a $250 deductible, a $25,000 appendectomy costs you about $5,200 — not $25,000. COVID and flu are covered on most comprehensive plans.

Stay length: 30 days (7-180)
Visitors covered

2 visitor(s) × 30 days — each visitor gets their own policy

Deductible

Higher deductible = cheaper premium: modeled $0 → full price, $100 → −4%, $250 → −8%, $500 → −14%. The deductible is also what you pay first on every comprehensive claim.

Pre-existing conditions

No acute-onset rider — Plans for seniors 70+ usually exclude pre-existing conditions outright; acute-onset coverage exists on some comprehensive plans only, and an undeclared condition (diabetes, hypertension, a past stent) is the #1 reason visitor-insurance claims get denied — declare it and pay the rider.

Default scenario: 2 visitors 60-69 · comprehensive · 30 days · $250 deductible — edit inputs
Expected visitor-insurance premium for this trip · 2026 bands
$386
for 2 visitor(s) × 30 days — about $6.44 per visitor/day
≈ 1,449 SAR (pegged rate)
Formula: $7/day × 30 days × 2 visitor(s) × 0.92 deductible factor.
Emergency-room visit — typical bill $1,500-4,000
Uninsured — the full bill is yours$2,750
Fixed-benefit plan — pays only $150$2,600
Comprehensive (80% after $250 deductible) ★$750
2-day hospital admission — typical bill $10,000-30,000
Uninsured — the full bill is yours$18,000
Fixed-benefit plan — pays only $300$17,700
Comprehensive (80% after $250 deductible) ★$3,800
Appendectomy (surgery) — typical bill $15,000-35,000
Uninsured — the full bill is yours$25,000
Fixed-benefit plan — pays only $450$24,550
Comprehensive (80% after $250 deductible) ★$5,200
Coverage verdict

With comprehensive: a $386 premium + a worst-case $5,200 out-of-pocket = $5,586 all-in, against $25,000 uninsured for the same appendectomy (surgery). The fixed plan pays just $450 and leaves you $24,550 — better than nothing, but not real insurance.

Comprehensive visitor insurance at $4-8/day is the only real insurance — a $120-240 per-visitor premium against a $15,000-35,000 appendectomy bill; fixed-benefit plans are better than nothing but cap payouts at $50-150/day of care.

Tip: urgent care first — not the ER

Stitches, sprains, fevers and flu belong at an urgent-care clinic ($150-300 a visit). The ER charges $1,500-4,000 for the same flu — using the ER for minor care is the fastest way to burn even a good policy.

Warning: pre-existing conditions — declare everything

Plans for seniors 70+ usually exclude pre-existing conditions outright; acute-onset coverage exists on some comprehensive plans only, and an undeclared condition (diabetes, hypertension, a past stent) is the #1 reason visitor-insurance claims get denied — declare it and pay the rider.

Bands are 2026 planning ranges — not quotes: get a real quote from the insurer before you buy, since prices vary by exact age, destination, policy maximum and each plan's terms.

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Erreurs fréquentes

  • Budgétiser avec des moyennes de haute saison.

  • Ignorer les délais d’obtention du visa avant de réserver.

FAQ

What happens if a visiting parent lands in a US emergency room with no insurance?

The hospital is legally required (EMTALA) to examine and stabilize any emergency regardless of ability to pay — but stabilizing is not full treatment, and once the emergency passes the full bill arrives in their name: $1,500-4,000 for an ordinary ER visit, $5,000-15,000 per hospital day, $15,000-35,000 for an appendectomy. The bill does not vanish: it accrues to the visitor or chases the inviter, unpaid balances can go to collection agencies, and unpaid medical debt can complicate future visa applications.

Fixed-benefit vs comprehensive visitor insurance — what is the actual difference?

A fixed-benefit plan pays a fixed schedule per service — about $50-150 for an ER day, say — and everything above the schedule is yours: on a $2,750 ER visit the plan may pay $150. A comprehensive plan pays a share of the actual cost (70-100% after the deductible, typically 80%), so after a $250 deductible a $25,000 appendectomy costs you about $5,200 instead of $24,850 on the fixed plan. The rule: comprehensive at $4-8/day is the only real insurance; fixed is merely better than nothing.

How do visitor plans treat pre-existing conditions?

Two regimes: outright exclusion — the default on senior 70+ plans, where nothing is paid for any complication of an existing condition — or "acute onset of pre-existing condition" coverage, a rider mostly on comprehensive plans and mostly under 70, adding roughly a third to the premium. Either way, full disclosure is what keeps coverage valid: undeclared diabetes, hypertension or a cardiac stent is the #1 reason claims are denied, and insurers cross-check medical records at the first claim.

Which insurers are the mainstream names to buy from?

The established specialist names in this market are long-running visitor-insurance providers such as IMG, Seven Corners and WorldTrips, alongside other US underwriters. Buy from the underwriter directly or a well-known comparison platform, and check the AM Best financial-strength rating of the underwriting company before paying. Avoid ultra-cheap plans from unknown resellers: they usually mean a low benefit schedule or buried exclusions, and you discover that on the day you file a claim.

Does the insurance cover the flight home if things go wrong?

Good comprehensive plans usually include medical evacuation — moving the patient to their home country or a suitable hospital — within the policy maximum, and some add trip interruption or a companion ticket. But read the wording: some plans pay evacuation only "to the nearest adequate facility," not "to your home country," and repatriation of remains carries its own separate limit. If an early return is a real scenario for your family, pick a plan that names evacuation explicitly and check its cap.

Urgent care versus the ER — how different is the cost?

Often tenfold: an urgent-care clinic charges $150-300 a visit and handles stitches, sprains, fevers, flu and chest infections, while the ER bills $1,500-4,000 for the same complaints — and the ER "facility fee" alone is charged before any treatment. The rule to teach every visitor: the ER is for chest pain, breathing trouble, fractures, bleeding and loss of consciousness only; almost everything else belongs at urgent care or a clinic.

How does the claims paperwork actually work?

Two paths. If you pay upfront at an out-of-network hospital, you file the claim yourself within a set window (often 90 days) using the insurer's form plus the itemized hospital bill, the doctor's report and proof of payment — collect every document the day of discharge. The advance payment is reimbursed after your deductible and share are deducted, and processing takes weeks. Golden rules: photograph every page, track the claim number, and do not let the visitor leave the US before the claim is closed or someone is assigned to chase it.

When should I buy visitor insurance — can it be bought after arrival?

Buy before departure and anchor it to the departure date. Most plans allow mid-trip purchase, but coverage then starts after a waiting period (typically 15 days for non-acute conditions, longer for seniors), and anything presenting itself during the wait stays excluded. Buying early also gives a clean coverage history without gaps that can be interpreted against you. Extensions are possible before the policy ends with no gap, but a condition that began in the first period does not always carry into the extended period — read the extension clause before relying on it.

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