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Visitor Insurance kalkylator

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.

Indata

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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Så fungerar det

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Användningsområden

Planera resan

Få exakta och aktuella siffror för resan i stället för vaga medelvärden.

Jämför destinationer

Väg destinationerna mot varandra innan du bokar flyg eller hotell.

Budgetera innan du bokar

Vet vad vistelsen förväntas kosta så att överraskningar inte spårar resan.

Tips

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    Priserna rör sig med säsongen — kontrollera igen nära dina resedatum.

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    Använd belopp i lokal valuta; kortkurser tillför växlingsavgifter.

  • 3

    Boka i förväg i högsäsong.

Vanliga misstag

  • Att budgetera med högsäsongsmedel.

  • Att ignorera visumhandläggningstiderna innan bokning.

Vanliga frågor

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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