International Health Insurance

Traveling abroad is an exciting experience, but many people don’t know their domestic health insurance may provide limited or no coverage when traveling internationally. While no one expects to have a medical emergency, unpredictable illnesses and accidents can happen, and the resulting medical bills can be overwhelming.

Stay covered, stay worry-free: International health insurance for visitors to the USA on K-1 and Tourist B1/B2 visas.

International Health Insurance

Who is this for?

Are you or a family member planning a visit to the United States this summer? With over 75 million international visitors to the U.S. each year, it’s critical for travelers to understand their health insurance options while in the U.S.


Fiancé or K-1

If you are arriving to the USA on a Finance visa, Patriot America Plus, would be your best coverage option as your will not be eligible for an ACA coverage.


International Student

International Students who are visiting the USA on F-1 or J-1 visas can apply to international health insurance with IMG. They can have coverage extended as long as they want.



If you are visiting the USA on a tourist visa, having an International Medical insurance protects your and your family from the unexpected medical expenses.

Frequently Asked Questions


What is an international health insurance plan, and why is it important for visitors to the USA on a K-1 visa or Tourist B1/B2 visa?

An international health insurance plan provides coverage for individuals traveling to the USA on a K-1 visa (fiancé visa) or a Tourist B1/B2 visa. It is crucial for visitors to have health insurance because the cost of medical care in the USA can be extremely high. Having international health insurance offers financial protection and ensures access to quality healthcare services during your stay.


Can visitors on a K-1 visa or Tourist B1/B2 visa purchase international health insurance plans?

Yes, visitors on a K-1 visa or Tourist B1/B2 visa are eligible to purchase international health insurance plans specifically designed for their needs. These plans offer comprehensive medical coverage, including emergency medical expenses, hospitalization, doctor visits, prescription drugs, and more.


What does international health insurance for visitors to the USA typically cover?

International health insurance plans for visitors to the USA typically cover a range of medical services, including hospitalization, emergency medical care, surgical procedures, doctor visits, prescription drugs, laboratory tests, diagnostic imaging, and ambulance services. Some plans may also provide coverage for pre-existing conditions, maternity care, and dental or vision care, depending on the specific policy.


Are pre-existing conditions covered under international health insurance plans for visitors to the USA?

Coverage for pre-existing conditions may vary depending on the insurance provider and the specific plan. Some international health insurance plans may offer limited coverage for pre-existing conditions, while others may exclude them altogether. It is crucial to carefully review the policy details and speak with the insurance provider to understand the extent of coverage for pre-existing conditions


How long can visitors on a K-1 visa or Tourist B1/B2 visa be covered by international health insurance?

International health insurance plans for visitors on a K-1 visa or Tourist B1/B2 visa typically offer coverage for the duration of their stay in the USA. The coverage period can range from a few days to several months or even years, depending on the chosen plan. It is important to select a policy that aligns with the length of your stay to ensure continuous coverage.


Can international health insurance plans for visitors to the USA be customized to meet specific needs?

Yes, many international health insurance plans offer flexibility and allow visitors to customize their coverage based on their specific needs. You can often choose from different levels of coverage, add optional benefits such as dental or vision care, and select deductibles and co-insurance options that suit your preferences and budget.


How do I purchase an international health insurance plan for visitors to the USA?

You can purchase international health insurance plans for visitors to the USA through insurance brokers. Compare plans, and consider factors such as coverage, cost, network of healthcare providers, and customer reviews. Once you have chosen a plan, you can typically apply online, providing the necessary information and making the payment to initiate coverage.


Can international health insurance plans for visitors to the USA be renewed if needed?

Yes, many international health insurance plans offer renewal options, allowing you to extend your coverage if needed. It is important to review the terms and conditions of the plan to understand the renewal process and any potential limitations or requirements.


What documents are required to purchase international health insurance for visitors to the USA?

The specific documentation required may vary depending on the insurance provider. Generally, you will need to provide basic personal information, passport details, visa information (such as K-1 visa or Tourist B1/B2 visa), and information about your travel dates and destination. Some insurance providers may also require additional information or documentation, so it's advisable to check with them directly.


Can I cancel an international health insurance plan for visitors to the USA if my plans change?

Most international health insurance plans offer a cancellation policy that allows you to cancel your coverage under certain circumstances. However, the terms and conditions regarding cancellations, refunds, and any applicable fees may vary. It is essential to review the policy details and consult with the insurance provider to understand the cancellation process and any potential financial implications.

Explore the World Fearlessly with International Health Insurance: Your Passport to Safety and Peace of Mind!

Are you planning an exciting journey across borders or preparing to visit the USA on a tourist visa? Don’t leave home without your ultimate travel companion – International Health Insurance! At Smart Insurance Agents, we’ve got you covered with comprehensive and hassle-free insurance plans designed to keep you safe and sound, no matter where your adventures take you.

Why International Health Insurance Matters:

When you’re miles away from home, the last thing you want is to worry about unexpected medical expenses or navigating unfamiliar healthcare systems. International Health Insurance is your shield against the unexpected, offering a wide array of benefits, including:

1. Global Coverage: From the bustling streets of New York to the serene beaches of Bali, our international health insurance plans provide you with extensive coverage worldwide. No matter where your journey leads, we’ve got your back.

2. Emergency Medical Evacuation: In the event of a serious medical emergency, our insurance plans cover the cost of medical evacuation to the nearest qualified medical facility, ensuring you receive the best care possible.

3. Direct Billing and Cashless Services: With our extensive network of healthcare providers, you can enjoy the convenience of direct billing and cashless services, eliminating the need for upfront payments in most cases.

4. 24/7 Multilingual Support: Don’t let language barriers hinder your access to care. Our dedicated support team is available 24/7, speaking multiple languages, ready to assist you at any time and anywhere.

Tourist Visa Health Insurance: The Gateway to a Worry-Free Vacation:

Visiting the USA on a tourist visa? It’s essential to have the right health insurance during your stay. Many countries, including the USA, require travelers to have adequate health coverage to ensure a seamless and stress-free vacation. Our Tourist Visa Health Insurance offers:

1. Compliance with Visa Requirements: Our insurance plans meet the specific health coverage requirements mandated by the USA for tourists, saving you the hassle of meeting these demands independently.

2. Comprehensive Protection: Whether it’s a minor illness or a sudden injury, our tourist visa health insurance has you covered for a range of medical needs, giving you the freedom to explore without worries.

3. Flexibility and Convenience: Choose from a variety of plans tailored to suit your duration of stay, making it easy to find the perfect fit for your travel itinerary.

Enroll with Smart Insurance Agents Today: Your Global Safety Net Awaits!

Your adventures deserve the best protection available, and that’s precisely what we offer at Smart Insurance Agents. With our international health insurance plans and tourist visa health coverage, you can embrace every moment of your journey with confidence and peace of mind.

Don’t leave your health to chance while exploring the world. Enroll with us today and unlock your passport to safety, ensuring that your global journey is filled with unforgettable moments, not unexpected medical bills. Safe travels!

How it Works?

Finding an international health insurance a piece of cake. Find a plan, choose coverage dates, and your good to go!


Find a Plan

From the many options available.


Customize Your Plan

Choose Deductible, Coverage Dates, and Add-On riders.


Save your Insurance Card

You will receive an email with your insurance card. Save it!

Frequently asked questions

Can I Sign Up For International Insurance at Any Time?

Yes. You will receive your medical insurance certificate by email as soon as you sign up for a plan.

Can I Sign Up My Fiancé Before he/she arrives to the USA?

Yes. We recommend that you purchase a health insurance policy before arrival so the coverage starts day 1.

What Insurance Carrier Offers International Insurance?

These plans are offered by IMG (International Medical Group). The plans have United Healthcare Choice Network in the USA.

Is there a deductible option?

Yes. You will have the option to choose a deductible amount. We recommend choosing no more than $500 deductible. 

Can I Cancel At Any Time?

Yes. You can cancel at any time, Your refund will be prorated to the number of days left uncovered. 

Will I Receive an Insurance Card?

You will receive an email immediately from IMG with your insurance certificate and Insurance cards when you enroll in a plan. You also have the option to order cards by mail. Note that if you reside overseas your cards may take longer by mail, thus the email option is faster.

International Coverage

Purchasing international travel health insurance is a good way to protect yourself against unexpected medical expenses. The cost of medical treatment in a foreign country can be prohibitive without insurance, but you’ll have peace of mind knowing that your expenses are covered by the policy. Fortunately, there are several options available, including a short-term supplemental policy. These policies can pay directly to the hospital for emergency treatment. You may also be able to use them to supplement your current health insurance plan.

You’ll want to compare the costs and coverage of various policies. For instance, long-term travel medical insurance is guaranteed to renew for a specific number of trips. While these policies tend to be cheaper, they are not necessarily as comprehensive. If you’re a frequent traveler, you may want to consider getting multi-trip coverage. The downside to this type of policy is that you won’t be covered if you have U.S. health insurance.

Alternatively, you can buy a supplemental international travel health insurance plan that fills in the gaps of your primary healthcare plan. These plans can even provide primary healthcare. It’s important to note that most travel health insurance policies don’t cover pre-existing conditions. A waiver of this exclusion can help you avoid being denied coverage for treatment for an existing condition. In such a situation, you’ll want to consider getting a separate policy.

What is international health insurance?

International health insurance, also known as global health insurance or expatriate health insurance, is a type of insurance coverage designed to provide medical and healthcare protection for individuals living, working, or traveling abroad. It offers comprehensive health coverage that extends beyond an individual’s home country, ensuring access to medical services and assistance while outside their country of residence.

International health insurance plans typically provide coverage for a wide range of medical expenses, including doctor visits, hospitalization, emergency care, prescription medications, and sometimes even preventive care and wellness services. These plans are designed to address the unique needs of expatriates, global nomads, international travelers, and employees working in foreign countries.

One of the key advantages of international health insurance is that it offers a level of flexibility and portability. It allows individuals to receive medical care from a network of providers worldwide, including access to high-quality medical facilities and specialists. Some plans also offer options for repatriation, emergency medical evacuation, and additional services such as 24/7 multilingual customer support and travel assistance.

International health insurance plans can be tailored to meet specific requirements, such as duration of coverage, geographic coverage area, and level of benefits. They are often renewable annually, and premiums are based on factors like age, location, coverage level, and medical history.

It’s important to carefully review the terms and conditions of international health insurance plans, as coverage may vary between different providers and policies. Consulting with an insurance agent or broker experienced in international health insurance can help individuals choose a plan that suits their specific needs and provides them with the necessary medical coverage and peace of mind while abroad.

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