The United States offers some of the best healthcare, car, and travel protection services in the world, but they often come with a high price tag. If you’re a foreigner visiting, studying, or working in the USA, having the right insurance in place is not just wise, it’s often required.
In this article, we’ll be looking at the best insurance options in the USA for foreigners in 2025, what types of coverage are available, and frequently asked questions to help you choose the right plan for your stay.
Why Do Foreigners Need Insurance in the USA?
Whether you’re staying short-term or long-term, insurance protects you from high medical costs, legal risks, or accidents. Here’s why it’s important:
- Healthcare is expensive: A single hospital visit can cost thousands without insurance.
- Visa requirements: Many visa types (like F1 or J1) require proof of valid health insurance.
- Peace of mind: Insurance ensures that emergencies don’t turn into financial disasters.
- Driving in the USA: You need car insurance if you plan to drive, even as a visitor.
Types of Insurance A Foreigner Might Need in the USA
- Health Insurance: For medical expenses, emergencies, and doctor visits.
- Travel Insurance: For trip cancellations, lost luggage, and emergency care.
- Student Insurance: Specifically designed for international students studying in the USA.
- Visitor Insurance: Temporary coverage for tourists and short-term stays.
- Auto Insurance: Required if you rent or drive a car in the USA.
- Expat Insurance: Long-term coverage for foreign residents or remote workers.
Best USA Insurance Providers for Foreigners in 2025
1. IMG Global (International Medical Group)
- Best For: Tourists, expats, students.
- Key Features: Customizable plans, 24/7 support, coverage in and outside the USA.
- Popular Plans: Patriot America Plus, Global Medical Insurance.
2. VisitorsCoverage
- Best For: Tourists and short-term visitors.
- Key Features: Easy online purchase, multilingual support, instant policy download.
- Popular Plans: Safe Travels USA Comprehensive, Atlas America.
3. Seven Corners
- Best For: Families, groups, students.
- Key Features: Emergency coverage, COVID-19 protection, flexible duration.
- Popular Plans: Liaison Travel Plus, Inbound USA.
4. Cigna Global
- Best For: Expats and long-term foreign residents.
- Key Features: Access to a global network of hospitals and U.S.-based care.
- Popular Plans: Silver, Gold, Platinum international plans.
5. International Student Insurance (ISI)
- Best For: F1, J1, and M1 visa students.
- Key Features: Complies with U.S. school requirements, budget-friendly plans.
- Popular Plans: Student Secure Elite, Budget, and Select.
6. Aetna International
- Best For: High-end expats and global professionals.
- Key Features: Premium services, wellness benefits, U.S.-compliant care.
7. Allianz Travel Insurance
- Best For: Short-term visits and business trips.
- Key Features: Trip protection, medical coverage, lost luggage, and 24/7 travel support.
How to Choose the Right USA Insurance as a Foreigner
- Check Visa Requirements: Some U.S. visas require a minimum insurance coverage.
- Compare Plans: Look for deductibles, coverage limits, and what’s included/excluded.
- Look for Emergency Support: Choose plans with multilingual and 24/7 assistance.
- Read Reviews: Consider ratings from other international users.
- Know Your Length of Stay: Some plans are better for short stays, others for long-term.
FAQs About USA Insurance for Foreigners:
- Can I buy health insurance in the USA without a U.S. Social Security Number? Yes. Most international visitor plans do not require a SSN. You only need a passport and visa.
- Is U.S. health insurance mandatory for tourists? No, but it’s highly recommended. Healthcare costs are extremely high in the U.S.
- What’s the best insurance for international students in the USA? Student Secure from ISI and Patriot Exchange from IMG are top-rated in 2025.
- Can I use travel insurance for medical treatment in the USA? Yes, if it includes medical coverage. Always verify that emergency medical treatment is included.
- Can I get car insurance as a foreigner in the USA? Yes, companies like GEICO, Progressive, and State Farm may cover international drivers with proper documentation.
If you’re a foreigner planning to stay in the USA in 2025, getting the right insurance coverage is one of the smartest decisions you can make. With providers like IMG Global, VisitorsCoverage, and Seven Corners, you can access affordable, high-quality insurance that protects your health, safety, and wallet during your time in the U.S.
Don’t take risks in a country where healthcare and legal costs are high. Get insured and travel smart.