Price index · sampled October 1, 2026
Visitor insurance prices, from real quotes.
270 premiums quoted on October 1, 2026: 240 for one visitor to the USA at 10 ages and 3 trip lengths, and 30 for one US traveler abroad. See the cheapest fixed benefit and comprehensive plan at each age, what a day of cover costs, and how fast the price climbs as travelers get older.
Read this first
These are sample quotes for the stated profiles, not a quote for you. Prices change, and your price depends on your age, dates, citizenship, the plan and the options you choose. Checked October 2026.
- Quotes sampled
- 270
- Sample date
- October 1, 2026
- Ages
- 25 to 85
- Trip lengths
- 30, 90 and 180 days
Method
What we quoted, and when.
- Quote date
- All premiums were requested on October 1, 2026 through Ombrela's comparison engine, the same engine behind our quote pages.
- Start date
- Every policy starts November 2, 2026. A 30 day trip ends December 1, 2026.
- Visitors to the USA
- One traveler visiting the United States, not living in the USA and not yet arrived. Citizenship quoted: India. Coverage area: USA only. Ages 25, 35, 45, 55, 60, 65, 70, 75, 80 and 85. Trips of 30, 90 and 180 days.
- Travel outside the USA
- One US citizen traveling abroad, coverage area international including Europe. Ages 30, 40, 50, 60 and 70. Trips of 15 and 30 days.
- Options
- Each plan was quoted at the standard policy maximum and deductible the quote engine returned for that age. We did not raise or lower them, so maximums differ between plans and are shown next to every price.
- Plans returned (USA)
- Visitors Care (IMG); Safe Travels Elite (Trawick International); Safe Travels USA - Cost Saver (Trawick International); Safe Travels USA (Trawick International); Patriot America Lite (IMG); Patriot America Plus (IMG); Safe Travels USA Comprehensive (Trawick International); Patriot America Platinum (IMG).
- Plans returned (abroad)
- Safe Travels International - Cost Saver (Trawick International); Safe Travels International (Trawick International); Patriot Platinum International (IMG).
- Per day cost
- Premium divided by the number of days in the trip.
Visitors to the USA · 30 days
Lowest premium by age.
The cheapest fixed benefit plan and the cheapest comprehensive plan returned at each age for a 30 day trip. Fixed benefit plans pay set dollar amounts per service; comprehensive plans pay eligible charges after the deductible, up to the maximum. Compare the maximum before comparing the price.
| Age | Lowest fixed benefit | Lowest comprehensive | Comprehensive vs fixed |
|---|---|---|---|
| 25 | $30.90$1.03 per dayVisitors Care · $50,000 maximum · $50 deductible | $39.30$1.31 per daySafe Travels USA - Cost Saver · $50,000 maximum · $250 deductible | 1.3 times |
| 35 | $33.00$1.10 per dayVisitors Care · $50,000 maximum · $50 deductible | $48.30$1.61 per daySafe Travels USA - Cost Saver · $50,000 maximum · $250 deductible | 1.5 times |
| 45 | $36.60$1.22 per dayVisitors Care · $50,000 maximum · $50 deductible | $69.90$2.33 per dayPatriot America Lite · $50,000 maximum · $250 deductible | 1.9 times |
| 55 | $50.70$1.69 per dayVisitors Care · $50,000 maximum · $50 deductible | $117.90$3.93 per daySafe Travels USA - Cost Saver · $50,000 maximum · $250 deductible | 2.3 times |
| 60 | $58.80$1.96 per dayVisitors Care · $50,000 maximum · $50 deductible | $140.10$4.67 per daySafe Travels USA - Cost Saver · $50,000 maximum · $250 deductible | 2.4 times |
| 65 | $58.80$1.96 per dayVisitors Care · $50,000 maximum · $50 deductible | $161.40$5.38 per daySafe Travels USA · $50,000 maximum · $250 deductible | 2.7 times |
| 70 | $105.30$3.51 per daySafe Travels Elite · $50,000 maximum · $100 deductible | $239.10$7.97 per daySafe Travels USA - Cost Saver · $50,000 maximum · $250 deductible | 2.3 times |
| 75 | $105.30$3.51 per daySafe Travels Elite · $50,000 maximum · $100 deductible | $239.10$7.97 per daySafe Travels USA - Cost Saver · $50,000 maximum · $250 deductible | 2.3 times |
| 80 | $146.40$4.88 per dayVisitors Care · $10,000 maximum · $50 deductible | $404.10$13.47 per dayPatriot America Lite · $10,000 maximum · $250 deductible | 2.8 times |
| 85 | $146.40$4.88 per dayVisitors Care · $10,000 maximum · $50 deductible | $404.10$13.47 per dayPatriot America Lite · $10,000 maximum · $250 deductible | 2.8 times |
Visitors to the USA · trip length
Lowest comprehensive premium by trip length.
Every figure is a quoted premium, not an extrapolation. In this sample the per day cost of every plan was the same at 30, 90 and 180 days: premiums rose in exact proportion to trip length, with no discount for longer stays.
| Age | 30 days | 90 days | 180 days |
|---|---|---|---|
| 25 | $39.30$1.31 per day | $117.90$1.31 per day | $235.80$1.31 per day |
| 35 | $48.30$1.61 per day | $144.90$1.61 per day | $289.80$1.61 per day |
| 45 | $69.90$2.33 per day | $209.70$2.33 per day | $419.40$2.33 per day |
| 55 | $117.90$3.93 per day | $353.70$3.93 per day | $707.40$3.93 per day |
| 60 | $140.10$4.67 per day | $420.30$4.67 per day | $840.60$4.67 per day |
| 65 | $161.40$5.38 per day | $484.20$5.38 per day | $968.40$5.38 per day |
| 70 | $239.10$7.97 per day | $717.30$7.97 per day | $1,434.60$7.97 per day |
| 75 | $239.10$7.97 per day | $717.30$7.97 per day | $1,434.60$7.97 per day |
| 80 | $404.10$13.47 per day | $1,212.30$13.47 per day | $2,424.60$13.47 per day |
| 85 | $404.10$13.47 per day | $1,212.30$13.47 per day | $2,424.60$13.47 per day |
How price rises with age
Age is the biggest lever.
- The lowest comprehensive premium for a 30 day trip was $39.30 at age 25 and $404.10 at age 85: 10 times as much.
- The steepest step between sampled ages was from 75 to 80, +69%.
- The lowest comprehensive premium did not change between ages 70 and 75 and 80 and 85, which suggests those ages share a rating band.
- The lowest fixed benefit premium rose more slowly, to 4.7 times the age 25 price by age 85.
- At ages 80 and 85, some plans were only quoted with maximums as low as $10,000, so the cheapest price can come with much less cover.
- 25$39.30 · 1.00x
- 35$48.30 · 1.23x · +23%
- 45$69.90 · 1.78x · +45%
- 55$117.90 · 3.00x · +69%
- 60$140.10 · 3.56x · +19%
- 65$161.40 · 4.11x · +15%
- 70$239.10 · 6.08x · +48%
- 75$239.10 · 6.08x · +0%
- 80$404.10 · 10.28x · +69%
- 85$404.10 · 10.28x · +0%
- 25$30.90 · 1.00x
- 35$33.00 · 1.07x · +7%
- 45$36.60 · 1.18x · +11%
- 55$50.70 · 1.64x · +39%
- 60$58.80 · 1.90x · +16%
- 65$58.80 · 1.90x · +0%
- 70$105.30 · 3.41x · +79%
- 75$105.30 · 3.41x · +0%
- 80$146.40 · 4.74x · +39%
- 85$146.40 · 4.74x · +0%
What drives price
Beyond age, four things to check.
01 · POLICY MAXIMUM
At ages 25, 35, 45, 55, 60 and 65, the cheapest comprehensive plan quoted at a $1,000,000 maximum cost 2.1 to 2.6 times the cheapest one at $50,000. Those are different plans, so the gap also pays for other benefits, not only the higher maximum.
02 · DEDUCTIBLE
Fixed benefit plans in this sample came with deductibles of $0, $50 and $100; comprehensive plans with $250. No plan was quoted at two deductibles for the same age and trip, so this index cannot measure how much a higher deductible saves. A higher deductible generally lowers the premium and raises your share of a claim.
03 · ACUTE ONSET OF PRE EXISTING CONDITIONS
Some visitor plans pay for a sudden, unexpected flare up of a known condition up to a stated limit, while excluding its ongoing treatment. The sample does not record which plans include that benefit or its limit, so it is not priced here. For older travelers it is often the deciding detail: read the plan wording. See the glossary.
04 · TRIP LENGTH
Premiums scaled exactly with days in this sample, so a 180 day stay cost 6 times a 30 day stay on every plan. Buy for the dates you need.
Lowest comprehensive premium by policy maximum, 30 days
| Age | $10,000 | $20,000 | $50,000 | $100,000 | $1,000,000 |
|---|---|---|---|---|---|
| 25 | Not quoted | Not quoted | $39.30Safe Travels USA - Cost Saver | Not quoted | $96.90Patriot America Platinum |
| 35 | Not quoted | Not quoted | $48.30Safe Travels USA - Cost Saver | Not quoted | $100.80Patriot America Platinum |
| 45 | Not quoted | Not quoted | $69.90Patriot America Lite | Not quoted | $147.00Patriot America Platinum |
| 55 | Not quoted | Not quoted | $117.90Safe Travels USA - Cost Saver | Not quoted | $242.10Patriot America Platinum |
| 60 | Not quoted | Not quoted | $140.10Safe Travels USA - Cost Saver | Not quoted | $365.10Patriot America Platinum |
| 65 | Not quoted | Not quoted | $161.40Safe Travels USA | Not quoted | $408.30Patriot America Platinum |
| 70 | Not quoted | Not quoted | $239.10Safe Travels USA - Cost Saver | $621.90Patriot America Platinum | Not quoted |
| 75 | Not quoted | Not quoted | $239.10Safe Travels USA - Cost Saver | $621.90Patriot America Platinum | Not quoted |
| 80 | $404.10Patriot America Lite | $1,021.20Safe Travels USA Comprehensive | $678.30Safe Travels USA - Cost Saver | Not quoted | Not quoted |
| 85 | $404.10Patriot America Lite | $1,021.20Safe Travels USA Comprehensive | $678.30Safe Travels USA - Cost Saver | Not quoted | Not quoted |
Travel outside the USA
US travelers going abroad.
One US citizen traveling abroad, coverage area international including Europe. Only comprehensive plans were returned for this profile. Here too, premiums rose in exact proportion to trip length.
| Age | Lowest comprehensive · 15 days | Lowest comprehensive · 30 days |
|---|---|---|
| 30 | $21.30$1.42 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible | $42.60$1.42 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible |
| 40 | $36.75$2.45 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible | $73.50$2.45 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible |
| 50 | $63.75$4.25 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible | $127.50$4.25 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible |
| 60 | $79.80$5.32 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible | $159.60$5.32 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible |
| 70 | $154.35$10.29 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible | $308.70$10.29 per daySafe Travels International - Cost Saver · $50,000 maximum · $250 deductible |
Download and reuse
Every quote, one file.
The CSV has one row per quoted plan: 270 rows covering both profiles, every age and every trip length. Columns: market, age, trip days, coverage start, coverage end, citizenship quoted, coverage area, plan, plan type, administrator, policy maximum usd, deductible usd, premium usd, premium per day usd, sampled at.
You may cite or reuse these figures with credit to Ombrela, a link to this page and the sample date (October 1, 2026). Present them as sample quotes for the stated profiles, not as a price any traveler will pay.
Download the CSVSource: quotes requested through Ombrela's comparison engine on October 1, 2026. Page checked October 2026. Spot an error? Tell our team.
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