Travel Insurance for USA from Pakistan: A Family Guide

If your parents are travelling from Pakistan to visit you in the United States, the insurance that matters is a US visitor medical plan with a policy maximum large enough for American hospital bills. Many travel policies sold in Pakistan cap medical expenses at a level one short US hospital stay can exhaust. Plans administered by IMG, Trawick International and WorldTrips accept residents of Pakistan, with benefits that change at ages 65, 70 and 80.

Key facts at a glance

• The United States does not legally require B-2 visitors to carry health insurance, so the choice of coverage, and the bill if there is none, rests with your family.
• Jubilee General's International ViaCare Multi-Purpose plan covers travel anywhere except Schengen States with US$10,000 for medical expenses and hospitalization, for ages 18 to 65 online, according to Jubilee's website.
• US hospitals spent $548.5 billion on 32.9 million inpatient stays in 2022, about $16,700 per stay on average, according to AHRQ's Healthcare Cost and Utilization Project.
• The US Embassy in Islamabad conducts immigrant and nonimmigrant visa interviews, and the Consulate General in Karachi conducts nonimmigrant interviews only, according to the embassy's website.
• As of September 2026, Pakistan is not among the countries whose visitor visas are suspended under Presidential Proclamation 10998; confirm on the embassy website before booking.
• None of the US visitor plans Ombrela compares list Pakistan as an excluded home country, according to the plan catalog.

How much does travel insurance for USA from Pakistan cost?

US visitor plans are priced in US dollars. The premium depends on each traveler's age, the number of days, the policy maximum and the deductible, and it rises most steeply for travelers in their seventies and eighties. The amount charged in rupees then depends on the exchange rate on the day of payment and your card issuer's fees for international transactions.

A local policy quoted in rupees often looks far lower, but you are comparing different products. A plan with a US$10,000 limit is priced for a very different level of risk than a plan with a US$100,000 or higher limit. Compare the price per dollar of cover, not just the headline figure. The live quote is the only reliable number, because it reflects the exact ages and dates you enter.

Why is a policy bought in Pakistan often not enough for the US?

Many local policies are designed around visa requirements or travel to regions where care costs less. Jubilee's Multi-Purpose plan, for example, provides US$10,000 for medical expenses and hospitalization and sells online only up to age 65, with a 92 day stay limit in its published premium table. Against an average US hospital cost of about $16,700 per stay, before the markups an uninsured visitor is billed, that limit can be gone before discharge.

US visitor plans are built for this market. Atlas America, for example, offers maximums from $50,000 to $2,000,000 for travelers under 65, and several comprehensive plans use large US provider networks. Use our medical cost estimator to see what an emergency visit or admission can cost in the city your parents will stay in.

What travel health insurance for USA from Pakistan works for older parents?

Age changes the options more than anything else. These rules come from WorldTrips' published Atlas America benefits and the plan catalog Ombrela uses:

• Atlas America: ages 14 days to 99; overall maximum of $50,000 or $100,000 from 65 to 79 and $10,000 at 80 and above; acute onset coverage only under 80.
• Safe Travels USA Comprehensive: ages 1 to 89; acute onset to the policy maximum at 69 and below, up to $35,000 from 70 to 79 and up to $20,000 from 80.
• Patriot Plus and Patriot Platinum: ages 14 days to 99; no acute onset coverage from 70; Patriot Plus limits travelers over 80 to $10,000.
• VisitorSecure: a fixed benefit plan; for travelers over 65 coming to the US, coverage must begin within 30 days of arrival.

For parents over 80, the policy maximum shrinks on most plans, so a plan that still includes acute onset coverage at that age deserves a close look. Our guide to visitor insurance for parents over 70 goes deeper into those tradeoffs.

Will the plan cover diabetes, blood pressure or heart conditions?

Not for ongoing care. Every visitor plan Ombrela compares excludes pre-existing conditions, which means routine checkups, insulin or tablet refills, and gradual worsening of a known condition are not covered. What some plans do cover is a sudden, unexpected flare that needs urgent treatment, called acute onset. The limits vary by plan and age, as the list above shows.

Practical steps help. Bring a doctor's letter listing diagnoses and medicines, carry enough medication for the entire visit plus a margin, and keep prescriptions with generic names. Our article on pre-existing conditions and visitor insurance explains how claims are reviewed.

Do Pakistani visitors need insurance for the visa interview?

No. US law does not make health insurance a condition of a B-2 visitor visa, and the embassy's visa pages do not list it as a required document. Interviews for visitor visas take place at the Embassy in Islamabad and the Consulate General in Karachi, and applicants are asked to book in their country of residence or nationality.

You can buy the policy after the visa is issued, once dates are fixed. Set the start date to the departure day, so the flight and the first hours after landing are covered.

What should the first week in the US look like medically?

The first days after a long flight can be demanding for older travelers. Before your parents land, save the plan ID card on your phone, find the nearest in network urgent care and emergency room, and note which pharmacy is closest. Use urgent care for minor illness and the emergency room for chest pain, breathing difficulty, stroke symptoms or serious injury.

To organize all of this, download our free Parents from Pakistan Visit Checklist below. It covers the visa appointment documents, a side by side of local and US plan limits, a quote log by age, medication and prescription copies, a first week medical plan and US emergency contacts.

How to get covered

Enter each parent's age, the travel dates and Pakistan as the home country on the visitor insurance quote page. Choose comprehensive plans, pick a policy maximum that fits their age band, and check the acute onset line for each parent. If you are unsure where to start, the plan finder narrows the list in a few questions.

Frequently Asked Questions

Can my parents buy US visitor insurance after they arrive?

Many plans allow purchase after arrival, including Atlas America, Patriot Plus and Patriot Platinum, according to the plan catalog. Coverage only begins on the effective date, though, and nothing that happens earlier is covered. VisitorSecure requires travelers over 65 to start coverage within 30 days of arrival. Buying before departure is the clearest way to avoid a gap on the flight and first days.

Will US hospitals accept a policy bought in Pakistan?

US hospitals with emergency departments must screen and stabilize emergency patients regardless of insurance, but they bill the patient. A local policy may reimburse you later, up to its limit, which for Jubilee's Multi-Purpose plan is US$10,000. US visitor plans with PPO networks are more likely to work directly with the hospital. Either way, the family is responsible for any amount above the policy maximum.

What policy maximum should we choose for parents over 70?

Choose the highest maximum the plan offers at that age that fits your budget. Atlas America, for example, offers $50,000 or $100,000 between 65 and 79 and only $10,000 from 80. Given that an average US hospital stay costs hospitals about $16,700 before markups, a lower maximum leaves little room for surgery, intensive care or a longer admission.

Can I pay the premium in Pakistani rupees?

US visitor plans are priced and charged in US dollars. You can usually pay with an international debit or credit card, and your bank converts the charge into rupees at its own rate, sometimes with extra fees. Ask your bank about international transaction limits before you check out, especially for a long stay premium paid in one charge.

When the visa is in hand and dates are set, compare visitor plans on Ombrela and give your parents coverage that matches what American care actually costs.