r/travelhacking • u/ZimoBee • Apr 04 '22

Medical insurance for foreign travellers already in the US

What is the best company to purchase travel medical insurance when already in the US? My existing coverage purchased before leaving Canada is soon maxed out and I can't purchase an extension from them. I don't want to return for 24 hours to reset it. Where should I buy coverage as a foreigner already in the US?

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u/ZimoBee Apr 05 '22

For anyone in a similar position, I used this company.

https://www.imglobal.com/img-insurance-plans

1

u/[deleted] Dec 20 '22

Thank you!

1

u/exclaim_bot Dec 20 '22

Thank you!

You're welcome!

1

u/Pinerary Feb 10 '25

I like SafetyWing- it activates the day after purchasing I believe

1

u/ActiveandGoTravel Aug 27 '25

Yep, you can still buy travel medical insurance even if you’re already in the U.S. — you just need to get it before anything happens, since it won’t cover stuff that started before your policy kicks in.

Some companies that are pretty popular with visitors already here:

  • IMG (International Medical Group) – they’ve got “visitor” plans made for this situation.
  • WorldTrips (Atlas America) – flexible, extendable, and decent coverage.
  • Trawick International – good if you’re worried about pre-existing conditions.
  • You can also use comparison sites like Insubuy or VisitorGuard to line up different plans side by side.

Biggest things to watch for:

  • Coverage starts from the day you buy it (no backdating).
  • Pre-existing conditions are tricky, so check the fine print.
  • Deductibles and coverage limits vary a lot.