ChoiceAmerica® is a low-cost travel medical insurance plan with fixed, pre-defined benefit limits for each medical service, so you know exactly what's covered before you travel. The plan works with the First Health PPO network — one of the largest provider networks in the US — but policyholders are free to visit any doctor or hospital they choose.
ChoiceAmerica includes a unique US Border Entry Protection benefit (up to $550), which helps reimburse eligible travel costs if a traveler is denied entry into the United States due to immigration-related issues — a benefit rarely found in visitor insurance plans.
ChoiceAmerica is available to non-US citizens and non-US residents traveling to the United States, Canada, and Mexico. The plan is underwritten by SiriusPoint Specialty Insurance Corporation, part of SiriusPoint Ltd. (NYSE: SPNT), a global specialty insurer, and is offered exclusively through VisitorsCoverage.
ChoiceAmerica is designed for non-US citizens and non-US permanent residents visiting the United States, including: parents and relatives visiting family in the US, tourists and vacationers, business travelers, and B1/B2 visa holders. The plan covers travel within the United States, Canada, and Mexico.
Low-Cost, Fixed-Benefit Plan
COVID-19 Medical Coverage
First Health PPO Network Access
Optional Pre-Existing Conditions Coverage
US Border Entry Protection — up to $550 if entry to the US is denied
Optional Dental & Vision Coverage
Covers Cruises & Loss of Passport
Flu (Influenza) Vaccination Benefit
Yes. ChoiceAmerica treats COVID-19 like any other covered illness if it is contracted after your policy start date. The plan covers COVID-19 medical treatment, physician-ordered COVID-19 testing, and repatriation of remains.
ChoiceAmerica is available in three fixed-benefit options — Plan A, Plan B, and Plan C — which share the same core benefits but differ in coverage limits for hospitalization, surgery, ER visits, and lab work. Plan C offers the highest limits; Plan A is the most budget-friendly, with overall coverage maximums of $50,000 (Plan A), $100,000 (Plan B), and $150,000 (Plan C). All three plans also include the US Border Entry Protection benefit and emergency medical evacuation coverage.
| Plan A | Plan B | Plan C | |
|---|---|---|---|
| Doctor / Physician Visit | $75 per visit, 10 visits max | $90 per visit, 10 visits max | $130 per visit, 10 visits max |
| Urgent Care | $75 per visit, 10 visits max | $90 per visit, 10 visits max | $130 per visit, 10 visits max |
| Surgical Treatment | $4,000 per surgical session | $4,500 per surgical session | $8,000 per surgical session |
| Prescription Drugs / Medicines | Up to $350 per certificate period | Up to $350 per certificate period | Up to $350 per certificate period |
| Lab & X-rays | $1,000 per certificate period | $1,250 per certificate period | $1,500 per certificate period |
| Physical Therapy | $60 per visit per day, 15 visits max | $60 per visit per day, 15 visits max | $60 per visit per day, 15 visits max |
| Plan A | Plan B | Plan C | |
|---|---|---|---|
| Hospital Room | $1,400 per day / 30 days max | $2,000 per day / 30 days max | $3,000 per day / 25 days max |
| Surgical Treatment | Up to $4,000 per surgical session | Up to $6,000 per surgical session | Up to $7,500 per surgical session |
| Plan A | Plan B | Plan C | |
|---|---|---|---|
| Ambulance Expenses | Up to $650 | Up to $650 | Up to $650 |
| Emergency Room(ER) | Up to $400 per visit | Up to $600 per visit | Up to $800 per visit |
| Plan A | Plan B | Plan C | |
|---|---|---|---|
| Acute, spontaneous and unexpected pain |
Optional coverage with additional premium1 exam: Up to $100; Tooth Removal: Up to $200 per certificate period |
Optional coverage with additional premium1 exam: Up to $100; Tooth Removal: Up to $200 per certificate period |
Optional coverage with additional premium1 exam: Up to $100; Tooth Removal: Up to $200 per certificate period |
| Accidental emergency |
Included benefit (not part of the optional Dental & Vision rider)Up to $700 per certificate period |
Included benefit (not part of the optional Dental & Vision rider)Up to $700 per certificate period |
Included benefit (not part of the optional Dental & Vision rider)Up to $700 per certificate period |
| Plan A | Plan B | Plan C | |
|---|---|---|---|
| US Border Entry Protection | Up to $550 | Up to $550 | Up to $550 |
| Emergency Medical Evacuation / Repatriation | Up to $50,000 | Up to $50,000 | Up to $100,000 |
| Return of Remains | Up to $7,500 | Up to $7,500 | Up to $7,500 |
| Return of Minor Child(ren) | Not Available | Not Available | Not Available |
| Trip Interruption | Not Available | Not Available | Not Available |
| Loss of Checked Baggage | Not Available | Not Available | Not Available |
| Plan A | Plan B | Plan C | |
|---|---|---|---|
| AD&D | Not Available | Not Available | Not Available |
| Common Carrier Accidental Death | Up to $5,000 per insured and max $25,000 per family | Up to $5,000 per insured and max $25,000 per family | Up to $5,000 per insured and max $25,000 per family |
| Plan A | Plan B | Plan C | |
|---|---|---|---|
| Pre-Existing Conditions |
Optional coverage with additional premiumAdditional Deductible: $50 per incidentPhysician Visit: $150 per visit/ 3 visits max Lab work & X-ray: $1,000 Emergency Room & Hospitalization: $1,500 Prescription Drugs: $100 |
Optional coverage with additional premiumAdditional Deductible: $50 per incidentPhysician Visit: $150 per visit/ 3 visits max Lab work & X-ray: $1,000 Emergency Room & Hospitalization: $1,500 Prescription Drugs: $100 |
Optional coverage with additional premiumAdditional Deductible: $50 per incidentPhysician Visit: $150 per visit/ 3 visits max Lab work & X-ray: $1,000 Emergency Room & Hospitalization: $1,500 Prescription Drugs: $100 |
| Local Burial or Cremation | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Terrorism Coverage | $50,000 per coverage period | $50,000 per coverage period | $50,000 per coverage period |
ChoiceAmerica® is a low-cost, fixed-benefit travel medical insurance plan for non-US citizens and non-US residents visiting the United States. It covers doctor visits, hospitalization, prescriptions, emergency services, and COVID-19, and includes a unique US Border Entry Protection benefit.
ChoiceAmerica is available to non-US citizens and non-US permanent residents traveling to the United States, including visiting parents, tourists, and business travelers. Coverage applies in the United States, Canada, and Mexico.
US Border Entry Protection reimburses eligible costs — up to $550 — if a traveler is denied entry into the United States due to immigration-related issues. This benefit is included in all ChoiceAmerica plans and is rarely offered by other visitor insurance plans.
Yes. ChoiceAmerica covers COVID-19 medical treatment like any other eligible illness if it is contracted after your policy start date, along with physician-ordered COVID-19 testing and repatriation of remains.
Optional pre-existing conditions coverage is available for an additional premium. It includes physician visits ($150 per visit, up to 3 visits), lab work and X-rays up to $1,000, emergency room and hospitalization up to $1,500, and prescriptions up to $100, subject to a $50 additional deductible per incident.
All three plans share the same core benefits, but coverage limits increase from Plan A to Plan C. For example, hospital room coverage is $1,400 per day on Plan A and $2,000 on Plan B (each up to 30 days), and $3,000 per day on Plan C (up to 25 days), and emergency room coverage ranges from $400 to $800. Emergency medical evacuation coverage is up to $50,000 on Plans A and B and up to $100,000 on Plan C.
Yes. ChoiceAmerica works with the First Health PPO network, but policyholders may visit any doctor or hospital of their choice.
ChoiceAmerica includes accidental emergency dental coverage up to $700 per certificate period, and optional dental coverage for acute, unexpected pain is available for an additional premium. Optional vision coverage is also available.
A fixed-benefit (or fixed-coverage) plan pays a set, pre-defined amount for each medical service — for example, $75 per doctor visit. Fixed plans like ChoiceAmerica cost less than comprehensive plans, making them a budget-friendly option for visitors to the US.
ChoiceAmerica is underwritten by SiriusPoint Specialty Insurance Corporation, part of SiriusPoint Ltd. (NYSE: SPNT), a global specialty insurer and reinsurer. The plan is offered exclusively through VisitorsCoverage.
ChoiceAmerica is sold exclusively through VisitorsCoverage. You can get an instant quote, compare Plans A, B, and C, and purchase online at VisitorsCoverage.com.
If you're a licensed insurance agent, travel insurance advisor, or travel content creator, you can grow your revenue by adding ChoiceAmerica to your portfolio. Partner with VisitorsCoverage to reach thousands of travelers searching for US visitor insurance every month.
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Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Please review the policy brochure and plan details for complete and accurate information. Only the terms and conditions of the coverage benefits listed in the policy are binding.
