A job, attending school, becoming a citizen, or visiting overseas relatives - there are multiple reasons why someone might visit the United States either for a quick trip or a short-term stay. In addition to planning the trip itinerary including transportation and lodging, visitors should consider purchasing insurance. Utilizing healthcare in the United States can result in high medical bills. Visitors insurance can help with unexpected costs due to injury or illness. So who exactly needs visitors insurance and what does it cover?