| Important definitions |
Advantages |
Disadvantages |
| travel Travel health insurance USA plans |
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Fixed benefit US travel insurance: These plans have specific benefit limits for different medical expenses. These limits are not the same as the plan medical maximum. |
These plans do not have any sub-limits to get visitor coverage for specific medical conditions. This is the cheapest travel insurance but with basic coverage. |
These plans have a restricted visitor coverage, and is limited to specific ailments or illness. |
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Comprehensive travel insurance USA: These plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance) |
Cost depends mainly on age of traveler. Comprehensive travel insurance paying up to the policy maximum |
More Expensive than fixed benefits |
| luggage Pre-existing conditions coverage |
Acute Onset of a Pre-Existing Condition ungroup
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The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
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If the insured person is diagnosed with a disease or medical condition, this visitors coverage is very important. |
Most expensive for full pre-existing conditions coverage, and cheapest where pre-existing conditions is not covered at all. |
Full Pre-existing Conditions
Coverage ungroup
- Full Pre-Existing coverage, covers all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
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| cached Renewability |
| Travelers can renew their existing policy online. Extension of insurance policy should be done before the expiry date. |
Visitors need to stay on the same policy without break in coverage |
Some plans are not renewable. Here a new policy should be purchased and existing ailments are considered pre-existing and may not be covered. |
| apartment Provider Network |
| A Provider network (PPO) is a network of participating providers like hospitals and doctors, that are affiliated with the insurance company. Most insurance plans have nationwide PPO network. |
The billing by hospitals is lower within a PPO network. PPO also offer more services like vision, dental or prescription drugs when compared to Non PPO plans. |
PPO network might not be in the hospital which you would like to visit |
| pregnancy Maternity |
| Some US visitors need medical insurance for maternity. A few visitors insurance plans and some student medical insurance plans offer limited coverage for maternity. |
This covers complications of pregnancy and new born care. |
Some plans cover new born care up to 31 days only |
| description Different type of Visas with some specific insurance requirements |
| J1 visa holders need insurance according to US authority requirements. F1 visa holders are usually mandated by Universities to have students insurance. Schengen visa insurance is needed while applying for Schengen visa. |
In the USA and other countries health care is very expensive and hence visa health insurance is mandatory. |
You need to select a policy that aligns with the intended length of your stay if not you need to extended the policy or need to buy new policy. |
| travel US citizens traveling outside USA |
| Travel Medical Insurance |
Focus on the health of the traveler |
No coverage for the vacation related expenses. |
| Trip cancellation insurance |
Designed to cover the entire cost of the trip |
Coverage also vacation related expenses. Higher cost than travel medical insurance. |
| hiking Adventure sports
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| Some travel medical insurance plans offer adventure sports coverage for activities such as bungee jumping, skydiving, or wildlife safaris |
These plans involve a high level of risk these can be covered |
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