🩺 What is The Fixed Benefit vs Comprehensive Travel Health Insurance?
When planning a trip to the United States, it’s crucial to protect yourself with the right US travel health insurance. Before comparing plans, it’s helpful to understand the two main categories of visitor medical insurance Fixed Benefit Plans and Comprehensive Plans. Each offers unique benefits, coverage limits, and pricing structures tailored to different traveler needs.
Before comparing the popular US travel insurance diving into plan types, let’s quickly go over some common terms you’ll encounter when choosing
visitor insurance for the USA:- Premium: The amount you pay to purchase the insurance plan.
- Deductible: The amount you pay out-of-pocket before the insurance starts covering your expenses. This can range from $50 to $2,000 and may apply per injury, sickness, or policy period.
- Co-insurance: The percentage of the remaining bill you share with the insurer after meeting the deductible — often 10%–20%.
- Policy Maximum: The maximum amount the policy will pay for covered expenses during the policy period.
🧾 What Are Fixed Benefit Travel Insurance Plans?
Fixed benefit Travel insurance plans, also called Scheduled Benefit Plans, provide limited but affordable medical coverage. They are ideal for travelers seeking basic, low-cost protection for emergencies.
Unlike comprehensive plans, fixed benefit policies set a predefined dollar limit for each medical service such as doctor visits, hospitalization, or prescription drugs. This means the plan pays a fixed amount regardless of the actual cost incurred.
Key Points:- Cost: Affordable with lower premiums
- Pre-existing conditions coverage: Not all plans offer coverage. Some offer coverage up to a specified limit.
- Recommended for: Budget conscious travelers who only need basic coverage.
- Coverage: Fixed amount per benefit limited or coverage under certain conditions
If your doctor visit costs $250 and your plan pays a fixed $55 per visit, you pay the difference out of pocket. For your first visit, you’d also need to meet your deductible (for example, $50), after which the insurance company contributes the scheduled benefit amount.
These plans typically have policy maximums of $50,000 or $100,000, but individual medical benefits are capped at specific limits rather than paying up to the maximum for every service.
🌍 Popular Fixed Benefit Travel Insurance Plans
Some of the most popular fixed benefit travel insurance plans for visitors to the USA include:
- Visitors Care from IMG
- Visitor Secure from WorldTrips
- Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice from Seven Corners
- Safe Travels Elite from Trawick International
- INF Premier X, INF Premier Plus X and INF Standard X
The plans that provide medical coverage for acute onset of pre existing conditions for people above 70 are, Safe Travels Elite and the INF plans. Visitors Care from IMG provides only $2500 coverage for people above 70 for acute onset of pre existing conditions.
🌐 What Are Comprehensive Travel Insurance Plans?
Comprehensive travel insurance plans offer broader protection and pay for most covered expenses up to the policy maximum. They usually cost more but provide much higher financial protection and flexibility.
These plans include co-insurance, which means the traveler pays a small percentage (typically 10%–20%) of medical costs after the deductible, up to a certain limit. Once that limit is reached, the insurance company pays 100% of the remaining expenses.
If your total medical bill is $1,000 and your deductible is $100 with 20% co-insurance:
Example:- You first pay the $100 deductible.
- On the remaining $900, you pay 20% ($180), and the insurer pays $720.
- After reaching the co-insurance limit (usually around $5,000), the insurer covers 100% of subsequent costs.
- Cost: More Expensive due to extensive coverage
- Pre-existing conditions coverage: Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions
- Recommended for: Travelers who want comprehensive coverage for any medical needs.
- Coverage: Benefits for covered medical expenses up to the plan maximum
💼 Popular Comprehensive US Travel Insurance Plans
Here are some of the top-rated Comprehensive travel insurance plans that offer wide coverage, including options for pre-existing conditions:
- Atlas America: Offers worldwide coverage, including/excluding the US, with coverage for acute onset of pre-existing conditions up to age 79.
- Atlas Premium America: An upgraded version of Atlas Travel with higher benefits and broader coverage.
- Patriot America Lite and Patriot America Plus from IMG : Reliable comprehensive plans; the Plus plan covers acute onset of pre-existing conditions up to age 70.
- Safe Travels USA Comprehensive: Excellent coverage up to age 89 for acute onset of pre-existing conditions.
- Visit USA HealthCare visitors insurance A solid option from USI Travel Insurance Services.
- INF Elite X, INF Elite Plus X, INF Elite 90 X , INF Travel Insurance
Fixed or Scheduled benefits versus Comprehensive Plans
Regardless of the insurance provider visitor's insurance is segregated into two broad categories like Comprehensive and fixed plans.Firstly, let us define what fixed and comprehensive plans are. They work quite differently from each other.
A fixed plan also called scheduled benefits plan is popularly known as fixed, because the insurance company has limits placed on what they will pay for each medical expense and they provide basic coverage.
A Comprehensive offers much more complete coverage. Let me explain using an example. Let's suppose that a person has incurred the following medical expenses: Doctor visit for $350, prescription medications for $160, minor surgery for $1350.
The total expenses are $1,860. Let's give two examples of plans with a $100 deductible and a $50,000 maximum limit.
- The person with the comprehensive plan will pay the deductible of $100.
- After that, assume they have a 10% coinsurance charge, so they will still pay $176 (so a total of $276).
- With a fixed plan, the insurance company will pay only $55 for an office visit, only $100 for prescription medication and up to $3,300 for a surgery.
- That leaves $295 for the office visit, $60 for medication, and $0 for the surgery which totals $355.
- In this example, there is not much disparity between either policy.
- Now imagine that all costs are the same except the surgery costs $15,000.
- In that case, the person with a comprehensive plan will pay only $600 for all expenses ($100 deductible plus 10% of next $5000).
- The person with the fixed plan will now have to pay an additional $11,700 (since the plan will only pay $3,300 for a surgery).
- This gives a total bill of $12,055.
So, the question is: What do you want to insure yourself against: minor medical issues which are more likely (flu) or major events that are unlikely (broken bone)?
- If you decide for a fixed plan, I recommend getting a very high maximum ($100,000 or $130,000 are options).
- As the maximum of the policy is increased, the amount paid for each expense tends to go up (at $100,000 maximum, they pay $5,500 for a surgery, for example).
- Also, with a fixed plan, get as high a deductible as you can ($200 for elderly insureds or $100).
- In either of the above scenarios, the insured would have to pay the same amount regardless of deductible unless you have extremely minor charges.
- Therefore, you can save money on the premium by choosing a higher deductible.
- To save money on the comprehensive plan which is much more costly than a fixed plan, you can increase the deductible quite high ($2,500 or $1,000).
- With such a high deductible, you will most likely have to pay out of pocket for minor complaints like a doctor visit due to flu or stomach complaint.
- However, you would be protected from a devastatingly high medical bill.
For a person over 80 years of age, the only options with at least a $50,000 maximum are fixed plans. In that case, I recommend the Travel Medical USA Visitor Choice. Other than that age group, the type of coverage you want will depend on what you wish to insure yourself against.
What Are the Different Types of US Visitors Travel Insurance?
Fixed Benefit travel insurance
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
The cheapest US travel insurance is Safe Travels Advantage. The other affordable travel insurance for the US are Venbrook Essential from Venbrook International and Visitors Care from IMG. These plans offer basic coverage at lower cost for visitors to USA.
VisitorSecure is an another affordable travel insurance plan designed for international travelers visiting the US. Offers up to $1,000,000 in emergency medical expenses, medical evacuation, and repatriation.
Safe Travels Advantage
Trawick International
$20 Per monthAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$25 Per monthAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
Comprehensive travel insurance
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Best comprehensive visitor insurance plans for the USA
Some of the top recommended best comprehensive plans are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International. These plans are well-suited for travelers to the U.S., offering robust medical coverage along with benefits for the acute onset of pre-existing conditions.
- Policy maximum limits ranges from $10,000 to $1,000,000
- Deductible options $0 to $2,500
- Coverage from 5 days to 12 months
- Covers acute onset of pre-existing conditions
- Policy maximum limits ranges from $10,000 to $2,000,000
- Deductible options $0 to $5,000
- Coverage for 364 days
- Covers acute onset of pre-existing conditions, also includes $25,000 lifetime maximum for emergency medical evacuation
Safe Travels USA Comprehensive
Trawick International
$87 Per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0 to $5,000
- Coverage from 5 days to 364 days
- Covers acute onset of pre-existing conditions coverage up to 100% policy maximum
Other top-rated comprehensive visitor insurance for USA are:
- Patriot America Lite: Cheap short term health insurance plan designed for visitors to the US. It offers coverage for emergency medical treatment and medical evacuation, with coverage limits up to $1,000,000. However, do not include covid coverage and coverage for acute onset of pre-existing conditions.
- Travel Medical Basic: Affordable coverage for emergency medical treatment and medical evacuation during short-term travel to the US. It covers acute onset of pre-existing conditions for visitors aged under 80 years. This plan offers comprehensive travel medical insurance with covid expenses and are recommended for group travelers.
What does visitor travel insurance cover?
Health Care Expenses
Covers doctor visits in case of sudden injury or sickness.
Sports Activities
Some plans cover high school sports activities.
Repat of Remains
Repatriation of remains expenses to home country in case of death.
Dental Coverage
Expenses from sudden dental pain and accidental dental injuries.
Maternity Coverage
Some plans offer coverage for pregnancy, maternity and new born.
Pre-existing Conditions
Student insurance who need coverage for existing medical ailments.
What Does a Fixed Benefit and Comprehensive Travel Insurance Plan Typically Cover?
Fixed benefit (or scheduled benefit) plans pay pre-set amounts for specific medical services. Coverage is usually limited.
- Doctor visits: Fixed payout per visit
- Hospital stays: Capped amount per day
- Emergency room visits: Pre-determined payout
- Diagnostic tests: X-rays, lab tests (fixed amounts)
- Emergency medical evacuation: Sometimes included, usually low limit
- Limited coverage for acute onset of pre-existing conditions (varies by plan)
Comprehensive plans cover actual eligible medical expenses up to the policy limit. They are broader and more protective.
- Hospitalization & surgery
- Doctor and urgent care visits
- Prescription medications
- Emergency room treatment
- Emergency medical evacuation & repatriation
- Acute onset of pre-existing conditions (depending on plan)
- Optional add-ons: maternity, mental health, accidental death, and sometimes trip interruption
How to Choose Fixed vs Comprehensive Visitor Insurance?
- You’re on a tight budget
- You’re generally healthy and low-risk
- Your trip is short (e.g., visits under 1–3 months)
- You’re comfortable paying extra if major care is needed
💡 Best for : Students on short stays, young travelers, budget visitors.
- You want peace of mind
- You’re older or have health concerns
- Your stay is long or unpredictable
- You want broader coverage including emergencies & evacuation
💡 Best for : Elderly visitors, long stays, anyone who wants full protection.
How Much Does Visitor Health Insurance USA Cost?
How Much Is Medical Insurance for Tourists in the US?US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly.
In 2026, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on
- Age of the traveler
- Insurance company
- Type of visitors insurance
- Coverage limits
- Whether pre-existing conditions are covered
Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.
Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.
How Much Does Cheap Visitor Insurance in the USA Cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
How Much Does the Best Comprehensive Visitor Insurance Cost per Month?
The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive.
On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Protect | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Source: American Visitor Insurance®
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How Much Does 6-Month Medical Insurance for Visitors to USA Cost?
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
How Does Low Cost Fixed Benefit Insurance For Visitors to USA Work?
Let us take an example: The medical bill is $25,000; Deductible is $100; and the chosen Policy Maximum is $50,000
The fixed benefit visitor insurance in the USA covers clearly defined amounts for specific medical situations up to the medical maximum coverage (in this example, $50,000). The insured pays the deductible amount ($100), after which the plan pays a fixed sum for each covered treatment as outlined in the policy.
In this example, the insured is responsible for $20,250, which is the difference between the actual billed medical expenses and the fixed amount the insurance plan pays. This simple and predictable payment structure makes fixed benefit health insurance for visitors to the USA an ideal option for budget-conscious international travelers, seniors visiting the USA, and anyone seeking affordable travel medical insurance in the USA.
| Expense | Billed | Insurance pays | You Pay |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Hospital Stay (for 3 days) | $6,000 | $1,450 | $4,550 |
| Surgery | $17,000 | $3,300 | $13,700 |
| Prescription Drugs | $800 | $150 | $650 |
| Diagnostic X-rays & Lab Services | $1,700 | $450 | $1,250 |
| Total: | $25,600 | $5,350 | $20,250 |
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
How Does Comprehensive Benefit Travel Insurance Work?
Let us take an example: The medical bill is $25,000; Deductible is $100; and the chosen Policy Maximum is $50,000
Below is a simple calculation showing how much the plan/insurance company pays you:
- Subtract the deductible from claims amount - $26,500 minus $500 equals $26,000. Insured bears $500
- Apply 100% coinsurance
- Plan/insurance company pays: $26,500 minus $500 equals $26,000 and insured bears $500
| Expense | Billed | Insurance pays | You Pay |
|---|---|---|---|
| Deductible | $500 | $0 | $500 |
| Days in hospital | $3,000/day for 2 days | $6,000 | $0 |
| Surgery | $18,000 | $18,000 | $0 |
| Prescription Drugs | $600 | $600 | $0 |
| X Ray | $1,400 | $1,400 | $0 |
| Total: | $26,500 | $26,000 | $500 |
Which Plan is Best for Older Visitors Insurance?
Comprehensive visitor insurance is generally the best choice for older travelers because it:
- Covers actual medical expenses
- Offers higher maximum limits
- Reduces out-of-pocket risk
- Often includes emergency evacuation
- May offer limited coverage for acute onset of pre-existing conditions
Fixed benefit plans are riskier for seniors due to capped payouts.
Is Comprehensive Insurance Better Than Fixed Benefit?
Yes, comprehensive insurance is better than fixed benefit plans, especially if you want true financial protection while visiting the U.S.
Why Comprehensive Is Usually Better- Pays actual eligible medical costs — not just fixed amounts
- Higher coverage limits — important for serious emergencies
- Covers hospitalization, surgery, and more
- Often includes emergency medical evacuation
- Less out-of-pocket risk
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Visitor Medical Insurance - FAQ's
1. What travel insurance covers the USA?
US Travel insurance plans for coverage can be purchased online at American Visitor Insurance to get a medical and travel insurance cover in the United States. International travel insurance provides coverage for unexpected medical emergencies during the travel period.
Travel insurance is particularly important during the Covid19 pandemic for safe travel to the US. American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. For more details travelers can call the customer service or email and the team will be glad to help.
2. Can Comprehensive Plans Cover Acute Onset of Pre-Existing Conditions?
Yes, many plans cover sudden flare-ups for older travelers.
3. Can I still get travel insurance for the USA?
Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy.
4. Can a non-US citizen get medical insurance?
Yes, if the traveler is a non US citizen and needs medical insurance it can be purchased. The US travel insurance cover can provide the traveler with the medical coverage required.
5. What is the difference between comprehensive and fixed benefit visitors insurance?
Comprehensive visitors insurance coverage offer more extensive coverage than fixed benefit visitors insurance, also known as limited coverage plans. Comprehensive travel health insurance are more flexible and provide coverage for a wider range of situations. They usually include basic travel protection, as well as coverage for natural disasters, personal accidents, and third-party liability. On the other hand, fixed benefit travel health insurance offer limited coverage and are cost-efficient. They usually provide basic travel protection and are ideal for those who are looking for a budget-friendly option.
6. Which Plan Is Better for Long-Term Visitors?
Comprehensive insurance is generally safer for elderly visitors or those with chronic conditions.
7. Does Fixed Benefit Insurance Cover Pre-Existing Conditions?
Typically no. Only emergency medical care may be covered.
8. What “Pre Existing Condition” Means?
A pre existing condition is a health issue you already had before buying the insurance — like diabetes, heart disease, asthma, arthritis, etc.
9. Do comprehensive plans cost more than fixed plans?
Comprehensive plans definitely have a higher premium because they cover a wider range of risks. Fixed plans, being more focused and predictable, lower premiums.
10. Who Is It Best For?
- Healthy travelers on short trips.
- Visitors who want basic coverage at a lower cost.
- Travelers with low medical risk and no pre-existing conditions.
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How to buy travel insurance?
Guide to buying the best international travel insurance for USA.
Learn More »Travel insurance for specific groups
Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Learn More »What Is the Best US Visitors Insurance With Pre-Existing Conditions Coverage?
The best US visitors insurance with pre-existing conditions coverage is listed here :
INF Elite plans provide comprehensive coverage for pre-existing conditions up to age 99, with a minimum 90-day purchase.
Offers acute onset of pre-existing condition coverage up to age 89 — up to policy maximum for under 70, and up to $35,000 for above 70.(cardiac-related treatment up to $15,000).
Comprehensive visitor insurance covering acute onset of non-chronic pre-existing conditions for Non-US citizens and residents up to age 79.
Comprehensive travel insurance covering acute onset of pre-existing conditions up to age 70, suitable for Non-US citizens, US citizens abroad, and Green Card holders living outside the US.
is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
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Fixed or Comprehensive Travel Health Insurance Plan?: Which is Better?
The choice between a fixed and comprehensive plan depends on individual needs and preferences. If someone prefers a cheaper plan, a fixed visitors travel insurance plan might be suitable. If someone wants a more versatile solution covering various aspects, a comprehensive visitor travel insurance plan could be better.
- Choose Fixed Benefit : if you are young, healthy, and on a budget for a short visit.
- Choose Comprehensive : Travel Insurance if you are an older visitor, have pre-existing conditions, or want full protection, it reduces financial risk and provides broader coverage.
- Choosing the right visitor insurance plan is essential, especially for elderly travelers or visitors with pre-existing medical conditions. Both fixed benefit and comprehensive travel insurance plans have advantages, but the right choice depends on your age, health, and travel needs. While comprehensive may be the best option for most people, it really depends on your health and budget, as well as the level of risk you’re willing to take to save money—and potentially sacrifice peace of mind.
- When searching for the best medical insurance for green cardholders in the U.S., it’s important to work with a trusted partner American Visitor Insurance offers excellent customer service and policy pricing. We offer a range of plans to fit your specific needs and budget.
💡️ Tip: For most elderly visitors to the U.S., comprehensive travel insurance for visitors is the safer and smarter choice.
