American Travel insurance for visitors - An overview

Travel Insurance for America When you are in America, it is very important not to ignore American travel insurance coverage. International visitors in America are not entitled to buy domestic health insurance programs but they can buy visitor travel insurance. There are different types of coverage (fixed benefit vs comprehensive), plan restrictions, vital factors to consider under America travel health insurance and it can be best understood by comparing quotes and benefits online. Given below are is an overview of America travel insurance plans to help travelers decide what coverage suits their requirements.

Cost for America travel insurance

Visitor insurance plans are highly regulated and no agency can lower the rates or other incentives to buy a specific plan. However, our American travel insurance compare engine can help travelers choose the best plan according to their individual insurance requirements. The fixed benefit plans are cheaper when compared to comprehensive plans but the coverage is more limited under fixed plans. The price of visitor insurance is directly related to the age of the travelers and maximum medical coverage selected. For example, if you are choosing $25,000 or less medical coverage then the price will be cheaper as opposed to if you choose 50,000 or $100,000 medical coverage. The higher the medical coverage and duration of stay, the costlier will be the premium cost of International Visitor Travel Health Insurance plans.

Fixed Vs Comprehensive benefit America travel insurance plans:

Some of the important differences between fixed and comprehensive benefit plans are:
  • Fixed benefit plans have specific limitations on the covered medical expenses whereas there will not be any limits on covered expenses under comprehensive benefit plans.
  • The benefits limits are not the same as plan medical maximum under fixed benefit whereas under comprehensive plans can go all the way up to the plan maximum.
  • More affordable and lower premium costs under fixed benefit plans while comprehensive plans have higher premium rates.
  • The coverage offered is limited under fixed benefit visitor insurance plans while under comprehensive plans the benefits is more and with wider coverage.

Travelers with pre-existing conditions

Many travelers to the US especially parents and older travelers, need visitor insurance with coverage for common existing medical ailments. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018. There are some visitor insurance plans from INF that offer coverage for pre-existing medical ailments.

Those who are looking for visitor insurance coverage for pre-existing conditions should know that there are only few plans offered by insurers. Some of the fixed and comprehensive benefit plans offered under visitor medical insurance are:

Compare America travel insurance plans:

Insurance customers at American Visitor Insurance can get free quotes and compare visitor medical insurance USA plans online. Complete a simple compare American travel insurance form to compare quotes offered by prominent US insurance companies. Travelers can compare deductibles, premium cost, medical benefits, coverage details... using the compare facility. There are a few plans which have a time limit before which customers should buy best visitor insurance USA plan after the arrival in the USA. Read the visitors insurance for USA brochures to get complete information about a plan.

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Review best visitors insurance for USA:

Age
Spouse Age
Start Date
End Date
Comprehensive plans  pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
Maximum coverage#1
Deductible#2
Key Features Acute onset of pre-existing conditions coverage of $30,000 for visitors up to 69 years in USA. Details...



$33.79
PER MONTH
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Maximum coverage#1
Deductible#2
Pre-Existing Cover
Key Features Great coverage for a great price. Offers coverage for pre-existing conditions. Details...
$37.00
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features Always eligible for purchase no matter what age and how long a person has been in the US Details...



$42.16
PER MONTH
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Fixed benefits plans  have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Maximum coverage#1
Deductible#2
Key Features Covers Pre-existing condition upto Policy maximum. Most economical option with a $25k maximum and lowest deductible option. Details...



$38.00
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features High maximum available. Details...





$49.91
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features Pre-existing conditions covered as any other for persons under 80 Details...




$63.55
PER MONTH
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#1  Maximum Coverage is the maximum eligible medical expenses that the plan will cover.


#2  Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

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