Affordable travel insurance online

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans. These fixed affordable health travel insurance plans are cheapest but provide limited cover for unexpected sickness and injury while outside ones home country.

Most of these fixed benefit affordable world travel insurance plans are per injury/sickness plans. Per injury/sickness plans set the policy maximum back to the original amount after some amount is used in case of a claim expense. The deductible has to satisfied every time for a new sickness in a per/injury sickness plan.

There are many affordable online travel insurance plans available in the market.Here are some popular affordable medical travel insurance Fixed benefit plans:

1. Safe Travels Elite from Trawick International
   • This plan is an affordable fixed plan from Trawick International.
   • This plan can provide a policy maximum starting from $25K and goes up to $175K.
   • This plan is unique compared to other fixed benefit plans where this plan provides "well doctor visit" that pays up to $75 for one visit.
   • One visit per policy period is available.
   • This provides a good coverage for the acute onset of pre existing condition. This plan has a deductible of $0.
2. Safe Travels Elite Diamond plan for Seniors
   • This affordable fixed plan from Trawick International is available for seniors from the age of 50 up to 89.
   • This is ideal affordable travel insurance for seniors for ages 70 and 89 years.
   • This plan provides a policy maximum of $50K for the Diamond plan and the Diamond Plus plan provides a policy maximum of $100K.
   • This plan has a deductible of $100 and $200. This plan provides a very good coverage for acute onset of pre existing condition.
3. Visitors Care plan from IMG
   • This affordable travel insurance plan from IMG provides fixed benefit coverage which provides policy maximum ranging from $25K up to $100K.
   • This plan covers acute onset of pre existing condition up to the policy maximum up to the age of 70.
   • It covers $2,500 for people above the age 75 for acute onset of pre existing conditions.
   • Apart from that, there are benefits covering physical therapy, extended care facility.
4. Visitor Secure plan from WorldTrips
   • This is another fixed benefit plan which is affordable from the company WorldTrips.
   • The policy maximum available on this plan starting from $50K and goes up to $100K.
   • This plan also similar to the above mentioned fixed plans have benefits available for the customer.
5. Travel Medical USA insurance from Seven Corners
   • This affordable travel insurance plan has a policy maximum starting from $50K and goes up to $150K.
   • This plan has a maximum life time of 364 days until which the plan can be renewed/extended.
6. INF Premier Travel insurance
   • This is the most economical fixed-benefit insurance plan for pre-existing conditions.
   • The Premier plan covers all emergency, in-patient hospitalizations up to plan maximum options of $150K.
   • The Plan works for all ages, and includes acute pre-existing visitors insurance for age 80+.
7. INF Premier Plus Travel insurance
   • This is the most economical fixed-benefit insurance plan for pre-existing conditions.
   • The Premier plus plan covers preventive & maintenance care, TDAP, Flu, etc Vaccines, TDAP, Flu, etc Vaccines, all emergency, in-patient hospitalizations up to plan maximum options of $150K.
   • The Plan works for all ages, and includes Full pre-existing visitors insurance for age 80+.

While the fixed benefit plans are cheap and economical and help in the coverage of minor medical expenses, there are some limitations with the fixed benefit plans.

• They have a fixed amount specified for each and every benefit, beyond which they do not cover the expense
• There is no co insurance factor which helps to make the claim expense coverage flexible extending the coverage up to the policy maximum.
• Most of the Fixed plans are affordable but do not cover acute onset of pre existing condition for travelers above 70.

Due to the above reasons, it is advisable to choose a comprehensive plan instead of a fixed plan considering the major medical expense. This is not at all easy in countries like the US where healthcare is very expensive.

To make the comprehensive plans affordable, travelers can choose a higher deductible or a higher co-insurance option. The co-insurance associated with comprehensive plans is such that the insured pays 10 to 20% of the claim expense after the deductible up to a dollar limit which I usually $5K.

This way even major medical expenses that can be catastrophic will be covered while trying to make a comprehensive plan an affordable travel insurance plan.

The best US visitors insurance with pre-existing conditions coverage is listed here:

1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25K). For persons above 70 Acute Onset benefits is reduced to a maximum of $35K (cardiac-related treatment up to $15K).
3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
   The plan provides acute onset of non-chronic pre-existing conditions coverage.
4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
5. Visitors Protect 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.
6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition forNon-US Citizens and Non-US Residents while visiting the USA up to 89 years.