Comparison of Popular US travel insurance, Fixed benefit and Comprehensive US travel insurance

Fixed benefit and Comprehensive US travel insurance

Before comparing the popular US travel insurance plans, you need to understand the difference between Fixed and Comprehensive plans. Following are some of the important US travel insurance terminologies that you should focus on:

Premium : This is the cost or the charge that you pay while you make the purchase of a plan.
Deductible : This is a small amount starting with 50 and can go up to as high as 2000 which is the amount that the insured pays before the insurance company starts paying for claim expense. This can be per injury/sickness or it could be per policy period.
Co-Insurance : This is a percentage amount that the insured pays after the deductible is satisfied, up to certain limit after which the insurance company pays 100%. Usually this would be 10-20%.
Policy maximum : This is the maximum amount a policy can pay in any kind of urgent emergency situation.

Fixed benefit Travel insurance plans are also known as scheduled benefit plans. They are limited in their coverage. They are low priced and highly economical and are attractive for the customers. Taking a deeper look, Fixed plans set a fixed amount for each and every benefit.

Co insurance is not applicable to these plans as they do not pay any percentage amount for the benefits provided. Policy maximum values for these plans are generally $50,000 and $100,000, but the claims are not paid up to the policy maximum for every benefit.

Ex: Let us say that the doctor visit charge is $250, and the deductible is $50 and the plan has a set amount of $55 for doctor visit. For the first visit the customer needs to satisfy the deductible. Therefore, the insurance company will pay $5 and the customer has to pay $245 out of his pocket. If the deductible for the plan is a per injury/sickness deductible, then for each new doctor visit the deductible has to be satisfied.

For the next visit, if the doctor bill is $250, then the insurance company will pay the set amount of $55 as the deductible is satisfied and the customer is responsible for the rest $195. Here is a list of some popular fixed plans from different companies which people buy when they visit the US.

Visitors Care from IMG
Visitor Secure from WorldTrips
Travel Medical USA Visitor Basic and Travel Medical USA Visitor Basic from Seven Corners
Safe Travels Elite from Trawick International
INF Premier, INF Premier Plus and INF Standard plans

The plans that provide medical coverage for acute onset of pre existing conditions for people above 70 are, Safe Travels visitors to the US and the INF plans. Visitors Care from IMG provides only $2500 coverage for people above 70 for acute onset of pre existing conditions.

Comprehensive travel insurance plans on the other hand, offer coverage up to the policy maximum for every benefit. There is a co insurance factor applicable with these plans, where the customer pays a set percentage of the claim expense after the deductible up to certain limit, after which the insurance company will pay 100% of the expense incurred.

For instance, if you have a plan with deductible $100 and the co insurance is 20%. Let's say expense incurred is $1000. Then here is how the claim expense will be calculated:

The customer need to satisfy the deductible of $100. Therefore with the remaining $900, the customer will pay 20% of $900 which is $180 and the insurance company will pay $720. For the next claim, the deductible is satisfied and customer will have to pay the percentage co insurance only. This will go on up to certain dollar limit which is usually $5000. Once the expense crosses this limit, the company will pay 100%.

Here is the list of the plans:

Atlas Travel: This is a worldwide coverage plan including or excluding the US. This plan has extended the coverage for acute onset of pre existing condition up to the age of 79.
Atlas Premium America: This is a new plan which is similar to Atlas America/Travel but has more coverage for some of the benefits and is bit expensive than Atlas Travel
Patriot America Lite and Patriot America Plus from IMG : Both are very good comprehensive plans but only Patriot America Plus provides coverage for acute onset of pre existing condition up to the age of 70.
Safe Travels USA Comprehensive: This plan provides very good coverage for acute onset of pre existing condition up to the age of 89.
Visit USA Comprehensive from USI Travel Insurance Services.
Travel Medical plans: These have been upgraded and they cover worldwide including and excluding the US.
INF Elite Plan, INF Elite Plus, INF Elite 90 , Safe Traveler USA and Safe Traveler USA 90 from INF

You can Compare Travel insurance by getting quote. However, inspite of many plans available for visitors, having a closer look at the benefits of each plan will help to make better decision in order to meet the requirements of the customer.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

Resourceful tourist insurance USA information

Find the best travel insurance

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How does travel insurance work?

Claims process for expenses due to injury or sickness

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How to buy travel insurance?

Guide to buying the best international travel insurance

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Travel insurance glossary

Commonly used international travel medical insurance terms

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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

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Compare travel insurance plans

Compare the best travel insurance plan for your needs

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Comparison Travel Insurance - Frequently asked questions

The cost of visitors insurance in USA depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.

The best visitor insurance in USA will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the US. While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage.

The price will be higher if you need health insurance for visitors to usa with pre-existing conditions. It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance 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.

Travel medical insurance has evolved as one of the most important travel documents and can be considered as a necessity. It provides coverage for sudden illness or injury that may occur while the traveler is away from home.

In case of hospitalization it covers the medical bills and treatments availed. It also provides coverage for trip cancellation, trip interruption and various other benefits that a traveler can choose according to the requirements.

Travel insurance is important while travelling overseas for business or for pleasure. Unforeseen incidents and mishaps can occur hence it’s important to be prepared.

By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage. Travelers can also include Cancel for any reason cover that offers maximum coverage.

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 :

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.
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 $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
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..
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.
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.
Safe Travels USA 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.