Visitor insurance types - Comprehensive vs Fixed benefit coverage

Visitor medical insurance plans can be classified as either fixed (limited) benefits or comprehensive plans. There are significant differences in the coverage, price, benefit limits... between the two types of Visitor Insurance. Listed here are details to highlight the differences between Fixed benefit and Comprehensive visitor medical insurance.

Types of visitor insurance, Difference between US travel health insurance

Fixed benefit insurance

Affordable but limited coverage

Comprehensive insurance

Expensive but exhaustive coverage

Fixed benefits plans have specific benefit limits for different covered medical expenses.
These benefit limits are not the same as the plan medical maximum.


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)

Covid19 Coverage

Covered as any other illness

Covid19 Coverage

Covered as any other illness

Coverage details

Clearly defined coverage limits. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.

Coverage details

The plan pays for all expenses after the deductible and co-insurance component. These plans are recommended given the high costs of health care in the US. These plans are worth every penny of premium paid in the event of catastrophic medical emergencies.

Cost of fixed benefit US travel insurance

Cheapest options in the market definitely more affordable.

Cost of comprehensive US travel insurance

More expensive.

How do fixed benefits plans work?

The customer is required to pay an initial deductible for each injury or sickness and the plan pays for the rest of the covered expenses.

How do comprehensive plans work?

The insured has to pay the deductible and an additional 20% co insurance for the first $5000 of the medical expense incurred. After $5000, the plan pays 100% of the eligible medical expenses up to the plan maximum. There are other variances of the co-insurance, some where the plan pays 90% up to first $5,000 and 100% after that.

Preferred provider organization (PPO) network

You can visit any hospital or doctor, since there will be no discounted rates, the plan will only pay up to the clearly defined limits for different expenses.

Preferred provider organization (PPO) network

Most comprehensive plans have PPO networks, which means cashless service (direct billing as opposed to reimbursement basis), more discounted rates, as well as easier acceptance within the PPO network.

Trip expenses

Usually not covered

Trip expenses

Covers trip cancellation, baggage loss, baggage delay...

Any limitation on hospitals and doctors?

No limitation, you can go to any doctor or hospital, however the plan will have clearly defined payments for different treatments.

Any limitation on hospitals and doctors?

It is recommended that you visit Doctors/Hospitals within the PPO network, even though you can go outside the network also. Within PPO network entitles you to discounted rates and direct billing.

Popular fixed benefit visitor insurance plans

Visitors Care | Travel Medical USA Visitor Choice | Travel Medical USA Visitor Basic | Visitors Secure | Safe Travels Elite | INF Premier Plan Insurance | INF Standard Plan Insurance | INF Premier Plus Insurance | INF Hop! Mindoro | INF Hop! WorldHopper

Popular Comprehensive visitor insurance plans

Atlas America | Patriot America Lite | Patriot America Plus | Patriot Platinum | Travel Medical Basic | WorldMed | Diplomat America | Safe Travels USA | Safe Travels USA Comprehensive | INF Elite Plan Insurance | INF traveler USA Insurance | INF Elite Plus Insurance | INF Elite 90 Insurance | INF Traveler USA 90 Insurance | INF Hop! Travel Assist plans | NF Hop! Trip Assist Plus | Travel Medical Plus

Popular fixed benefit global insurance plans

Global Medical Silver

Popular Comprehensive global insurance plans

Global Medical Bronze | Global Medical Gold Plus| Global Medical Gold | Global Medical Platinum


What is the difference between comprehensive and limited benefit visitor medical insurance?

There are significant differences between comprehensive and limited benefit visitors insurance. The limited coverage or fixed coverage visitors insurance have a specific fixed coverage amount for each medical situation as indicated in the policy brochure. Even though the overall maximum medical coverage might be a higher limit, it is a specific fixed limited for each situation which is the capping for that situation.
As opposed to this the comprehensive visitor insurance plans do not have any ‘sub-limits’ within the medical maximum coverage. Given this flexibility and comprehensive nature of the coverage, the comprehensive coverage visitor insurance plans are more expensive when compared to fixed coverage visitor insurance.

What are the cheapest types of visitor insurance?

The cheapest visitor travel insurance is with fixed benefits or limited coverage visitor insurance. However, the cheapest visitor insurance has significant limitation in the coverage and travelers can find this too constraining for serious medical ailments involving hospitalization. Given that travelers are buying visitor insurance not for small ailments but rather for more serious situations involving hospitalization, comprehensive visitors insurance is recommended especially while traveling to the US.

Testimonials - From Our Customers

After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance.
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We really thank American insurance team for providing great assistance in taking the insurance. We were successfully.
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Travel insurance for acute onset of pre-existing conditions
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Explain the difference between Fixed benefit (Scheduled benefit) and Comprehensive insurance coverage

Let us take an example: The medical bill is $24,000; Deductible is $100 and choosen Policy Maximum is $50,000

Fixed benefit policy

After deductible, the plan covers set amount up to a maximum of $50,000. You must pay the first $100 (deductible). After that, the insurance company only pays the fixed amount for the policy, In this hypothetical case mentioned below in the table, the insured has to pay $15,900 because of the difference between the fixed amount the insurance pays and the actual billed amounts. Note that if you purchase a policy with a higher maximum, all the fixed amounts go up, so you can get better coverage of a medical bill. However, you may not get 100% coverage of ANY medical bill with a fixed plan.

Comprehensive plan

Deductible is $100 with maximum coverage of $50,000. Policy covers 80% of first $5000 then 100% to the policy limit. In this case your expense is the first $100 deductible followed by 20% of first $5000, which is $1000. Thus your final expense is $1100 while the insurance company will cover the remaining $22,900.

The above scenario is explained in this table:
Benefit Expense Fixed plan pays Customer owes Comprehensive plan pays Customer owes
Room rent $6,000 for 3 days $4,200 for 3 days $1,800 $5,000 $1,000 (20% of first $5000)
Surgery $16,000 $3,300 $12,700 $16,000 $0
Prescription drugs $600 $150 $450 $600 $0
X Ray $1,400 $450 $950 $1,400 $0
Total: $24,000 $8,100 $15,900 $23,000 $1,000
Our Compare visitor medical insurance tool allows you to evaluate differences between Limited benefit and Comprehensive travel insurance plans based on deductible cost.

Contact our customer service team, we are here to help you!

Resourceful visitors medical insurance information

Expat health insurance resources

Expat health insurance resources

Choose Expat travel health insurance resources for global travelers.

Factors for expat travel insurance

Factors for expat travel insurance

Important factors while deciding on the best travel insurance for expatriates.

Types of expat travel insurance onlines

Types of expat travel insurance onlines

Understanding different types of expat health insurance plans online.

Expatriate health insurance claims process

Expatriate health insurance claims process

Expat health insurance online claims process for getting medical care in a hospital.

Select the visitor insurance plans that you want to compare

F Fixed Benefits Plans      C Comprehensive Plans

Resourceful travel insurance information for new customers

Find the best travel insurance

Find out the best insurance for your budget and needs
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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?

Step by step guide to buying the best travel insurance online
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Travel insurance glossary

Commonly used international travel 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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Visitors Insurance USA - FAQ

01. How to buy visitors insurance? How to find the best visitor health insurance?

There are many visitor health insurance plans for coverage in the USA offered by US insurance providers. Given the several US visitor insurance options, it can be confusing to find the best health insurance for travel to USA for your needs.

What is very useful in making this decision is to compare travel insurance USA of different companies. The US travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner.

The traveler can change relevant factors like the medical maximum coverage required, the US traveler insurance deductible, any US travel health insurance plans with coverage for pre-existing ailments, travel insurance USA coverage for Covid19... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

02. Can a visitor get health insurance in USA?

Yes. Visitors, tourists, students, and others can all buy travel health insurance in the US. We recommend travel insurance for visitors be bought from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.

03. How does visitor insurance work?

Visitor or travel medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for visitors plans also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.

04. What is Visitor Insurance USA?

Visitor insurance USA is travel insurance that can be purchased for travel in the US and for travel outside one’s home country. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. Travelers can compare and buy the best US travel insurance plans at American Visitor Insurance.

05. Do tourists need travel insurance?

Often health insurance from a home country will not cover you while you are traveling in a different country. If you are in a country with high medical costs such as the US, Canada, or Japan, you should consider purchasing international travel insurance in case you should need any medical care. The travel insurance for tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.

06. What are the disadvantages of travel insurance?

Travel insurance is only for unexpected medical problems like illness or injuries while on a trip. Most medical insurance for travelers do not cover preventive care or vaccinations or even emergencies for a pre-existing medical condition. Also, if you are engaging in specific sports or recreational activities (motorcycle riding, motocross, skiing, bungie jumping, etc) be sure you get a plan that will cover any injuries you may have while participating in that activity as many will exclude them from coverage.

07. How much is visitor insurance in USA?

The cost of the travel insurance for US visitors is based on the age of the insured, the maximum of the policy, the deductible on the policy, and the number of days of the trip. With visitor insurance, you can choose a fixed or a comprehensive plan. A fixed or limited benefit plan is generally much cheaper than a comprehensive plan because the plan has limits on what it pays out for each medical expense. The comprehensive plan is more expensive because it offers more complete coverage of medical expenses to the medical maximum.

08. What happens if a tourist gets sick in USA?

Tourists can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US tourist health insurance plan for the duration of their stay.

09. What is an example of acute onset of pre-existing conditions?

An acute onset of a pre-existing condition is a sudden and unexpected recurrence or flare-up of a pre-existing medical condition that requires immediate medical attention while you're traveling.

Here's an example of an acute onset of a pre-existing condition:
Let's say the traveller has a history of asthma and are planning a trip overseas. While on the trip, he/she suddenly experience a severe asthma attack, which requires the traveller to seek medical attention at a local hospital. Since this was an unexpected occurrence, it would be considered an acute onset of a pre-existing condition, and the traveller may be eligible for coverage under a travel insurance policy with acute onset coverage for pre-existing conditions.

It's important to note that the specific terms and conditions of the travel insurance policy, as well as the severity and timing of the medical emergency, will determine whether or not your claim will be covered. It's always a good idea to carefully review your policy before purchasing to ensure that you understand the coverage and limitations, including any exclusions or restrictions that may apply. Travelers should compare the best US travel insurance plans, costs, benefits and coverage for pre-existing conditions options on American Visitor Insurance to find the best fit for their specific needs.

Popular traveler’s queries about fixed benefit vs comprehensive visitors

Factors that determine the insurance cost


I’m visiting the US for 6 months, I want to buy visitor medical insurance, please can you help me in getting quotes for insurance plans and how much it would cost?

Dear Kim
Before you get quotes for the insurance plans, there are some important aspects of insurance that determine the coverage and cost of an insurance plan which are as follows:
  • Visitor insurance is broadly classified as Fixed and Comprehensive plans. Fixed benefit or Scheduled benefits offer limited coverage and have specific benefit limits on medical expenses. These plans are cheaper when compared to comprehensive plans which do not have limits and cover expenses up to the plan maximum. Review the differences between fixed and comprehensive plans to know more.
  • The next factor is the plan maximum, this is medical maximum coverage that a plan will offer to pay your medical expenses. The higher the plan maximum, the higher will be the premium.
  • A Deductible is the amount that the insured needs to pay before the plan starts paying. The higher the deductible, the lower will be the premium.
  • Coinsurance is the percentage of amount the plan will pay after the deductible and the remaining you will have to pay. Only a few plans give you the option of choosing the coinsurance.
  • Travelers age and the travel dates will also affect the premium of the plan. Older travellers have to pay more and the coverage available may be limited.
  • Some other important factors like special coverage for pre-existing ailments, maternity, adventure sports… also impact the price of the insurance.
  • If you need extra coverage you may have to pay more. For some plans these extra benefits are optional and may be expensive than the ones that do not offer these benefits.

You can review more factors that determine the cost of an insurance plan here: Factors to consider

To find the best insurance plans please use our quick “find the best coverage” tool: Find the best coverage

Please let us know if we can help you in any further.

Customer care
(877) 340 7910

Travel insurance for foreigners in USA

Even as the threat of Covid has diminished across the globe, international travel conditions in general remains fluid. Given the pandemic, the Ukraine war, extreme weather related disruptions across the globe and staffing disruptions in different airports, international travelers are understandably more concerned about safety while traveling. There is now an increased demand to buy the best visitors travel insurance.

Travel Insurance with covid coverage for visiting USA

To protect the trip it is advisable to get travel medical insurance with wide benefits like, trip cancellation, cancel for any reason, quarantine coverage, travel delay or interruption, baggage or personal belongings loss, emergency medical evacuation and repatriation etc...

At American visitor insurance travelers can choose from a wide range of choices that cater to different travel and medical needs. Travelers can compare and add on benefits according to their specific requirement. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Cheap travel insurance for visiting USA with Covid coverage included

Trawick International insurance

Trawick International offers visitor medical insurance with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. Travelers can compare Safe Travels USA travel insurance and buy it online to get coverage as early as the following day.

Global Underwriters US visitor insurance

Diplomat America travel insurance by Global Underwriters is available for Non-US citizens or residents traveling to the US. Diplomat Long term travel medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

Seven Corners visitors medical insurance

Travel Medical Plus Insurance offered by Seven Corners provides health insurance treatment for international travelers.

Please know we are here to help you make the best, informed decision to get travel medical insurance coverage! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Countries that need travel insurance

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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