Compare Fixed Benefit Travel Insurance Plans

Compare travel insurance benefits offered by Visitors Care Insurance, Visitor Secure Insurance, INF Standard Plan and Safe Travels Elite plans. These US travel insurance plans are fixed benefit visitor insurance plans for international travel. Compare price and benefits to find the best US travel medical insurance plan for your needs.

How much does visitors health insurance USA cost?

Compare Visitors Care vs VisitorSecure vs Safe Travels Elite insurance

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Age
Spouse
Start Date
End Date
Destination
Citizenship
Visitors Care  
Maximum
Deductible
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Visitor Secure  
Maximum
Deductible
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INF Standard
Maximum
Deductible
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Safe Travels Elite
Maximum
Deductible
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  Covid19 coverage
Not Covered Covered Treats Coronavirus as a new sickness & covered by the plan Safe Travels Plans covers COVID19 expenses and treated as any other sickness
  Medical Benefits
Hospital room and board
Lite: Up to $825 max per day 30 day max per period of coverage
Plus: Inpatient - Up to $1,400 max per day 30 day max per period of coverage
Platinum: Inpatient - Up to $2,000 max per day 30 day max per period of coverage
Plan A: $1,450 per day, maximum 30 days
Plan B: $1,725 per day, maximum 30 days
Plan C: Up to $2,000/day, 30 day max
Plan D: Up to $2,585/day, 30 day max
Plan 50k: Charges up to $1,300 a day maximum Up to 30 days
Plan 100k: Charges up to $1,750 a day maximum ​Up to 30 days
Plan 150k:​Charges up to $1,900 a day maximum ​Up to 30 days
Economy: Up to $1,400/day, 30 day maximum
Basic: Up to $2,000/day, 30 day maximum
Silver: Up to $2,000/day, 30 day maximum
Gold: Up to $2,000/day, 30 day maximum
Platinum: Up to $3,000/day, 30 day max
Intensive care unit
Lite: In-Patient & Outpatient - Up to $400 max per surgical session
Plus: In-Patient & Outpatient - Up to 660 max per surgical session
Platinum: Inpatient - In-Patient & Outpatient - Up to $850 max per surgical session
Plan A: $2,200 per day, maximum 8 days
Plan B: $2,600 per day, maximum 8 days
Plan C: $3,000 per day, maximum 8 days
Plan D: $3,800 per day, maximum 8 days
Plan 50k: Charges up to $525 maximum additional a day | Up to 8 Days
Plan 100k: Charges up to $750 maximum additional a day | Up to 8 Days
Plan 150k:​Charges up to $850 maximum additional a day | Up to 8 Days
Economy: Additional $2,100/ day, 8 day maximum
Basic: Additional $2,500/ day, 8 day maximum
Silver: Additional $2,500/ day, 8 day maximum
Gold: Additional $3,000/ day, 8 day maximum
Platinum: Additional $4,500/ day, 10 day maximum
Surgery
Lite: In-Patient & Outpatient - Up to $2,000 max per surgical session
Plus: In-Patient & Outpatient - Up to $3,300 max per surgical session
Platinum: Inpatient - In-Patient & Outpatient - Up to $5,500 max per surgical session
Plan A: $3,600 per session
Plan B: $4,800 per session
Plan C:$6,000 per session
Plan D: $7,800 per session
Plan 50k: Up to $1,000 maximum
Plan 100k: Up to $1,000 maximum
Plan 150k: Up to $1,200 maximum
Economy: Up to $3,500;
Basic: Up to $5,000 ;
Silver: Up to $5,000 ;
Gold: Up to $6,000;
Private duty nurse
Lite: Up to $400 max
Plus: Up to $550 max
Platinum: Up to $550 max
Plan A: $550 maximum
Plan B: $550 maximum
Plan C:$550 maximum
Plan D: $700 maximum
Plan 50k: Up to $400 maximum
Plan 100k: Up to $500 maximum
Plan 150k: Up to $550 maximum
Economy: Up to $450;
Basic: Up to $450 ;
Silver: Up to $550 ;
Gold: Up to $550;
Platinum: $700
Pre-Admission Testing
Lite: Up to $750 max per period of coverage
Plus: Up to $1,100 max per period of coverage
Platinum: Up to $1,100 max per period of coverage
Plan A: $1,100 maximum.
Plan B: $1,100 maximum
Plan C:$1,100 maximum
Plan D: $1,450 maximum
Plan 50k: Up to $1,000 maximum
Plan 100k: Up to $1,100 maximum
Plan 150k: Up to $1,200 maximum
Economy: Up to $1,100;
Basic: Up to $1,100 ;
Silver: Up to $1,100 ;
Gold: Up to $1,200;
Platinum: $1,500;
Assistant Surgeon
Lite: Up to $450 max per surgical session
Plus:Up to $825 max per surgical session
Platinum: Up to $1,375 max per surgical session (20% of the primary surgeon’s eligible fee)
Plan A: $825
Plan B: $1,110
Plan C:$1,375
Plan D: $1,775
Plan 50k: Up to $750 maximum
Plan 100k: Up to $1,250 maximum
Plan 150k: Up to $1,500 maximum
Economy: Up to $850 per Incident;
Basic: Up to $850 per Incident;
Silver: Up to $1,200 per Incident;
Gold: Up to $1,400 per Incident;
Platinum:Up to $1,800 per Incident;
Anesthetist
Lite: Up to $450 max per surgical session
Plus: Up to $825 max per surgical session
Platinum: Up to $1,375 max per surgical session
Plan A: $825
Plan B: $1,110
Plan C:$1,375
Plan D: $1,775
Plan 50k: Up to $750 maximum
Plan 100k: Up to $1,250 maximum
Plan 150k: Up to $1,500 maximum
Economy: Up to $850 per Incident;
Basic: Up to $850 per Incident;
Silver: Up to $1,200 per Incident;
Gold: Up to $1,400 per Incident;
Platinum:Up to $1,800 per Incident;
  Emergency Services
Emergency local ambulance
Lite: Up to $250 max per period of coverage
Plus: Up to $450 max per period of coverage
Platinum: Up to $475 max per period of coverage
Up to $500 maximum Plan 50k: Up to $400 maximum
Plan 100k: Up to $450 maximum
Plan 150k: Up to $500 maximum
Economy: $500 per Incident
Basic: $650 per Incident
Silver: $650 per Incident
Gold: $650 per Incident
Platinum:$750 per Incident
  Dental
Dental Treatment due to Alleviate pain
Up to $550 max per period of coverage or unexpected pain to sound natural teeth Up to $550 maximum Plan 50k: Up to $450. There are no benefits for dental services for immediate relief of pain.
Plan 100k: Up to $500. There are no benefits for dental services for immediate relief of pain.
Plan 150k:Up to $550. There are no benefits for dental services for immediate relief of pain.
Economy: $600 per Incident
Basic: $750 per Incident
Silver: $750 per Incident
Gold: $750 per Incident
Platinum:$750 per Incident
  Pre-Existing Condition
Acute Onset of Pre-Existing Condition
Lite: $25,000 max per coverage period (subject to sub-limits)
Plus: $50,000 max per coverage period (subject to sub-limits)
Platinum: $100,000 max per coverage period (subject to sub-limits)
Plan A: $50,000 lifetime maximum for eligible expenses
Plan B:$75,000 lifetime maximum for eligible expenses
Plan C:$100,000 lifetime maximum for eligible expenses
Plan D:$100,000 lifetime maximum for eligible expenses
Not Covered Acute Onset of a Pre-existing Condition - up to policy maximum for age up to 69 years, $35,000 for age 70-79 years, $15,000 for age 80-89 per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $25,000 for age up to 69 years, $15,000 for age 70 years and above)
  Life
Common carrier accidental death & dismemberment
$25,000 max per period of coverage $25,000 lifetime maximum principal sum per member Death or loss of two limbs - principal sum Loss of one limb - one-half the principal sum $25,000 Principal Sum. Economy: $25,000 Principal Sum
Basic: $25,000 Principal Sum
Silver: $35,000 Principal Sum
Gold: $35,000 Principal Sum
Platinum:$35,000 Principal Sum
  Evacuation
Emergency medical evacuation
Lite: Up to $25,000 max
Plus: Up to $50,000 max
Platinum: Up to $50,000 max
$50,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Available only to members under age 70. Plan 50k: $15,000 maximum
Plan 100k: $20,000 maximum
Plan 150k:$25,000 maximum
Economy: $100,000
Basic: $100,000
Silver: $100,000
Gold: Unlimited
Platinum:Unlimited
Return of mortal remains or cremation/burial
$25,000 max with $5,000 max for Cremation/Burial $25,000 max with $5,000 max for Cremation/Burial Plan 50k: $10,000 maximum
Plan 100k: $15,000 maximum
Plan 150k:$20,000 maximum
Economy: $7,500 max with $5,000 max for Cremation/Burial Basic: $7,500 max with $5,000 max for Cremation/Burial Silver: $10,000 max with $5,000 max for Cremation/Burial
Gold: $20,000 max with $5,000 max for Cremation/Burial
Platinum:$25,000 max with $5,000 max for Cremation/Burial
Travel Insurance
Underwriter
Visitors Care Insurance Underwriter
Sirius International
Visitor Secure Insurance Underwriter
Certain Underwriters at Lloyd's of London
Standard Insurance Underwriter
Crum & Forster SPC
Safe Travels Elite Insurance Underwriter
Crum & Forster SPC
Rating
Visitors Care Insurance Rating
AM Rating : A (Excellent)
Visitor Secure Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Standard Insurance Rating
AM Best Rating: A++
Safe Travels Elite Insurance Underwriter
AM Best Rating: “A (Excellent)”
Brochure and Details
An overview

Compare IMG vs WorldTrips vs Trawick fixed benefit plans

Travelling to the US without American visitor medical insurance can be very risky. Travelling involves uncertain situations and emergencies like sudden sickness or injuries due to accidents, trip delay, loss of passport and much more… by which you can get stranded with huge medical bills and financial losses. Many of you are aware of the high health care cost for visitors to US and the expenses arising from hospitalization can be traumatic.

There are top rated insurance providers who offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA. The visitors to the US should compare different travel insurance plans, there are fixed benefit visitor medical insurance. They are affordable visitors insurance having specific benefit limits for different covered medical expenses. The benefit limits are not the same as the chosen plan maximum. Some of the popular fixed benefit visitors medical insurance plans are :

Visitors Care Insurance from International Medical Group with rating of A (Excellent) by A.M. Best , Visitors Secure Insurance from World Trips with ratings of A++ (Superior) by AM Best Rating and AA- by Standard & Poor’s Rating and Safe Travels Elite Insurance from Trawick International with ratings of “A” (Excellent) by A.M. Best.

These fixed benefit cheapest visitor insurance plans offer coverage for acute onset of pre-existing conditions up to chosen plan maximum and available for travelers under 70 years of age for Visitors Care and Visitors Secure plans.

Visitors Care vs VisitorSecure vs Safe Travels Elite – FAQs

  • IMG  Visitors Care Insurance FAQs

    IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
    International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

    Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage. The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses.
    For detailed working example of how it works, you can review Visitors Care insurance working example

    International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

    Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.

  • worldtrips VisitorSecure Insurance FAQs

    WorldTrips offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. WorldTrips travel insurance products are ideal for NON US citizens traveling to the US or outside their home country, for US citizens traveling outside the US and international students studying outside their home country. The Atlas America insurance Covid covers Coronavirus and acute onset of pre-existing conditions and is very popular with international travelers.

    WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

    WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

    WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

  • Trawick International  Safe Travels Elite FAQs

    Safe Travels Elite Insurance is an affordable Covid19 travel insurance. Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

    The SafeSafe Travels Elite travel insurance plan by Trawick international is available for foreign residents visiting USA and worldwide and for travelers up to the age of 69 years

    Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.

    Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.

    Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.

    “Including medically necessary treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV”

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    US visitor health insurance - Common Questions

    How can the insured use US visitor health insurance?

    Hospitals and Urgent care – the Insured can produce their visitor medical insurance card at the urgent care in an event of falling sick or injured while in the US. If the insured requires medical assistance then he can visit a hospital where cashless medical services can be availed.

    Prescriptions– The insured can buy prescribed medicines for a medical ailment that occurs during travel and file a claim for reimbursement along with the proof of the receipt.

    Travelers to the US or anywhere outside their home country should have adequate visitor insurance coverage for a safe journey.

    What does Secure USA visitors medical insurance cover?

    Travelers to the US or anywhere outside their home country should have adequate visitor insurance coverage for a safe journey.

    1. Any new sickness or injury that occurs during the trip after the start of the policy.
    2. Accidents or illness occurred during the trip
    3. Medical emergencies and medical evacuation
    4. Cover for hospital treatment ,doctor expenses and prescribed drugs
    5. Some plans cover acute onset of pre-existing conditions
    6. Dental emergencies (again offered by some insurance plans)

    What does the visitor health insurance not cover?

    1. Preventive care like routine health checks, physical examinations, inoculation, vaccination
    2. Regular treatment for pre-existing conditions
    3. Maternity coverage if conception occurs before purchase of visitor health insurance

    What does the visitor health insurance not cover?

    1. Preventive care like routine health checks, physical examinations, inoculation, vaccination
    2. Regular treatment for pre-existing conditions
    3. Maternity coverage if conception occurs before purchase of visitor health insurance

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