Comprehensive Travel Medical Insurance

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What is Comprehensive travel insurance?

Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies. 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)

What are the best Comprehensive travel medical insurance plans?

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage is available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Not Covered

    • calendar_month

      Period of Coverage
      5 days to 364 days and it can be renewed up to 24 months

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent care
      $25 copay

    • medical_services

      Chiropractic Care
      Up to the maximum limit

    • emergency

      Emergency reunion
      $100,000 maximum limit

    • ambulance

      Evacuation
      Up to the maximum limit

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage is available

    • medical_services

      PPO network
      Through First health care network First Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Covers unexpected recurrence of pre-existing conditions up to $1,000

    • calendar_month

      Period of Coverage
      Coverage available from 5 days to 364 days and it can be renewed

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • cardiology

      Cardiac conditions
      Covered

    • dentistry

      Dental Treatment
      $250 per Policy Period

    • enterprise_off

      Trip Interruption
      $5,000

    • ambulance

      Evacuation
      100% up to $2,000,000

    • request_quote

      Max Coverage
      $50,000 to $2,000,000 coverage is available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      Available up to 364 days and it can be renewable

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent care
      Up to $15 co-payment

    • no_accounts

      Lost or Stolen Passport
      Up to 100

    • enterprise_off

      Trip Interruption
      Up to $10,000

    • ambulance

      Evacuation
      $1,000,000 lifetime maximum

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage is available

    • medical_services

      PPO network
      Through First health care network First Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      Coverage available from 5 days to 364 days and it can be renewed

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent care
      $30 per Incident

    • medical_services

      Physiotherapy
      Limited to $50 per visit

    • enterprise_off

      Trip Interruption
      $5,000

    • ambulance

      Evacuation
      100% up to $2,000,000

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage is available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      5 days to 364 days and it can be renewed up to 24 months

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent care
      $25 copay

    • local_hospital

      Walk-In Clinic
      $15 copay

    • medical_services

      Chiropractic Care
      Up to the maximum limit

    • emergency

      Emergency reunion
      $100,000 maximum limit

    • ambulance

      Evacuation
      Up to the maximum limit

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage is available

    • medical_services

      PPO network
      Does not belong to any ppo network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      15 days to 364 days, not renewable

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent care
      80% of first $5,000, then 100%

    • no_luggage

      Loss of Baggage
      $50 per article, max $250

    • enterprise_off

      Trip Interruption
      Covers up to $5,000

    • ambulance

      Evacuation
      Covers up to $250,000

    • request_quote

      Max Coverage
      $75,000 and $200,000 coverages are available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Acute on set of pre-existing condition
      Covered up to $20,000 for under 65 years and $2,500 for 65+

    • calendar_month

      Period of Coverage
      5 days to 364 days

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium
      After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period

    • local_hospital

      Urgent Care
      $50 co-payment

    • enterprise_off

      Trip Interruption
      Up to $5,000

    • procedure

      Repatriation
      Equal to the max limit

    • ambulance

      Evacuation
      50,000 lifetime maximum

    • request_quote

      Max Coverage
      $50,000 and $100,000 coverage’s are available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions is covered up to policy maximum

    • calendar_month

      Period of Coverage
      90 days up to 364 days and it cannot be extended

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • dentistry

      Emergency dental
      up to $250

    • medical_services

      Home health care
      Up to policy maximum

    • local_hospital

      Urgent Care Clinic
      Up to $30 copay

    • ambulance

      Evacuation
      Up to $250,000

    • request_quote

      Max Coverage
      $150,000 to $1,000,000 coverage is available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Covers full pre-existing conditions

    • calendar_month

      Period of Coverage
      Coverage for minimum of 90 days up to 364 days and it can be renewable

    • cancel

      Cancellation
      Must be submitted 24 hours before the plan start date. There are no exceptions to this policy. Initial INF membership fee of $10 and $5 administration fee is non-refundable You may fax the completed forms to 408-520-4967 or email to support@infplans.com. Incomplete forms or forms without an authorized signature will not be processed. Learn more open_in_new

    • procedure

      Chemotherapy
      Covered

    • medical_services

      Physiotherapy
      $50 per visit, max $500

    • procedure

      Repatriation
      Covers up to $20,000

    • ambulance

      Evacuation
      Covers up to $25,000

    • request_quote

      Max Coverage
      $50,000 to $150,000 coverage is available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Covers pre-existing condition Up to $25,000 with a $1,500 deductible

    • calendar_month

      Period of Coverage
      90 days up to 364 days and it cannot be extended

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • dentistry

      Emergency dental
      Up to $300

    • medical_services

      Emergency reunion
      $100,000 maximum limit

    • local_hospital

      Urgent Care Clinic
      Up to $50 copay

    • ambulance

      Evacuation
      Up to $25,000 maximum limit

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage available

    • medical_services

      PPO network
      Through First health care network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Covers unexpected recurrence of pre-existing conditions up to $1,000

    • calendar_month

      Period of Coverage
      Coverage available from 5 days to 364 days and it can be renewed

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • cardiology

      Cardiac conditions
      Covered

    • dentistry

      Dental Treatment
      $500 per Policy Period

    • enterprise_off

      Trip Interruption
      $7500

    • ambulance

      Evacuation
      100% up to $2,000,000

    • request_quote

      Max Coverage
      $50,000 to $2,000,000 coverage available

    • medical_services

      PPO network
      Through First health care network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      available up to 364 days and it can be renewable

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent Care
      Up to $15 co-payment

    • no_accounts

      Lost or Stolen Passport
      Up to $100

    • enterprise_off

      Trip Interruption
      Up to $10,000

    • ambulance

      Evacuation
      $1,000,000 lifetime maximum

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage available

    • medical_services

      PPO network
      Plan is part of IPA(MG's proprietary International Provider Access)

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      5 days to 364 days and it can be renewed up to 24 months

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent Care
      $25 copay

    • local_hospital

      Walk-In Clinic
      $15 copay

    • medical_services

      Chiropractic Care
      Up to the maximum limit

    • emergency

      Emergency reunion
      $25,000 per member

    • ambulance

      Evacuation
      Up to the maximum limit

    • request_quote

      Max Coverage
      $50,000 to $150,000 coverage is available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      5 days to 364 days, cannot be renewed

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium
      After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent Care
      Up to $50 co-payment

    • dentistry

      Emergency Dental
      Up to $200

    • procedure

      Repatriation
      Covers up to $50,000

    • ambulance

      Evacuation
      Covers up to $500,000

    • request_quote

      Max Coverage
      $50,000 to $2,000,000 coverage is available

    • medical_services

      PPO network
      Through United Healthcare network United Healthcare Provider Network

    • ecg_heart

      Pre-existing condition
      Acute on set of pre-existing conditions covered up to policy maximum

    • calendar_month

      Period of Coverage
      Available up to 364 days and it can be renewable

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • local_hospital

      Urgent care
      Up to $15 co-payment

    • no_accounts

      Lost or Stolen Passport
      Up to $100

    • enterprise_off

      Trip Interruption
      Up to $15,000

    • ambulance

      Evacuation
      $1,000,000 lifetime maximum

    • request_quote

      Max Coverage
      $50,000 to $1,000,000 coverage’s are available

    • medical_services

      PPO network
      This plan is part of First Healthcare network

    • ecg_heart

      Pre-existing condition
      Pre-existing conditions are covered after 6 months of waiting period

    • calendar_month

      Period of Coverage
      Coverage available from 1 day to 180 days and it can be renewed

    • cancel

      Cancellation
      100% refund for plans cancelled prior to the effective date. All cancellations must be submitted in writing and are based on the date received

    • enterprise_off

      Trip Interruption
      up to $7,500

    • schedule

      Trip Delay
      $2,000 ($150 per day) (12 hours)

    • person

      Repatriation of remains
      $50,000

    • ambulance

      Evacuation
      $500,000

    • request_quote

      Max Coverage
      $50,000 and $100,000 covreages are available

    • medical_services

      PPO network
      Plan is part of IPA(MG's proprietary International Provider Access)

    • ecg_heart

      Pre-existing condition
      Covers recurrence of pre-existing condition up to $2,500

    • calendar_month

      Period of Coverage
      Coverage up to 364 days and it can be renewed

    • cancel

      Cancellation
      Before Effective Date: You will receive a full refund of the premium.
      After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

    • medication

      Prescription drugs
      Up to the plan maximum limit

    • visibility

      Emergency eye examination
      $150 maximum limit

    • person

      Political evacuation
      $50,000 maximum limit

    • ambulance

      Evacuation
      $250,000 maximum limit

    • request_quote

      Max Coverage
      $50,000 and $1,000,000 covreages are available

    • medical_services

      PPO network
      Freedom to choose any international doctor or facility for services

    • ecg_heart

      Pre-existing condition
      Covers after 6 months look back period

    • calendar_month

      Period of Coverage
      Coverage up to 182 days

    • cancel

      Cancellation
      Notify writing indicating your desire to cancel. If you have not departed on your trip before the date of the communication, you will receive a full refund.

    • medication

      Emergency dental
      Up to $300 maximum per Trip Period and $200 per tooth

    • ambulance

      Emergency evacuation
      Up to $500,000

    • person

      Repatriation Of Remains
      Up to $25,000

    • ambulance

      Hazardous Activities
      $10,000

How much does Comprehensive travel insurance cost?

The comprehensive travel insurance cost per month can range from $40 to $176 or more for a single trip. The cost of travel insurance focused on health depends on several factors, including the traveler's age and health (older the traveler, higher the cost), the destination and duration of the trip (insurance for travel to the U.S. is typically more expensive), the level of medical coverage selected (higher coverage increases the cost), the deductible and co-insurance options, and any additional benefits like coverage for pre-existing conditions, which can raise the premium.

The average cost of comprehensive travel insurance is based on quotes for a 40-year-old for one month.

what does comprehensive travel insurance cover?

Visitor Insurance plans with comprehensive coverage are better when compared to the fixed or scheduled benefit insurance plans because they do have limits on coverage for each medical service and offers coverage for travelers up to the policy medical maximum.

Do not have benefit limits based on the type of medical expense. Pays for all expenses after the deductible and co-insurance component. Have PPO networks that is cashless service like direct billing. More discounted rates and easily accepted within the PPO network.

For example: Typically for all covered medical expenses during the plan period the insured pays the deductible plus 20% of the first $5,000 as co-insurance; after which the plan pays 100% of the eligible medical expenses upto the plan maximum. There are other variances of the co-insurance, where the plan pays 90% and insured pays 10% up to $5,000
There are many Comprehensive visitor insurance USA offered by reputed insurance companies available for review and purchase on the website. The coverage can be accessed in the plan details or the plan brochure. You can compare popular travel insurance for USA. All the available visitors insurance plans are listed below:

How does Comprehensive travel insurance works?

Consider an example where your:

  • full_coverage

    Insurance coverage $50,000

  • attach_money

    Deductible $500 per certificate period

  • draft

    Medical expenses Claims$26,500

Below is a simple calculation showing how much the plan/insurance company pays you:

  • Subtract the deductible from claims amount - $26,500 minus $500 equals $26,000. Insured bears $500
  • Apply 100% coinsurance
  • Plan/insurance company pays: $26,500 minus $500 equals $26,000 and insured bears $500
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $500 $0 $500
Days in hospital $3,000/day for 3 days $6,000 $0
Surgery $18,000 $18,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $23,500 $26,000 $500
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Comprehensive travel insurance frequently asked questions

01. What is comprehensive travel medical insurance for the USA?

Comprehensive travel medical insurance for the USA is the best type of travel insurance that provides coverage for various aspects of travel to the United States. Comprehensive visitors travel insurance is more expensive when compared to fixed benefits travel insurance, but the coverage benefits is significantly higher.

02. What does comprehensive travel insurance cover?

Comprehensive travel insurance plans covers

  • Emergency medical room services
  • Urgent Care
  • Emergency medical evacuation
  • Emergency dental
  • Political evacuation
  • Pre-existing conditions
  • Prescription Drugs
  • Lost luggage
  • Repatriation of remains

03. What does comprehensive travel medical insurance for the USA typically cover?

Comprehensive travel medical insurance for the USA covers medical expenses for accidents or illnesses, emergency medical evacuation and repatriation and some plans may include coverage for pre-existing conditions.

04. Is comprehensive travel health insurance mandatory for entering the USA?

No, comprehensive visitors travel insurance is generally not mandatory for the USA. However, it is highly recommended as US healthcare costs are extremely high, and having visitors insurance coverage can help protect you financially in case of unexpected medical issues or emergencies.

05. Can comprehensive visitors medical insurance cover pre-existing conditions?

Some comprehensive travel health insurance plans may offer coverage for pre-existing conditions, others may provide limited coverage for acute onset of pre-existing conditions while still others may exclude them. It's important to compare the plans on American Visitor Insurance and to review the policy details and exclusions to understand what is covered.

06. How much does comprehensive visitors travel insurance for the USA cost?

The cost of comprehensive travel medical insurance for the USA varies depending on factors such as your age, trip duration, coverage limits, and any optional add-ons you choose. Typically, the cost can range from 5% of your trip cost to around 10% of the total trip cost.

07. Can comprehensive US travel insurance cover trip cancellation or interruption?

Yes, comprehensive travel insurance with trip cancellation coverage for the USA typically includes coverage for trip cancellation or interruption due to covered reasons such as illness, injury, death of a family member, natural disasters, or other unforeseen circumstances. However, travel insurance without trip cancellation coverage will not cover trip interruption costs. It is important to compare the options on American Visitor Insurance and to review the policy details.

08. Does comprehensive US visitors travel insurance cover emergency medical evacuation?

Yes, comprehensive travel insurance for the USA includes coverage for emergency medical evacuation. If you require immediate medical attention and the local facilities are unable to provide adequate treatment, the insurance will cover the cost of transporting you to the nearest suitable medical facility.

09. How do I purchase comprehensive travel medical insurance for the USA?

You can purchase comprehensive travel insurance for the USA on American Visitor Insurance. Here the best US travel insurance plans are objectively reviewed and compared based on price and coverage benefits. It is recommended to compare different plans at americanvisitorinsurance.com, read policy details, and choose the coverage that best suits your needs.

10. What should I do if I need to make a claim?

If you need to make a claim, contact your travel insurance provider as soon as possible. They will guide you through the claims process and provide the necessary forms and documentation requirements. It is important to keep all relevant receipts, medical reports, and other supporting documents for your claim.

11. Can I extend my comprehensive travel health insurance coverage if my trip gets extended?

Some insurance providers offer the option to extend your comprehensive travel insurance coverage if your trip gets extended. However, this usually needs to be done before the original coverage period expires, and additional premium may be required. Contact American Visitor Insurance and talk to a licensed agent at +1-(877)-340-7910 to get help in this regard.

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