Fixed Benefit Insurance Plans

Compare and buy fixed benefit insurance

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What is fixed benefit insurance?

Clearly defined limits under fixed benefits coverage. Fixed travel insurance plan is more affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses. Fixed travel insurance for USA plan is the cheapest options in the market definitely more affordable Fixed benefit travel insurance plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

What are the best fixed benefit travel health insurance plans?

  • request_quote

    Max Coverage
    Coverage available from $25,000 to $150,000

  • medical_services

    PPO network
    Through First health care network First Healthcare Provider Network

  • ecg_heart

    Acute on set of pre-existing conditions
    Covered up to policy maximum for ages 89 years

  • 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.

  • ambulance

    Evacuation
    Unlimited

  • procedure

    Repatriation
    Up to $25,000 per Policy Period

  • cardiology

    Cardiac Conditions
    Covered

  • dentistry

    Dental Treatment
    $750 per Incident

  • request_quote

    Max Coverage
    Coverage available from $25,000 to $100,000

  • medical_services

    PPO network
    Through First health care network United Healthcare Provider Network

  • ecg_heart

    Acute on set of pre-existing conditions
    Covered up to policy maximum for ages upto 70 years.

  • calendar_month

    Period of Coverage
    5 days 365 days and renewable up to 2 years

  • 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 Clinic
    $200 max per visit

  • medication

    Prescription
    $250 per coverage period

  • procedure

    Chemotherapy
    $1,350 max per visit

  • ambulance

    Evacuation
    Maximum limit 50,000

  • request_quote

    Max Coverage
    Coverage available from $50,000 to $130,000

  • medical_services

    PPO network
    Through United Healthcare network United Healthcare Provider Network

  • ecg_heart

    Acute on set of pre-existing conditions
    Covered up to policy maximum for ages upto 70 years.

  • calendar_month

    Period of Coverage
    Available for 364 days, travelers who wish to get extended coverage can renew Visitor Secure insurance online

  • 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

  • medication

    Prescription Drugs
    $300 maximum

  • local_hospital

    Private duty nurse
    $700 maximum

  • procedure

    Repatriation
    $25,000 per member

  • ambulance

    Evacuation
    50,000 lifetime maximum

  • request_quote

    Max Coverage
    Coverage available from $25,000 to $175,000

  • medical_services

    PPO network
    Through First health care network First Healthcare Provider Network

  • ecg_heart

    Acute on set of pre-existing conditions
    Covered up to policy maximum for ages upto 89 years.

  • 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.

  • medication

    Prescription drugs
    $250 per Incident

  • procedure

    Chemotherapy
    $1,100 per Incident

  • ambulance

    Evacuation
    $50,000

  • procedure

    Repatriation
    $7,500 per Policy Period

  • request_quote

    Max Coverage
    $50,000 and $150,000 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
    Coverage available from $25,000 to $150,000

  • medical_services

    PPO network
    Through United Healthcare network United Healthcare Provider Network

  • ecg_heart

    Acute on set of pre-existing conditions
    Covered up to policy maximum for ages up to 79 years.

  • 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.

  • medication

    Prescription drugs
    Up to $200 per period of coverage

  • procedure

    Surgery
    Up to $3,000

  • ambulance

    Evacuation
    $100,000

  • procedure

    Emergency dental
    up to $500

  • procedure

    Anesthetist
    Up to $500

  • request_quote

    Max Coverage
    Coverage available from $50,000 to $150,000

  • medical_services

    PPO network
    Through United Healthcare network United Healthcare Provider Network

  • ecg_heart

    Pre-existing condition
    Not available

  • calendar_month

    Period of Coverage
    30 days 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
    Up to $1,250 maximum

  • local_hospital

    Private Duty Nurse
    Up to $5,000

  • procedure

    Repatriation
    Covers up to $20,000

  • ambulance

    Evacuation
    Covers up to 25,000

How much does fixed benefit insurance cost?

Fixed benefit plans Policy maximum Deductible Cost
Safe Travels Advantage Trawick $25,000 $0 $20
Visitors Care IMG $25,000 $100 $21
Safe Travels Elite WorldTrips $25,000 $0 $26
Visit USA Budget Travel Insure $50,000 $250 $32
VisitorSecure WorldTrips $50,000 $100 $34
Travel Medical USA Visitor Basic Seven Corners $50,000 $100 $42
INF Standard INF $50,000 $250 $57

The average cost of cheap visitor health insurance is based on quotes for a 40-year-old for one month.

How does fixed benefit insurance works?

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000

  • full_coverage

    Insurance coverage $50,000

  • attach_money

    Deductible $100 per certificate period

  • draft

    Medical expenses Claims$25,100

The Visitors Care plan covers clearly defined amounts for different medical situations up to a medical maximum coverage ($50,000). The insured must pay the deductible ($100). After that, the insurance plan pays fixed amount as defined in the policy for specific treatment. In this hypothetical example described in the table, the insured has to pay $17,050. This is the difference between the fixed amount the insurance pays and the actual billed amount.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $1,400/day for 3 days $1,800
Surgery $17,000 $3,300 $13,700
Prescription Drugs $800 $250 $550
X Ray $1,700 $800 $900
Total: $25,100 $8,550 $17,050
* 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.

What does cheap medical travel insurance cover?

Fixed benefit visitors insurance plans are ideal for travelers looking for inexpensive medical coverage. These best travel insurance for USA have specific medical benefit limits for medical expenses. The individual fixed limits are clearly mentioned in the policy brochure and depends on the plan and insurer. Travelers can use the compare tool on this website and select a plan according to their requirements.
For example: If you buy a fixed benefit plan with a medical maximum of $50,000, then the plan will pay only $3,300 for a surgical procedure, if you need an X-ray the plan will pay between $300 and $650 depending on the chosen plan maximum.
These plans are also called Scheduled Benefit or limited coverage Insurance Plans. Typically these plans are much cheaper but have limited benefits when compared to Comprehensive coverage Insurance Plans.

US travel insurance

Fixed benefit visitor insurance - FAQ's

1.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 the travel insurance for visitors be purchased 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.

2.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.

3.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.

4.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.

5.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 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.

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Popular fixed benefits plans

Visitors Care insurance plan from IMG

IMG Visitors insurance protects one in the event of unexpected illness or injury while traveling outside the country.

Click here to read more »

Visitor Secure Insurance from WorldTrips

It is the fixed benefit plan offered by WorldTrips for international visitors traveling overseas and for US citizens traveling outside of the US.

Click here to read more »
Compare quotes and details of popular fixed benefits visitor insurance plans:
F Fixed Benefits Plans

US travel insurance providers offering fixed benefits

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Expertise in offering travel insurance
20+ years!
US health insurance
Customers from
All U.S. states!
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Customers from over
180 countries!
handshake
Expertise in offering travel insurance
20+ years!
US health insurance
Customers from
All U.S. states!
globe
Customers from over
180 countries!