Fixed Benefit (Limited Coverage) Insurance Plans

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.

Update Quote and buy fixed benefit insurance plans

Age
Start Date
End Date
Coverage Region
Citizenship
Eligibility
  • US and Non US citizens traveling outside their home country.
  • US citizens traveling outside of US, Alaska, Hawaii, Puerto Rico and US Virgin Islands.
  • People visiting US who are over 65 years of age must purchase this plan within 30 days after arriving in the US
Key Features
  • Available for people 80+ with reduced policy maximum
  • Affordable fixed coverage plan with high policy maximum
  • Covers acute onset of pre-existing condition until age 70 up to policy maximum
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $30.69 PER MONTH BUY
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Eligibility
  • Non US citizens traveling outside their home country or country of citizenship
  • For people over the age of 65, coverage must become effective within 30 days of arrival in the US
Key Features
  • Very affordable fixed coverage.
  • This plan can be purchased for a minimum of 5 days and up to a maximum of 2 years.
  • Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $37.54 PER MONTH BUY
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Eligibility
This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
Key Features
  • It is an affordable medical insurance option available to Non-US citizens traveling to the USA.
  • Pre-existing conditions are covered as any other condition for persons under 80 years of age.
  • Being a fixed plan, provides higher policy maximum options like $50,000, $75,000 and $100,000 for people older than 70 years of age.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $39.06 PER MONTH BUY
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Eligibility
This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).

Key Features
  • Short term travelers to the USA can buy this medical coverage.
  • High maximums available for the 80+ traveler.
  • Acute onset of pre-existing conditions covered as any other illness for persons under 70 years.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $35.03 PER MONTH BUY
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Eligibility
  • This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
Key Features
  • Highest fixed benefit visitor insurance coverage.
  • Can be renewed up to 3 years.
  • Is available up to 69 years only and covers acute onset of pre-existing condition.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $37.24 PER MONTH BUY
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Eligibility
  • This plan is available for Non US citizens and the US citizen expatriates visiting the US.
Key Features
  • This is a short term plan for visitors with full pre existing condition coverage.
  • For people of age group 0-69, for a policy maximum of $100,000, a pre existing maximum of $20,000/$40,000 is available with a pre existing deductible of $1,000/$5,000 respectively. For a policy maximum value of $150,000, a pre existing maximum of $30,000/$60,000 is available with a pre existing deductible of $1,000/$5,000 respectively.
  • For people in age range of 70-99, for a policy maximum of $100,000, a pre existing maximum of $15,000/$25,000 is available with a pre existing deductible of $1000/$5000 respectively.
  • Coronavirus or covid19 is covered by INF Premier Insurance
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • Pre-existing Ded
  • $37.24 PER MONTH BUY
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Eligibility
  • Travelers from other countries traveling to North America.
  • Travelers from the age of 14 days to 89 years of age.
Key Features
  • Covers pre-existing conditions coverage up to chosen maximum limit till the age of 69 years. Upon attaining the age 70 benefits will be reduced to a maximum of $25,000.
  • Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000
  • Renewable up to a period of one year.
  • Coronavirus or covid19 is covered by Safe Travels Insurance
Plan Options
  • Select Age
  • Coverage   
  • Deductible
  • $37.24 PER MONTH BUY
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What is Fixed travel 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.

Fixed benefit visitor insurance USA for covid

Foreign visitors to the US can compare covid travel insurance at American Visitor Insurance to find the best Covid 19 US visitor insurance. There are currently two US insurance providers namely Trawick International and INF insurance offering affordable US Visitors insurance with fixed benefits coverage for coronavirus.

Trawick International Covid19 travel insurance:

Trawick International offers affordable visitor medical insurance for coronavirus (covid-19) with their fixed benefit insurance Safe Travels Visitors to USA. It offers scheduled benefits coverage for accident and sickness medical expenses. It also covers necessary medical treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV-2.

INF Covid 19 US travel insurance

INF visitors health insurance for coronavirus in the US, Canada and Mexico as any other illness. INF premier and INF standard are fixed benefit visitors insurance that’s covers coronavirus.
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