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.

What is Fixed benefit 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.

Update Quote and buy fixed benefit insurance plans

Age
Start Date
End Date
Coverage Region
Citizenship
Eligibility
  • Cheap travel insurance for non-us citizens traveling to the USA.
  • This plan is available for green card holders.
Key Features
  • This is a fixed benefits insurance plan from Trawick International and is available for ages 14 days to 89 year..
Select Age
Coverage
Deductible
  • Acute onset of pre-existing condition is covered up to policy maximum for ages up to 89 years.
  • Cardiac Conditions or Treatment $25,000 per Policy Period Limit up to age 69 at age 70, it is limited to $15,000.
  • Coinsurance the plan pays up to 80%
loading
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.
Select Age
Policy Max
Deductible
loading
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
Eligibility
  • 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
Select Age
Policy Max
Deductible
loading
Eligibility
  • For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries
  • This plan is available for green card holders.
Key Features
  • This is a fixed benefits insurance plan from Trawick International and is available as Economy, Basic, Silver, Gold and Platinum with different policy maximum options for each.
Select Age
Coverage
Deductible
  • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
  • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 89.
  • Visitors insurance plan is renewable up to 24 months and has a maximum lifetime of 364 days.
loading
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.
Select Age
Policy Max
Deductible
loading
Eligibility
  • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Key Features
  • This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
  • Coverage for Pre-Existing Conditions to $1M.
Select Age
Policy Max
Deductible
Pre-existing Ded
  • Premier plan provides policy maximum $100k covers pre-existing condition maximum of $20k/$40k with deductible $1k/$5k, policy maximum $150k covers pre-existing condition maximum of $30k/$60k with deductible $1k/$5k and policy maximum $300k covers pre-existing condition maximum of $50k/$100k with deductible $1k/$5k, policy maximum $500k covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years and policy maximum $1M covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years.
  • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15k/$25k with deductible $1k/$5k.
loading
Eligibility
  • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Key Features
  • This fixed plan from INF provides pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
  • Covers preventive & maintenance care
Select Age
Policy Max
Deductible
  • Premier Plus plan provides policy maximum $300k covers pre-existing condition maximum of $50k/$100k with deductible $1k/$5k for age 0 to 69 years.
  • Coverage for TDAP, Flu, etc Vaccines
  • Stable pre-Existing conditions are covered as new sickness
  • 3 free priority pass lounge visits
loading

US travel insurance

Fixed benefit visitor insurance - FAQ's

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.

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.

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.

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.

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.

Get quotes for international travel insurance!
Review and compare the best international travel health insurance.
Compare International travel quotes
Find the best international travel insurance

International travel insurance blogs and articles

Fixed benefit vs Comprehensive Visitors insurance

Differences between Limited and Comprehensive benefit travel medical insurance plans for visitors

Click here to read more »

Eligibility for buying visitor health insurance

Eligibility for buying visitors insurance when travelling to USA

Click here to read more »

US visitor insurance for emergency & urgent care

Difference between urgent and Emergency care in US.

Click here to read more »

Fixed benefits vs Comprehensive Plans

Compare differences between fixed and comprehensive visitor insurance plans.

Click here to read more »

Best American travel insurance plans

Find best travelers insurance America.

Click here to read more »

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 »

Resources for international travel insurance

Compare quotes and details of popular fixed benefits visitor insurance plans:
F Fixed Benefits Plans

US travel insurance providers offering fixed benefits


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!