What Are Fixed Benefit Travel Insurance Plans?
Fixed benefit travel insurance, is a type of visitor medical insurance that pays a fixed amount for each covered medical service. Instead of covering the full medical bill, the insurance plan pays a pre-defined limit for services such as doctor visits, hospital stays, surgery, or emergency medical treatment.
person Who Should Choose Fixed Benefit Plans?- Visitors looking for cheap travel medical insurance.
- Parents visiting the USA.
- Travelers who want basic emergency medical coverage.
Understanding Seven Corners Fixed Benefit Travel Insurance for USA Visitors
Fixed benefit plans are popular among tourists, international visitors, and parents visiting the USA because they offer affordable travel medical coverage compared to comprehensive insurance plans. While these plans help reduce medical expenses during unexpected illness or injury, they pay only the specified benefit limit for each service, and any remaining balance must be paid by the traveler.
file_copy Types of Seven Corners Fixed Benefit Travel Insurance PlansSeven Corners offers different fixed benefit visitor insurance plans for travelers visiting the United States. Some of the popular options include:
Travel Medical USA Visitor Basic
Travel Medical USA Visitor Basic plan is a budget-friendly fixed benefit travel insurance plan designed for international visitors to the USA. It provides coverage for unexpected illness, injury, hospital care, and emergency medical services during the trip.
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Available to non-US citizens traveling to the United States
Coverage extends to Spouse, Traveling Companions, and Children
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- Fixed benefit plan with a policy maximum of up to $150,000 for travelers under 70, and up to $100,000 for ages 70–99.
- Designed exclusively for non-US citizens visiting the USA. Most affordable option in the Seven Corners lineup.
- Mental health and substance abuse disorders are covered on the same basis as any other illness.
- Some benefits such as chemotherapy and radiation therapy require pre-certification before treatment.
$150K Max (Under 70)$100K Max (70–99)$50K Pre-existing (≤69)$25K Pre-existing (70–79) -
A full refund of your plan cost is available if a written cancellation request is received before your coverage start date.
If the request is received after coverage has begun, the unused portion may be refunded minus a cancellation fee provided no claims have been submitted.
Refunds are not available if any claims have been filed under the policy. -
Age Range Coverage Amount Status 14 days – 69 years $50,000 ✓ Covered 70 – 79 years $25,000 ✓ Covered 80 years and older — Not available
Travel Medical USA Visitor Choice
Travel Medical USA Visitor Choice plan offers flexible coverage options with fixed benefit limits and is suitable for travelers who want affordable visitor medical insurance with different deductible and policy maximum options.
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Available to non-US citizens traveling to the United States
Coverage extends to Spouse, Traveling Companions, and Children
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- Enhanced fixed benefit plan with a policy maximum of up to $150,000 for travelers under 70, and up to $100,000 for ages 70–99.
- Extendable coverage for longer stays up to 1,092 days, making it ideal for extended visits and long-term stays.
- Higher pre-existing condition coverage $75,000 for travelers under 70, compared to $50,000 in the Basic plan.
- Mental health and substance abuse disorders are covered on the same basis as any other illness.
$150K Max (Under 70)$100K Max (70–99)$75K Pre-existing (≤69)$25K Pre-existing (70–79) -
A full refund of your plan cost is available if a written cancellation request is received before your coverage start date.
If the request is received after coverage has begun, the unused portion may be refunded minus a cancellation fee provided no claims have been submitted.
Refunds are not available if any claims have been filed under the policy. -
Age Range Coverage Amount Status 14 days – 69 years $75,000 ✓ Covered 70 – 79 years $25,000 ✓ Covered 80 years and older — Not available
Comparison of the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice Plans
Compare Travel Medical USA Visitor Basic vs Choice plans affordable short-term and long-term health insurance for non-U.S. residents visiting the USA, with coverage up to $150,000.
| Plan | Maximum Coverange | Pre-existing Coverange | Best for |
|---|---|---|---|
| Travel Medical USA Visitor Basic | $150,000 | $25,000 | budget travelers |
| Travel Medical USA Visitor Choice | $150,000 | $75,000 | More flexible |
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Why Choose Fixed Benefit Travel Insurance Plans?
Fixed Benefit Travel Insurance Plans are a cost-effective option for international travelers looking for affordable visitor medical insurance during their trip. These plans pay a fixed amount for specific medical services, helping travelers manage medical expenses while traveling abroad.
- Affordable Travel Insurance- Fixed benefit plans usually have lower premiums, making them a budget-friendly option for travelers.
- Predictable Coverage- These plans pay a fixed amount for specific medical services, helping travelers understand what benefits they will receive.
- Suitable for Short-Term Travel- Ideal for visitors, tourists, and parents traveling abroad who need basic travel medical protection.
- Covers Common Medical Expenses- Provides benefits for hospital stays, doctor visits, emergency services, and ambulance charges.
- Simple and Easy to Use- Fixed benefit plans are easy to understand, with clear coverage limits for each medical service.
- Good for Budget Travelers- A practical choice for travelers looking for low-cost visitor medical insurance with essential coverage.
Travel Medical USA Visitor Insurance - FAQ's
Non-U.S. residents traveling to the USA, aged 14 days to 99 years, excluding Green Card/Permanent Resident holders.
Basic covers up to 364 days. Choice can be extended up to 1,092 days (3 years) for longer stays.
Yes, a full refund is available before the coverage start date. After the start date, unused premiums may be refunded minus a $35 cancellation fee, provided no claims have been filed.
This plan provides secondary coverage, meaning it pays after any other existing insurance is exhausted. It is secondary to all other insurance except Medicaid.
You can purchase the Seven Corners Travel Medical USA Visitor plan directly through americanvisitorinsurance.com a trusted marketplace for visitor health insurance in the USA, offering easy plan comparison, instant quotes, and secure online purchase.
Yes, fixed benefit insurance plans are usually cheaper than comprehensive travel insurance plans. They have lower premiums because they pay limited, fixed benefits for covered medical services rather than covering the full cost up to the policy maximum.
Yes, Seven Corners visitor insurance plans are widely recognized for providing reliable travel medical coverage for international visitors. They offer several plans with affordable premiums, emergency medical coverage, and worldwide assistance services, making them a popular choice for travelers visiting the USA or traveling internationally.
Yes, parents visiting the United States can purchase fixed benefit visitor insurance plans. These plans are often chosen by families because they provide affordable travel medical coverage for senior travelers and parents visiting the USA for short-term trips.
