Imagine falling sick or getting injured while the U.S. resulting in hospitalization with expensive bills.
How about getting treated in a hospital where the insurance company will coordinate with the hospital and pay the medical bills directly and you won’t need to pay first at all that’s when Cashless travel insurance will come to your rescue.
Cashless travel insurance is a type of travel medical insurance where the insurance company directly settles eligible medical bills with the hospital or healthcare facility within the network and you need not pay out of pocket (except for deductibles and coinsurance if any).
No. Only network hospitals partnered with your insurance company offer cashless services. In case you visit an out-of-network hospital, you may have to pay first and then file for reimbursement.
No it is just available for medical emergencies. Non-medical claims like trip cancellation or baggage loss typically go through a reimbursement process.
Check the policy wording on the insurance brochure and look for Look for words like, Cashless hospitalization, Direct billing, Network hospitals worldwide. You can also contact American Visitor Insurance for any clarity on the travel insurance being cashless or not.
PPO network, for cashless claims Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
364 days
PPO network, for cashless claims Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 364 days
or United Health Care PPO network, for cashless claims Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500
Period of coverage?
5 days to 12 months
PPO network, for cashless claims Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 12 months
or United Health Care PPO network, for cashless claims Policy maximum?
$1,000,000, $2,000,000, $5,000,000, $8,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Period of coverage?
15 days to 365 days
PPO network, Great Savings with UHC PPO Policy maximum?
$100,000, $150,0000, $300,000, $500,000, $1,000,000
Deductible options?
$75, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
90 days to 364 days
PPO network, Great Savings with UHC PPO, Cashless Guarantied via INF-Robin Assist Policy maximum?
$150,0000, $300,000
Deductible options?
$500, $1,000, $2,500, $5000
Period of coverage?
90 days to 364 days
The monthly cost of the best cashless travel insurance plans ranges from $43 to $127. The cost may varies depending on the age of the traveler, the plan maximum and the deductible.
Average cost of cashless travel insurance USA for a month.
| Plan Name | Coverage Limit | Deductible | PPO Network | Cashless Available | Cost per Month |
|---|---|---|---|---|---|
| Patriot America Lite IMG | $50,000 - $1,000,000 | $0 - $2,500 | United HealthCare or First healthcare network |
Yes | $48 |
| Atlas America WorldTrips | $50,000 - $2,000,000 | $0 - $5,000 | United HealthCare |
Yes | $46 |
| Safe Travels USA Comprehensive Trawick International | $50,000 - $1,000,000 | $0 - $5,000 | First healthcare network |
Yes | $55 |
| Atlas America Premium WorldTrips | $50,000 - $2,000,000 | $0 - $5,000 | United HealthCare |
Yes | $58 |
| Patriot America Platinum IMG | $1,000,000 - $8,000,000 | $0 - $25,000 | United HealthCare or First healthcare network |
Yes | $63 |
| INF Safe Travels USA X INF | $150,000 - $300,000 | $500 - $5,000 | United HealthCare |
Yes (Via INF Robin Assist) | $127 |
| INF Standard X INF | $50,000 - $150,000 | $75 - $5,000 | United HealthCare |
Yes (Via INF Robin Assist) | $43 |
The cost of cashless travel insurance for a 3 month USA trip ranges from $214 to $525. The cost may is based on the age of the traveler, the plan maximum and the deductible.
The average cost of visitor insurance with cashless claims based on quotes for 3 months.
| Plan Name | Coverage Limit | Deductible | PPO Network | Cashless Available | Cost per 3 Month |
|---|---|---|---|---|---|
| INF Premier X INF | $100,000 - $1,000,000 | $75 - $5,000 | United HealthCare |
Yes (Via INF Robin Assist) | $214 |
| INF Elite X INF | $150,000 - $300,000 | $500 - $5,000 | United HealthCare |
Yes (Via INF Robin Assist) | $454 |
| INF Elite X 90 INF | $150,000 - $300,000 | $100 - $5,000 | United HealthCare |
Yes (Via INF Robin Assist) | $525 |
Cashless travel insurance offers visitors to the USA to receive medical treatment without paying anything at the time of treatment. The insurance company will claim bills directly through ppo network providers.
No, only some plans are work with provider networks such as United HealthCare or First Health Care PPO offer cashless claims.
Some popular plans like Atlas America, Safe Travels USA Comprehensive, INF Elite X, Patriot America Plus plans offer cashless claims in ppo network.
While they’re closely connected, but they are not exactly the same. Direct billing is the process that makes cashless claims possible. In this case, the healthcare provider sends the bill straight to the insurance company, so the patient does not need to pay anything at the time of treatment.
The Cashless travel insurance cost for 3 months ranges from $214 to $525 for 40 year old traveler. The cost may varies depending on the age of the traveler, duration, the plan maximum and the deductible.
Yes, some plans like INF Elite X and INF Premier X offer cashless coverage for certain pre-existing conditions, especially if coordinated with partners like INF Robin Assist.
Usually just the deductible or coinsurance if applicable needs to be paid. Everything else is billed directly to the insurance company if you use an PPO network.
Yes, many US visitors insurance plans like Atlas America, INF Elite X and Safe Travels USA Comprehensive plans offer cashless options for seniors, though premiums may be higher. These plans also covers pre-existing conditions.
Patriot America Platinum from IMG is the best plan with cashless claims for visitors to the USA. This plan offers medical maximum up to $8,000,000. Direct billing through United Health Care ppo or First Health Care ppo networks.
INF Standard X plan from INF is the cheapest travel insurance with cashless claims. This plan offers medical maximum from $50,000 to $1,000,000. Direct billing through United Health Care ppo and Cashless Guarantied via INF-Robin Assist.
Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
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