Fixed Benefit Insurance Plans

Safe Travels Advantage Insurance

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Maximum Coverage
Coverage available from $25,000 to $150,000
medical_services
PPO network
Through First health care network
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Acute on set of pre-existing conditions
Covered up to policy maximum for ages 89 years
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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

Visitors Care Insurance

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Maximum Coverage
Coverage available from $25,000 to $100,000
medical_services
PPO network
Through First health care network
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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

VisitorSecure Insurance

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Maximum Coverage
Coverage available from $50,000 to $130,000
medical_services
PPO network
Through United Healthcare network
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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

Safe Travels Elite Insurance

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Maximum Coverage
Coverage available from $25,000 to $175,000
medical_services
PPO network
Through First health care 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

Visit USA Budget Insurance

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Maximum Coverage
$50,000 and $150,000 coverages are available
medical_services
PPO network
Through United Healthcare 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

Travel Medical USA Visitor Basic Insurance

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Maximum Coverage
Coverage available from $25,000 to $150,000
medical_services
PPO network
Through United Healthcare 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

INF standard Insurance

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Maximum Coverage
Coverage available from $50,000 to $150,000
medical_services
PPO network
Through United Healthcare 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

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

Venbrook Essential Insurance

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Maximum Coverage
Coverage available from $25,000 to $150,000
medical_services
PPO network
PHCS PPO Network
ecg_heart
Acute on set of pre-existing conditions
Covered up to policy maximum for ages up to 70 years.
calendar_month
Period of Coverage
5 days to 364 days

cancel
Cancellation
Before Effective Date: Full refund of premium is available
After Effective Date: $25 cancellation fee will be charged by the insurance company.

procedure
Chemotherapy
Up to $1,350 maximum
local_hospital
Private Duty Nurse
Up to $750
procedure
Repatriation
Covers up to $25,000
procedure
Anesthesia
Covers up to $2,000

How much does fixed benefit insurance cost?

The cost of fixed benefit insurance on American Visitor Insurance ranges from $20 to $57 per month.The cost depends on the age of the visitor, medical maximum coverage and deductible.

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

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
VenbrookEssential ^INF	$50,000	$0	$40

Source: American Visitor Insurance®

What are the cost and coverage options for fixed benefit visitor insurance plans in the USA?

The fixed benefit insurance cost starts from $20 per month on American Visitor Insurance. The cost depends on the age of the visitor, medical maximum coverage and deductible.

The average cost based on quotes for $0 deductible and one month duration.

Plan name	Maximum coverage	Acute on set of Pre-existing condition coverage	PPO Network	Monthly Cost
Safe Travels Advantage ^Trawick	$25,000 - $150,000	Up to 89 years	First Health network	$20 - $58
VenbrookEssential ^INF	$25,000 - $150,000	Up to 70 years	PHCS network	$26 - $81
Safe Travels Elite ^WorldTrips	$25,000 - $175,000	Up to 89 years	First Health network	$26 - $76
Visitors Care ^IMG	$25,000 - $100,000	Up to 70 years	United or First Health network	$27 - $58
VisitorSecure ^WorldTrips	$50,000 - $1,000,000	Up to 70 years	United Healthcare network	$44 - $80
Travel Medical USA Visitor Basic ^{Seven Corners}	$50,000 - $150,000	Up to 79 years	United Healthcare network	$54 - $67

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
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Medical expenses Claims$25,100

The Fixed benefit 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 affordable fixed benefit 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.

What are the pros and cons of fixed benefit travel insurance plans?

Pros	Cons
Affordable Premiums: Fixed benefit plans are generally cheaper than comprehensive insurance, making them ideal for budget travelers or short visits.	Limited Coverage Amounts: Fixed payouts may not cover the full cost of treatment, especially in the U.S., leading to significant out-of-pocket expenses.
Simple Benefit Structure: With clearly listed payouts for each service, it's easy to understand what you’ll be reimbursed for.	No Percentage-Based Reimbursement: Unlike comprehensive plans that cover 80–100% of costs, fixed benefit plans cap each service with no flexibility.
Quick and Easy Enrollment: No medical exams or complex paperwork—many plans can be purchased instantly online.	Not Ideal for Serious Medical Needs: May not provide sufficient coverage for hospital stays, surgeries, or emergency care.
Good for Healthy Travelers: Suitable for individuals who expect minimal medical care and want basic protection.	Minimal Extras: Often lacks coverage for trip cancellation, lost baggage, or pre-existing condition benefits.

Are pre-existing conditions covered?

Generally, fixed benefit travel insurance plans do not cover pre-existing conditions. These plans are designed to provide limited, emergency-based coverage and usually exclude any medical conditions that existed before the start of the policy. Some plans may offer minimal coverage for the acute onset of a pre-existing condition meaning a sudden and unexpected recurrence but this is typically limited by age and specific terms.

What happens if medical bills exceed the plan limits in a fixed benefit travel insurance policy?

If your medical expenses exceed the fixed benefit limits of your plan, you are responsible for paying the difference out of pocket. For example, if your plan pays $300 for an emergency room visit but the actual cost is $800, you must pay the remaining $500 yourself. Fixed benefit plans do not adjust or increase their payouts based on actual costs they only reimburse up to the pre-set amount listed in the policy schedule. This is why it’s important to understand the benefit limits before purchasing the plan, especially if traveling to countries with high healthcare costs like the U.S.

Can I cancel or extend my fixed benefit travel insurance plan?

Yes, most fixed benefit plans can be canceled before the start date for a full refund, or within a limited free look period if unused. Extensions are also possible with many plans, as long as you request it before the policy expires and have not filed any claims. Always check your plan's specific terms for cancellation and extension rules.

Are fixed benefit insurance plans suitable for short-term visits?

Yes, fixed benefit insurance plans for short-term visits are ideal for travelers who need coverage for a brief stay. These plans are affordable and provide basic medical benefits for emergency care, hospital stays, and doctor visits, making them perfect for short trips abroad.

What are the best fixed benefit insurance plans for individuals and seniors visiting the USA?

The best fixed benefit insurance plans for individuals including seniors it offer essential medical coverage at lower premiums, making them ideal for short-term stays. Some top-rated options include plans from UnitedHealthcare’s fixed indemnity offerings, VisitorSecure and Safe travels elite. These plans are particularly useful for elderly travelers due to their affordability and basic emergency coverage, though they come with fixed benefit limits.

Visitors insurance for Seniors

Travel medical insurance for seniors over 50 years

Visitor medical insurance for travelers above 60 years

Best travel insurance for over 65s

US Visitors insurance for travelers above 70 years

Visitor medical insurance for travelers above 75 years

Visitor health Insurance for travelers above 80 years

US Visitors insurance for travelers above 90 years

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US Travel medical insurance for older travelers

Fixed benefit visitor insurance - FAQ's

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.

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.

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.

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.

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.

How can I compare quotes and details of popular fixed benefits visitor plans?

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Visitors Care insurance plan from IMG

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

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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.

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Resourceful visitors insurance for pre existing conditions information

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Visitor insurance resources
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