Maximum Coverage
Coverage available from $25,000 to $150,000
PPO network
Through First health care network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages 89 years
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
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.
Evacuation
Unlimited
Repatriation
Up to $25,000 per Policy Period
Cardiac Conditions
Covered
Dental Treatment
$750 per Incident
Maximum Coverage
Coverage available from $25,000 to $100,000
PPO network
Through First health care network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages upto 70 years.
Period of Coverage
5 days 365 days and renewable up to 2 years
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.
Urgent Care Clinic
$200 max per visit
Prescription
$250 per coverage period
Chemotherapy
$1,350 max per visit
Evacuation
Maximum limit 50,000
Maximum Coverage
Coverage available from $50,000 to $130,000
PPO network
Through United Healthcare network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages upto 70 years.
Period of Coverage
Available for 364 days, travelers who wish to get extended coverage can renew Visitor Secure insurance online
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
Prescription Drugs
$300 maximum
Private duty nurse
$700 maximum
Repatriation
$25,000 per member
Evacuation
50,000 lifetime maximum
Maximum Coverage
Coverage available from $25,000 to $175,000
PPO network
Through First health care network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages upto 89 years.
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
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.
Prescription drugs
$250 per Incident
Chemotherapy
$1,100 per Incident
Evacuation
$50,000
Repatriation
$7,500 per Policy Period
Maximum Coverage
$50,000 and $150,000 coverages are available
PPO network
Through United Healthcare network
Acute on set of pre-existing condition
Covered up to $20,000 for under 65 years and $2,500 for 65+
Period of Coverage
5 days to 364 days
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
Urgent Care
$50 co-payment
Trip Interruption
Up to $5,000
Repatriation
Equal to the max limit
Evacuation
50,000 lifetime maximum
Maximum Coverage
Coverage available from $25,000 to $150,000
PPO network
Through United Healthcare network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages up to 79 years.
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
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.
Prescription drugs
Up to $200 per period of coverage
Surgery
Up to $3,000
Evacuation
$100,000
Emergency dental
up to $500
Anesthetist
Up to $500
Maximum Coverage
Coverage available from $50,000 to $150,000
PPO network
Through United Healthcare network
Pre-existing condition
Not available
Period of Coverage
30 days to 364 days and it can be renewable
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 open_in_new
Chemotherapy
Up to $1,250 maximum
Private Duty Nurse
Up to $5,000
Repatriation
Covers up to $20,000
Evacuation
Covers up to 25,000
Maximum Coverage
Coverage available from $25,000 to $150,000
PPO network
PHCS PPO Network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages up to 70 years.
Period of Coverage
5 days to 364 days
Cancellation
Before Effective Date: Full refund of premium is available
After Effective Date: $25 cancellation fee will be charged by the insurance company.
Chemotherapy
Up to $1,350 maximum
Private Duty Nurse
Up to $750
Repatriation
Covers up to $25,000
Anesthesia
Covers up to $2,000
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®
Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000
Insurance coverage $50,000
Deductible $100 per certificate period
Medical expenses Claims$25,100
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 |
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. |
Travel medical insurance for seniors over 50 years
Know more »Visitor medical insurance for travelers above 60 years
Know more »Best travel insurance for over 65s
Know more »US Visitors insurance for travelers above 70 years
Know more »Visitor medical insurance for travelers above 75 years
Know more »Visitor health Insurance for travelers above 80 years
Know more »US Visitors insurance for travelers above 90 years
Know more »US Travel medical insurance for older travelers
Know more »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.
Differences between Limited and Comprehensive benefit travel medical insurance plans for visitors.
Read more »Eligibility for buying visitors insurance when travelling to USA.
Read more »Difference between urgent and Emergency care in US.
Read more »Compare differences between fixed and comprehensive visitor insurance plans.
Read more »Best of the Best Coverage for Pre-existing Medical Conditions
Read more »IMG Visitors insurance protects one in the event of unexpected illness or injury while traveling outside the country.
Read more »It is the fixed benefit plan offered by WorldTrips for international visitors traveling overseas and for US citizens traveling outside of the US.
Read more »Visitor insurance resources
Choose fixed visitors travel insurance for medical emergency while outside your home country.
Compare visitors insurance factors
Important factors while deciding on the best fixed travel insurance for USA.
Comprehensive travel insurance online
Understanding different types of fixed travel health insurance plans.
Travel insurance Claims Procedure
Fixed travel insurance online claims process for getting medical care in a hospital.
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