arrow

Visitors health insurance - Different Deductible Options

Compare and buy travel insurance

Age & Citizenship
Child
Residence
Destination
Start date
End date

What does visitor travel insurance cover?


Health care expenses
Covers hospital expenses for sickness or accidents.

Doctor visit
Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

Testimonials - From Our Customers

Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon.
Know more »

Shelie

I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100.
Know more »

Charlotte

I am pleased to say that your company is very professional in the field of Insurance. The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need.
Know more »

Lori Fields

Resourceful travel insurance information for new customers

Find the best travel insurance

Find out the best insurance for your budget and needs
Know more »

How does travel insurance work?

Claims process for expenses due to injury or sickness
Know more »

How to buy travel insurance?

Step by step guide to buying the best travel insurance online
Know more »

Travel insurance glossary

Commonly used international travel insurance terms
Know more »

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Know more »

Compare travel insurance plans

Compare the best travel insurance plan for your needs
Know more »
An overview

Different Deductible Options

Different Deductible Options

There is much information and many policies to choose from when selecting the best
travel medical insurance plan
. One difference between plans is that some have a maximum and deductible per incident and some have the maximum and deductible per policy period. What is the difference and which one is better?

Well, the difference is that the deductible per incident or sickness could be paid multiple times. A new deductible must be paid for each sickness or injury incurred by the insured. The likelihood of this is not very high, nor do we hope for multiple injuries and illnesses in the first place. Also, note there can be exceptions made to the rule. For example, on policies which offer coverage for pre-existing conditions on a per incident basis, they often have a maximum lifetime limit for the pre-existing condition.

A deductible on a per policy period basis has a matching maximum per policy period. This means that the deductible are paid out only one time during the policy which, for most, can be up to one year. When the plan is a comprehensive plan, most of the time you can calculate an out-of-pocket cost for the policy since the deductible (and coinsurance) are only paid out one time. There are exceptions to this rule, however. Sometimes there can be an additional deductible for some services (emergency room and maternity are most common).

When clients ask me which do I think is better I have a hard time answering. Most fixed policies are on a per incident basis (although not all, notably Visitor’s Care is the exception). In that sense, I generally recommend a comprehensive plan over a fixed plan and those plans are on a per policy period basis. However, if a client is over 80 years old I generally recommend a fixed plan and in that case I usually recommend one with the deductible and maximum on a per incident basis. The choice comes down to what the client feels most comfortable with in the end.

If you have further questions or concerns, please contact us and we can help you sort through your options! As always, we wish you safe and happy travels.

Visitors Insurance USA - FAQ's

Do I need medical insurance to travel to the US?

Purchasing medical insurance for travelling to the US is not mandatory, however it's best to get a travel medical insurance. Healthcare in the US is very expensive and if there is need for hospitalization travelers may end up in a huge financial loss.

An adequate US travel insurance plan will provide coverage for medical expenses incurred in case of any injury or illness especially during the pandemic.

What does US travel insurance cover?

A standard US travel insurance plan offers protection for all unexpected travel and medical illness or injury during the trip. Trip cancellation insurance provides coverage for acute onset of pre-existing conditions, medical emergencies, trip cancellation, trip interruption, delays and medical evacuation, lost -damaged, or stolen of the luggage.

Is travel insurance worth getting?

Yes, all international travelers should consider buying travel insurance cover for safe and protected travel. Travelling long hours in a new country increases the risk for unforeseen medical and travel emergencies.

During such times a travel insurance cover will provide coverage and save the insured from a huge financial loss.

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Steps to buy
US pre-existing condition travel health insurance online

 Step 1: Finding US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

Compare the price and the benefits of the different pre-existing condition health insurance for USA options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance
america insurance american visitor insurance

NEED HELP?
Contact our customer service team
We are here to help you!

Covid19 travel insurance

Covid travel insurance, Travel insurance Covid19

US citizen Covid travel insurance
Covid travel insurance for US citizens.
Know more »
Covid travel insurance for tourists to USA
Travel insurance with covid coverage for USA.
Know more »
Travel insurance for outside USA with Covid coverage
Travel insurance covid for travel outside USA.
Know more »
International student insurance with Covid coverage
Best student travel insurance that covers covid.
Know more »
Cruises insurance with covid coverage
Covid19 travel insurance for cruises.
Know more »
Europe Schengen Visa Insurance with Covid coverage
Europe Schengen Visa Covid19 travel insurance.
Know more »
Covid19 Quarantine Trip Insurance
Covid trip delay & accommodation coverage.
Know more »
Covid19 Trip cancellation insurance
Trip cancellation insurance with covid19 coverage.
Know more »
Covid19 new US Immigrant insurance
US immigrant /Green Card Covid insurance.
Know more »
Covid19 travel insurance for expatriates
Expatriate covid19 travel health insurance.
Know more »

Resourceful travel medical insurance information

Visitor insurance resources Visitor Insurance Resources

Travel medical insurance resources

Choose international travel insurance resources for travel outside your home country.

Explore »
Factors for travel insurance Factors for Travel Insurance

Compare travel insurance factors

Important factors to consider while deciding on the best travel medical insurance.

Explore »
Types of visitor insurance Types of Visitor Insurance

Types of travel insurance online

Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.

Explore »
Claims Procedure Travel Claims Procedure

Travel insurance Claims Procedure

Travel medical insurance online claims process for getting medical care in a hospital.

Explore »

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. The new variants namely Omicron and Delta Plus are known to be particularly infectious when compared to the previous variants and hence it is of utmost importance for travelers to have travel health insurance. At America visitor insurance travelers can get visitors insurance for Covid-19 illness.

We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or email or phone.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

Ask me a Question?


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!