Fixed Benefit (Limited Coverage) Insurance Plans

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 is Fixed benefit travel insurance?

Clearly defined limits under fixed benefits coverage. Fixed travel insurance plan is more affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses. Fixed travel insurance for USA plan is the cheapest options in the market definitely more affordable Fixed benefit travel insurance plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Update Quote and buy fixed benefit insurance plans

Age
Start Date
End Date
Coverage Region
Citizenship
Eligibility
  • US and Non US citizens traveling outside their home country.
  • US citizens traveling outside of US, Alaska, Hawaii, Puerto Rico and US Virgin Islands.
  • People visiting US who are over 65 years of age must purchase this plan within 30 days after arriving in the US
Eligibility
  • Available for people 80+ with reduced policy maximum
  • Affordable fixed coverage plan with high policy maximum
  • Covers acute onset of pre-existing condition until age 70 up to policy maximum
Select Age
Policy Max
Deductible
loading
Eligibility
  • Non US citizens traveling outside their home country or country of citizenship
  • For people over the age of 65, coverage must become effective within 30 days of arrival in the US
Key Features
  • Very affordable fixed coverage.
  • This plan can be purchased for a minimum of 5 days and up to a maximum of 2 years.
  • Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
Select Age
Policy Max
Deductible
loading
Eligibility
This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
Key Features
  • It is an affordable medical insurance option available to Non-US citizens traveling to the USA.
  • Pre-existing conditions are covered as any other condition for persons under 80 years of age.
  • Being a fixed plan, provides higher policy maximum options like $50,000, $75,000 and $100,000 for people older than 70 years of age.
Select Age
Policy Max
Deductible
loading
Eligibility
  • This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
Key Features
  • Short term travelers to the USA can buy this medical coverage.
  • High maximums available for the 80+ traveler.
  • Acute onset of pre-existing conditions covered as any other illness for persons under 70 years.
Select Age
Policy Max
Deductible
loading
Eligibility
  • This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
Key Features
  • Highest fixed benefit visitor insurance coverage.
  • Can be renewed up to 3 years.
  • Is available up to 69 years only and covers acute onset of pre-existing condition.
Select Age
Policy Max
Deductible
loading
Eligibility
  • This plan is available for Non US citizens and the US citizen expatriates visiting the US.
Key Features
  • This is a short term plan for visitors with full pre existing condition coverage.
  • For people of age group 0-69, for a policy maximum of $100,000, a pre existing maximum of $20,000/$40,000 is available with a pre existing deductible of $1,000/$5,000 respectively. For a policy maximum value of $150,000, a pre existing maximum of $30,000/$60,000 is available with a pre existing deductible of $1,000/$5,000 respectively.
  • For people in age range of 70-99, for a policy maximum of $100,000, a pre existing maximum of $15,000/$25,000 is available with a pre existing deductible of $1000/$5000 respectively.
  • Coronavirus or covid19 is covered by INF Premier Insurance
Select Age
Policy Max
Deductible
Pre-existing Ded
loading
Eligibility
  • This plan is available for Non US citizens and the US citizen expatriates visiting the US.
Key Features
  • This plan has a wide range of policy maximum options starting with $25,000 and goes on to $50,000, $75,000, $100,000,$150,000 and $250,000.
  • This plan offers the deductible options of $75,$250,$500, $1000, $5000, $10,000.
  • This plan covers acute onset of pre existing conditions for people above 80.
  • This plan is most suited for people above 50 with mild pre existing conditions like blood pressure and occasional joint pain.
Select Age
Policy Max
Deductible
loading
Eligibility
  • Travelers from other countries traveling to North America.
  • Travelers from the age of 14 days to 89 years of age.
Key Features
  • Covers pre-existing conditions coverage up to chosen maximum limit till the age of 69 years. Upon attaining the age 70 benefits will be reduced to a maximum of $25,000.
  • Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000
  • Renewable up to a period of one year.
  • Coronavirus or covid19 is covered by Safe Travels Insurance
Select Age
Coverage
Deductible
loading

Fixed benefit visitor insurance USA for covid

Foreign visitors to the US can compare covid travel insurance at American Visitor Insurance to find the best Covid19 US visitor insurance. There are currently two US insurance providers namely Trawick International and INF insurance offering affordable US Visitors insurance with fixed benefits coverage for coronavirus.

Trawick International Covid19 travel insurance

Trawick International offers affordable visitor medical insurance for coronavirus (covid-19) with their fixed benefit insurance Safe Travels Visitors to USA. It offers scheduled benefits coverage for accident and sickness medical expenses. It also covers necessary medical treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV-2.

INF Covid19 US travel insurance

INF visitors health insurance for coronavirus in the US, Canada and Mexico as any other illness. INF premier and INF standard are fixed benefit visitors insurance that’s covers coronavirus.

IMG Covid19 US travel insurance

International Medical Group(IMG) offers affordable visitor medical insurance for coronavirus (covid-19) with their fixed benefit insurance Visitors care. This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. It offers Limited coverage for medical expenses.

WorldTrips Covid19 US travel insurance

WorldTrips has designed Visitor Secure insurance as an affordable scheduled benefit plan for visitors to USA covers covid-19 with their fixed benefit insurance. This plan offers coverage $50 a day for up to 10 days Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or you being symptomatic and waiting on diagnostic test results. Visitor Secure US health insurance is ideal for parents and older travelers traveling to the US.

US travel insurance

Fixed benefit visitor insurance - FAQ's

Can a visitor get health insurance in USA?

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.

How does visitor insurance work?

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.

What is Visitor Insurance USA?

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.

Do tourists need travel 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.

What happens if a tourist gets sick in USA?

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.

Get quotes for international travel insurance!
Review and compare the best international travel health insurance.
Compare International travel quotes
Find the best international travel insurance
TRAVEL INSURANCE

For Pre-existing medical conditions and covid

International travel insurance blogs and articles

Fixed benefit vs Comprehensive Visitors insurance

Differences between Limited and Comprehensive benefit travel medical insurance plans for visitors

Click here to read more »

Eligibility for buying visitor health insurance

Eligibility for buying visitors insurance when travelling to USA

Click here to read more »

US visitor insurance for emergency & urgent care

Difference between urgent and Emergency care in US.

Click here to read more »

Fixed benefits vs Comprehensive Plans

Compare differences between fixed and comprehensive visitor insurance plans.

Click here to read more »

Best American travel insurance plans

Find best travelers insurance America.

Click here to read more »

Popular fixed benefits plans

Visitors Care insurance plan from IMG

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

Click here to read more »

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.

Click here to read more »

Resources for international travel insurance

Compare quotes and details of popular fixed benefits visitor insurance plans:
F Fixed Benefits Plans

US travel insurance providers offering fixed benefits


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!