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US travel insurance with affordable coverage

insurance for visiting usa

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans. These fixed affordable health travel insurance plans are cheapest but provide limited cover for unexpected sickness and injury while outside ones home country.

Most of these fixed benefit affordable world travel insurance plans are per injury/sickness plans. Per injury/sickness plans set the policy maximum back to the original amount after some amount is used in case of a claim expense. The deductible has to satisfied every time for a new sickness in a per/injury sickness plan.

There are many affordable online travel insurance plans available in the market.

Here are some popular affordable medical travel insurance fixed benefit plans:
  1. Safe Travels Elite from Trawick International

    This plan is an affordable fixed plan from Trawick International. This plan can provide a policy maximum starting from $25,000 and goes up to $175,000. This plan is unique compared to other fixed benefit plans where this plan provides "well doctor visit" that pays up to $75 for one visit.

    One visit per policy period is available. This provides a good coverage for the acute onset of pre existing condition. This plan has a deductible of $0.

  2. Safe Travels Elite Diamond plan for Seniors

    This affordable fixed plan from Trawick International is available for seniors from the age of 50 up to 89. This is ideal affordable travel insurance for seniors for ages 70 and 89 years.

    This plan provides a policy maximum of $50,000 for the Diamond plan and the Diamond Plus plan provides a policy maximum of $100,000. This plan has a deductible of $100 and $200. This plan provides a very good coverage for acute onset of pre existing condition.

  3. Visitors Care plan from IMG

    This affordable travel insurance plan from IMG provides fixed benefit coverage which provides policy maximum ranging from $25,000 up to $100,000. This plan covers acute onset of pre existing condition up to the policy maximum up to the age of 70. It covers $2,500 for people above the age 75 for acute onset of pre existing conditions.

    Apart from that, there are benefits covering physical therapy, extended care facility. This plan is renewable for 2 years.

  4. Visitor Secure plan from WorldTrips

    This is another fixed benefit plan which is affordable from the company WorldTrips. The policy maximum available on this plan starting from $50,000 and goes up to $100,000.

    This plan also similar to the above mentioned fixed plans have benefits available for the customer.

  5. Inbound USA from Seven Corners

    This affordable travel insurance plan has a policy maximum starting from $50,000 and goes up to $150,000. This plan has a maximum life time of 364 days until which the plan can be renewed/extended.

  6. INF Premier Travel insurance This is the most economical fixed-benefit insurance plan for pre-existing conditions. The Premier plan covers all emergency, in-patient hospitalizations up to plan maximum options of $150,000. The Plan works for all ages, and includes acute pre-existing visitors insurance for age 80+.

While the fixed benefit plans are cheap and economical and help in the coverage of minor medical expenses, there are some limitations with the fixed benefit plans.
  • They have a fixed amount specified for each and every benefit, beyond which they do not cover the expense
  • There is no co insurance factor which helps to make the claim expense coverage flexible extending the coverage up to the policy maximum.
  • Most of the Fixed plans are affordable but do not cover acute onset of pre existing condition for travelers above 70.

Due to the above reasons, it is advisable to choose a comprehensive plan instead of a fixed plan considering the major medical expense. This is not at all easy in countries like the US where healthcare is very expensive.

To make the comprehensive plans affordable, travelers can choose a higher deductible or a higher co-insurance option. The co-insurance associated with comprehensive plans is such that the insured pays 10 to 20% of the claim expense after the deductible up to a dollar limit which I usually $5000.

This way even major medical expenses that can be catastrophic will be covered while trying to make a comprehensive plan an affordable travel insurance plan.

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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Affordable Travel Insurance - Frequently asked questions

How much does US visitor insurance cost?

The cost of visitors insurance in USA depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.

Which is the best visitor insurance in USA?

The best visitor insurance in USA will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the US.

While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage. The price will be higher if you need health insurance for visitors to usa with pre-existing conditions.

It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance USA.

How to find the best visitor health insurance?

There are many visitor health insurance plans for coverage in the USA offered by US insurance providers. Given the several US visitor insurance options, it can be confusing to find the best health insurance for travel to USA for your needs.

What is very useful in making this decision is to compare travel insurance USA of different companies. The US travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner.

The traveler can change relevant factors like the medical maximum coverage required, the US traveler insurance deductible, any US travel health insurance plans with coverage for pre-existing ailments, travel insurance USA coverage for Covid19.

The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

How can I get Afforadable travel insurance?

Travelers can get cheap travel insurance by comparing different travel insurance plans using the Compare travel insurance tool on American Visitor Insurance.

The comparison tool displays the available US travel insurance plans with their price and coverage benefits making it easy for the traveler to find the cheapest travel insurance plan option.

What is the best affordable covid travel insurance?

International travel has become more difficult thanks to the Covid19 pandemic. Given the high costs of healthcare especially in light of Covid19, it is important to have best Covid19 travel insurance.

This will mitigate the financial risks of international travel. At American Visitor Insurance, travelers can find the ideal Travel insurance for coronavirus by using the Comparing Covid19 travel insurance.

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Resourceful visitors medical insurance information

Visitor insurance resources

Visitor insurance resources

Visitors travel insurance for medical emergency outside your home country.

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Factors for travel insurance

Visitors insurance factors

Important factors while deciding on the best travel insurance for USA.

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Types of visitor insurance

Types of travel insurance online

Understanding different types of travel health insurance plans.

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Claims Procedure

Travel insurance claims procedure

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

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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. 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 phone at any time.

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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

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