🩺 Fixed Benefit vs Comprehensive US Travel Health Insurance
When planning a trip to the United States, it’s crucial to protect yourself with the right US travel health insurance. Before comparing plans, it’s helpful to understand the two main categories of visitor medical insurance Fixed Benefit Plans and Comprehensive Plans. Each offers unique benefits, coverage limits, and pricing structures tailored to different traveler needs.
Before comparing the popular US travel insurance diving into plan types, let’s quickly go over some common terms you’ll encounter when choosing
visitor insurance for the USA:- Premium: The amount you pay to purchase the insurance plan.
- Deductible: The amount you pay out-of-pocket before the insurance starts covering your expenses. This can range from $50 to $2,000 and may apply per injury, sickness, or policy period.
- Co-insurance: The percentage of the remaining bill you share with the insurer after meeting the deductible — often 10%–20%.
- Policy Maximum: The maximum amount the policy will pay for covered expenses during the policy period.
🧾 What Are Fixed Benefit Travel Insurance Plans?
Fixed benefit Travel insurance plans, also called Scheduled Benefit Plans, provide limited but affordable medical coverage. They are ideal for travelers seeking basic, low-cost protection for emergencies.
Unlike comprehensive plans, fixed benefit policies set a predefined dollar limit for each medical service such as doctor visits, hospitalization, or prescription drugs. This means the plan pays a fixed amount regardless of the actual cost incurred.
Example:If your doctor visit costs $250 and your plan pays a fixed $55 per visit, you pay the difference out of pocket. For your first visit, you’d also need to meet your deductible (for example, $50), after which the insurance company contributes the scheduled benefit amount.
These plans typically have policy maximums of $50,000 or $100,000, but individual medical benefits are capped at specific limits rather than paying up to the maximum for every service.
🌍 Popular Fixed Benefit Travel Insurance Plans
Some of the most popular fixed benefit travel insurance plans for visitors to the USA include:
- Visitors Care from IMG
- Visitor Secure from WorldTrips
- Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice from Seven Corners
- Safe Travels Elite from Trawick International
- INF Premier, INF Premier Plus and INF Standard plans
The plans that provide medical coverage for acute onset of pre existing conditions for people above 70 are, Safe Travels Elite and the INF plans. Visitors Care from IMG provides only $2500 coverage for people above 70 for acute onset of pre existing conditions.
🌐 What Are Comprehensive Travel Insurance Plans?
Comprehensive travel insurance plans offer broader protection and pay for most covered expenses up to the policy maximum. They usually cost more but provide much higher financial protection and flexibility.
These plans include co-insurance, which means the traveler pays a small percentage (typically 10%–20%) of medical costs after the deductible, up to a certain limit. Once that limit is reached, the insurance company pays 100% of the remaining expenses.
If your total medical bill is $1,000 and your deductible is $100 with 20% co-insurance:
Example:- You first pay the $100 deductible.
- On the remaining $900, you pay 20% ($180), and the insurer pays $720.
- After reaching the co-insurance limit (usually around $5,000), the insurer covers 100% of subsequent costs.
💼 Popular Comprehensive US Travel Insurance Plans
Here are some of the top-rated Comprehensive travel insurance plans that offer wide coverage, including options for pre-existing conditions:
- Atlas Travel: Offers worldwide coverage, including/excluding the US, with coverage for acute onset of pre-existing conditions up to age 79.
- Atlas Premium America: An upgraded version of Atlas Travel with higher benefits and broader coverage.
- Patriot America Lite and Patriot America Plus from IMG : Reliable comprehensive plans; the Plus plan covers acute onset of pre-existing conditions up to age 70.
- Safe Travels USA Comprehensive: Excellent coverage up to age 89 for acute onset of pre-existing conditions.
- Visit USA Comprehensive A solid option from USI Travel Insurance Services.
- INF Elite Plan, INF Elite Plus, INF Elite 90 , Safe Traveler USA and Safe Traveler USA 90 from INF
What does visitor travel insurance cover?
Health Care Expenses
Covers doctor visits in case of sudden injury or sickness.
Sports Activities
Some plans cover high school sports activities.
Repat of Remains
Repatriation of remains expenses to home country in case of death.
Dental Coverage
Expenses from sudden dental pain and accidental dental injuries.
Maternity Coverage
Some plans offer coverage for pregnancy, maternity and new born.
Pre-existing Conditions
Student insurance who need coverage for existing medical ailments.
How Much Does Visitor Health Insurance USA Cost?
How Much Is Medical Insurance for Tourists in the US?US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly.
In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on
- Age of the traveler
- Insurance company
- Type of visitors insurance
- Coverage limits
- Whether pre-existing conditions are covered
Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.
Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.
How Much Does Cheap Visitor Insurance in the USA Cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
How Much Does the Best Comprehensive Visitor Insurance Cost per Month?
The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive.
On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Comprehensive | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Source: American Visitor Insurance®
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How Much Does 6-Month Medical Insurance for Visitors to USA Cost?
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
What are the different types of US visitors travel insurance?
Fixed Benefit travel insurance
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
The cheapest US travel insurance is Safe Travels Advantage. The other affordable travel insurance for the US are Venbrook Essential from Venbrook International and Visitors Care from IMG. These plans offer basic coverage at lower cost for visitors to USA.
VisitorSecure is an another affordable travel insurance plan designed for international travelers visiting the US. Offers up to $1,000,000 in emergency medical expenses, medical evacuation, and repatriation.
Safe Travels Advantage
Trawick International
$20 Per monthAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$25 Per monthAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
Comprehensive travel insurance
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Best comprehensive visitor insurance plans for the USA
Some of the top recommended best comprehensive plans are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International. These plans are well-suited for travelers to the U.S., offering robust medical coverage along with benefits for the acute onset of pre-existing conditions.
- Policy maximum limits ranges from $10,000 to $1,000,000
- Deductible options $0 to $2,500
- Coverage from 5 days to 12 months
- Covers acute onset of pre-existing conditions
- Policy maximum limits ranges from $10,000 to $2,000,000
- Deductible options $0 to $5,000
- Coverage for 364 days
- Covers acute onset of pre-existing conditions, also includes $25,000 lifetime maximum for emergency medical evacuation
Safe Travels USA Comprehensive
Trawick International
$87 Per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0 to $5,000
- Coverage from 5 days to 364 days
- Covers acute onset of pre-existing conditions coverage up to 100% policy maximum
Other top-rated comprehensive visitor insurance for USA are:
- Patriot America Lite: Cheap short term health insurance plan designed for visitors to the US. It offers coverage for emergency medical treatment and medical evacuation, with coverage limits up to $1,000,000. However, do not include covid coverage and coverage for acute onset of pre-existing conditions.
- Travel Medical Basic: Affordable coverage for emergency medical treatment and medical evacuation during short-term travel to the US. It covers acute onset of pre-existing conditions for visitors aged under 80 years. This plan offers comprehensive travel medical insurance with covid expenses and are recommended for group travelers.
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US Visitor Insurance Reviews
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Comparison Travel Insurance - Frequently asked questions
1. 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.
2. 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.
3. What travel insurance covers the USA?
US Travel insurance plans for coverage can be purchased online at American Visitor Insurance to get a medical and travel insurance cover in the United States. International travel insurance provides coverage for unexpected medical emergencies during the travel period. Travel insurance is particularly important during the Covid19 pandemic for safe travel to the US.
American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. For more details travelers can call the customer service or email and the team will be glad to help.
4. Is travel medical insurance necessary?
Travel medical insurance has evolved as one of the most important travel documents and can be considered as a necessity. It provides coverage for sudden illness or injury that may occur while the traveler is away from home.
In case of hospitalization it covers the medical bills and treatments availed. It also provides coverage for trip cancellation, trip interruption and various other benefits that a traveler can choose according to the requirements.
5. What are the benefits of travel insurance?
Travel insurance is important while travelling overseas for business or for pleasure. Unforeseen incidents and mishaps can occur hence it’s important to be prepared.
By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage. Travelers can also include Cancel for any reason cover that offers maximum coverage.
6. What type of insurance should I buy while traveling to USA?
When traveling to the US, there are different types of travel insurance you can consider, depending on your specific needs and the nature of your trip. US insurance providers on American Visitor Insurance offer different types of insurance for different visas for different purposes, such as tourism, business, employment, study, and family reunification. When traveling to the US on any of these visas, having the best US travel health insurance is strongly recommended due to the high cost of healthcare in the U.S. Some visa types like the J1 visa requires the visa holder to have mandatory health insurance while most other do not.
It's important to ensure that the chosen insurance plan complies with any visa-specific requirements and provides adequate coverage for potential medical expenses during your stay in the U.S. Keep in mind that U.S. immigration policies may change, so it is crucial to check the latest information and requirements on the official US government website when planning to apply for a U.S. visa.
7. What is the different b+etween travel insurance and visitors insurance?
"Travel insurance" and "visitor insurance" are terms that are sometimes used interchangeably, but they can refer to different types of insurance products, and their meanings may vary depending on the context. Travel Insurance:
-
Travel Insurance:
- Scope: Travel insurance is a broad term that encompasses various types of insurance coverage designed to protect travelers from financial losses or unexpected events during their trips.
- Coverage: It typically includes benefits such as trip cancellation/interruption, emergency medical expenses, travel delay, lost baggage, and other related protections.
- Duration: Travel insurance is often purchased for a specific trip or period of travel, whether domestic or international.
- Applicability: It is suitable for a wide range of travelers, including those going on vacations, business trips, or other types of travel. Visitor Insurance:
- Scope: Visitor insurance specifically caters to individuals who are visiting a foreign country, often for a short duration, and need coverage for medical expenses or other unexpected events during their stay.
- Coverage: The primary focus is on providing medical coverage for illnesses or injuries that may occur during the visit. Some visitor insurance plans may also include coverage for travel-related incidents.
- Duration: Visitor insurance is typically designed for short-term stays, and coverage is usually available for a specified period, such as a few days to several months.
- Applicability: It is intended for individuals visiting another country temporarily, such as tourists, family members, or friends.
In summary, while travel insurance is a broader term that encompasses various types of coverage for different types of trips, visitor insurance specifically targets individuals visiting a foreign country and emphasizes medical coverage for the duration of their stay.
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What is the best US visitors insurance with pre-existing conditions coverage?
The best US visitors insurance with pre-existing conditions coverage is listed here :
INF Elite plans provide comprehensive coverage for pre-existing conditions up to age 99, with a minimum 90-day purchase.
Offers acute onset of pre-existing condition coverage up to age 89 — up to policy maximum for under 70, and up to $35,000 for above 70.(cardiac-related treatment up to $15,000).
Comprehensive visitor insurance covering acute onset of non-chronic pre-existing conditions for Non-US citizens and residents up to age 79.
Comprehensive travel insurance covering acute onset of pre-existing conditions up to age 70, suitable for Non-US citizens, US citizens abroad, and Green Card holders living outside the US.
is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
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