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An overview

Co-insurance and Deductible

International travel health insurance is now an integral requirement for international travel, and given the myriad options available online it is not an easy decision.

However, it is important to take care of this before you travel as healthcare and medical help is very expensive in foreign nations and your domestic health insurance plans travel with you overseas. There are many private insurance companies who offer visitor insurance also commonly known as visitor medical insurance.

factors which determine your travel insurance costs

With so many choices of plans online, it gets a little tricky to select the right plan for your specific situation and needs. This results in questions raised about the coverage regarding benefits, the maximum covered amount, the price, type of plan, age related questions, coverage in particular area with provider network...

Given these many questions, quite often travellers want to understand specific visitor health insurance terminologies among which "Co-Insurance and Deductible" are very relevant.

Normally, there are 2 kinds of visitor medical insurance plans namely Fixed or scheduled benefits plan and Comprehensive plan, with co-insurance perhaps more relevant in comprehensive plans.

Let us first understand what Deductible means. Deductible is the amount that the insured pays before the insurance company pays for any medical expense. This amount can be chosen by traveller while buying the plan. The Deductible value is inversely proportional to the premium price of the plan. Both Fixed and Comprehensive plans have a deductible applicable on them. This amount can vary from $0 to $2,500 in each plan. It is up to the insured to choose their deductible amount on the plan the same way they choose their policy maximum amount.

Coming to the Co-insurance, this is the percentage amount that the person pays after the deductible for any medical expense incurred. This is applicable only for Comprehensive plans even though it is applicable only for the first $5,000 of expense after which the insurance company pays 100% after the deductible is met. Fixed plans do not have Co-insurance.

Co-insurance percentage varies from one plan to other. Some plans waive the co-insurance when the insured goes to a doctor within the PPO network. Some plans reduce the percentage for expense within the PPO network. This knowledge of these two health care terms help in making an informed decision while selecting a suitable plan for ones needs.

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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Step by step guide to buying the best travel insurance online
Commonly used international travel insurance terms
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How much does US travel Insurance cost ?

There is no single price for all US travel insurance plans as the price of US travel health insurance varies depending on factors like the age of the traveler (the older the traveler, the higher the cost), the medical maximum coverage (greater coverage is more expensive), the co-insurance and deductible for the plan, the type of travel insurance (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For a typical traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travelers insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the more comprehensive will be the travel insurance coverage.

Cost of best Visitor Medical insurance USA plans

For eg. Age - 40 years, Duration - 1 Month, Deductible - 0
Providers Travel Insurance Plans Medical limit ranges Estimate Plan Cost+
International Medical Group (IMG) Patriot America Lite $50,000 - $1,000,000 $90 - $165?
Patriot America Plus $50,000 - $1,000,000 $90 - $165?
Patriot America Platinum $2,000,000 - $8,000,000 $180 - $310?
Visitors CareFixed benefit $25,000 - $1,00,000 $30 - $50?
Trawick International Safe Travels USA - Cost Saver $50,000 - $1,000,000 $70 - $120?
Safe Travels USA $50,000 - $1,000,000 $90 - $160?
Safe Travels USA Comprehensive $50,000 - $1,000,000 $90 - $160?
Safe Travels EliteFixed benefit $50,000 - $175,00 $40 - $60?
WorldTrips Atlas America $50,000 - $2,000,000 $110 - $230?
Atlas Premium America $50,000 - $2,000,000 $190 - $330?
VisitorSecureFixed benefit $50,000 - $130,000 $40 - $80?
Seven Corners Travel Medical Basic $50,000 - $1,000,000 $110 - $180?
Travel Medical Choice $50,000 - $1,000,000 $120 - $230?
Travel Medical Plus $50,000 - $1,000,000 $160 - $290?
Inbound USA BasicFixed benefit $50,000 - $150,000 $55 - $70?
Inbound USA ChoiceFixed benefit $50,000 - $150,000 $80 - $100?
Global Underwriter Diplomat America $50,000 - $1,000,000 $130 - $220?
Travel Insure Visit USAFixed benefit $50,000 - $250,000 $50 - $190?

General - FAQ's

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.

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.

Can a non-US citizen get medical insurance?

Yes, if the traveler is a non US citizen and needs medical insurance it can be purchased. The US travel insurance cover can provide the traveler with the medical coverage required.

Different types of travel health insurance in USA

Fixed Benefit travel health 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 plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel health 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 travel 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
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Claims Procedure

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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. The new variant Omicron and Delta Plus is even more contagious than the earlier known variants and hence it is of paramount important for travelers to have adequate 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 phone at any time.

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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