arrow

Travel Health insurance per injury/illness vs per policy period

Compare and buy travel insurance

Age & Citizenship
Child
Residence
Destination
Start date
End date
An overview

Visitors health insurance – max medical insurance coverage as per policy

Travel health insurance plan maximum

More than a billion people currently live outside the country of their birth. People are living and working outside their home countries in numbers like never before. All of this results in people travelling outside international borders regularly for reasons like education, vacation, business, visiting family members... As a consequence of this regular travel, there is a tremendous need for the health insurance industry to provide travel health insurance for international travellers.

There are numerous American travel health insurance providers selling International travel health insurance plans for international travellers. However, there are many insurance terminologies that we come across while choosing a plan for us which can be confusing for people outside the insurance industry. Amongst them are "per injury/illness" and "per policy period", terms which are commonly used while describing coverages of health insurance plans.

In a health insurance plan, the term "per travel injury/illness" refers to the insurance policy maximum amount of the plan and the deductible of the insurance plan. In this type of insurance policy maximum amount is the plan benefit and will be the same for every new travel injury/illness for the lifetime of the plan. The deductible amount that has been selected on the policy by the customer has to be paid each time for a new injury or illness.

As per policy period" plan, the available insurance policy maximum keeps changing. Any injury or illness for which the plan has paid the claims previously will be deducted from the plan maximum each time and the deductible amount selected on the plan needs only one time payment by the customer during his/her first visit to the facility and they need not pay the deductible each time in case of new injury or illness.

Typically, Fixed benefit visitor insurance plans are 'per travel injury/illness' plans and Comprehensive visitor insurance plans are 'as per policy period' plans. To learn more on the difference between Fixed and Comprehensive visitor insurance plans is important. US Student insurance plans are designed for international student coming to US on F1 Visa and health insurance plans for J1 Visa holders usually require 'per injury/illness' plans. The University health insurance and the J visa insurance requirements mention this in their requirements list.

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.

Testimonials - From Our Customers - More testimonials...

"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."

testimonial male
star insurancestar insurancestar insurancestar insurancestar insurance

Charlotte

"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......."

testimonial male
star insurancestar insurancestar insurancestar insurancestar insurance

Shelie

"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. "

testimonial male
star insurancestar insurancestar insurancestar insurance

Lori Fields

Resourceful travel insurance information for new customers...

Find out the best insurance for your budget and needs
Claims process for expenses due to injury or sickness
Step by step guide to buying the best travel insurance online
Commonly used international travel insurance terms
Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Compare the best travel insurance plan for your needs

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
AVI customer service

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

 (877)-340-7910

Click to send an email

General - FAQ's

When should I take out travel insurance?

It is always recommended to purchase travel insurance before you depart your home country and start the travel. This is to make full and genuine use of the insurance so that you are covered from day 1 when you are in a foreign country. However, you can also purchase the insurance after arriving at your destination country.

Some insurance plans might have arrival time restriction where the insurance must be purchased within 30 days after arriving in the destination. This time could be 6 months as well depending on the age of the person.

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.

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.

US travel insurance as per plan vs per policy period plan

Step 1: Finding the available US travel insurance plan vs policy with max medical insurance
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements
Step 2: Compare the different travel insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best
Step 3: Buy the travel insurance that you like best
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Step 4: Review the visitors insurance plan documents received by email
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers

Resourceful Travel health insurance information

Visitor insurance resources

Visitor insurance resources

Visitors travel insurance for medical emergency outside your home country.

Explore »
Factors for travel insurance

Visitors insurance factors

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

Explore »
Types of visitor insurance

Types of visitor insurance

Understanding different types of travel health insurance plans.

Explore »
Claims Procedure

Travel insurance Claims

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

Explore »

Covid19 travel insurance - Know more

Covid travel insurance, Travel insurance Covid19 - Know more

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 »
Coronavirus travel insurance for expatriates
Expatriate covid19 travel health insurance. Know more »

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 known to be far more contagious than the earlier known variants and therefore it is vital 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 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

Ask me a Question?


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!