Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum
Travelers of all ages can buy travel insurance. However the price and coverage will vary depending on the age of the traveler. The travel insurance will cost more for older travelers when compared to younger travelers. Some of the coverage benefits might be also be reduced for older travelers.
The cost of the travel insurance is directly dependant on the length of coverage required. The longer the visitor insurance coverage, the higher will be the cost .
The cost of the coverage depends on the destination of the traveler. The cost of coverage is higher in the United States when compared to countries outside the United States, this is because of the high cost of healthcare in the US.
The higher the medical maximum coverage required, the higher will be the cost of US travel insurance.
The higher the deductible on the travel insurance plan, the lower will be the policy cost. Choosing a plan with a low deductible increases the cost of coverage. A higher co-insurance will also reduce the cost of the policy when compared to lower co-insurance.
If the travelers visits a country that the Center for Disease control (CDC), World Health organization (WHO) or US Department of State has issued an alert to not visit, the coverage for Coronavirus will be excluded. The Patriot travel insurance will not offer coverage benefits if the traveler visits the country after the alert has been issued. If the traveler is already in the country before the alert was issued, then the insured may be covered.
