Compare international travel insurance

It is important to compare international travel Insurance and to understand the different factors that are relevant before buying travel medical insurance. One can compare international travel insurance based on prices as well as the coverage benefits. There are different types of travel insurance, like Single trip travel insurance for a single trip, annual travel insurance for multiple trips throughout the year and group travel insurance for groups of travelers. At American visitor insurance, we work with all the reputed US travel insurance providers who offer all of these international travel insurance.
  • Single trip insurance
  • Annual travel insurance
  • Group insurance
Compare and buy the best international travel insurance plan
1. Traveler's age
      
2. Dependents(< 18 years)
3. Coverage limit
4. Deductible amount
5. Start Date
6. End Date
       months days
7. Citizenship
  
8. Coverage Region
  
  
9. Covid19 coverage
     
10. Mailing & permanent address
   Same
11. How long has the visitor been in USA?

Compare Annual Multi Trip Insurance for multiple trips throughout the year - Click here

Popular US Medical Insurance Plans for Groups of travelers - Click here

International travel insurance resourceful links

International travel insurance - Frequently asked questions

When one travels outside their home country, their domestic health insurance will provide little or no health insurance outside the national borders. Healthcare is expensive the world over without proper travel medical insurance. The quality of healthcare within certain countries varies hugely, and one’s access to quality healthcare will depend on the ability to pay for medical expenses. Having good international travel insurance ensures that a traveler is not stranded for lack of access to quality healthcare while in a foreign country. It is important to understand the healthcare system in the travel destination country, and to buy good international travel insurance which is recognized in the travel destination.

After comparing different travel health insurance plans, customers can buy the international travel insurance that best fits their specific needs. Once a customer buys the travel health insurance plan online, they will receive the relevant plan details by email. The travel health insurance policy documents will have all the relevant details about the plan coverage, as well as the contact numbers in the event of needing to use the travel insurance.

The cost of international travel insurance depends on the following
  1. The travel destination (traveling to the US is more expensive than traveling elsewhere)
  2. Travelers age
  3. The length of the trip
  4. Fixed vs comprehensive visitor insurance.
  5. Medical maximum coverage
  6. Deductible and Co-insurance of the travel insurance plan
  7. Any special coverage requirements, such as for pre-existing medical conditions
Within those factors, one can choose an economical fixed benefits plan or a more expensive, but complete comprehensive travel insurance. The cheapest travel insurance is a fixed benefit plan however it will only insure a fixed amount for each medical expense. The comprehensive travel insurance on the contrary is more expensive but does not have these constraints of fixed limits for different medical treatments.

One should ideally buy international travel insurance as soon as one buys the international travel tickets. Buying travel insurance early is important to get coverage for trip cancellation. Travel medical insurance focuses on insuring the health of the traveler while he or she is outside one’s home country. Again it is ideal to buy travel medical insurance before starting ones journey so that the journey is also insured. However for those travelers already outside their home country, there are international travel insurance options available. Please review the plan details or call our customer support to identify plans that are available after having reached your destination country.

International travel insurance is to insure the traveler against unforeseen events. International travel insurance will not cover preventive care or for situations which are not unforeseen. Many travel insurance plans also have limited or no coverage for pre-existing conditions, while some international travel insurance provide coverage for acute onset of pre-existing conditions.

The prices depend on
  • Single trip or Annual travel insurance
  • The type of travel insurance (fixed benefits or comprehensive coverage
  • The age of the traveler
  • The medical maximum coverage required
  • The deductible and co-insurance of the travel medical insurance plan
  • Any special add on benefits such as hazardous sports or coverage for pre-existing conditions.

Why compare international travel insurance plans?

There are several International travel Insurance plans that are available in the market which seem quite similar when we have a cursory look at them. Most international travel insurance plans have many common benefits and the premium for a covered benefit might also be similar. However, the need of every individual/customer is quite unique. Each plan typically has a few additional benefits or perhaps some restrictions. In order to choose the right plan for an individual's preference, to get sufficient coverage from the health insurance plan for international travel, it is important to compare several features available in the travel insurance from top rated international providers.

Let us see the different features for comparing international travel health insurance plans:

Type of plan (Fixed or Comprehensive): Fixed benefit travel insurance plans are cheaper when compared to the Comprehensive travel insurance plans however they are more limited in coverage when compared to the Comprehensive plans. Normally, it is recommended to choose Comprehensive plan but there are times when some people are looking for an economical option. However, if interested in a fixed option, then the right approach is comparing the fixed plans and choosing the right plan .This again involves looking into other factors.

Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have a one-time deductible and is cost effective.

Pre-existing condition coverage: This is very important benefit factor as many customers need international travel insurance with pre-existing conditions coverage. This benefit requirement mostly is required by people over the age of 60, however there may be exceptions where younger people may need this coverage too. Most of the comprehensive plans offer this coverage for people up to 70, some go up to 80 and a few provide for people above 80. Fixed plans limit this coverage for the age 70. Very few plans do not have pre-existing condition coverage at all.
Pre existing condition international travel insurance coverage is provided usually only for acute onset of a pre existing condition. There is only one company that offers plans that provides full pre-existing condition coverage.

Different kinds of plans: We have international travel insurance also known as US visitor insurance plans or travel medical insurance plans. Then, we have trip plans. Trip cancellation insurance plans are suitable for someone who needs their trip amount to be insured in case of unexpected cancellation. This is slightly different from travel insurance plans which does not provide the trip cancellation benefit. Trip insurance plans provide most of the benefits that a travel insurance plan can provide. Most of the trip cancellation insurance plans include cancel for any reason coverage.

Cancellation and Renewability: Each plan have their unique cancellation and renew-ability of policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.

Residential status: Most international travel insurance plans provide coverage only within the US. Some plans provide coverage worldwide. There are plans available only for Non US citizens visiting the US. There are plans where both Non US and US citizens living abroad are eligible to visit the US and claim coverage. There are plans where US citizens traveling outside the US are eligible. Comparing the plans to look for this factor is necessary before we purchase the plan and start the travel.

Sports and other unique activities: Some of the plans provide excellent sports travel insurance coverage for hazardous sports and other adventure activities.

Based on these international travel insurance factors, the customer can find the best travel insurance plan for their needs. At American Visitor Insurance we provide an excellent facility where getting quotes for the plans as per the travelers unique requirement is a lot easier and user friendly. Once the required information is entered in the form, a summary of plans are displayed according to that which satisfies the needs of the customers.

Advantages of comparing international travel insurance

  1. This is an objective evaluation, based on real prices and coverage benefits. As a customer you can make an informed decision not based on the subjective sales pitch from any salesperson.
  2. This saves you plenty of time. If you are not comparing, you would have to go to the websites of the individual insurance providers, and to be fully informed, you would have to read through all the policy brochures. Here, you are able to all of this with a few clicks. Once you find a travel insurance plan of interest, you can zoom in to see details of the coverage and read the specific policy brochure.
  3. It is easy to compare different plans using this international travel insurance comparison tool. You can narrow down the list of by using the filter option. After choosing a few plans, you can then compare detailed information the few plans that you like.
  4. This tool optimizes your search effort, and you are most likely to find the best travel insurance plan for your needs in the shortest time. Along with the best plans based on coverage, you are also likely to find it at the cheapest price, since the prices are transparently displayed for given coverage benefits.

Pre-existing conditions international travel insurance

Older international travelers and travellers with existing medical ailments should be aware of their international travel insurance coverage for pre-existing conditions. Not all international travel insurance options cover pre-existing conditions, and it is important to be well informed about the coverage for existing medical ailments. International travellers can compare international travel insurance for pre-existing conditions based on pre-existing condition coverage as well as on their prices.
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