Trip vs Travel vs Global Medical Insurance plans

Confused whether you need to buy Trip Insurance or Travel medical insurance or long term Global insurance? Here are some differences:

Travel insurance quote form

Do you want to insure trip cost as well as the health of the traveler?

     
     

Please click here to buy Travel Insurance for Quarantine coverage

Traveler's residence
Travelers (Age)
Trip cost($)/person

Destination
Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

cancellation

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

medical evacuation

Medical evacuation

Transportation to or between hospitals as needed.

delay

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

baggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

medical expenses

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Child
Residence
Destination
Start date
End date

Travel medical insurance with no trip protection - Highlights

medical expenses

Health care expenses

Covers medical costs for sickness or accidents during travel.

doctor visit

Doctor visit

Covers cost of clinic or doctor visit.

pharmacy drugs

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

medical evacuation

Medical evacuation

Transportation to or between hospitals as needed.

repatriation of remains

Repat of remains

Return of moral remains to home country or local burial.

Trip Insurance

Insures the cost of the trip

Travel Medical Insurance

Insures health of traveler

Global medical Insurance

Long-term exclusive coverage

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Covered benefits

This insurance covers all pre-paid expenses for trip cancellation, trip interruption, trip delay, baggage loss, airline expenses, rental car coverage, hotel bookings, cruise bookings and any other trip related costs. This will also cover medical benefits like dental expense and other expenses that a travel medical insurance covers.

These plans provides coverage for both US and Non US citizens medical benefits such as dental expenses, pre-existing conditions coverage, emergency medical evacuation, repatriation benefits, medical expenses for any injury and unexpected sickness outside their home country.

Global medical insurance provides worldwide coverage for both Non US citizens and US expats unlike regular travel medical insurance. They include coverage for preventive care, routine dental and medical check-up, prescriptions and medications, maternity (covered after a year).

Limitations

Trip insurance does not provide any coverage for routine and preventive care. Pregnancy and maternity related benefits are not covered. Mental btn-darklth and drug abuse are not covered. Routine care for pre-existing conditions is not available.

Routine care for pre-existing conditions is not covered. Pregnancy and Maternity benefits are not covered. Preventive Care services are not available. People above age 70 get limited coverage for pre-existing conditions.

Coverage for US and Non US citizens is not available in their home country (unless below the threshold limit of days within home country allowed by insurance company). Waiting period may be applicable for pregnancy and maternity coverage. These plans are not guaranteed approval as they go through underwriting review.

Cost

The cost of a trip protection insurance policy will depend on the money you have invested on your vacation and any additional coverage you may need

The cost depends on the type of travel insurance you buy, some plans are limited while others are comprehensive. You need to understand the differences between fixed and comprehensive plans before you buy it.

More expensive but is comprehensive as they offer long term coverage and includes coverage for maternity, mental, dental, vision and preventive care services. Global plans also offer fixed or comprehensive coverage

Popular Plans
Travel Lite | Travel SE | Travel LX| Round Trip Basic | Round Trip Choice | Single Trip Protection | First Class Trip Protection | Safe Travels Explorer | Safe Travels Explorer Plus | Safe Travels Journey | Safe Travels Voyager | Trip Protector | Travel Sport Insurance | Vacation Rental insurance Visitors Care | Visitor Secure | Inbound USA Basic | Patriot America Plus | Patriot International | Patriot Platinum | Atlas America | Atlas International | Liaison Travel Choice | Liaison Travel Basic | Patriot Platinum | INF Elite Network | INF Traveler USA | Liaison Travel Plus| Safe Travels USA | Safe Travels USA Comprehensive |
Safe Travels USA Cost Saver | Safe Travels Elite | Safe Travels Elite Diamond | Safe Travels International | Safe Travels International Cost Saver | Safe Travels Outbound | Safe Travels Outbound Cost Saver |
Global Medical Insurance | Global Medical Bronze | Global Medical Silver | Global Medical Gold| Global Medical Platinum | GeoBlue Xplorer Premier | GeoBlue Xplorer Essential | GeoBlue Xplorer Select
  Trip Insurance Travel Insurance Global Plans
Trip Cancellation Trip Cancellation is available Trip Cancellation is not available Trip Cancellation is not available
Trip Interruption Trip Interruption is available Trip Interruption is not available Trip Interruption is not available
Baggage Loss Baggage Loss is available Baggage Loss is not available Baggage Loss is not available
Medical Evacuation Medical Evacuation is not available Medical Evacuation is available Medical Evacuation is not available
Dental Dental is available Dental is available Dental is available
Accident Accident is not available Accident is not available EvacAccidentuation is not available
Pre-existing conditions coverage pre-existing conditions coverage is not available pre-existing conditions coverage is available pre-existing conditions coverage is available
Pregnancy and Maternity Pregnancy coverage is not available Pregnancy coverage is not available Pregnancy coverage is available
Mental btn-darklth and drug abuse Mental btn-darklth and drug abuse coverage is not available Mental btn-darklth and drug abuse coverage is not available Mental btn-darklth and drug abuse coverage is available
Routine care for pre-existing conditions Routine care for pre-existing conditions coverage is not available Routine care for pre-existing conditions coverage is not available Routine care for pre-existing conditions coverage is available
Cost $$$ $$ $$$$

Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give senior citizen travelers in USA a wide range of health insurance options. We have nearly two decades experience in understanding the diverse requirements of older travellers and parents in US and in offering appropriate medical insurance options to them. Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate health insurance for senior citizen needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all health insurance for older travelers questions, reviews of different products, testimonials for customers as well as provide an user friendly US health insurance comparison tool where older travelers can compare different products based on price as well as the coverage benefits. All of these tools help travellers make an informed decision while buying travel insurance.

Factors that determine the cost of US travel insurance plans

1.
Age of the traveler
The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the travel health insurance.
2.
Type of travel insurance:
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
3.
Medical maximum coverage and deductible options
The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
4.
Region of coverage
Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
5.
Duration of travel insurance
The longer the duration of visitor medical insurance required, the higher will be the cost.

Steps to buy US travel insurance online

Step 1: Finding the available international travel insurance plans

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 travel insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

International travel insurance for global destinations

International travel insurance for USA

Travel insurance for USA
  • J visa insurance for US Exchange scholars and their dependents (J1 visa insurance and J2 visa insurance)
  • Snowbird travel insurance for USA travelers from Canada and the UK (for warmer USA weather during winter)
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