Best comprehensive travel medical insurance
What is Comprehensive travel insurance?
These 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 (less deductible and co-insurance)
Who should buy comprehensive travel insurance?
What are the best Comprehensive travel medical insurance plans?
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage is available - medical_services
PPO network
Through United Healthcare network
- ecg_heart
Pre-existing condition
Not Covered - calendar_month
Period of Coverage
5 days to 364 days and it can be renewed up to 24 months
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent care
$25 copay - medical_services
Chiropractic Care
Up to the maximum limit - emergency
Emergency reunion
$100,000 maximum limit - ambulance
Evacuation
Up to the maximum limit
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage is available - medical_services
PPO network
Through First health care network
- ecg_heart
Pre-existing condition
Covers unexpected recurrence of pre-existing conditions up to $1,000 - calendar_month
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- cardiology
Cardiac conditions
Covered - dentistry
Dental Treatment
$250 per Policy Period - enterprise_off
Trip Interruption
$5,000 - ambulance
Evacuation
100% up to $2,000,000
- request_quote
Max Coverage
$50,000 to $2,000,000 coverage is available - medical_services
PPO network
Through United Healthcare network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
Available up to 364 days and it can be renewable
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent care
Up to $15 co-payment - no_accounts
Lost or Stolen Passport
Up to 100 - enterprise_off
Trip Interruption
Up to $10,000 - ambulance
Evacuation
$1,000,000 lifetime maximum
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage is available - medical_services
PPO network
Through First health care network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent care
$30 per Incident - medical_services
Physiotherapy
Limited to $50 per visit - enterprise_off
Trip Interruption
$5,000 - ambulance
Evacuation
100% up to $2,000,000
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage is available - medical_services
PPO network
Through United Healthcare network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
5 days to 364 days and it can be renewed up to 24 months
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent care
$25 copay - local_hospital
Walk-In Clinic
$15 copay - medical_services
Chiropractic Care
Up to the maximum limit - emergency
Emergency reunion
$100,000 maximum limit - ambulance
Evacuation
Up to the maximum limit
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage is available - medical_services
PPO network
Does not belong to any ppo network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
15 days to 364 days, not renewable
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent care
80% of first $5,000, then 100% - no_luggage
Loss of Baggage
$50 per article, max $250 - enterprise_off
Trip Interruption
Covers up to $5,000 - ambulance
Evacuation
Covers up to $250,000
- request_quote
Max Coverage
$75,000 and $200,000 coverages are available - medical_services
PPO network
Through United Healthcare network - ecg_heart
Acute on set of pre-existing condition
Covered up to $20,000 for under 65 years and $2,500 for 65+ - calendar_month
Period of Coverage
5 days to 364 days
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period
- local_hospital
Urgent Care
$50 co-payment - enterprise_off
Trip Interruption
Up to $5,000 - procedure
Repatriation
Equal to the max limit - ambulance
Evacuation
50,000 lifetime maximum
- request_quote
Max Coverage
$50,000 and $100,000 coverage’s are available - medical_services
PPO network
Through United Healthcare network
- ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum - calendar_month
Period of Coverage
90 days up to 364 days and it cannot be extended
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- dentistry
Emergency dental
up to $250 - medical_services
Home health care
Up to policy maximum - local_hospital
Urgent Care Clinic
Up to $30 copay - ambulance
Evacuation
Up to $250,000
- request_quote
Max Coverage
$150,000 to $1,000,000 coverage is available - medical_services
PPO network
Through United Healthcare network - ecg_heart
Pre-existing condition
Covers full pre-existing conditions - calendar_month
Period of Coverage
Coverage for minimum of 90 days up to 364 days and it can be renewable
- cancel
Cancellation
Must be submitted 24 hours before the plan start date. There are no exceptions to this policy. Initial INF membership fee of $10 and $5 administration fee is non-refundable You may fax the completed forms to 408-520-4967 or email to support@infplans.com. Incomplete forms or forms without an authorized signature will not be processed. Learn more open_in_new
- procedure
Chemotherapy
Covered - medical_services
Physiotherapy
$50 per visit, max $500 - procedure
Repatriation
Covers up to $20,000 - ambulance
Evacuation
Covers up to $25,000
- request_quote
Max Coverage
$50,000 to $150,000 coverage is available - medical_services
PPO network
Through United Healthcare network - ecg_heart
Pre-existing condition
Covers pre-existing condition Up to $25,000 with a $1,500 deductible - calendar_month
Period of Coverage
90 days up to 364 days and it cannot be extended
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- dentistry
Emergency dental
Up to $300 - medical_services
Emergency reunion
$100,000 maximum limit - local_hospital
Urgent Care Clinic
Up to $50 copay - ambulance
Evacuation
Up to $25,000 maximum limit
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage available - medical_services
PPO network
Through First health care network - ecg_heart
Pre-existing condition
Covers unexpected recurrence of pre-existing conditions up to $1,000 - calendar_month
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- cardiology
Cardiac conditions
Covered - dentistry
Dental Treatment
$500 per Policy Period - enterprise_off
Trip Interruption
$7500 - ambulance
Evacuation
100% up to $2,000,000
- request_quote
Max Coverage
$50,000 to $2,000,000 coverage available - medical_services
PPO network
Through First health care network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
available up to 364 days and it can be renewable
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent Care
Up to $15 co-payment - no_accounts
Lost or Stolen Passport
Up to $100 - enterprise_off
Trip Interruption
Up to $10,000 - ambulance
Evacuation
$1,000,000 lifetime maximum
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage available - medical_services
PPO network
Plan is part of IPA(MG's proprietary International Provider Access) - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
5 days to 364 days and it can be renewed up to 24 months
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent Care
$25 copay - local_hospital
Walk-In Clinic
$15 copay - medical_services
Chiropractic Care
Up to the maximum limit - emergency
Emergency reunion
$25,000 per member - ambulance
Evacuation
Up to the maximum limit
- request_quote
Max Coverage
$50,000 to $150,000 coverage is available - medical_services
PPO network
Through United Healthcare network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
5 days to 364 days, cannot be renewed
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent Care
Up to $50 co-payment - dentistry
Emergency Dental
Up to $200 - procedure
Repatriation
Covers up to $50,000 - ambulance
Evacuation
Covers up to $500,000
- request_quote
Max Coverage
$50,000 to $2,000,000 coverage is available - medical_services
PPO network
Through United Healthcare network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum - calendar_month
Period of Coverage
Available up to 364 days and it can be renewable
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- local_hospital
Urgent care
Up to $15 co-payment - no_accounts
Lost or Stolen Passport
Up to $100 - enterprise_off
Trip Interruption
Up to $15,000 - ambulance
Evacuation
$1,000,000 lifetime maximum
- request_quote
Max Coverage
$50,000 to $1,000,000 coverage’s are available - medical_services
PPO network
This plan is part of First Healthcare network - ecg_heart
Pre-existing condition
Pre-existing conditions are covered after 6 months of waiting period - calendar_month
Period of Coverage
Coverage available from 1 day to 180 days and it can be renewed
- cancel
Cancellation
100% refund for plans cancelled prior to the effective date. All cancellations must be submitted in writing and are based on the date received
- enterprise_off
Trip Interruption
up to $7,500 - schedule
Trip Delay
$2,000 ($150 per day) (12 hours) - person
Repatriation of remains
$50,000 - ambulance
Evacuation
$500,000
- request_quote
Max Coverage
$50,000 and $100,000 covreages are available - medical_services
PPO network
Plan is part of IPA(MG's proprietary International Provider Access) - ecg_heart
Pre-existing condition
Covers recurrence of pre-existing condition up to $2,500 - calendar_month
Period of Coverage
Coverage up to 364 days and it can be renewed
- cancel
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
- medication
Prescription drugs
Up to the plan maximum limit - visibility
Emergency eye examination
$150 maximum limit - person
Political evacuation
$50,000 maximum limit - ambulance
Evacuation
$250,000 maximum limit
- request_quote
Max Coverage
$50,000 and $1,000,000 covreages are available - medical_services
PPO network
Freedom to choose any international doctor or facility for services - ecg_heart
Pre-existing condition
Covers after 6 months look back period - calendar_month
Period of Coverage
Coverage up to 182 days
- cancel
Cancellation
Notify writing indicating your desire to cancel. If you have not departed on your trip before the date of the communication, you will receive a full refund.
- medication
Emergency dental
Up to $300 maximum per Trip Period and $200 per tooth - ambulance
Emergency evacuation
Up to $500,000 - person
Repatriation Of Remains
Up to $25,000 - ambulance
Hazardous Activities
$10,000
- request_quote
Max Coverage
$50,000 and $1,000,000 covreages are available - medical_services
PPO network
PHCS PPO Network - ecg_heart
Pre-existing condition
Acute on set of pre-existing conditions covered up to 69 years - calendar_month
Period of Coverage
5 days to 12 months
- cancel
Cancellation
Before Effective Date: Full refund of premium is available
After Effective Date: $25 cancellation fee will be charged by the insurance company.
- medication
Emergency dental
Up to $300 maximum - ambulance
Emergency evacuation
Up to $1,000,000 - person
Repatriation Of Remains
To the selected Policy Maximum - sports_soccer
Optional Sports Coverage
$50,000 per Policy Period
How much does Comprehensive travel insurance cost?
Travel to USA
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| Atlas Essential America WorldTrips | 50,000 | 250 | $58 |
| Safe Travels USA Cost Saver Trawick | 50,000 | 250 | $71 |
| Patriot America Lite IMG | 50,000 | 250 | $78 |
| Atlas America WorldTrips | 50,000 | 250 | $78 |
| Patriot America Plus IMG | 50,000 | 250 | $79 |
| Safe Travels USA Trawick | 50,000 | 250 | $85 |
| Atlas Premium America WorldTrips | 50,000 | 250 | $98 |
| Diplomat America Global Underwriters | 50,000 | 250 | $125 |
| INF Safe Travels USA INF | 150,000 | 250 | $176 |
Travel outside USA
The average cost of comprehensive travel insurance is based on quotes for a 40-year-old for one month.
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| Atlas International WorldTrips | 50,000 | 250 | $40 |
| Atlas International WorldTrips | 50,000 | 250 | $54 |
| Patriot International Lite IMG | 50,000 | 250 | $55 |
| Voyager Essential Geoblue | 50,000 | 250 | $58 |
| Intermedical Travel Insure | 50,000 | 250 | $73 |
| Atlas Premium International WorldTrips | 50,000 | 250 | $76 |
| Safe Travels Outbound Trawick | 50,000 | 250 | $77 |
| Safe Travels International Trawick | 50,000 | 250 | $107 |
Source: American Visitor Insurance®
What does comprehensive travel insurance cover?
Visitor Insurance plans with comprehensive coverage are better when compared to the fixed or scheduled benefit insurance plans because they do have limits on coverage for each medical service and offers coverage for travelers up to the policy medical maximum.
Do not have benefit limits based on the type of medical expense. Pays for all expenses after the deductible and co-insurance component. Have PPO networks that is cashless service like direct billing. More discounted rates and easily accepted within the PPO network.
How does a comprehensive travel insurance policy work?
A comprehensive travel insurance policy works by covering a wide range of travel and medical expenses. After you pay the deductible, the insurer covers eligible costs often 80% to 100% up to the policy maximum.
Consider an example where your:
- full_coverage
Insurance coverage $50,000
- attach_money
Deductible $500 per certificate period
- draft
Medical expenses Claims$26,500
Below is a simple calculation showing how much the plan/insurance company pays you:
- Subtract the deductible from claims amount - $26,500 minus $500 equals $26,000. Insured bears $500
- Apply 100% coinsurance
- Plan/insurance company pays: $26,500 minus $500 equals $26,000 and insured bears $500
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Deductible | $500 | $0 | $500 |
| Days in hospital | $3,000/day for 2 days | $6,000 | $0 |
| Surgery | $18,000 | $18,000 | $0 |
| Prescription Drugs | $600 | $600 | $0 |
| X Ray | $1,400 | $1,400 | $0 |
| Total: | $26,500 | $26,000 | $500 |
What are the pros and cons of comprehensive benefit travel insurance plans?
| Pros | Cons |
| Extensive medical coverage including doctor visits, hospitalization, and emergency care. | Higher premium costs compared to fixed benefit travel insurance. |
| Reimbursement based on actual costs up to the plan’s maximum limit. | More complex claims process, often requiring detailed documentation. |
| Additional benefits often included, like trip cancellation, baggage loss, and travel delays. | May exclude full coverage for chronic pre-existing conditions. |
| Access to PPO networks with potential for direct billing at participating healthcare facilities. | Certain plans have age-related limits or reduced coverage for older travelers. |
Are pre-existing conditions covered in comprehensive travel insurance?
Comprehensive travel insurance frequently asked questions
1. What is comprehensive travel medical insurance for the USA?
Comprehensive travel medical insurance for the USA is the best type of travel insurance that provides coverage for various aspects of travel to the United States. Comprehensive visitors travel insurance is more expensive when compared to fixed benefits travel insurance, but the coverage benefits is significantly higher.
2. What does comprehensive travel insurance cover?
Comprehensive travel insurance plans covers
- Emergency medical room services
- Urgent Care
- Emergency medical evacuation
- Emergency dental
- Political evacuation
- Pre-existing conditions
- Prescription Drugs
- Lost luggage
- Repatriation of remains
3. What does comprehensive travel medical insurance for the USA typically cover?
Comprehensive travel medical insurance for the USA covers medical expenses for accidents or illnesses, emergency medical evacuation and repatriation and some plans may include coverage for pre-existing conditions.
4. Is comprehensive travel health insurance mandatory for entering the USA?
No, Comprehensive travel insurance is not always mandatory for the USA, but some countries do require it for visa approval (e.g., Schengen countries). However, it is highly recommended as US healthcare costs are extremely high, and having visitors insurance coverage can help protect you financially in case of unexpected medical issues or emergencies.
5. Can comprehensive visitors medical insurance cover pre-existing conditions?
Some comprehensive travel health insurance plans may offer coverage for pre-existing conditions, others may provide limited coverage for acute onset of pre-existing conditions while still others may exclude them. It's important to compare the plans on American Visitor Insurance and to review the policy details and exclusions to understand what is covered.
6. How much does comprehensive visitors travel insurance for the USA cost?
The cost of comprehensive travel medical insurance for the USA varies depending on factors such as your age, trip duration, coverage limits, and any optional add-ons you choose. Typically, the cost can range from 5% of your trip cost to around 10% of the total trip cost.
7. Can comprehensive US travel insurance cover trip cancellation or interruption?
Yes, comprehensive travel insurance with trip cancellation coverage for the USA typically includes coverage for trip cancellation or interruption due to covered reasons such as illness, injury, death of a family member, natural disasters, or other unforeseen circumstances. However, travel insurance without trip cancellation coverage will not cover trip interruption costs. It is important to compare the options on American Visitor Insurance and to review the policy details.
8. Does comprehensive US visitors travel insurance cover emergency medical evacuation?
Yes, comprehensive travel insurance for the USA includes coverage for emergency medical evacuation. If you require immediate medical attention and the local facilities are unable to provide adequate treatment, the insurance will cover the cost of transporting you to the nearest suitable medical facility.
9. How do I purchase comprehensive travel medical insurance for the USA?
You can purchase comprehensive travel insurance for the USA on American Visitor Insurance. Here the best US travel insurance plans are objectively reviewed and compared based on price and coverage benefits. It is recommended to compare different plans at americanvisitorinsurance.com, read policy details, and choose the coverage that best suits your needs.
10. What should I do if I need to make a claim?
If you need to make a claim, contact your travel insurance provider as soon as possible. They will guide you through the claims process and provide the necessary forms and documentation requirements. It is important to keep all relevant receipts, medical reports, and other supporting documents for your claim.
11. Can I extend my comprehensive travel health insurance coverage if my trip gets extended?
Some insurance providers offer the option to extend your comprehensive travel insurance coverage if your trip gets extended. However, this usually needs to be done before the original coverage period expires, and additional premium may be required. Contact American Visitor Insurance and talk to a licensed agent at +1-(877)-340-7910 to get help in this regard.
What are the key benefits of comprehensive travel insurance for seniors when traveling internationally?
Are comprehensive benefit insurance plans suitable for short-term medical insurance for international travel?
Resourceful visitors medical insurance information
Visitor insurance resources
Choose comprehensive visitors travel insurance for medical emergency while outside your home country.
Compare visitors insurance factors
Important factors while deciding on the best comprehensive travel insurance for USA.
Comprehensive travel insurance online
Understanding different types of comprehensive travel health insurance plans.
Travel insurance Claims Procedure
Comprehensive travel insurance online claims process for getting medical care in a hospital.
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Fixed benefits US travel insurnace have specific benefit limits for different covered medical expenses.
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