Best Visitor Insurance in the USA

Posted by in Immigrants | Updated on August 24, 2022

Disclosure: Stilt is a lending company. Nonetheless, we are committed to recommending the best loan products to our readers when their needs are outside Stilt’s loan offerings.

It’s an exciting time to plan your international travels. Business people, family members, and tourists alike plan trips months before it actually happens. Plane tickets and accommodation are fairly simple to book as long as you know where you want to go. But how do you get health insurance in a foreign country? Your current medical insurance probably won’t cover any costs in a foreign country. Or perhaps the costs for any help from your current health insurance company is too expensive abroad?

Why don’t you try the best visitor insurance USA? Your best solution could be a special kind of health insurance specifically designed for people who need short term coverage. This is how it works.

Disclosure: Stilt is a lending company. Nonetheless, we are committed to recommending the best loan products to our readers when their needs are outside Stilt’s loan offerings.

What is Visitor Insurance

Visitor insurance helps those who visit the U.S. on a temporary visa like a B1 visa. Tourists don’t have to worry about their time abroad without any health insurance. Visitor insurance helps to cover the qualifying medical expenses whilst the beneficiaries are temporarily abroad. Multiple beneficiaries can benefit from this service. An entire family could even sign up for coverage. Keep in mind pricing structures usually require a payment per beneficiary though.

What Does Visitor Insurance Cover?

Most types of health insurance only cover new medical conditions. They may take old injuries and illnesses into account but that is up to you and the service provider to agree upon. Certain medical insurance plans could for instance cover certain chronic illness medications (which would come at an extra monthly cost).

There area few types of best visitor insurance USA. Let’s have a look.

Difference Between Fixed and Comprehensive Travel Insurance

There are two types of visitor insurance we’ll look at here namely fixed travel insurance and comprehensive travel insurance. The two may sound like the same product but they have some clear differences.

Fixed travel insurance is a budget option when compared to comprehensive travel insurance. You pay less but get less as well. You might run the risk of not receiving full coverage for every type of medical expense in the event of an unfortunate accident. This means you may actually end up paying more than you bargained for if you have to cover the shortfall.

Comprehensive travel insurance costs more than a fixed plan. But you get full coverage in the event of a medical emergency. The maximum limit for a comprehensive plan is much higher than a fixed plan. The likelihood that you’ll run out of funds for medical-related expenses is much lower.

Best Visitor Insurance in the USA

So what is the best visitor insurance in the USA? Here are some of the more popular options. Use the information provided to guide you to the options best suited for your situation.

ProviderBest ForCoverage
Atlas America Comprehensive coverage 100%

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Patriot America Plus Comprehensive coverage 100%

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Safe Travels USA Comprehensive Comprehensive coverage 100%

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Safe Travels USA Comprehensive Fixed Coverage Based on Plan

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VisitorSecure Fixed Coverage Based on Plan

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Visitors Care Fixed Coverage Based on Plan

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Recap: Best Visitor Insurance in the USA

Types of Travel Insurance

You can categorize travel insurance into many different categories if you want to be pedantic. But there are predominantly two types – fixed plan travel insurance and comprehensive plan travel insurance. You need to choose the best category for your unique situation to find the best visitor insurance in the USA for you.

Fixed Plan Travel Insurance

As mentioned previously fixed plans are like the budget option. You take this product if you want a cheaper option without minding the cut of some of the value-added services. The plan typically requires a deductible (a set amount you must pay) before the insurance disburses the agreed amount. The plan also only pays out a fixed amount per expense type. For example, a doctor’s appointment warrants a specific amount, and a visit to an emergency room warrants a different amount. The deductible could be paid per expense or as a set amount at the start of every active period.

These plans have a lower maximum limit when compared to a comprehensive plan, but you pay less. The plan might not cover every and any medical expense type. Make sure you visit an approved medical facility or else you might not be able to claim any expenses from your service provider. A fixed plan doesn’t necessarily cover travel-related expenses like lost luggage and travel interruption expenses.

Some medical facilities may not deal with insurance providers, but your provider may still approve the facility and the expense type. Pay the expense and then claim it from your insurance provider by following the prescribed claim procedure.

A fixed plan is probably your best option if you want to spend the least amount of money on insurance. The plan can still cover a whole range of medical emergencies and will definitely help a good deal when you need to cover some health-related expenses on your trip abroad.

Comprehensive Plan Travel Insurance

A comprehensive plan will be much more expensive when compared to a fixed travel plan, but you get much more included. It’s not necessarily more value for money than a fixed plan, but you do get what you pay for.

A comprehensive plan also generally requires a deductible, but thereafter the insurance covers a set percentage of the expense in question. The percentage covered by the insurance will increase to 100% once a certain expense roof is surpassed. For instance, the insurance may cover 80% of all agreed expenses up until a total expenditure of $5’000. Thereafter the insurance will cover 100% of the agreed expenses. A comprehensive plan also has a maximum limit, but it is much higher than the limit of a fixed plan.

Comprehensive plans usually have a network of approved medical facilities that accepts your insurance provider’s business. You only need to produce your travel insurance details and they’ll send the bill to your insurance provider. You’ll get a credit card-sized identification card bearing your insurance details. This helps you remember your details when you need to pay health-related expenses.

A comprehensive plan is your best option if you are willing to pay top dollar for the best type of coverage. More types of expenses are covered by a comprehensive plan when compared to a fixed plan. You also get more added services like coverage for any expenses related to being a victim of terrorism whilst you’re on your trip. A comprehensive plan may also be much more lenient towards the acute onset of pre-existing conditions. The maximum limit for pre-existing conditions is determined by your insurance provider.

Where to Purchase Visitor Insurance

You can buy the best visitor insurance in the USA in more than one place. You could compare prices on insurance websites. Or you could contact the different insurance providers and ask to speak to a sales consultant. You could even speak to an insurance broker and ask for the different visitor insurance products they offer.

The important thing to remember is not so much as where you buy it, but where these products actually work. You could possibly even buy visitor insurance abroad, but make sure it offers coverage for your travels in the U.S. You don’t want to spend money on something that does not offer the help you need when you need it most. You don’t want to sustain an injury in the U.S. only to find that your insurance provider won’t cover any costs here.

Just like the questions at a B2 visa interview, you have to ask some questions of your own. Speak to a professional and ask them to show you the terms and conditions of your insurance. Make sure you know what should be covered and what won’t be covered by your visitor’s insurance. This information is crucial since it could determine whether your medical bills abroad are settled or not.

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