Comprehensive coverage plan:
This type of visitors insurance insurance provides much better coverage compared to the fixed coverage plan. In such insurance plans, you have to first pay the deductible, usually once per year, after that insurance company pays 80% for first $5,000 for eligible medical expenses, you pay remaining 20%. After $5,000, insurance will pay 100% up to policy maximum for eligible medical expenses.

If you are in US, and are using the providers in the network, you don't have to pay 20%. As there is no network for pharmacy, you always have to pay 20% for prescription drugs for first $5,000 expense.

If you are outside US, you don't have to pay 20% either.

Please look at the brochure of each plan for more details.