Visitors Insurance

Comprehensive Coverage Visitors Insurance Plans

Visitors Insurance - Comprehensive Coverage Plans

There are many American visitors insurance plans available in the market today. However, most of them fall into two major categories: fixed coverage plans and comprehensive coverage plans. Some information may also refer to them as limited vs. comprehensive visitors insurance. When it comes to health insurance for foreign visitors to the USA, we always recommend everyone purchase comprehensive coverage plans.

Comprehensive Coverage Plans

We always recommend comprehensive coverage plans due to the following reasons:

  • Benefits: After the deductible, it will pay a set percentage up to a certain amount, then 100% up to the chosen policy maximum or a set percentage up to the chosen policy maximum.

  • Cost: The plans cost more than fixed coverage plans; however the cost is reasonable considering the benefits provided offer proper protection.

  • Deductible: Deductible only has to be met once per policy period or year.

  • Out of Pocket Maximum: Generally limited to chosen deductible and co-insurance in most cases.

  • Policy Maximum: Properly covered up to the chosen policy maximum.

  • PPO Network: Most plans participate in PPO network; have contracted rates, and direct billing available.

  • Contracted Rates: Available for PPO network plans.

  • Providers: Freedom to visit any provider; however it's beneficial to visit providers in the network.

  • Travel Coverage: Extensive benefits provided beyond the policy maximum.

  • Acute Onset of Pre-Existing Conditions: Provided in many plans.

Due to above reasons, we always recommend comprehensive coverage plans.

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Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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