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Visitors Insurance - Fixed Coverage Plans

Visitors Insurance - Fixed Coverage Plans

When shopping for visitors insurance, it is extremely important to understand the plan you are purchasing, is it a fixed coverage plan or a comprehensive coverage plan? Fixed coverage plans are also called Scheduled Benefit plans or Limited coverage plans. While a fixed coverage plan costs less, a comprehensive coverage plan provides much better coverage and is highly recommended.

Complete side by side comparison of Fixed Coverage vs Comprehensive Coverage Plans

Fixed Coverage Plans

Fixed coverage plans provide limited coverage and lack certain benefits, as described below:

  • Benefits: After the deductible, it pays a fixed amount for eligible expenses and you pay the difference.

  • Cost: The cost is low; coverage offered is limited and insufficient.

  • Deductible: Deductible is typically either once per incident or per period of coverage.

  • Out of Pocket Maximum: There is no out of pocket maximum, leaving you at risk.

  • Policy Maximum: An aggregate maximum limit on benefits that are subject to the sub-limits set in the schedule of benefits.

  • PPO Network: Most plans do NOT participate in a PPO network. Direct billing depends upon the provider.

  • Contracted Rates: Plans that do not participate in a PPO network will not have contracted rates.

  • Providers: Freedom to visit any provider. Benefits are the same no matter which provider you visit.

  • Travel Coverage: None.

  • Acute Onset of Pre-Existing Conditions: Provided in many plans. However, benefits are still paid according to the plans schedule of benefits.

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 purchase 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 would not be 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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