We offer two major categories of plans options including low-cost, fixed schedule of benefits plans and comprehensive coverage plans.
Low-cost, fixed schedule of benefits plans are good options when we are looking for cheaper, basic coverage for emergency room and hospitalization. These types of policies are pay and claim. Once claimed to the insurance company, they will reimburse a specific dollar amount for each and every benefit. These types of plans are cheaper upfront, however, your out of pocket cost is unknown as it depends on which benefits you end up using. These plans do not have PPO Networks, so you can go to any doctor or any hospital of your choice. The challenge is that different providers will charge different prices for services. Regardless of which provider you see, the insurance company has fixed schedule of benefits for reimbursements. Some of the most popular plans include Safe Travels to Visitors to USA, VisitorSecure, and Visitors Care.
Comprehensive coverage plans are the most popular visitors insurance plans available on the market. We recommend clients to choose a comprehensive coverage plan because you don’t have to worry about reimbursements. Most benefits are covered up to the policy maximum for a new eligible sickness/illness. You also have options available to get 100% coverage up to the policy maximum you choose as long as you go to provider within the PPO network. Some of the most popular comprehensive coverage plans include Safe Travels Comprehensive, Atlas America, Overseas Visitors Insurance and Patriot America Plus. These are American Visitors Insurance plans for travel to the United States. To learn more, visit Visitors Insurance and you can request a quote.