- Limited Coverage Visitor insurance policy (Benefits are fixed, limited to per incident)
- Comprehensive Visitor’s insurance policies (Benefits are percentage based)
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Comprehensive coverage plans are the most popular choice among visitors to the US, as well as the most recommended by VisitorsCoverage. This is because comprehensive coverage plans provide a greater amount of coverage and leave the insured with less liability. These plans are generally more expensive because of the high potential benefit payout. A limited coverage plan on the other hand, provides a fixed amount per service or treatment. Though limited coverage plans may cost less, they certainly would not provide adequate coverage if anything serious occurred during your stay in the US.
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A comprehensive coverage plan is highly recommended for parents visiting the USA or Canada since the cost for healthcare can be quite high. A comprehensive coverage plan can provide peace of mind should the insured face any serious medical illnesses or accidents during their stay abroad.
Below is a table demonstrating the major differences between comprehensive coverage plans and limited coverage plans.
A) Comprehensive Visitors Insurance Plan
B) Limited Coverage Plans (Fixed Coverage Plan)
|A. Comprehensive Coverage||B. Limited Coverage Plan|
|Coverage||– Enhanced and better benefits when compared with limited coverage plans.|
– Best suitable for high risks or big expenses.
|– Provide Basic Coverage.|
– Good for general or basic service and to cover lower risks.
|Benefit and Liability||– Most comprehensive coverage plans work like PPO plans where insured liability is deductible and co-insurance.|
– Lower out-of-pocket expenses for insured
– Better coverage, more protection
– Most things are covered on a percentage-based basis up to policy maximum, there is no pre-defined limit per service
|– Basic coverage, where insurance pays only a pre-defined, fixed dollar amount for each medical service|
– Any leftover expenses are the insured’s responsibility
– May have higher out-of-pocket expenses
– May not provide adequate coverage should you experience a serious medical illness/accident
|PPO Network||– Most comprehensive plans have PPO network. This means greater acceptance rate inside the network.|
– Discounted rates may be offered
|– No PPO network.|
|Can you visit any Doctor or Hospital?||– Yes, you may visit any doctor, but it is advisable that you visit a facility within the Provider Network if PPO network is available.||– You may visit any doctor/facility that you want, but the insurance will pay the pre-defined amount no matter what the physician charges|
|Travel Related coverage||– Yes. Most of them have travel related coverage bundled, and provide you with coverage for trip interruptions, baggage loss, terrorism etc.||– No travel-related coverage|
|Rates/Cost||Higher premium||Low premium (low cost)|
Source : VisitorsCoverage.com
While making your decision on which plan is best suitable for your traveler, it is important that you review the policy documents in detail to ensure that you have a strong understanding of the covered benefits and policy exclusions before making a purchase.
The following are popular travel medical insurance plans for visitors to the U.S. in each category:
|Comprehensive Coverage Plans||Limited / Fixed Coverage Plans|
For more information, refer to our article on choosing the right visitors insurance for the USA visitor insurance for USA
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