Visitors Health Insurance

Foreign Travel Medical Insurance - Types of Insurance

Foreign Travel Medical Insurance: Overview

Foreign Travel Medical Health Insurance plans have been available for travelers for many years. There are many plans underwritten by various insurance companies. Although there are several Foreign Travel Medical Health plans, they can be broadly classified into two categories - Fixed or Capped or Scheduled Benefits Plans and Comprehensive Plans.

Visitor Travel Medical Insurance - Plan Overview

Foreign Travel Medical Insurance - Get Quote

Answer the questions below and click "Get quote" button.

1.	Enter the age of the traveler or visitor
2.	Enter age of the traveler’s spouse if coverage for spouse is required
3.	Enter number & ages of dependents under 18 requiring coverage Child less than 18 years and accompanied by a parent or guardian.
4.	Select the coverage limit for medical expenses Maximum eligible medical expenses that the plan will cover.
5.	Select the deductible amount The initial amount that you are responsible for before the insurance pays for medical expense.
6.	Select the dates for duration of coverage	StartDate: EndDate: Duration:	months days
7.	Select the visitor/traveler's country of citizenship
8.	Select the country/countries where coverage is required
9.	Where is the mailing address Address to mail the insurance ID card and certificate
10.	Where is the traveler/visitor's permanent home Applicant's fixed/permanent home to which he/she has the intention of returning to.
11.	If traveler already in USA, how long has the traveler been in USA Choose your latest entry to USA.

Foreign Travel Medical Health Insurance - Fixed or Scheduled Benefits Plans

Foreign Travel Medical Health Insurance - fixed benefit policies are characterized by various benefit limits for each type of covered medical expense. Foreigners Travel Medical Health Insurance benefit limits typically are not the same as the insurance policy maximum.

For example, a policy with a $50,000 maximum limit may feature upto a maximum of $2000 for surgery, upto a maximum of $500 for diagnostic services (X-rays, scans) etc. The maximum amounts for different situations are detailed in the insurance policy brochure.

Typically you are required to pay an initial deductible for each injury or sickness and then the plan pays for the rest of the covered expenses. You will be responsible for all charges in excess of the fixed benefits offered for each type of medical service.

There is no network of hospitals and doctors; you can go to anybody of your choice.

Scheduled Benefits Plans have the lowest premiums, but the consumer must be aware that the benefits offered are relatively limited as compared to the Comprehensive Coverage Plans.

Examples of Fixed Benefits plans include 'Inbound Immigrant', 'Inbound USA' and 'Visitors Care'.

Foreign Travel Medical Health Insurance - Comprehensive Plans

Foreign Travel Medical Health Insurance - comprehensive policies typically do not have benefit limits based on the type of medical expense. Usually benefits for covered medical expenses go all the way upto the policy maximum (less deductible and co-insurance).

Typically for all covered medical expenses during the policy period the insured pays the deductible plus 20% of the first $5,000; and then the plan pays 100% of the eligible medical expenses upto the policy maximun.

The details for each Foreigners Travel Medical Health Insurance policy such as the policy maximum, medical expense eligibility etc. are listed in the policy brochure.

Comprehensive plans typically recommend or require you to use the hospitals and doctors in the network. The advantage of using hospitals and doctors include minimizing your co-insurance amounts as hospitals/doctors bill at a pre-negotiated discounted rate.

Comprehensive Coverage Insurance Plans have relatively higher premiums, but in turn offer better benefits than the Scheduled Benefits Plans.

Examples of Comprehensive coverage Insurance plans include 'Diplomat America Insurance', 'Diplomat Long Term Insurance', 'Visit USA Healthcare Insurance', 'WorldMed Long Term Insurance', 'Atlas America Insurance', 'Liaison International Insurance' and 'Patriot America Insurance'.

Insurance Products & Services

Visitor Medical Insurance

Europe Travel Insurance

Student Medical Insurance

International Health Insurance

US Immigrant Insurance

J1 Visa Insurance

Group Travel Insurance

Nanny (AuPair) Insurance

Trip / Travel Insurance

Transalate This Page!

International Insurance Tips