For comprehensive travel medical insurance plans, your deductible is the amount you pay out-of-pocket before your coverage begins. For example, if you select a $250 deductible, you’ll be responsible for the first $250 of your medical expenses. Once you’ve paid that, your policy starts covering the rest of your eligible costs. If you choose a $0 deductible, your coverage begins immediately, and you won’t need to pay anything upfront.

Here’s another example: if your plan covers 80% of costs up to $5,000 and 100% after that, your insurance will pay 80% of eligible expenses for the first $5,000. After you reach that limit, your plan covers 100% of additional medical costs, according to your policy terms. You only pay your deductible once, it’s not a recurring fee.

You can choose the deductible amount that works best for you, but keep in mind that it may affect the cost of your policy.

If you have any questions, our experts are here to help. Call us at 1-866-384-9104 or email support@visitorscoverage.com anytime.