Can you please tell me the difference between the terms: per incident and per period of coverage?

Per incident means that the benefit amounts apply to each individual sickness or injury. Per policy coverage is usually offered by limited coverage plans. 

Per policy period means that the benefit amount applies to any claims you make throughout the policy period. This option is usually offered by comprehensive coverage plan.

Though it may seem that limited plans cover more in this scenario, because of the way that limited and comprehensive plans work, comprehensive coverage plans actually protect you more in case of any claims made during the policy period. 


Can't find the answer?
Ask one of our licensed travel insurance consultants

Ask An Expert

Insurance rates are regulated by law.
You can't find the same insurance plan for a lower price anywhere else.


Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our terms and conditions and user agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.