For comprehensive travel medical insurance plans, the deductible is the amount you need to pay out-of-pocket before your insurance starts covering your medical expenses. Here’s how it works:

For example, if you choose a $250 deductible, you’ll be responsible for the first $250 of your medical costs. After you pay that amount, your policy will start covering the rest of your eligible medical expenses. Or, if you choose a $0 deductible, you won’t need to pay anything upfront, and your coverage will begin immediately.

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, the plan covers 100% of additional medical costs according to policy terms. You only need to pay this deductible once, it is not a recurring amount. You get to set the deductible amount for your policy. But keep in mind, it can affect the cost of your policy.

If you still have any questions please don't hesitate to reach out to us at 1-866-384-9104 or email us at support@visitorscoverage.com and one of our experts can help you through the process.