Pick the Right Plan Type: Limited or Comprehensive?
If you’re planning to visit the United States, you’ll need visitors insurance. Shopping for the right visitors insurance coverage is not an easy task. The different factors and terms it has can be confusing.
Choosing the right type of travel insurance plan is the most important part of your decision.
Do not make your decision by looking at the policy maximum amount only; that can be illusive. Most people think insurance will be paying all expenses up to the policy maximum and their responsibility is just the deductible. Unfortunately, this is not the case. But what travel insurance will do is ensure that you don’t face insurmountable debt related to unexpected medical expenses incurred during your trip abroad.
Policy maximum is just the outer limit; you must review the benefits in detail to understand how exactly the benefits are paid. Understand, if there are any internal limits for each service, or if the benefits are paid based on the co-insurance. It’s important to know how much the out-of-pocket limit is? etc. Need a bit more help to understand the difference between comprehensive and limited insurance? We’ve got you covered.
Limited coverage plans may not have adequate coverage. At VisitorsCoverage, we calls from customers who realized only after a medical situation comes up that they purchased limited insurance when they should have purchased comprehensive. It’s so important to read the policy documentation and weigh your options before you make a final purchase.
It is strongly recommended to considering a comprehensive coverage plan, if you are not on a very tight budget. To learn more about visitors travel insurance with comprehensive coverage, visit comprehensive travel insurance or reach out to our team of travel insurance experts for help.