Visitors Care vs. Inbound USA Insurance
If you're looking to buy visitors insurance, you may have come across these two travel medical insurance plans during your search: Visitors Care and Inbound USA. While these two travel insurance policies may seem similar at a first look, you should understand the differences between Visitors Care and Inbound USA before making your decision.
Both visitors insurance policies are limited coverage plans, meaning that they pay a fixed, pre-defined amount per incident. For more information about the difference between Visitors Care insurance and Inbound USA insure, refer to the comparison chart below.
COMMON EXCLUSIONS (What's not covered)
- Preventative care (immunizations, routine medical exams)
- Injuries incurred from certain extreme sports and hazardous activities
- Pregnancy and maternity care
- Treatment for mental health disorders
BEWARE: Risk of Limited Plans
Limited coverage insurance plans may be less expensive, but come with higher liability risks. Since limited travel insurance policies only cover a fixed, pre-defined amount for each benefit, you pay for any costs that exceed the pre-defined amount for any given medical treatment or service, and those medical costs could potentially run up to thousands of dollars.
Example: If you have a limited coverage policy with a limit of $400 for ambulance services, which costs about $2,000, then you have to pay the difference – a liability of $1,600.