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Visitors Insurance – Limited Vs Comprehensive Coverage

There are many visitors insurance plans available in the market. Getting a good insurance plan for your parents or relative can be quite confusing. Many times clients ask me if visitors insurance really pays as they have read many negative comments on the Internet. Well, the good news is that YES, insurance companies do pay up to the policy maximums.

Many time people may get the cheapest plan they see online without understanding the coverage in the plan. One main thing to understand when you are shopping is the difference between Limited Vs Comprehensive coverage.

Fixed Benefits also knows as Limited coverage plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

For example, a plan with a $50,000 maximum limit may have a maximum of $3000 for surgery, and a maximum of $500 for diagnostic services (X-rays, scans etc). These fixed limits for different situations are detailed in the plan brochure.
The customer is required to pay an initial deductible for each injury or sickness and the plan pays for the rest of the covered expenses.These are the most affordable plans but usually recommended if family members are very healthy.

Comprehensive Coverage:

These plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance).

Typically for all covered medical expenses during the plan period the insured pays the deductible plus 20% of the first $5,000 in bills; and then the plan pays 100% of the eligible medical expenses up to the plan maximum. Some of these plans tend to have a minimal coverage for pre-existing conditions like $20K. These are a bit expensive but have better coverage for major catastrophic bills.

If you have any questions, please contact Sunny Sethi of Matrix Insurance Agency at 408-986-8506. You can also visit website