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Travel Insurance

What coverage matters in U.S. visitor insurance?

A practical checklist for medical limits, deductibles, networks, evacuation, and exclusions.

Quick answer

  • Confirm eligibility first.
  • Compare medical maximum and deductible together.
  • Check network access and emergency evacuation.
  • Read exclusions and condition-specific wording.

Who this is for

International visitors who need a framework for reading policy summaries before requesting quotes.

What matters most

  • Eligibility and geographic area
  • Emergency and inpatient medical coverage
  • Deductible and coinsurance
  • Network rules
  • Evacuation and repatriation

Options explained

Higher maximum, higher deductible

Can reduce premium but increases initial out-of-pocket exposure.

Lower deductible

Can reduce the first layer paid by the traveler, subject to all policy terms.

Common mistakes

  • Ignoring age-specific limits
  • Assuming a PPO means every bill is direct-billed
  • Skipping the certificate and exclusions

Current verified product information

Products worth comparing next

These details come directly from the current catalog, not hardcoded article prices. Confirm final information with the provider.

IMG

Patriot Lite

Medical maximum
$1,000,000
Deductible
$250
Coverage style
Comprehensive
PPO
Yes

Current verified product information; price requires a live quote · 2026-08-13

Review coverage details →
IMG

Patriot Platinum

Medical maximum
$8,000,000
Deductible
$250
Coverage style
Comprehensive
PPO
Yes

Current verified product information; price requires a live quote · 2026-08-13

Review coverage details →
IMG

Student Health Advantage

Medical maximum
$500,000
Deductible
$250
Coverage style
Comprehensive
PPO
Yes

Current verified product information; price requires a live quote · 2026-08-13

Review coverage details →

Next step

Use the insurance comparison to narrow eligible products, then verify benefits in the official policy documents.

Compare travel insurance →

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