For travelers visiting U.S.A, there are two types of visitors Medical Plans available. Low cost schedule fee plans and Co-insurance medical plans. In most cases co-insurance plans are the best options / coverage with limited exposure for the insured. Here is a comparison on both options, so you can make the right choice.
Coverage
Covers any traveler visiting the US.
Claims are paid per the schedule of benefits provided with each plan. Insured is responsible for all excess amount over the schedule fee. For example if schedule fee covers doctor office visit up to $60, then insured is responsible for 100% of the amount over an above $60. There is no limit to members responsibility.
Coverage Amount
Medical coverage amount varies from $45,000 to $150,000.
The coverage amount is per illness / sickness.
Deductible
Deductible varies from $0 to $100 per incident (illness / sickness).
Renewal
Yes, these plan are renewable.
Purchasing it for longer period of time will not give you a discount.
Geographical coverage area
Primarily provides coverage in US.
It covers the journey to and from US
It provides incidental trip to Canada as well.
Network
There is no provider network restriction and no discounts for
visiting a network provider.
Coverage
World Wide Coverage, for travel outside home country.
After the deductible, insurance company covers at 50-90% of the first $5000 of allowed medical bills and then 100% up to medical maximum amount selected. So insured’s responsibility is limited to deductible and 10-50% of the first $5000. Rest is paid by the insurance company till the medical maximum selected by the insured.
Coverage Amount
Medical coverage amount varies from US$ 50,000 to $ 1 Million
The coverage amount is for the entire policy period and not per incident
Deductible
Deductible amount varies from $0 to $2,500 and is for entire policy period.
Renewal
Yes, these plan are renewable.
Longer duration coverage will not reduce the premiums.
Geographical coverage area
Covers the insured all over the world excluding home country.
If US and Canada is part of trip, then insured have worldwide
coverage.
Network
Insured is advised to visit a network provider to get the
Visitors Medical Insurance 
