Visitor Insurance

Visitor Insurance Plan Comparison Calculator

Enter Plan A and Plan B's terms and run the same medical bill through both — see a live side-by-side comparison, never a fake best-plan badge.

60-second check
No signup
No personal data
Instant result

Educational estimate only — not a plan ranking or purchase recommendation. Full disclaimer below.

Quick answer: The plan with the lowest premium is not always the plan with the lowest total cost on a real claim. Enter each plan’s premium, deductible, coinsurance, and policy maximum below, run the same medical scenario through all of them, and compare the modeled liability side by side.

1Pick or enter a bill below
2Edit Plan A & Plan B with your own quotes

Showing illustrative example numbers so you can see the comparison working — edit every field to compare your own quotes.

Step 1 · Shared scenario

Run both plans through the same medical bill

Quick scenarios

Or pick the service type directly

Billed charge

Step 2 · Plan terms

Plan A

Plan A — Plan terms

Enter the numbers from your quote

Plan label

Plan type

Comprehensive uses deductible/coinsurance. Fixed-benefit pays a flat scheduled amount per service.Premium

Network type

Deductible amount

Coinsurance — your share (in-network)

E.g. 20 for an 80/20 split.Policy maximum

My certificate states a true out-of-pocket maximum

More policy details (frequency, order, sublimits, ER rules…)

Premium applies to

Deductible details

Deductible applies

Deductible scope (household)

Only change this if your certificate explicitly says so.

Cost-sharing order & copay

How the certificate applies copay/deductible/coinsurance

Different policy documents apply these in different orders — never assume.Coinsurance — your share (out-of-network)

Policy & incident limits

Policy maximum scope

Per-incident maximum, if stated

Coinsurance limits & ER / evacuation rules

Coinsurance threshold (100% above this amount), if stated

Coinsurance cap (max you can owe in coinsurance), if stated

ER-specific copay, if different from the general copay

ER-specific deductible, if stated

ER charge is waived if admitted to the hospitalMedical evacuation maximum, if stated

Repatriation maximum, if stated

Plan B

Plan B — Plan terms

Enter the numbers from your quote

Plan label

Plan type

Comprehensive uses deductible/coinsurance. Fixed-benefit pays a flat scheduled amount per service.Premium

Network type

Deductible amount

Coinsurance — your share (in-network)

E.g. 20 for an 80/20 split.Policy maximum

My certificate states a true out-of-pocket maximum

More policy details (frequency, order, sublimits, ER rules…)

Premium applies to

Deductible details

Deductible applies

Deductible scope (household)

Only change this if your certificate explicitly says so.

Cost-sharing order & copay

How the certificate applies copay/deductible/coinsurance

Different policy documents apply these in different orders — never assume.Coinsurance — your share (out-of-network)

Policy & incident limits

Policy maximum scope

Per-incident maximum, if stated

Coinsurance limits & ER / evacuation rules

Coinsurance threshold (100% above this amount), if stated

Coinsurance cap (max you can owe in coinsurance), if stated

ER-specific copay, if different from the general copay

ER-specific deductible, if stated

ER charge is waived if admitted to the hospitalMedical evacuation maximum, if stated

Repatriation maximum, if stated

Live comparison

Same bill, two plans

Plan A

Premium

$1,200

Insurer pays

$3,400

You pay

$1,100

3 term(s) missing

Plan B

Premium

$800

Insurer pays

$2,450

You pay

$2,050

3 term(s) missing

Category winners

No 'best plan' badge — by design

Lowest premium: Plan B
Lowest liability for this bill: Plan A
Highest remaining policy benefit: Plan A
Most complete entered terms: Tied

No plan is labeled “best overall.” That needs a published methodology and verified plan data — see the methodology page.

Read before deciding

Important tradeoffs

A lower premium is only a savings if it doesn’t leave you owing more on a real claim.
A higher policy maximum doesn’t help if there’s no true out-of-pocket maximum — exposure may still be uncapped.
Missing terms mean lower confidence for that plan’s numbers until you confirm them.

Your entries are stored only in this browser (nothing is sent to a server).

How to read this & common mistakes

Each plan runs through the same engine as the master cost calculator. More “missing terms” doesn’t mean a worse plan — it means fewer certificate details are entered for it yet.

Comparing premiums without running a real medical scenario through each plan
Treating a brochure’s “up to $X maximum” as a true out-of-pocket cap
Not checking whether each plan is comprehensive, fixed-benefit, or hybrid before comparing deductibles
Ignoring pre-existing-condition and acute-onset wording differences between plans

Sources: NAIC and each plan’s own certificate. Last reviewed July 2026.

Frequently asked questions

Does this tool tell me which visitor insurance plan is best?

No. Ranking plans as "best" requires a published, transparent scoring methodology and current, verified plan data. Instead, this tool shows category winners (lowest premium, lowest modeled liability for your scenario, most complete entered terms) and an important-tradeoffs list, so you can weigh them yourself.

Why do I need to enter each plan's terms manually?

This is not a live insurer pricing feed. You enter the premium and certificate terms from each quote or policy document you're comparing, and the tool runs the identical medical scenario through each plan using the same calculation engine.

Can I compare a fixed-benefit plan against a comprehensive plan?

Yes. Set each plan's type independently — the engine applies scheduled-benefit math to a fixed-benefit plan and deductible/coinsurance math to a comprehensive plan, never mixing the two formulas.

Related visitor insurance tools & guides

Calculate your household liability

Full detail for one plan across multiple travelers.

Fixed-benefit vs comprehensive

Understand the plan-type difference before comparing.

Calculator methodology

Exactly how every number here is calculated.

Visitor insurance glossary

Every certificate term, defined with a numeric example.

Written / reviewed by Deepak Middha · CA, Series 65

Last updated: July 2026

Disclaimer, assumptions & sources

This tool is for general education and planning only. It does not replace advice from a CPA, attorney, financial advisor, USCIS, IRS, State Department, or other official source. Rules, limits, forms, fees, dates, and government processing information may change. Always verify before filing, investing, or making immigration, tax, or financial decisions.

Not a plan ranking — no scoring methodology or live plan database backs a "best plan" claim here.
Not an insurance quote — enter each plan's terms from your own quotes or certificates.
Never invents plan benefits, exclusions, or reimbursement amounts you did not enter.
The insurer or claims administrator makes the final benefit determination for any real claim.
Consult a licensed agent or the insurer directly before purchasing.

See our full site disclaimer for complete terms.