Travel Insurance FAQ

What is the difference between a comprehensive travel medical plan and a scheduled benefit plan?

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The benefits between these two types of travel medical insurance plans can vary greatly.  A comprehensive plan usually pays 80% or more after the deductible of any reasonable and customary eligible charges.  On the other hand, a scheduled benefit plan reimburses you up to a maximum amount per service provided, otherwise known as the scheduled benefit.  While a scheduled benefit plan is usually significantly less expensive, the benefits can be much lower than the charges incurred leaving you with a greater out of pocket cost. A Scheduled Benefit Plan still has a maximum policy amount.