Does the deductible apply per visit or per policy?

It depends on the plan. Many visitor insurance plans apply the deductible annually or per policy period and not necessarily per visit. Once the deductible is met, it typically does not need to be paid again for subsequent eligible claims during the policy term, unless the deductible specifically says per injury, sickness, or per incident.

Do I still pay co-insurance after meeting the deductible?

Yes, unless the plan states otherwise. Once the deductible is met, many plans still require co-insurance (for example, the insurer pays 80% and you pay 20%) until certain limits are reached. Some comprehensive plans offer 100% coverage after the deductible within a PPO network.

Will I need to pay the deductible upfront at the clinic or hospital?

Often, yes. If the provider does not offer direct billing with the insurance company, you may pay the bill yourself (which includes the deductible portion) and then submit a claim for reimbursement. When direct billing is used, the deductible may be reflected as part of the patient’s responsibility on the bill.

Does choosing a higher deductible reduce the premium?

Yes. As a general rule, higher deductibles mean lower premiums. A $250 deductible plan usually costs less than a $0 deductible version of the same plan, making it an appealing choice for travelers who prioritize lower upfront costs.

Can I change my deductible after purchasing visitor insurance?

In most cases, no. The deductible is chosen at the time of purchase and cannot be changed once the policy is issued. If you want a different deductible, you usually need to cancel (if allowed) and buy a new policy, subject to the insurer’s rules.