This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: March 1, 2025. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
Policy Maximum
The maximum dollar amount your visitor insurance plan will pay for covered expenses.
Full Definition
The policy maximum (or benefit maximum) is the total dollar limit your plan will pay for covered medical expenses during the policy period. Common policy maximum options for visitor insurance range from $50,000 to $1,000,000. Given the high cost of US healthcare — a single hospital stay can cost tens of thousands of dollars — experts generally recommend a minimum of $100,000 in coverage, especially for older visitors.
Real-World Example
A visitor purchases a $50,000 policy maximum plan. They are in a serious car accident requiring $80,000 in treatment. The plan pays $50,000 (less deductible/coinsurance); the visitor owes the remaining $30,000+.
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