Understanding Policy Maximum and Deductibles in Visitor Insurance

Two numbers determine the financial structure of every visitor insurance policy: the policy maximum and the deductible.

Policy Maximum Explained

The policy maximum is the absolute upper limit your insurer will pay across the entire policy period.

Deductible Explained

The deductible is what you pay before the insurance company pays anything. Common options: $0, $100, $250, $500, $1,000, $2,500, $5,000.

Recommended Settings by Profile

• Young, healthy, short trip: $100K max / $250 deductible
• Family with children, 2 months: $250K max / $250 deductible
• Parents over 60 visiting: $500K max / $250 deductible
• Parents over 70 with health concerns: $1M max / $0 deductible

Bottom Line

Premium is what you pay. Maximum and deductible determine what you risk. Ombrela displays all three side-by-side.