Because everyone loves to travel, a USA visitors insurance should you buy? Generally, visitors and immigrants are not eligible for local health insurance plans. Hence, they need to purchase the visitors insurance. Besides that, insurance is needed to maintain the legal status of your visa. The visitor insurance policies have benefit limit. The benefit limits are different for different plans. Initially you have to pay a small amount for each injury or sickness and then the plan pays the rest of the expenses. Scheduled benefit plans have the lowest premiums but the benefits offered are also limited as compared to the other comprehensive plans. Comprehensive coverage plans offer benefits based on the type of visitor insurance plan purchased. This proves to be more advantageous than buying the scheduled benefit plans.