There are hundreds and thousands of travelers traveling to the US from all parts of the world through out the year. Among them we often come across US citizens residing abroad coming to the US for short term for various reasons. Considering that travel insurance or health insurance as a critical requirement while you are traveling to the US, it gets a little tricky to the US citizens residing abroad coming to the US to get a suitable travel health insurance for their short term stay in the US. This is true because many companies will not provide insurance for US citizens while in the US regardless of where they live most of their time. Please note that this includes people with dual citizenships. For US citizenship, it is better to be on the safe side and purchase a policy suitable for this situation and enter the US passport information on the application so that there are no issues. There are however options available for US citizens residing abroad and coming to the US for short term with the intent to return to their home countries outside USA.
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Covid 19 travel insurance for US citizens visiting the United States
There are two US insurance providers who offer short term Covid travel insurance for US citizens living outside the United States, but who are visiting the US.
The following are the Coronavirus travel insurance coverage offered by these two companies as medical insurance for us citizens living abroad visiting US
INF US travel insurance for covid19 for US citizens
INF insurance coverage for Coronavirus is straightforward. The coronavirus will be covered as per any new sickness in the policy since it is not explicitly excluded. Note that their plans only offer coverage in the US and Canada. INF Insurance: offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insurance and INF Traveler USA insurance with Covid19 coverage.Global Underwriters US travel insurance for Covid19 for US citizens
Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for US citizens residing outside USA and travelling to the US. Diplomat Long term Insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.International Medical Group (IMG) Coronavirus insurance:
International Medical Group (IMG) Covid travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum.Medical insurance for US citizens living abroad visiting US
Very recently, IMG has updated their plan eligibility requirements such that US citizens who reside abroad can purchase either the Patriot America or the Patriot America Plus plans for their travel into the US (assuming they intend to return to their foreign address). Please note that US citizens relocating to the US, should apply for domestic coverage right away upon arrival or the “window” for their application may close until the start of the new year. The Patriot Plans offer excellent economical choices either with coverage for pre-existing conditions for persons under 70 (Patriot America Plus plan) or without this coverage (Patriot America).
