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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.
  1. Global Underwriters
  2. International Medical Group
The following are the Coronavirus travel insurance coverage offered by these two companies as medical insurance for us citizens living abroad visiting US

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

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.
Coverage for US citizens visiting USA
Patriot America Plus and Patriot Platinum America can be used by US citizens as long as they maintain a residence outside the US and are visiting the country for a short visit. The Patriot America Plus insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age. The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. There is a sports rider that can be added for additional cost to cover skiing, snorkeling, surfing, and other common recreational sports. Persons under 70 years of age can get up to $1 million maximum coverage. As of Sept 1, 2020, the plan also covers COVID-19 illness up to the maximum of the policy. Please note the Patriot America plan does NOT cover COVID!
International Medical Group
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).

Compare travel medical insurance for US citizens visiting USA

Age
Spouse
Start Date
End Date
Patriot America Platinum
Plan Maximum
Deductible
Pre-existing Condition
Covered
INF Standard
Plan Maximum
Deductible
Pre-existing Condition
Not covered
Patriot America Plus
Plan Maximum
Deductible
Pre-existing and COVID19
INF Traveler USA
Plan Maximum
Deductible
Pre-existing Condition
Not covered
brochure  Brochure & Details links
» Patriot Platinum Insurance Brochure
» Patriot Platinum Insurance Details
More benefits
» INF Standard Insurance Brochure
» INF Standard Insurance Details
More benefits
» Patriot America Plus Insurance Brochure
» Patriot America Plus Insurance Details
More benefits
» INF Traveler USA Insurance Brochure
» INF Traveler USA Insurance Details
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Popular travel insurance for US citizens visiting USA

Patriot America Plus plan for US citizen living outside coming to the US
questionHi,

I am a US citizen living in Australia and returning to the US to help support my ageing parents. I plan to remain in the US for a few years and want to find short term insurance to cover me until I can enroll in an ACA plan. Can I apply for Patriot Plus? I have national health and private health insurance in Australia and have purchased travel insurance but it has a COVID exclusion.

Thanks

questionDear Margaret,

Thank you for contacting us at American Visitor Insurance!
Yes, you can purchase Patriot America Plus plan. Here are the details:
Patriot America Plus can be purchased by visitors visiting America and the plan provides worldwide coverage including or excluding America. Until the age of 80, the plan provides a policy maximum options for $50,000 $100,000 $500,000 or $1 million and it offers coverage for "acute onset" of pre-existing conditions up to the maximum of the plan for persons under 70 years of age. This plan has a new benefit where you can pay a $15 copay at an urgent care center INSTEAD of the deductible (this is waived if you chose a $0 deductible). This plan covers COVID-19 like any other
Patriot America Plus
Patriot America Plus Plan Details Brochure Buy Now

Another great option is from Trawick International. Their Safe Travels USA Comprehensive plan can be purchased for either $50,000, $100,000, $250,000, $500,000 or $1 million for persons up to 64 years (up to $100,000 if 65+) and it has a coverage for "acute onset" of pre-existing conditions of up to $1,000. The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years. The policy is available from any state in the US or can be purchased from abroad. This plan also covers COVID-19 like any other illness.
Safe Travels USA
Safe Travels USA Plan Details Brochure Buy Now

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