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There are millions of travelers traveling to the US from all parts of the world. Among them we often come across US citizens residing abroad coming back to the US for short visits. Travel insurance or travel health insurance is a critical requirement while you are traveling to the US. This is especially true given the Covid19 pandemic, as travelling during the pandemic is risky and there are higher chances for unforeseen events during travel.
It gets a little tricky for US citizens residing abroad coming to the US to get a suitable travel health insurance for their short term stay as they are few options available for them. This is true because many companies will not provide insurance for US citizens 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.
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!
Very recently, IMG has updated their plan eligibility requirements such that US citizens who reside abroad can purchase either the Patriot America Lite 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).
Coverage Type of Plan help
Primary
Baggage Delay help
$300
Medical Evacuation help
$500,000
Trip delay coverage help
Up to $150 per day per person ($1,000 max per person)
Coverage Type of Plan help
Primary
Baggage Delay help
$500
Medical Evacuation help
$1,000,000
Trip delay coverage help
Up to $250 per day per person ($2,500 max per person)
Coverage Type of Plan help
Primary
Baggage Delay help
$600 (8 hours or more)
Medical Evacuation help
$1,000,000
Trip delay coveragehelp
$3,000 ($250 per day for delays of 6 hours or more)
Coverage Type of Plan help
Secondary
Baggage and Personal Effects help
$500
Medical Evacuation help
$250,000
Trip delay coverage help
$200 per day per person(Up to a maximum of $600)
Coverage Type of Plan help
Secondary
Baggage Delay help
$100 per day up to $500
Medical Evacuation help
$500,000
Pre-existing Condition Waiver
Covered
Trip delay coverage help
$250 per day up to $1,000
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 PlusThe 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 USATravel medical insurance USA resources
International travel insurance resources for USA visa holders.
Factors for travel insurance USA online
Factors for the best travel insurance to USA.
Types of USA tourist insurance online
Different types of tourist insurance for USA.
USA Vacation insurance claims procedure
Trip insurance claims process for getting medical care.
You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.
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