Travel insurance USA, Travel insurance for US citizens visiting USA

Travel medical insurance for US citizens visiting USA cost

Age
Spouse
Start Date
End Date
Patriot Platinum

Plan Maximum

Deductible

Pre-existing

Covered

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Diplomat America

Plan Maximum

Deductible

Minimum Enrollment is 15 Days
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Patriot America Plus

Plan Maximum

Deductible

Pre-existing

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Visitors Protect
Plan Maximum
Deductible
Minimum Enrollment is 90 Days
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Insurance Providers
Pre-existing condition
Covers acute onset of pre-existing conditions for visitors up to chosen maximum limit (aged up to 70 years). Covers pre-existing conditions after 24 months of waiting period.
Not Covered
Covers acute onset of pre-existing conditions for visitors up to chosen maximum limit (aged up to 70 years).
Covers pre-existing conditions up to 99 years.This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
Urgent care clinic
Up to $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Covered Up to $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible In-Network:$25 copay, 100% up to Policy Maximum
Out-of-Network:$50 copay, 100% up to Policy Maximum
Emergency medical evacuation
Up to the maximum limit The average semi private room rate Up to the maximum limit Up to $25,000 maximum limit
Unique Adavantages
  • US citizen needing insurance for return to US before they get onto Medicare.
  • Offers first class medical coverage with $8M.
  • Adventure sports coverage is available as optional rider up to the age of 65 years.
  • Available for groups of five or more people traveling to the USA with 5% discount.
  • $20K coverage is available for 80+ travelers
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • Minimum enrolment for this plan is 15 days.
  • Pre-existing conditions are covered after 24 months waiting period.
  • US citizen needing insurance for return to US before they get onto Medicare.
  • Eligible for green card holders.
  • Optional coverage for adventure sports with purchase of the rider.
  • Available for B1 Visa holders for their business trips to the US.
  • Optional coverage for Enhanced AD&D rider.
  • US citizen needing insurance for return to US before they get onto Medicare.
  • Adventure sports coverage is available as optional rider up to the age of 65 years.
  • $10K coverage is available for 80+ travelers.
  • Available for groups of five or more people traveling to the USA with 5% discount.
  • $50K coverage is available for 80+ travelers
  • Limited pre-existing condition coverage.
  • Minimum enrolment for this plan is 90 days.
  • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone.
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What does visitor travel insurance cover?

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Medical insurance for US citizens living abroad visiting US

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.

Coverage for US citizens visiting USA

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!

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 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).

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Travel insurance for US citizens visiting USA
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What are the best insurance plans for Cruise travelers?

iTravelinsured Choice

  • Ideal for those looking for a cheap and budget-friendly cruise insurance.
  • The minimum trip cost is $500, and the maximum trip cost is $10,000.
  • Maximum trip length is 90 days and coverage up to 99 years.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Missing the boat is covered up to $500 per person.
  • Pre-existing condition waiver is available if purchased within 21 days of the initial trip payment.
  • Offers coverage for emergency accident and sickness medical expenses up to $100,000, with the option to enhance coverage up to $250,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan help
    Primary

  • luggage

    Baggage Delay help
    $300

  • medical_services

    Medical Evacuation help
    $500,000

  • work_history

    Trip delay coverage help
    Up to $150 per day per person ($1,000 max per person)

  • shopping_cartBuy Now

iTravelinsured LX

  • For elite luxury travelers taking expensive vacations and adventure trips to exotic locations worldwide.
  • The minimum trip cost is $500, and the maximum trip cost is $150,000.
  • Coverage up to 99 years and Maximum trip length is 180 days.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Missing the boat is covered up to $500 per person.
  • Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Pre-Existing Condition Exclusion Waiver is covered if purchased within 24 hours of the final trip payment.
  • Offers coverage for emergency accident and sickness medical expenses up to $500,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan help
    Primary

  • luggage

    Baggage Delay help
    $500

  • medical_services

    Medical Evacuation help
    $1,000,000

  • work_history

    Trip delay coverage help
    Up to $250 per day per person ($2,500 max per person)

  • shopping_cartBuy Now

Safe Travels Voyager

  • Ideal for first class travellers taking expensive vacations.
  • Covers trips up to 180 days for travelers up to age 99.
  • Maximum trip cost is available up to $100,000.
  • Missing the boat is covered up to $1,000.
  • Cancelling your cruise covered up to $100,000.
  • Optional pre-existing condition coverage included within 21 days of deposit.
  • Cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Offers coverage for emergency accident and sickness medical expenses up to $250,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan help
    Primary

  • luggage

    Baggage Delay help
    $600 (8 hours or more)

  • medical_services

    Medical Evacuation help
    $1,000,000

  • work_history

    Trip delay coveragehelp
    $3,000 ($250 per day for delays of 6 hours or more)

  • shopping_cartBuy Now

Trip Protection Basic

  • Ideal for budget-conscious travelers.
  • Maximum trip length is 180 days and coverage up to 99 years.
  • Maximum trip cost is available up to $30,000.
  • Missing the boat is covered up to $250 per day up to $500.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Offers coverage for emergency accident and sickness medical expenses up to $100,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan help
    Secondary

  • luggage

    Baggage and Personal Effects help
    $500

  • medical_services

    Medical Evacuation help
    $250,000

  • work_history

    Trip delay coverage help
    $200 per day per person(Up to a maximum of $600)

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Seven Corners Cruise Insurance

  • Cheapest cruise insurance for US residents taking domestic or international trips.
  • Trip Inconvenience (Cruise Diversion & Disablement) covers $250 per event, up to $500.
  • Minimum trip cost is $100 and maximum trip cost is available up to $30,000.
  • Covers trips up to 30 days and travelers up to 99 years old.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Missing the boat is covered up to $250 per day up to $1,500.
  • Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Offers coverage for emergency accident and sickness medical expenses up to $250,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan help
    Secondary

  • luggage

    Baggage Delay help
    $100 per day up to $500

  • medical_services

    Medical Evacuation help
    $500,000

  • heart_plus

    Pre-existing Condition Waiver
    Covered

  • work_history

    Trip delay coverage help
    $250 per day up to $1,000

  • shopping_cartBuy Now

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 info Plan Details picture_as_pdf Brochure shopping_cart 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 info Plan Details picture_as_pdf Brochure shopping_cart Buy Now

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

Medical insurance for US expats visiting USA

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Health insurance for US citizens living abroad visiting USA

Which are the best visitors insurance companies in USA?

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.

Which are the best visitors insurance companies in USA?

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