Travel medical insurance for U.S. 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.
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.
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).
Why do US citizens need travel insurance when traveling within the USA?
When you are traveling inside the US some unexpected problems can interrupt your plans and lead to costly expenses. Travel insurance for US citizens visiting USA will protect you from financial losses that caused by the problems like trip cancellations, trip delays, lost luggage and medical emergencies. That your regular health insurance might not fully cover these coverages especially if you are away from your usual healthcare providers.
For example, if you get sick and injured while visiting to another state where your health plan will not give you the coverage then you need to pay all your medical bills and also travel delays or cancellations due to weather or other unforeseen reasons can leave you with non-refundable expenses. So at this times best travel insurance for US citizens visiting USA offers peace of mind by reimbursing these costs and covering emergency medical care, so you can focus on enjoying your trip without worrying about the unexpected financial burdens.
Who needs travel insurance when traveling inside USA?
When traveling in the USA having International travel insurance for US citizens visiting USA is important for everyone because unexpected problems can happen anytime. Whether you are a businessman on a tight schedule, a group traveling together, a senior citizen concerned about health risks, a student away from home or a couple enjoying a vacation then travel insurance provides valuable protection. Business travelers benefit from coverage that helps with trip cancellations, trip delays and medical emergencies and makes their work trips go smoothly without costly interruptions. Groups can often get better rates and protect everyone from unforeseen events like lost luggage or sudden illness.
Seniors need extra peace of mind since medical emergencies can be more serious and expensive as we age. Students especially those studying away from home will gain protection for accidents, medical care and even lost belongings. Couples traveling together can feel secure knowing that if something unexpected happens then their trip and health are protected. Overall, travel health insurance for US citizens visiting USA helps cover medical costs, trip delays, cancellations and other risks that your regular health insurance or plans may not fully cover. These travel insurance gives all kinds of travelers confidence and peace of mind during their journeys.
Where travel insurance would be beneficial for US citizens traveling within the US?
Even when you’re traveling inside the United States sometimes things don’t go according the plan. If you get sick or hurt before your trip and have to cancel the plan best travel insurance for visitors to USA can help you get your money back for flights, hotels and tours you already paid for. If you need medical care while away from home, especially in places where your regular health insurance might not work well then best medical insurance for visitors to USA can cover those unexpected bills. Bad weather can delay your travel and force you to spend extra nights in a hotel then travel insurance can cover those extra costs. If your luggage gets lost or delayed, it can help pay for the things you need until your bags arrive.
Renting a car Insurance can help cover repair costs if the car gets damaged. Sometimes emergencies at home mean you have to cut your trip short then travel insurance can cover last minute travel changes and refund unused trip parts. If you’re visiting remote areas where hospitals are far away then travel insurance can pay for emergency transportation. And if you plan to do activities like hiking and skiing then make sure your insurance covers those too. Whether you’re traveling alone or with family or on a group tour this travel medical insurance for U.S. citizens living abroad visiting US gives you peace of mind by protecting you from many common problems that can happen on any trip inside the US.
How much does travel insurance for USA cost per month in 2025?
How much does the cheapest visitors insurance for USA cost?
The cheapest visitor health insurance USA starts from $20 per month with options up to $191 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
The average cost of fixed benefit visitors travel insurance for USA is based on quotes for one month.
| Plan Name | Plan max range | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors care | $25,000 - $100,000 | $100 | $21 - $45 | $40 - $75 | $66 - $148 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $32 - $56 | $49 - $86 | $84 |
| VisitorSecure | $50,000 - $130,000 | $100 | $34 - $62 | $55 - $76 | $96 - $139 |
| Travel Medical USA visitor basic | $50,000 - $150,000 | $100 | $42 - $52 | $79 - $94 | $173 - $191 |
How much does the comprehensive and best visitors insurance cost per month?
The best travel insurance cost for USA ranges from $58 to $353 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
The average cost of comprehensive travel insurance for USA is based on quotes for one month with $250 deductible.
| Plan name | Plan maximum | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver | $50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Visitors Preferred | $50,000 - $1,000,000 | $77 - $144 | $148 - $301 | $253 |
| Patriot America Lite | $50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Atlas America | $50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $355 - $444 |
| Patriot America Plus | $50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Travel Medical Basic | $50,000 - $1,000,000 | $80 - $138 | $167 - $314 | $252 - $337 |
| Safe Travels USA | $50,000 - $1,000,000 | $80 - $157 | $147 - $295 | $252 - $332 |
| Diplomat America | $50,000 - $1,000,000 | $125 -$214 | $229 - $301 | $353 |
What are the best travel insurance for us citizens living abroad?
Patriot America PlusIMG
- Patriot America Plus is a comprehensive short-term travel insurance is ideal for US citizens visiting USA.
- Direct Billing: First healthcare
or United HealthCare 
- Urgent Care : $30 per incident; no copayment if deductible is $0
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Up to $1,000,000
- Patriot America Plus cost for 40 year old traveler ranges from $52 to $169 for a month.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0 to $2,500Period of coverage?
5 days to 12 months
Visitors Protect IMG
- Visitors Protect is a top comprehensive travel insurance plan with pre-existing conditions for travelers to the United States.
- Direct Billing: First healthcare or Unitedhealthcare
- Urgent Care: 15 per incident; no copayment if deductible is $0
- Pre-existing conditions: Up to 99 years
- Minimum purchase is 90 days
- Visitors Protect Insurance cost for 40 year old traveler ranges from $300 to $750 for 3 months.
Policy maximum?
$50,000, $100,000 and $250,000Deductible options?
$250 to $5,000Period of coverage?
Minimum purchase 90 days
Diplomat America Global Underwriters
- Diplomat America is a comprehensive travel medical insurance plan for US citizens traveling to the USA.
- Direct Billing No PPO, visit any doctor or hospital
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Emergency medical evacuation: Up to $250,000
- Diplomat America insurance cost for 40 year old traveler ranges from $73 to $270 for a month
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000 $2,500Period of coverage?
15 days to 12 months
Patriot America Platinum IMG
- Patriot America Platinum offers first class medical coverage up to $8,000,000 for US citizens visiting to the USA
- Direct Billing: First healthcare or United HealthCare
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Up to maximum limit
- Patriot America Plus cost for 40 year old traveler ranges from $66 to $373 for a month.
Policy maximum?
$1,000,000 , $2,000,0000, $5,000,0000, $8,000,000Deductible options?
$0 to $25,000Period of coverage?
5 days to 12 months
What medical benefits are included in travel insurance for USA visitors?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
Comparison of travel health insurance plans for US citizens visiting USA
American Visitor Insurance offers several visitor travel medical insurance plans designed to provide short-term coverage for travelers visiting the United States. This comparison helps US citizens and visitors understand which plan best fits their needs when traveling inside or to the United States.
| Feature / Plan | Patriot America Lite | Patriot America Plus | Patriot Platinum America | Diplomat America |
|---|---|---|---|---|
| Coverage Maximum | $50,000 to $1,000,000 | $50,000 to $1,000,000 | Up to $8,000,000 | $50,000 to $1,000,000 |
| Deductible Options | $0, $100, $250, $500, up to $2,500 | $0, $100, $250, $500, up to $2,500 | $0 to $25,000 | $0, $100, $250, $500, up to $2,500 |
| Pre-Existing Condition Coverage | No coverage | Covers acute onset of pre-existing conditions (under age 70) | Covers acute onset of pre-existing conditions | Covers acute onset of pre-existing conditions (under age 70) |
| COVID-19 Coverage | Yes | Yes | Yes | Yes |
| Network | United Healthcare PPO Network | United Healthcare PPO Network | United Healthcare PPO Network | United Healthcare PPO Network |
| Urgent Care Copay | No | $25 copay (waived if $0 deductible) | $25 copay (waived if $0 deductible) | $25 copay (waived if $0 deductible) |
| Walk-In Clinic Copay | No | $15 copay (waived if $0 deductible) | $15 copay (waived if $0 deductible) | $15 copay (waived if $0 deductible) |
| Medical Evacuation | Up to policy maximum | Up to policy maximum | Up to policy maximum | Up to policy maximum |
| Trip Duration | 5 days to 2 years | 5 days to 2 years | Up to 36 continuous months | 5 days to 2 years |
| Additional Benefits | Basic medical coverage | Includes coverage for acute onset of pre-existing conditions, sports rider option | Extensive coverage including emergency reunion, political evacuation, AD&D, trip protection riders | Includes coverage for acute onset of pre-existing conditions, sports rider option |
| Ideal for | Budget-conscious travelers without pre-existing conditions | Travelers under 70 needing pre-existing condition coverage | Travelers seeking maximum coverage and additional riders | Travelers under 70 needing pre-existing condition coverage |
What are the Trip Protection Coverage for US citizens?
When you plan a trip, you want peace of mind. Our best travel insurance for US citizens visiting USA plans cover medical emergencies and protect your travel plans if things go wrong. Here's how we help keep your trip safe and your money protected
- Trip Cancellation: Got sick or had an emergency and can't go? We can refund the money you already paid for your trip that you wouldn't normally get back.
- Flexible Option: Some plans let you 'Cancel For Any Reason'. If you choose this and buy your plan shortly after booking your trip, you can get back up to 75% of your costs, no matter why you cancel.
- Trip Interruption: Need to cut your trip short due to an emergency (like a family illness or bad weather)? We'll help cover the extra costs to get you home and refund the part of the trip you missed out on.
- Trip Delay: Flight delayed by weather or technical issues? We help pay for reasonable extra costs like meals, unexpected hotel stays, and transport while you're stuck.
- Baggage Problems: If your bags are lost, stolen, or seriously delayed, we provide funds so you can buy the essentials you need to continue your trip comfortably.
- Serious Medical Emergencies: If you need urgent medical transport, we cover getting you to the best nearby hospital or even back home if necessary. Our plans offer high coverage limits for this.
- Rental Car damage: Driving a rental? Some plans offer coverage if the car gets damaged in an accident during your trip.
American Visitor Insurance is here for US citizens traveling within the USA or visiting the country. We help protect your health and your travel budget from unexpected problems. Travel easier knowing we've got your back!
Comparing traditional US Health Insurance and American Visitor Insurance Plans
When planning a visit to the United States, it’s important to understand how your health coverage options differ from standard US health insurance. Here’s a straightforward comparison to help you see why American Visitor Insurance plans are often the best travel insurance for visitors to USA are the best choice for travelers and temporary visitors
| Feature | Standard US Health Insurance (e.g., Marketplace or Employer Plans) | American Visitor Insurance (e.g., Patriot America Plus) |
|---|---|---|
| Who Can Buy It? | Available only to US residents or citizens with proper documentation (Social Security Number, legal residency) | Designed for visitors, short-term travelers, and US citizens living abroad visiting the US temporarily |
| Length of Coverage | Typically ongoing coverage renewed annually | Flexible short-term coverage from a few days up to multiple years, ideal for temporary stays |
| Coverage for Pre-Existing Conditions | Usually covers all pre-existing conditions with no waiting period | Covers sudden flare-ups (“acute onset”) of pre-existing conditions for travelers under 70; chronic conditions often excluded |
| Network Restrictions | Requires using in-network providers for best coverage and lower costs | Access to large PPO networks like United Healthcare, with more freedom to see out-of-network providers (though at higher cost) |
| Cost and Premiums | Generally higher monthly premiums and out-of-pocket costs | More affordable premiums tailored for short-term needs, with deductible options to fit budgets |
| Scope of Benefits | Comprehensive coverage including preventive care, prescriptions, and chronic disease management | Focused on emergency medical care, hospital stays, urgent care, and travel-related medical needs |
| Billing Process | Direct billing common within network providers | Many plans offer direct billing with network providers to reduce out-of-pocket expenses |
| Renewal and Extensions | Automatically renewed unless canceled | Can be renewed online for extended stays, up to the plan’s maximum allowed duration |
| Trip Protection Features | Usually not included; separate travel insurance needed for trip cancellations or delays | Some plans offer optional trip interruption, cancellation, and baggage protection add-ons |
| Ideal For | Residents needing long-term, comprehensive health coverage | Visitors, temporary residents, and US citizens abroad needing short-term medical protection |
If you are visiting the US temporarily or live abroad and plan a visit home, traditional US health insurance may not be an option or may not provide the coverage you need. American Visitor Insurance offers plans specifically designed for these situations, providing affordable, flexible coverage that protects you against unexpected medical expenses during your stay. With access to a wide network of providers and coverage for emergency care - including sudden flare-ups of pre-existing conditions - these plans fill the gap left by standard health insurance.
What are the mistakes that you need to avoid while buying your next travel insurance?
- Waiting too long to buy it: Grab your travel insurance as soon as you make that first big payment you can't get back (like flights or a hotel booking). If you wait too long, you might not be covered if something unexpected happens before your insurance even starts.
- Not knowing what your policy actually covers: Don't just skim the details! Every insurance policy has fine print about what it covers, what it doesn't cover, and any rules you need to follow. Taking a few minutes to understand this upfront will save you a lot of hassle if you end up needing to make a claim.
- Ignoring health stuff you already have (Pre-Existing Conditions): Got a health condition you've been seeing a doctor for? You need to tell the insurance company about it and choose a plan that specifically covers pre-existing conditions. Quick tip: you usually need to buy your plan within a week or two of booking your trip to get this type of coverage included.
- Not insuring enough for your trip's cost: Add up everything you've paid for your trip that you wouldn't get back if you canceled – flights, hotels, tours, event tickets, the whole lot. Make sure your insurance covers that total amount. If you insure for less and have to cancel, you might only get back the smaller amount you insured for, not what you actually lost.
- Forgetting about your planned activities: Planning on hiking, skiing, hitting the water, or other adventures? Double-check that your insurance policy covers those specific activities. Some things considered more "risky" might need extra coverage or a special add-on.
- Not keeping your paperwork handy: If you do need to make a claim, having all your documents ready makes things way easier and faster. Keep copies of your receipts, booking confirmations, any doctor's notes or medical bills, police reports (if something was stolen), and emails about delays or cancellations.
Avoiding these simple mistakes helps you get the best travel insurance for US citizens visiting USA . That way, you can relax and actually enjoy your travels across the USA with less worry!
Travel Insurance for most visited states from US citizens
| State | Healthcare Cost Highlights | Travel Risks & Considerations | Why Travel Insurance Matters Here |
|---|---|---|---|
| New York | Among highest healthcare costs in US; average per capita cost ~$14,000 | Busy airports, urban travel delays, cold winters | High medical costs and frequent travel delays make coverage for medical emergencies and trip interruptions valuable |
| California | High healthcare spending; diverse climates | Wildfires, earthquakes, crowded airports | Coverage for emergency evacuation and trip delays is important due to natural disasters and travel disruptions |
| Florida | Moderate to high healthcare costs | Hurricanes, crowded tourist areas | Trip cancellation and delay coverage essential during hurricane season; medical coverage for tourist hotspots |
| Texas | Moderate healthcare costs | Large state with rural areas, heat waves | Emergency evacuation coverage useful for remote areas; medical coverage for heat-related illnesses |
| Alaska | Very high healthcare costs; limited facilities | Remote locations, extreme weather | Emergency medical evacuation critical; coverage for delays due to weather or transportation issues |
| Colorado | Moderate healthcare costs | Popular for skiing and outdoor sports | Adventure sports coverage important; medical and evacuation coverage for injuries in remote areas |
| Massachusetts | High healthcare costs | Urban travel, winter storms | Medical coverage and trip delay protection recommended for winter weather disruptions |
| Georgia | Lower healthcare costs | Busy airports, summer storms | Trip delay and baggage coverage helpful for frequent travelers through Atlanta’s busy hub |
| Nevada | Moderate healthcare costs | Tourist-heavy areas, desert heat | Coverage for medical emergencies and trip interruptions during peak tourist seasons |
| Washington | Moderate to high healthcare costs | Rainy weather, urban traffic delays | Trip delay and medical coverage helpful for weather-related disruptions |
Healthcare costs and travel risks vary widely by state. Some states have very high medical expenses so making travel medical insurance for U.S. citizens to avoid large out of pocket bills. Others face frequent weather related travel disruptions or have popular tourist destinations where delays and lost baggage are common. Having best travel insurance for visitors to USA tailored to your destination helps protect your health and finances no matter where you go in the US.
Why Choose American Visitor Insurance for Cancel For Any Reason (CFAR) Coverage?
When it comes to protecting your cruise or travel investment with Cancel For Any Reason (CFAR) insurance, American Visitor Insurance stands out as a trusted and flexible option. Here’s why
- Early purchase window for maximum protection: To qualify for CFAR benefits you must buy coverage within 7 days of your initial trip deposit. American Visitor Insurance clearly supports this early purchase requirement and helping you to secure your CFAR coverage when it matters most.
- Works with multiple reputed US travel insurance providers: American Visitor Insurance works with multiple US travel insurance providers, giving the customers a wide choice of plans to choose from.
- Useful comparison tool and relevant information to make an informed decision: American Visitor Insurance has a very helpful comparison tool based on coverage benefits and costs to helps travelers find the best plans for their needs. The FAQ section and reviews help travelers understand the products and coverages well.
- Generous Reimbursement Up to 75%: Their CFAR plans reimburse you up to 75% of your prepaid, non-refundable trip costs if you cancel for any reason not covered by standard insurance. This partial refund can save you thousands in unexpected cancellations.
- True Flexibility to Cancel for Any Reason: Unlike standard trip cancellation insurance that covers only specific reasons, American Visitor Insurance’s CFAR lets you cancel your trip for any reason at all whether it’s a change of plans, health concerns or travel fears it offering unmatched peace of mind.
- Comprehensive Travel Protection: CFAR coverage is part of a broader travel insurance plan that also includes emergency medical coverage, trip interruption, travel delay and baggage protection. This means you’re covered for a wide range of travel risks not just cancellations.
- Transparent Terms and reliable Support: They provide clear policy details and require cancellation at least 48 hours before departure to claim CFAR benefits. Plus, their licensed customer support team is available to guide you through purchasing and claims, ensuring a smooth experience.
- Competitive pricing and easy online access: American Visitor Insurance offers the best rates for CFAR coverage available with instant online quotes and fast policy purchase. This convenience makes it simple to protect your trip soon after booking.
In short, American Visitor Insurance combines flexibility, strong financial protection, and excellent customer service, making it a smart choice for travelers who want the freedom to cancel their trip for any reason and still recover most of their costs.
Popular travel insurance for US citizens visiting USA
Patriot America Plus plan for US citizen living outside coming to the US
Hi,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,
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 Insurance: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:www.americanvisitorinsurance.com
Customer care
(877) 340 7910
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