What is best travel insurance for US citizens living abroad visiting USA?
Are you a US citizen living abroad? It is a challenge to find travel insurance for US citizens visiting USA as travel insurance plans or health medical insurance plans offer coverage for travelers traveling outside their home country. Here US citizens will be assumed to be living in the United States. The brochure usually has eligibility requirements like "US citizens traveling outside US" or "Non US citizens coming to the US or any other country"...
But excludes US citizens living abroad and visiting the US. There are many US citizens living abroad to work, study or settle in another country.These people often visit US for holidays or to visit families and friends for a short duration. Insurance providers assume these US citizens home country to be US and don’t offer coverage.
However there are a few companies that American Visitors Insurance work with to provide travel insurance for US citizens abroad visiting USA. These plans are available to them as long as they are temporarily visiting US and are returning to their home country outside the US.
International Travel Insurance plans are normally for people traveling outside their home country. There are US citizens who are residing outside the USA and visit US for short durations visiting family, for holidays, business, during Christmas and Thanksgiving holidays or other similar occasions. US citizens who are in this category are not eligible for domestic healthcare in US as they are permanently residing abroad.
Some companies consider the US to be the home country for US citizens regardless of where they live and this makes them ineligible for the international travel insurance plans offered by these companies while visiting the US.
However, they do make exceptions for this specific situation with special conditions included. The common conditions include are that the traveler must be residing outside the US continuously for 6 or more months. American Visitor Insurance provides international travel insurance us citizen living abroad making short term visits to US occasionally.
Patriot America Plus, Patriot Platinum America and Visitors Protect Insurance 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.
There are two insurance providers who offer short term travel medical insurance for US citizens living outside the United States, but who are visiting the US. The travel insurance providers are:
Diplomat America insurance from Global Underwriters offers coverage for US citizens visiting USA. IMG's Patriot America Plus, Patriot Platinum America and Visitors Protect Insurance plans offer coverage for US citizens visiting USA
Where can U.S. citizens find a travel insurance plan if they are living abroad and visiting the USA?
American Visitor Insurance is the right place to compare and buy the best travel insurance plans available for US citizens living abroad and visiting the US. US expats visiting the US need coverage when inside the US for that short duration and American Visitor Insurance allows expats to review the different options and buy what best suits their requirements. Patriot America Plus, Patriot America Lite, Diplomat America, Visitors Protect, Patriot America Platinum are some of the popular plans available for US citizens living abroad visiting the US for a short term.
What are the US expatriate insurance options for US citizens visiting USA?
Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S. based health insurance plans do not cover medical expenses incurred outside the United States.
Click here to read more »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
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 |
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.
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Travel insurance for U.S. citizens visiting USA - FAQ's
1. What travel insurance covers the USA?
US Travel insurance plans for coverage can be purchased online at American Visitor Insuranceto get a medical and travel insurance cover in the United States. International travel insurance provides coverage forunexpected medical emergencies during the travel period. Travel insurance is particularly important during the Covid19 pandemicfor safe travel to the US.
American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. Formore details travelers can call the customer service or email and the team will be glad to help.
2. Do US citizens need travel insurance/health insurance to visit the USA if they live abroad?
While it is not a legal requirement for the US citizens living abroad to buy health insurance while they visit the US, it is very important given the very high cost of US healthcare.
While there are more travel insurance options for Non US citizens visiting the US, there are only a few travel health insurance plans available for US citizens who live overseas and are visiting the US to cover them for any unexpected medical coverage in case of sickness or injury. While most plans do not cover US citizens in the US, there are a few plans that provide coverage for US citizens visiting the US if they can show proof of a foreign residential address and they are going back to that country after a short visit to the US.
The following plans cover US citizens living overseas and visiting the US for a short visit:
- Patriot America Plus Insurance from IMG
- Diplomat America Insurance from Global Underwriters
- Patriot America Lite Insurance
- Patriot Platinum Insurance
- Visitors Protect Insurance
Even though it is not a legal requirement to have travel insurance,it is highly recommended to purchase one, so that they can enjoy their short trip in the US without worrying about the expensive medical treatment in case of unexpected situations. Most of the US domestic health insurance plans will not cover the US citizens visiting US for a short time as they are not residing in the US for at least some time like 3 months, 6 months.
Apart from these plans there are trip cancellation insurance plans available which provide in network benefits to the customer within the PPO network. These networks include "United Healthcare'' , "First Health Network'', "Coventry Healthcare''...The trip insurance plans cover trip cancellation benefits which can be very useful during flight bookings and cruise bookings. This benefit can save a lot of money in case of unexpected incidents where you may need to cut short the trip or cancel the trip.
There are great trip insurance plans in the market. Choosing the right plan carefully keeping your requirements in mind is an important task.
3. How much does expat health insurance cost in the USA?
The cost of expat insurance depends on the age , duration that they want the insurance for, policy maximum options selected, deductible selected. It also depends on the plan that is chosen and the number of people on the plan.
The cost of an expat health insurance can vary from $300 -$420 per month. If you are a US citizen looking to get covered in the US during your short visit to the US, then you need to purchase proper travel insurance coverage. Normally US expats traveling to other countries get coverage, however there are few plans that cover travel insurance for US expats visiting USA.
4. Which is the most suitable insurance for US citizens visiting the US from abroad?
There are only a few plans which provide coverage for US citizens within the US. Here are the plans listed:
- Patriot America Plus Insurance from IMG
- Diplomat America Insurance from Global Underwriters
- Patriot America Lite Insurance
- Patriot Platinum Insurance
- Visitors Protect Insurance
These plans provide coverage for :
- Emergency medical treatment
- Trip Interruption
- Emergency medical evacuation
- Lost baggage and delay
- Covid-19
- Coverage for unexpected sickness and injury
- Emergency medical evacuation and repatriation
- Acute onset of pre existing conditions
- Urgent Care visit
- Emergency dental coverage
- Emergency eye coverage
Trip cancellation Insurance are also suitable for US citizens visiting the US from abroad . These plans will also insure the trip expenses, such as airline and hotel bookings and any unexpected trip cancellation expenses along with providing coverage to the health of the traveler. It is important to choose the right plan by comparing trip cancellation plans on American Visitor Insurance and looking at the benefits that you need.
5. Are there options for US citizens who have been living abroad and are moving back to the USA?
US citizens who have been living abroad and are moving back to the USA may consider purchasing Short term medical insurance, which does not require a period of prior residence in the US before purchasing.
6. Do expats visiting the US need travel insurance?
Yes, expats visiting the US should consider purchasing expat travel insurance USA to cover any unexpected medical emergencies during their stay. Health insurance for expats visiting US can provide coverage for emergency medical services, hospitalization, and other medical needs that may arise.
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.
- 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.
- 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.
- 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.
- 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) - shopping_cartBuy Now
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.
- 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
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