Travel insurance for US citizens residing abroad and visiting the USA

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Do you want to insure trip cost as well as the health of the traveler?


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Traveler's residence
Travelers (Age)
Trip cost($)/person

Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Start date
End date

Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

What does visitor travel insurance cover?

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.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

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US travelers insurance, Travel health insurance USA

An overview

Travel insurance for travelers to the USA

US citizens visiting USA Travel Insurance

Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID. So many borders are closing and travel plans have had to be altered often. Even years after the pandemic was first noticed in China, there is still uncertainty due to the virus as China is opening its borders to the outside world. The uncertainty due to the new Covid sub-variants, validates the importance of buying travel insurance.

Travelers can travel stress free with the covid-19 coverage be provided regardless of the variant. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Travelers including a travel insurance cover with Covid-19 cover need not worry about getting coverage for variants.

Irrespective of the variant covid-19 coverage will provide. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Covid travel insurance for US citizens visiting the United States

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 :

  1. International Medical Group (IMG)
The following are the terms of Coronavirus travel insurance coverage offered by these company Diplomat America Global Underwriters travel insurance offers coverage for coronavirus as any new sickness. If it is pre-existing, then it's excluded.

That is of the travelers is infected before the plan effective date, the travel insurance will treat it as pre-existing and will not offer coverage for it. International Medical Group (IMG) Covid19 travel insuranceInternational Medical Group (IMG) Coronavirus insurance is offering covid19 international travel insurance starting 1st Sept, 2020. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum regardless of purchase date or travel dates.

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. Some companies might require the traveller to have a primary insurance already in force before applying for the travel insurance to visit US. American Visitor Insurance provides international travel and health insurance plans for US citizens residing abroad making short term visits to US occasionally.

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 COVID19 illness up to the maximum of the policy. Please note the Patriot America plan does NOT cover COVID!

Comprehensive cover with Covid inclusions

Travelling during a pandemic has become very challenging. In the continuous effort to support humanity, health care workers, governments and insurance providers have brought about many changes for safe travel.

Insurance providers have now included Covid-19 coverage as any other illness .In a comprehensive cover the insured can be covered for the below covid19 benefits:-

  • Cover to reimburse the covered medical treatment of the Covid-19 illness during the trip.
  • Trip Cancellation as ordered by a physician due to COVID-19 illness of the insured.
  • Coverage for quarantine if ordered by the physician before the start of the trip.
  • Cancelling of the trip due to a lost job during the covid19 pandemic and is not a fault of your own.
  • For more details on inclusions feel free to call our customer support team and one of the licensed agents will be happy to assist.

Compare travel medical insurance for US citizens visiting USA

Start Date
End Date
Patriot Platinum

Plan Maximum


Pre-existing and COVID19


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Diplomat America

Plan Maximum




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Patriot America Plus

Plan Maximum


Pre-existing and COVID19

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Insurance Providers
Brochure & Details links

Insurance for US citizen and Non US citizen purchasing insurance for visiting the US

questionTo whom it may concern,
I was interested in purchasing the Patriot America Plus insurance plan, but I have two questions regarding insurance for me and my family.
  • I am an American citizen, but my wife is not. When in the payment window, I am only asked my citizenship, and not my wife's. Is this a problem? Do we need to buy separate plans?
  • How close to traveling can we need to get this plan? We will be traveling in May.
Thank you very much for your help,
questionDear William,
Thank you for your email.
The Patriot America Plus Insurance is suitable for US citizens and non US citizens residing outside the US. You can buy the insurance latest the previous day of your departure. The earliest the insurance can become effective is the next day of the purchase.


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General - FAQ's

I am traveling to the US and need to get a Covid19 test before I travel. Will my travel insurance cover me for the Covid19 test?

A Covid19 test that needs to be done before the departure is a requirement for the traveler to get an entry into a country, this is not an unanticipated event and hence is not covered by travel insurance.

Does travel insurance cover covid19 illness for US citizens?

There are some USA Covid travel insurance plans available for travel that cover covid19 as a new illness. US citizens can compare best Covid travel insurance plans and buy it online.

IMG offers Covid19 travel insurance coverage with the following plans.

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.

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:

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.

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 US expats living abroad visiting the US.

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:

These plans provide coverage for :

  1. Emergency medical treatment
  2. Trip Interruption
  3. Emergency medical evacuation
  4. Lost baggage and delay
  5. Covid-19
  6. Coverage for unexpected sickness and injury
  7. Emergency medical evacuation and repatriation
  8. Acute onset of pre existing conditions
  9. Urgent Care visit
  10. Emergency dental coverage
  11. 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.

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Covid19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid19 coverage.

At America visitor insurance travelers can get visitors insurance for Covid19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

US visitors insurance providers

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.

US visitors insurance providers

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