Travel medical insurance for U.S. citizens living abroad visiting US

Compare travel medical insurance for U.S. citizens living abroad visiting US

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.
Brochure & Details links

Travel insurance for US citizens living abroad visiting USA

US citizens visiting USA Travel Insurance

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:

  1. Global Underwriters
  2. International Medical Group (IMG)

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

US expatriate insurance

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.

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Travel insurance for U.S. citizens visiting USA - FAQ's

01. 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.

02. 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.

03. 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.

04. 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.

05. 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.

06. 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.

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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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