Travel insurance for US citizens residing abroad and visiting the USA

Compare and buy affordable travel medical insurance

Covid-19 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 Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 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 COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

US citizens visiting USA Travel Insurance
It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. 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.

Coronavirus travel insurance coverage 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 covid 19 international travel insurance starting 1st Sept, 2020. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 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 traveller 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 COVID-19 illness up to the maximum of the policy. Please note the Patriot America plan does NOT cover COVID!

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.

Patriot America plus Plan Details Brochure Buy now

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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