US citizens traveling outside USA, Best travel insurance forum

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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

Destination
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
Child
Residence
Destination
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.

US citizens traveling outside USA travel forum insurance questions and answers

01.  Covid19 Quarantine Travel insurance

Hi,

My family and I, 6 people, are planning a trip to Iceland. I am looking for an insurance policy that will cover quarantine costs in Iceland if one of us tests positive.

Thanks,
Linda

questionLinda,

Please use the link below to explore options if you also want trip cancellation

Covid19 Quarantine travel insurance Plans

OR, if you only want health insurance with quarantine coverage (no trip cancellation), then you can consider this policy:

The details of this plan are available in the below links:

let us know if we can help you any further

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

02. Travel Insurance plan that satisfies Costa Rica requirements

Hello,

Are there any insurance plans that is available for people traveling to Costa Rica that satisfies the Costa Rican requirements which includes lodging benefits of $2000?

Thank you,
Galina

questionDear Galina,

Thanks for your inquiry with American Visitor Insurance for Costa Rica travel insurance We now have a new policy that can be used to meet the very specific requirements for coverage in Costa Rica! The plan is called Safe Travels Voyager.

It has the $2,000 "lodging" (called trip delay which includes quarantine) benefit and covers medical expenses due to COVID-19 up to $250,000 (well over their requirement). This is a trip cancellation policy, so you can insure the non-reimbursable portion of your trip if you choose to.

We recommend, in these unprecedented times, to add the "Cancel For Any Reason" rider to your plan so that if your trip is cancelled due to border closures, you can recuperate 75% of your expenses for a new trip in the future.

If you do not use this rider, then you will only be reimbursed for set reasons usual for trip cancellation policies (sickness of you or travel companion, termination of employment,level 4 travel advisory of your destination country, theft of passport, mandatory evacuation, etc - see brochure for all conditions).

You should purchase your trip soon after you make your initial trip deposit (within 10 days) and you will get a visa letter which states you have coverage to meet all the requirements for Costa Rica immediately after purchase.

To get all the information on the policy, you can go here:

let us know if we can help you any further

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

03. Covid-19 International Health Insurance for US citizens traveling outside of the US

Hi,

I am a CA resident and I am currently in Vietnam. need to go to Thailand and I need a plan that can satisfy the requirements for Thailand Visa where a maximum coverage of $100,000 and coverage for Covid19 can be a plus.

Can you help me find a plan?

Thank you,
Stuart

Hi Stuart,

Thanks for contacting us for international travel insurance with covid-19 coverage! The plans available for US citizen traveling outside with COVID19 coverage are the plans from Trawick International.

However, since you need a plan that covers you outside with departure country is Non US, here is the plan for you:

Safe Travels International:

This plan covers COVID19 as well and provides a maximum coverage of $100,000. You can buy the plan online at the above given links.

Please let us know if we can help you any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

04. Long term Europe Visa Insurance

Hi,

I need long stay Europe visa insurance for 1 year plus 2 months . Do I buy a 2 month policy and a one year policy or do you offer a policy longer than 1 year?

Thank you,
Jim

Dear Jim,

You can only purchase Long term Europe Visa Insurance for one year at a time and you cannot buy it too far in advance either. You should be able to buy the insurance you need for your visa for one year and then extend it (near the end of the year) for your additional 2 months or as long as you need it (up to another year). I'm pretty sure that consulates are OK with this because that's just the way all insurance policies work. Get Quote

Let us know if we can assist you any further and good luck with the visa process!

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

05. Insurance For Greece and Germany

Hi,

I am interested in the Patriot International plan. I want to know if I can buy that plan for visiting outside the US. I will be attending visa interview in the Greek consulate and will stay there for a year.

If for some reason I get rejected, I will have to change the destination as Germany on the same plan. Can I do that?

Does the policy show the list of countries covered? Can the dates on the policy be changed?

Thank you,
Amani

questionDear Amani,

Thank you for contacting us at American Visitor Insurance for your travel health insurance for US citizens visiting Greece and Germany needs! To answer your questions, you can change the destination on the plans. Make sure that the visa letter is available for them.

You can put both destinations on the policy. Dates on the policy can be changed before the policy takes effect, otherwise it cannot be changed. The list of countries that are covered will not be listed on the policy.

The policy says coverage is available outside the home country. Only restricted countries will be specified in the plan details page on the company website. Here are the links for the policy we spoke about over the phone:

Here is our Schengen Insurance page for your reference.

Please Let us know if you have any further questions or would like some different options.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

06. Insurance for Senior US citizens above 80 traveling outside

Hi,

Arriving Italy May 3rd going to Prague then Budapest taking 15 day river cruise to Amsterdam then flying to Seattle Wa. Need medical Ins. from May 3 to May 29.

We are 81 and 84 years old but in great health . Please contact with available plan, we have Medicare and AARP supplement works well in US but I am sure not in Europe, please advise

Thank you,
Lewis

questionDear Lewis

Thank you for contacting American Visitor Insurance with your inquiry! We have a great plan called Globe Hopper Senior from the company International Medical Group (IMG) which is available for persons 65 and older if they have Medicare Parts A and B and a supplement.

This is available for their travel outside the US. You can purchase Globe Hopper with a maximum of $50,000, $100,000, $500,000 or $1 million coverage. Note that, to get upper amounts of coverage, you must have at least a $250 deductible. The details of this plan are available in the below links:

Hope this helps!

Please Let us know if you have any further questions or would like some different options.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

07. Travel medical Insurance for US citizen from Brazil doing international travel to China and Korea

Hi,

Once again, my wife and I will be traveling and we want to purchase travel insurance but do not know which plan would be best for our circumstances.

I am an American living in Brazil along with my Brazilian wife. We will begin traveling to China (Beijing and Qingdao is what we have planned) as well as Seoul, Korea.

Our flights will take us from Sao Paulo (leaving Aug 27 at 8:50pm) through Dallas/Ft. Worth (arriving Aug 28 at 5:20am) to Seoul (arriving Aug 29 at 3:15pm). We spend a night in Seoul before flying to Beijing (Aug 30).

We will be in China from Aug 30 to Sept 8. Then we fly from Qingdao back to Seoul. From Sept 8 to 17, we will be in Seoul. On Sept 17, we fly from Seoul through Dallas/Ft. Worth (arriving Sept 17 at 4:00pm), leaving later that day for our flight to Sao Paulo.

My questions are - which type(s) of insurance would be best for me and my wife, considering that I am an American living in Brazil with my Brazilian wife, and not only are we traveling to China and Seoul, but we will be flying through the United States (even though that is not our destination). and what days should I plan on getting coverage for, considering that our flights to and from Brazil leave in the evening and arrive the following day.

Thanks in advance for your help!

Thanks,
Scott

questionDear Scott,

Thank you for contacting us for your insurance needs. We have a comprehensive international plan that covers you in USA as well. The plan is Atlas Travel plan. The details of this plan are available in the below links:

In this above links, you need to enter "Worldwide including US" for the coverage region. Then after entering the remaining details, you will see price quote for 2 plans namely Atlas America and Atlas Premium America . You can view the highlights and decide which you want to buy.

Hope this helps!

Please let us know in case of any further questions

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

08. Insurance for a Green Card holder to travel to Europe

Hi,

I need insurance to travel to Europe from US.. I am a Green Card holder. Can you please suggest a plan that is suitable for me?

Thanks,
Sadhna

questionDear Sadhna,

Thank you for contacting us for your insurance needs. The Patriot insurance plan offered by IMG is specifically designed for short term visitors outside the USA and is a hugely popular choice among tourists.

The plan meets Schengen or Europe Long Term visa requirements as long as you choose a $50,000 maximum (at least) with a $0 deductible (some countries require a $0 deductible). Immediately after purchase, you will receive a confirmation email containing links to ID cards and a "visa letter".

The visa letter is what the consulate needs to see for visa purposes. They are considered official documents even though you print them out yourself. You can get all details about Patriot insurance at :

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

09. US citizen living outside the USA and traveling to Netherlands

Hello,

I am a US citizen currently in Thailand. I have no insurance with any country. I will be going to the Netherlands soon and would like to have affordable coverage. I' m 44 years old and make a little less than $2,000 working online. I'd like to know how much I'd need to pay for at least 30,000 Euro coverage.

Thanks,
Joshua

questionDear Joshua,

Thank you for contacting us at American Visitor Insurance for your US visitor health insurance needs!

This policy is very popular and very affordable with international travelers and also has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to the maximum of the plan for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.
ATLAS INTERNATIONAL: Here is the product webpage for ATLAS INTERNATIONAL on our website

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

10. Travel medical Insurance for 82 year old US citizen visiting Italy

Hi,

I am 82 years old and I am traveling to Italy and I am looking for a health insurance that can cover while I am there. Can you help me find one?

Thanks,
Rosario

questionDear Rosario,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!

Here are the links for the policy we spoke about over the phone: This is the plan that is suitable for you to travel outside the US to Italy:,SAFE TRAVELS OUTBOUND:

This plan is available with a policy maximum of $50,000. Here is the BUY link for this plan:

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

11. Travel medical Insurance for US citizen visiting London

Hi,

I need to travel to London for a short visit. I need to know if I can get a travel/health insurance that will cover me while I am there? I also need to know if I will be covered if I visit a doctor for a fever and cold and how will I get the expense covered.

Is direct billing possible? I would prefer that.

Thank you,
Anamika

questionDear Anamika,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!

Here are the links for the policy we spoke about over the phone for your trip to London: The plan is ATLAS INTERNATIONAL and it is from the company WorldTrips.

You can find all the details in this link. Please click on the "Brochure" button to open the PDF document which has the benefit details. This plan has international provider network called Equian. To know more about the claim process, please contact the company directly. The contact details are in the above link.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

12. How the Visitor insurance policy works outside USA

Hello,

Hi my name is William Jones and I just bought a travel insurance policy with your company for my trip to New Zealand. I just had a quick question, if something were to happen to me on my travels, what information will I need in order to take care of any potential costs that may incur in case of injury?

Thanks,
Billy

questionDear Billy,

Hi! All you need is the information found on the ID card which should be attached or links to the confirmation email you received after you made your purchase. If you can't print it out for some reason, you will need the following information: Your certificate number and the phone number for the insurance company.

If you need to call them from overseas, use the direct number (not the toll free number) and call collect; they will accept your call anytime as well as any doctor/hospital you use.

I hope this has answered your question. Have a safe and happy trip!

Please have a look and let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

13. US citizen traveling to Asia

Hello,

I'm a US citizen, I will be travelling to Asia, I need basic coverage for emergency medical evacuation. Please can you guide through the insurance quotes analysis.

Thanks,
Bruce

questionDear Bruce,

Please use our compare travel insurance quote form for US citizens. You need to answer a couple of questions as follows:

Select “Excluding USA” as your destination since you are travelling to Asia. The plans offered here will be cheaper than the ones offered under “Including USA”.
Citizenship as “US citizen”
“Travel Insurance” as the type of insurance
“No” for Schengen visa letter as you are travelling to Asia
If you need coverage for pre-existing conditions you select “yes” else “no”
“$25,000 - $50,000” as your maximum coverage
Enter your age, spouse and children age(if they are travelling) and the travelling dates.
Click on “Get quotes”
This will take you to a page which will display a list satisfying your criteria.
If you are confused among different insurance policies, you can select them (by clicking on the check box) and compare among them.
After comparing you can select a plan and click on buy now.

I would recommend a comprehensive plan like Patriot International for your trip.

Patriot International plan from International Medical Group (IMG)

Please let us know if we can help you any further by contacting us at +1 (877) 340 7910 or leave us a message with your contact number and we shall contact you soon.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

14. Short term insurance for US citizen in Germany

Hello,

I am looking for a new insurance plan starting on the New Year, and I am interested in your insurance plans. A little background about me: I am currently traveling around Vietnam and Asia, and will be doing so for the next two months.

Then, I am going to Germany for another two months. Can I buy health insurance even though I am already overseas? and do you recommend I buy an annual plan, or do you have a shorter, 6 month plan?

Thanks,
Thomas

questionDear Thomas,

Thank you for contacting us at American Visitor Insurance for your US visitor health insurance needs!

Technically insurance have to be bought before you arrive in the destination so that you have coverage from day one.

Global Plans from IMG are available for US citizens traveling abroad. Here is the list of global plans from IMG: Global Plans plan from International Medical Group. The global plans are available for 12 months.

If you need something for a shorter period of time, we have other international comprehensive plans but they do not have extensive coverage like the Global plans. Using our Visitor insurance quote comparison tool you can find the plans by taking a quote by entering the policy maximum that you prefer and all you details:

Please have a look and let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

15. Global Insurance for US citizen traveling outside US

Hello,

I am a US citizen and I am living in Singapore in between jobs. Looking for a medical insurance plan for me (age 52) my wife (age 51) and my daughter (age 17). I will start a new job soon but don't want to be uninsured.

Regards,
Craig

questionDear Craig,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!

Following our conversation on phone, I am sending you the details on the Global Plans of IMG:

Here is our product page for the Global Crew Medical plan that you requested:

1. Global Crew Medical plan from International Medical Group/p>

Our other global plans are also available in case you are interested to see: Global Medical Insurance

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

16. US resident (non US citizen) visiting Spain for 3 months

Hi,

I'm an Indian residing in US and visiting Spain for 3 months on business work. Please suggest a suitable insurance plan for my entire period of stay in Spain.

Thanks,
Arun

questionDear Arun,

Being an Indian residing in US you need to provide the proof of resident status in the US which can be either a Green card, a valid US visa, a copy of valid I-20 or valid I-AP66, visas to apply for a Schengen/short stay visa. The visas or the US resident status must be valid for at least 3 months after the last day of stay in the Schengen area. As required by the Schengen consulate, you are required to buy a travel health insurance plan that satisfies the visa requirements.

We have two insurance plans that satisfy the visa requirements as per the consular needs namely Atlas International or the Patriot International Insurance plans.

Please let us know if you need further help.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

17. US citizen staying in France for a year

Hi,

I'm a US citizen residing in California visiting France for a year. Please suggest an insurance plan.

Thanks,
Jack

questionDear Jack,

For staying in France for a year you must apply for the Long Term Europe stay visa. This is required even if you are a US citizen. One of the requirements for Long Term Europe stay visa is the mandated Schengen visa insurance.

You can check the Atlas International or the Patriot International Insurance plans as they satisfy the Schengen visa requirements.

1. Atlas International plan from WorldTrips

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

18. Insurance for US citizen for international travel to Ghana

Hi,

I am US citizen traveling to Ghana and will stop by in Dubai for 2 days before reaching Ghana. I am looking for a travel medical insurance that covers emergency medical evacuation, trip cancellation, loss of luggage and any medical coverage.

Can you please suggest me a comprehensive option?

Thank you kindly,
Janice

questionDear Janice,

Thank you for contacting us at American Visitor Insurance for your. US visitor medical insurance needs!

Here is the plan that is suitable for you for your travel to Ghana.

ATLAS INTERNATIONAL: You can get all information about Atlas insurance, see the brochure, and buy the policy in the website in the below links.

This policy is very popular with international travelers and has many excellent features.

This plan provides up to $100,000 or the maximum of the plan for acute onset of pre existing condition and an additional $25,000 for emergency medical evacuation. This plan also has coverage for trip cancellation, trip delay and lost luggage.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

19. US citizen traveling outside US

Hello,

My mother is US citizen and she is traveling to Germany. She is 79 years old and I need $100,000 maximum coverage plan for her. I want to know if this plan will continue to cover her after she turns 80?

Thanks,
Hayk

questionDear Hayk,

It was nice chatting with you earlier. Here are the links as promised for two excellent comprehensive options for your visitor in Germany.

Atlas International is a great choice which will cost $3223 for your 79 yr old visitor for 1 yr coverage. Please be aware that you will not be able to purchase this while physically located in the state of NY.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

Frequently asked questions

01.  What is the best health insurance for visitors to USA?

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans.

Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance.

A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

02.  Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

03.  How to buy travel insurance? How to find the best international travel health insurance?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to Compare travel insurance USA of different companies.

The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19.

The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

04.  Do US citizens need travel insurance while traveling outside USA?

US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance while traveling outside USA. Healthcare costs can be high, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.

05.  What does international travel insurance while traveling outside USA cover?

The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes

  • Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
  • Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
  • Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
  • Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
  • Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.
06.  How much does international travel insurance from USA cost?

The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance while traveling outside USA can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.

07.  Are pre-existing medical conditions covered by international travel insurance from USA?

Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.

08.  Is travel insurance mandatory for traveling outside USA?

Travel insurance is usually not mandatory for US citizens traveling overseas, this situation may change depending on the requirements of specific nations, and on specific circumstances (Travel health insurance was made mandatory by many nations during the Covid pandemic). However, even if not mandatory, international travel insurance is highly recommended in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.

09.  How do I choose the right travel insurance while traveling outside USA?

When choosing travel insurance for your trip, consider the following factors:

  • Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
  • Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
  • Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
  • Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
  • Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.

When buying international travel health insurance from USA, it is important to compare US travel insurance from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.


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    4. Student Health Advantage
    5. OPT Insurance
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    1. Motorcross Coverage
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    3. Patriot Exchange
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    5. Maternity
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    2. Coverage
    3. Renewal
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