US citizens visiting USA Insurance Forum

questionHello,
I am a US citizen living and working in Egypt. My wife and new born daughter (who are German citizens) will be travelling with me for a month vacation to the US this summer. How can I get an insurance plan that covers all of us during our stay in the US?
Thanks,
Eric

questionDear Eric,
Thank you for contacting us for your insurance needs. The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. Recently, this company made changes to their plans which allow US citizens who reside abroad to purchase these plans for short trips back home to the US.This company has another version of the policy which covers "acute onset of pre-existing conditions" for persons under 70 years of age. This is Patriot America Plus and in all the other ways this plan is like Patriot America.
To get a quote and/or buy Patriot America Plus insurance:

Patriot America Plus     Plan Details     Buy Now Brochure

To get a quote and/or buy Patriot America insurance:

Patriot America     Plan Details     Buy Now Brochure

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

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : June 2019
questionHi,
I am an American citizen and just moved to Nicaragua a month ago and planning to go back to USA for 3 weeks on JULY 02 . If I buy a worldwide health insurance would I be covered for this trip to USA ( 10 weeks after flying to Nicaragua to reside there).
Thanks,
Irma

questionDear Irma,
Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!.Most companies will not allow US citizens (even dual citizens) to purchase Travel insurance for trip back to the US. IMG just recently changed their eligibility to allow this. The company is IMG and they offer two products for travel into the US: Patriot America and Patriot America Plus. The Patriot America Plus plan is the same as the Patriot America plan, but it adds coverage for "acute onset" of pre-existing medical conditions for persons under 70 years of age. If there are not pre-existing conditions of concern, then purchase the Patriot America plan since it is cheaper than the Plus plan.
To get a quote and/or buy Patriot America insurance:
Patriot America     Plan Details     Buy Now

To get a quote and/or buy Patriot America insurance:
Patriot America Plus     Plan Details     Buy Now

To search for providers in their PPO network.

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

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : May 2019
questionDear American Visitor Insurance,
I am a US Citizen living in India and now planning to visit USA. My age is 59 years. I see the following in your program details: Unique Benefits • For those under 65 years of age and visiting the US initial period of coverage must begin within 6 months of arrival and for those above 65 it must begin within 30 days of arrival. Question: Applicability of the above in my case, is I want the insurance to start on May 25, 2019?.
Thanks,
Sham

questionDear Shamprasad,
Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!.Most companies will not allow US citizens (even dual citizens) to purchase Travel insurance for trip back to the US. However, IMG offer two products for travel into the US: Patriot America and Patriot America Plus The Patriot America Plus plan is the same as the Patriot America plan, but it adds coverage for "acute onset" of pre-existing medical conditions for persons under 70 years of age. If there are not pre-existing conditions of concern, then purchase the Patriot America plan since it is cheaper than the Plus plan. To get a quote and/or buy Patriot America insurance:
Patriot America     Plan Details     Buy Now

To get a quote and/or buy Patriot America Plus insurance:
Patriot America Plus     Plan Details     Buy Now

To search for providers in their PPO network. After your purchase, you will receive your documents right away. Just download and print your ID card and you are set to go.

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

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : May 2019
questionDear American Visitor Insurance,
I have a 19 year old son, who resides with me in Spain. DANIEL is American, so he does not need a visa. From August 2019 to July 2020 it is planned that I studied at Manhattan College in NY. The College requires us medical insurance coverage without exclusions, or lack of deadlines for pre-existing diseases for the entire school year (August-2019 / July 2020), because although Daniel is in very good health, is Diabetic from 14 years of age (Melitin type 1).
What would be the most appropriate plan for Daniel's circumstances?
Marta,

questionDear Marta,
Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!.Unfortunately we do not have anything that will fit what you are needing for your son while he is at Manhattan College.However, since he is a US citizen, he can apply for domestic coverage (so called, Obama Care plans) offered by private companies which you can compare from New York's insurance marketplace.

Ordinarily, you have to wait until what is called "open enrollment" periods (starting in November for plans to start the first of the year).However, his arrival into the US (whenever that will be) will constitute a "qualifying event" which will allow him to sign onto a plan mid-year.He will have a limited time in which to sign up, but domestic plans all have to meet the requirements you describe.

The other option is that the College may offer a plan for their students.This should meet all their requirements.Either of these options are not inexpensive, but they will be what he will need during his time at Manhattan College.

The visitor plans we offer (some of which can be purchased by US citizens for short term coverage while in the US will not cover pre-existing conditions and are only for sudden illness or accident (so there are many exclusions).Good luck with your preparations for what looks like a great opportunity for your son.Do let us know if you have further questions and we can help as best we can.

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

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi there,
I am interested in obtaining health insurance through your company.I am a US citizen, currently living in Australia until the 30th of November.I will be travelling to Africa (South Africa, primarily) as well as Europe & the US from 1 December 2018 until around 15 July 2019.Could you please recommend the best policy for me?

My trip will be beginning from Australia.I have seen some providers require a trip to start domestically within the US and just want to be sure this wouldn't be the case.

Could you kindly confirm?

Cheers,
Michael

questionDear Michael,
Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!.You will have to buy 2 separate plans. One plan will cover you worldwide excluding US and the other plan for coverage within the US. For traveling outside of the US to any other country like Europe and Africa, you can use one of these 2 plans which has world wide coverage.
1. Atlas Travel:
Atlas America insurance     Plan Details     Buy Now

Another version of this plan :Atlas Premium
Atlas Premium insurance     Plan Details     Buy Now

2. Liaison Travel plans:
Laison travel choice     Plan Details      Buy Now

For coverage within the US , during your stay in the US, you can buy this plan: Patriot America or Patriot America Plus:
Patriot America :
Patriot America     Plan Details     Buy Now

Patriot America Plus
Patriot America Plus     Plan Details     Buy Now

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

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello!
I would like to purchase Travel Medical Insurance for my father who is a US citizen, resides out of US but traveling to US for holiday. Your website states I can put US address but when I am filling the form online, It does not give me the option to add USA as the country.
Please advise,
Alpana Jogia

questionDear Alpana,
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: Here is the link on our website for the US citizens visiting the US. Please scroll down to see the suitable plans and see the information for Diplomat America plan. Here is the buy link for the Diplomat America plan for your reference.

The Diplomat America plan can be purchased for as little as 15 days and cannot be renewed. It can be purchased with a lower maximum ($50,000 or $100,000).
Diplomat America     Plan Details     Buy Now     Brochure

Other option for US citizens who want coverage for pre-exiting conditions is Patriot America Plus from International Medical Group. The Patriot America Plus plan is particularly good for persons under 70 years of age with pre-existing medical conditions that could become an unexpected emergency during their travels.
Patriot America Plus     Plan Details     Buy Now

This plan offers coverage up to the maximum of the plan for what is called "acute onset" of a pre-existing medical condition up to the maximum purchased for the plan.However, for persons over 70 or without such pre-existing medical conditions, the Patriot America plan has a greater option of maximums with better pricing.
Patriot America     Plan Details     Buy Now

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

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello!
My name is Muhaddisa Ali and I am a 16 year old US Citizen. I live in Pakistan and will be visiting the US from 22nd June to 14th August. I am going to be attending a 6-week summer Pre-College Program at Rhode Island School of Design.
Firstly, I don't fully understand how the Insurance Plans work. I would appreciate if you could brief me on that. I have questions like, How does a deductible work? Are there specific requirements for universities? What will be covered? etc.
Secondly, I would appreciate help in choosing a plan that works best for me and my needs.
Since I am budget oriented, I would like to be as conservative with my costs as possible for this short trip.
Thank you
Muhaddisa

questionDear Muhaddisa,
Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!. Given below are details of plans thatwill cover US citizens who reside outside of the US while they visit the US.These plans define "home country" as where a person has a fixed residence, not necessarily their country of citizenship.So, as long as you intend to return to your country of residence, they will cover you.
Here is the plan that is available for US citizens coming to the US for short term. Universities sometimes ask for specific benefit coverage. That is something that you might want to check with your university.

DIPLOMAT AMERICA:
For this plan you need to enter the Pakistan address as your home country address. The plan can be purchased for a minimum of 15 days and offers plan maximum of $50,000 or $100,000.
Diplomat America     Plan Details     Buy Now     Brochure

Regarding how these policies work:
You can buy them online and you will receive a confirmation email with the ID card and policy details attached. You can use them for your future use.
The deductible is the initial amount that you will be paying in case you incur claim expense after which the company will pay the remaining expense.
There is a 20% co insurance amount that is applicable after the deductible amount for the first $5000 of the expense after which the insurance company will pay 100%.

The other option is Patriot America insurance from International Medical Group. The policy maximum range from $50,000 to $1 million. The traveler must have resided outside US continuously for the past 6 months and must have a current health plan in force.
Patriot America     Plan Details     Buy Now

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionGood afternoon,
My fiance and I are traveling to the US for two week in January. I am a US citizen and he is a foreign national with a visitor visa. We are looking at travel insurance plans for the time we are in the States, but are having trouble because I am a US citizen traveling to the US. We have also found out the we are expecting, which has also hindered finding appropriate travel coverage.
We have looked into your plan and understand the terms. It seems to be linked to the ACA, but not entirely PPACA approved. Despite being a US citizen, do I still qualify to for this travel insurance?
Thank you and we hope to hear from you soon.
Sincerely,
Joyce

questionDear Joyce,
Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!. Here at American Visitor Insurance, we pride ourselves on getting you the best plan for your particular situation.
Unfortunately, none of the plans that will cover US citizens in the US have any coverage for maternity expenses. While the Atlas plan would cover only complications, it is not available for US citizens while in the US. You can, of course, purchase Atlas for your fiancee (you dont need to purchase the same plan), but obviously the maternity coverage is irrelevent in his case. Do let us know if we can assist you further. We are happy to assist you with your purchase or answer remaining questions you may have. We wish you safe and happy travels!

Atlas America      Plan Details     Buy Now     Brochure

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am an American citizen living in Australia.
I will be travelling in the US for about 1 month and need to get insurance that I can use while I am home for both emergency cover and a few Doctors appointments. I am wondering which plan would be best for this. Are these plans for only emergency medical coverage or do they also cover the general check-ups?
Thanks,
Christine

questionDear Christine,
Thank you for contacting American Visitor Insurance for your travel insurance needs.
Given below are details of plans that will cover US citizens who reside outside of the US while they visit the US. These plans define "home country" as where a person has a fixed residence, not necessarily their country of citizenship. So, as long as you intend to return to your country of residence, they will cover you. Here are the 2 options. These insurance plans cover the new unexpected sickness and injury both emergency and non-emergency medical coverage as long as it has not existed before but they do not cover the general check-ups.

  1. Diplomat America from the company Global Underwriters: With this plan you need to enter the mailing address of the place where you live currently and this plan has a maximum lifetime of one year. The plan can be purchased for as little as 15 days and cannot be renewed. It can be purchased with a lower maximum ($50,000 or $100,000).

    Diplomat America Plan Details Buy Now Brochure
  2. Patriot America Plus from International Medical Group: This plan is ideal for travelers who want coverage for pre-existing conditions. This plan offers coverage up to the maximum of the plan for what is called "acute onset" of a pre-existing medical condition up to the maximum purchased for the plan.
  3. Patriot America Plus Plan Details Buy Now
  4. For persons over 70 or without such pre-existing medical conditions, the Patriot America plan has a greater option of maximums with better pricing.
    Patriot America Plan Details Buy Now
Please let us know if we can help you any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019

Resourceful visitors medical insurance information

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Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Liaison Travel
    12. How an insurance plan works?
    13. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs
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