Travel insurance from USA to Micronesia
Micronesia is a region in the western Pacific Ocean comprising thousands of small islands. It is politically divided into several countries and territories. Micronesia is located in the western Pacific Ocean, north of the equator. It is part of the larger region known as Oceania. The region includes thousands of islands, most of which are small and scattered across the Pacific.
Travel insurance is highly recommended for US citizens traveling to Micronesia as it provides essential coverage and protection in case of unforeseen events or emergencies during the trip. Micronesia offers unique opportunities for tourism, including pristine beaches, vibrant coral reefs, and cultural experiences. Visitors can explore ancient ruins, dive among World War II shipwrecks, partake in traditional ceremonies, and enjoy the warm hospitality of the local communities.
The cost of travel insurance is around 5% of the trip cost and easily provides value worth more than its cost. While travelling to Micronesia US travelers should consider purchasing a protection for their vacation. It is always best to include a good travel insurance cover especially given the Ukraine War. US travelers can get coverage for any sudden travel and medical emergencies that may occur during the trip. The Trip Cancellation or Trip Delay covers can aid US travelers in insuring the trip expenses.
Micronesia - General Information
Capital
Palikir
Population
Around 0.54 million
Location
Western Pacific
Best time to visit
December to April
Currency
United States dollar (USD)
Language
Marshallese, Gilbertese, Kosraean.
Vacation spots
Chuuk Lagoon, Pohnpei State, Ant Atoll, Weno, Kapingamarangi, Nukuoro.
Popular tourist destinations in Micronesia
Nan Madol
Nan Madol is an archaeological site adjacent to the eastern shore of the island of Pohnpei.
Pingelap
Pingelap is an atoll in the Pacific Ocean, part of Pohnpei State of the Federated States of Micronesia.
Kepirohi Waterfall
Make a splash at Kepirohi Waterfall, one of Micronesia's best-known waterfalls. The 20 m high fall drops into a lake.
Stone Money
To see giant stone discs used as coins, head to Stone Money, located on the island of Yap.
American traveler insurance including trip cancellation coverage
US citizens are advised to consider purchasing trip protection insurance, particularly when traveling beyond their home state. Travel insurance for US citizens visiting Europe tailored for US vacationers offer coverage that includes the traveler's health and trip expense costs. Coverage benefits typically encompass trip cancellation, delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.
Travelers can also include the Cancel for Any reason (CFAR) insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. This insurance provides coverage in the following ways:- Non refundable cost of the trip.
- Unexpected medical expenses of the traveler.
- Loss or damage to the insured’s possessions.
Following are the best trip insurance plans:
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The trip insurance offered by IMG is a three-tiered series of plans: Travel Lite, Travel SE and Travel LX. These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.
Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
Compare IMG Trip insurance » -
Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are popular plans for trip related expenses.
The Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the 'Cancel for any Reason' which is available as a rider at an additional cost.
The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.
Compare Safe Travels Trip Protection insurance » -
- Available for US citizens and residents traveling outside the United States
- Includes $2000 in travel delay benefits for Covid quarantine/lodging.
- Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
- Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation
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The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice. There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.
Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.
There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
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Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.
Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.
International travel health insurance from USA
Best travel insurance coverage for theft gear
American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.
US citizen travel insurance for emergency medical evacuation
Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.
American travel insurance for canceled flight
Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.
Best travel insurance cost 2024
The American travel insurance cost per month can vary depending on several factors like the age, trip duration, the coverage maximum, and any additional add-ons or options you select. On average, travel insurance costs for a US citizens 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 compare US citizens travel insurance quotes from different insurance providers on American Visitor Insurance.
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Plan Name Maximum coverage Deductible Cost # Atlas International Insurance WorldTrips $50K $250 $53 Patriot International Lite Insurance IMG $50K $250 $54 Safe Travels Outbound Insurance Trawick International $50K $250 $75 Intermedical Insurance Travel Insure $50K $250 $71 VisitorSecure Insurance WorldTrips $50K $100 $33 Voyager Essential Insurance GeoBlue $50K $0 $72 # Approximate American travel insurance cost for a 40-year-old for a duration of 1 month.
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Trip insurance cost is based on several factors such as the age, trip length and trip cost. There are cheap trip insurance plans starting at $25 per month.
Plan Name Trip cancellation Cost # Safe Travels Flex Trawick International 100% of Trip Cost (Up to a Max. of $45K) $25 Safe Travels Protect Trawick International 100% of Trip Cost (Up to a Max. of $14k) $32 iTravelInsured Travel Lite IMG 100% of Trip Cost $42 Trip Protection Economy Seven Corners 100% of Trip Cost (Up to a Max. of $20k) $43 iTravelInsured Choice IMG 100% of Trip Cost $50 SafeTravels Armor Trawick International 100% of Trip Cost (Up to a Max. of $15k) $55 Trip Protector Preferred HTH worldwide 100% of Trip Cost (Up to a Max. of $50k) $70 iTravelInsured Travel LX IMG 100% of Trip Cost $106 # Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1K trip cost.
Visa free travel countries for US citizens
Trip Cancellation Insurance
Highlights of trip cancellation insurance coverage benefits
Compare travel Insurance with cancel for any reason benefit.
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Best trip cancellation insurance with quarantine coverage.
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Rental car Insurance for damage, theft, repair of rented cars.
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Trip cancellation insurance for trip expenses if the trip is cancelled.
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Trip interruption insurance for travel expenses when a trip is Interrupted.
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Travel insurance coverage due to lost, damaged, delayed or stolen luggage.
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Emergency medical evacuation travel insurance coverage.
Know more »Best Trip cancellation insurance for Micronesia from USA
Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is done months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements.
Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings. Buying Trip protection insurance for Micronesia can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.
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Travel insurance for US citizens to Micronesia
Short term travel medical Insurance
- For short term travel vacations ranging from a few weeks to few months (less than a year).
- This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions.
Long term health Insurance
- Ideal for expats working overseas and for US pensioners living outside the US.
- These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits.
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.
Get quote »Travel insurance for US seniors with Medicare coverage
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Traveling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive. Buying Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.
Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior travel health insurance as affordable overseas travel medical insurance for US senior citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as a GlobeHopper Multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip. The GlobeHopper Senior plan is very popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.
Know More »Travel insurance to Micronesia from USA - FAQ's
01. Do I need travel insurance for Micronesia? Does Micronesia require travel insurance?
If you are a US citizen or have the nationality which does not need the Schengen visa, then travel insurance to Micronesia is not mandatory. However travel insurance for Italy from USA is mandatory if one need’s a Schengen visa or if you want to stay over 90 days in Europe. However, given the high cost of health care in Micronesia, the fact that US domestic health insurance provides little coverage in Micronesia and that international travel has become more uncertain with disrupted flights, the Israel-Hamas conflict and pandemic restriction, it is strongly recommended that international travelers buy the best Micronesia travel health insurance.
Given the relatively low cost of travel medical insurance for Micronesia, it is prudent for international travelers to buy the best travel insurance for Micronesia which can actually save significant money in the event of any adverse medical or travel related situation.
02. Which is the best travel medical insurance fo Micronesia from USA?
Excellent question and we work hard to find the best answer to this question! Given the unique needs of different US travelers there is no single Micronesia travel insurance plan that always works best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition.
We endeavor to give US travelers as much relevant information as possible so they can find the best medical coverage when traveling in Micronesia. Our Travel insurance for Micronesia from US quote comparison tool helps US travelers compare different German visa travel insurance plans based on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!
03. Do US citizens need travel insurance for Micronesia from USA?
The regular 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 for Micronesia. Healthcare costs can be high in Micronesia, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.sed on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!
04. What does international travel insurance to Micronesia from 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.
05. How much does Micronesia 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 for a US citizen visiting Micronesia 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.
06. Are pre-existing medical conditions covered by travel insurance to Micronesia 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.
07. Is travel insurance mandatory for travel to Micronesia from USA?
Travel insurance is not mandatory for US citizens visiting Micronesia. However, even if not mandatory, travel insurance for Micronesia is highly recommended so as to have adequate coverage 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.
08. How do I choose the right holiday insurance for my trip to Micronesia?
When choosing travel insurance for your trip to Micronesia, 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 travel health insurance for Micronesia, it is important to compare travel insurance policies 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.
09. How to get travel health insurance for Micronesia?
There are many travel health insurance options available for Micronesia. Safe Travels Outbound insurance by Trawick International for US citizens traveling to Micronesia with Micronesia Covid insurance coverage. Safe Travels International insurance by Trawick International works well for Non-US citizens visiting Micronesia and provides Covid19 insurance coverage.
Atlas America insurance offered by WorldTrips which is considered one of the best travel insurance options offers coverage up to $2,000,000.
10. What does international travel insurance from USA to Micronesia typically cover?
US travel insurance for Micronesia typically covers medical expenses, emergency medical evacuation, trip cancellation or interruption, baggage loss or delay, travel delays, and personal liability. However, the coverage will vary depending on the specific insurance plan you choose. It is very useful to make an informed decision by comparing the best US travel insurance for Micronesia on American Visitor Insurance.
The travel insurance for Micronesia from USA typically has the following coverage benefits:
- Emergency medical expenses - for any sudden and unforeseen illness or injury that requires medical treatment while you are in Canada. This may include hospitalization, ambulance, prescription drugs, dental care, and repatriation.
- Trip cancellation and interruption - for any non-refundable prepaid travel arrangements that you have to cancel or cut short due to a covered reason, such as sickness, injury, death, natural disaster, or travel advisory.
- Lost or stolen baggage - for any personal belongings that are lost, stolen, or damaged during your trip, up to a certain limit. This may also include baggage delay benefits if your luggage is delayed for more than a specified period of time.
- Other benefits - such as travel assistance, accidental death and dismemberment, flight accident, rental car damage, and personal liability. These benefits will vary depending on the plan and provider you choose.
11. Is international travel insurance for Micronesia from USA necessary?
While travel insurance is not mandatory for visiting Micronesia as a US citizen, it is highly recommended. Having travel insurance safeguards you against unexpected expenses and provides assistance in case of emergencies or disruptions during your trip.
12. Can I purchase travel insurance after I arrive in Micronesia?
It is possible to purchase travel insurance after arriving in Micronesia, but it is advisable to have coverage in place before your trip begins. If you wait until you arrive, you may not be covered for any pre-existing conditions or events that occur before the policy is active. Therefore, it is recommended that you buy travel insurance for Micronesia before you leave the US, as you may face unexpected risks or emergencies during your travel or stay. You can compare different travel insurance plans online on American Visitor Insurance to find the best option for your needs and budget.
13. How much does travel insurance Micronesia cost for U.S. citizens?
There are many affordable travel insurance for Micronesia plans. The best travel insurance for Micronesia plans cost depends on factors such as the length of your trip, coverage limits, your age, pre-existing medical conditions, and the insurance provider you select. It is recommended to find Micronesia travel insurance reviews and compare travel insurance Micronesia quotes on American Visitor Insurance to find the most suitable option for your needs.
14. Can I get travel insurance for pre-existing medical conditions when visiting Micronesia?
Some US travel insurance providers offer coverage for pre-existing medical conditions, but this can vary. When buying affordable travel insurance for Micronesia, it's crucial to compare the best travel insurance for Micronesia plans on American Visitor Insurance for policy details to understand the pre-existing conditions coverage. Some insurers may provide pre-existing conditions coverage while others offer limited coverage for acute onset of pre-existing conditions and some other offer this coverage as an add on benefit at an additional cost.
Best International travel insurance to Micronesia
Medical evacuation travel insurance for travelling to Micronesia
Travel insurance for Micronesia who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called “Medevac insurance” .
The Atlas Medevac insurance from World Trips covers emergency medical evacuation for US citizens.
Factors to consider while buying travel insurance for Micronesia
The cost of Europe long term visa insurance depends on the following:
Age of the traveler
The travel insurance price is directly proportional to the age of the traveler. The older the traveler and higher is the cost of the travel insurance.
Type of travel insurance
Comprehensive travel insurance which provide exhaustive coverage are more expensive. Traveler can select between single trip or multi trip travel insurance.
Medical maximum coverage
The price of travel health insurance is directly dependant on the maximum medical coverage and inversely dependant on the deductible of the plan chosen.
Region of coverage
Travel insurance depends on the coverage region. The cost for travel health insurance in some countries (USA …) is more expensive than others.
Duration of travel insurance
The longer the duration of visitor medical insurance required, the higher will be the cost.
Any add on benefits
Additional add-on benefits like adventure sports coverage … will increase the cost of coverage.
Trip vs Travel health coverage vs Global medical insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences
Click here to read more »Overseas travel insurance for US residents
Best travel insurance for cruises
Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.
Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most cruises offers Cruise protection, but that is not the same as trip insurance for cruises.
A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for cruises offer.
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Steps to buy
Travel insurance for Micronesia online
1: Finding the available international travel health insurance plans
Complete the travel insurance quote form by providing traveler details and the insurance requirements.
2: Compare the different travel insurance options
Compare price and the benefits of the different travel insurance options to identify what fits your needs best.
3: Buy the holiday insurance USA you like best and review documents
Buy the plan that fits your needs and budget by using a credit card and completing the online application.
4: Review the travel medical insurance plan documents received by email
Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.
Group Travel Insurance
Quite often groups travel overseas together. The groups could be traveling for varied reasons such as employees on training, groups of tourists holidaying, members of a missionary organization, groups of students attending a sporting or academic event. Since the regular domestic health insurance will usually not cover you outside your home country you can buy cheap Group travel health insurance for visiting Micronesia. The group travel plans are cheaper when compared to individual travel medical insurance. There is usually a discount of about 10% or more in group travel policies when compared to individual visitor health insurance for the same destination.
Embassy of Micronesia in United States
Micronesia Embassy in Washington, DC
1725 N Street, N.W., 20036, Washington, United States
Phone
+1-202-223-4383
Fax
+1-202-223-4391
Email
firstsecretary@fsmembassydc.org
Micronesia Consulate in Hawaii
3049 Ualena Street, Suite 908, 96819, Honolulu, Hawaii, United States
Phone
+1-808-836-4775
Fax
+1-808-836-6896
Email
fsmconsulatehnl@fsmcghnl.com
Annual travel insurance
Best travel insurance Micronesia
Travel medical Insurance for Micronesia FAQ
FAQs about cheap insurance for Micronesia travelers.
Click here to read more »Micronesia Travel medical Insurance Blog
Blog about travel health insurance Micronesia travelers.
Click here to read more »Travel Insurance to Micronesia Forum
Customer Queries for USA travelers to Micronesia travelers.
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