International travel insurance for US citizens, Travel insurance for Americans

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Traveler's residence
Travelers (Age)
Trip cost($)/person

Destination
Trip start date
Trip end date

Travel insurance for U.S. citizens with trip cancellation coverage - Highlights

airplanemode_inactive

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

work_history

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

luggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

home_health

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 cancellation coverage - Highlights

medical_services

Health care expenses

Covers medical costs for sickness or accidents during travel.

person

Doctor visit

Covers cost of clinic or doctor visit.

medication

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

procedure

Repat of remains

Return of moral remains to home country or local burial.

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Best travel insurance for US Citizen

What is the best American travel insurance?

Traveling on a hard earned vacation to a dream destinatin can be expensive. Planning the details of a vacation, booking the airline, cruise and hotel tickets involve both time and money.

Ensure that your well deserved vacation or even your business travel is not wrecked by unforeseen adverse circumstances by purchasing proper travel insurance. At AmericanVisitorInsurance, we have tools and provide information to help you find the best travel insurance for USA citizens.

US citizen vacation travel insurance

The plans offered here provide coverage for medical expenses related to hospitalization, medical evacuation and repatriation. Thanks to the adventurous nature of Americans and recently to the strength of the US Dollar, there has been a huge increase in the number of Americans traveling overseas. Over 72.5 million US travelers went overseas in 2016.

The top five destinations are: Mexico (27 million), Canada (12.9 million), the Europe (12.5 million). Within Europe United Kingdom, France, Italy and Spain are the most popular.

Travel medical insurance for US citizens popularly known as visitors health insurance plans are designed to insure the health of the traveler for any sickness or accidents.

However recent trends indicate that while travel to traditional destinations of Canada, Mexico and Europe have remained steady, new destinations such as India, China, South Korea, Dubai, Israel, regions in Central and South America have found favor with US travelers. Here is an article which says in detail how to insure your trip expenses.

Do I need American traveler insurance with 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:
  1. Non refundable cost of the trip.
  2. Unexpected medical expenses of the traveler.
  3. Loss or damage to the insured’s possessions.

Following are the best trip insurance plans:

What is the best travel insurance with theft gear coverage?

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.

Which is best trip cancellation insurance for adventure activities?

The iTravelInsured Travel Sport plan is designed for adventure seekers, offering travel insurance for expeditions, tours, and vacations. It covers adventure, extreme, and hazardous sports, as well as organized intramural and interscholastic sports, with trip cost protection of up to $100,000.

iTravelInsured Sport

Which travel insurance provides good medical evacuation coverage?

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.

What is the American travel insurance for canceled flights?

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.

Which is the best trip cancellation insurance for international trips?

Safe Travels Protect trip cancellation insurance is ideal for US residents and citizens traveling within USA and abroad.

Safe Travels Protect Insurance

  • Cheapest trip cancellation insurance for US residents
  • Offers trip cancellation coverage up to $14,000.
  • Primary emergency accident and sickness medical coverage up to $25,000
  • Maximum trip length is 90 days and covers up to age 85.
  • Plan is available up to 18 months in advance of departure.
  • 14 Day free look period is available
  • Safe Travels Protect insurance cost for a 40 year old traveler starts from $43 for 15 days trip duration with $1500 trip cost.
  • airplanemode_inactive

    Trip Interruption
    Up to 100% of Insured Trip Cost

  • work_history

    Trip delay
    $300 ($100 per day) 12 hours

  • airplanemode_inactive

    Missed Connection
    $250 (12 Hours Delay)

  • luggage

    Baggage Coverage
    $500 ($100 per article, 50% special items)

What does trip cancellation insurance cover?

Welcome to American Visitor Insurance where we help people from nearly anywhere as they travel away from home! It can be useful to consider purchasing an insurance plan to cover trip cancellation. In that way, if something happens between the time you pay for your trip and the departure date which doesn’t allow you to actually take your trip, you can get a refund for your non-reimbursable deposits and costs associated with the trip.

The cost of such insurance is less dependent on the length of the trip (although most have maximum day limits) and more dependent on the cost of the trip you are insuring. There are plans available for very high cost trips (exceeding $10,000 per person), such as safaris, long cruises, etc. as well as plans for more modestly priced trips. Benefits are usually 100% of non-refundable trip costs. These benefits are often reduced to 75% for the ‘Cancel for any Reason’ benefit. These policies are very complete and well thought out.

If you do go on your trip, the policy will cover you for unexpected medical expenses and you will also have a trip interruption benefit if you should not be able to complete your trip for some reason (illness, weather, etc). In the case of the trip interruption benefit, the cost you insured for will come into play. There will be trip delay, if you miss a flight or connection, and help to catch your cruise if necessary. Also, the coverage for baggage loss is good and they have even thought of helping you get your pet or children taken care of if they accompany you on your travels.

How to estimate trip cost for travel insurance?

Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss. For example, when I booked a trip to Europe some time back over a summer, I prepaid for all our hotels.

The refund policy was only 10%, so I could have insured 90% of the cost in that case. You must look carefully for the refund policy of all pre-paid costs associated with your trip in order to get this amount correct. AirBnB are not consistent across the same city, so you will have to assess this individually for each part of your trip. While some plans allow you to put down a total trip cost or an average trip cost per person, some will want you to be specific for each traveler. Make sure you keep track of costs accurately again to keep the cost of the insurance down and your refund as accurate as possible.

Technically, you can insure for any portion of the trip that you want. However, in order to get some benefits, some plans require that you insure all of your pre-paid, non-refundable expenses (such as the waiver for the pre-existing condition exclusion, ‘cancel for any reason’ benefit, or cancel for any work reason benefit).

When can I buy the trip cancellation plan?

You can buy it at any time before your travel dates, however, since you are insuring the value of your trip, the sooner the better in case something happens to interfere with your travel. For example, maybe you’ve planned a trip for next October. Then, you find out that you will be required to be in court at that time.

If you haven’t already purchased your trip cancellation plan, you will not be able to get the refund since you already know about this conflict. Furthermore, you always get a 10 day ‘look free’ period after you purchase your plan which gives you a few days to make sure you got the product that you really want.

Does trip insurance cover pre-existing conditions?

Many plans will cover pre-existing medical conditions (that is, they will waive the exclusion of pre-existing medical conditions) if you purchase your policy within a certain number of days of the initial trip deposit. In that case, for older travelers or those with such conditions, it is advantageous to get the policy within their deadline to get the additional peace of mind of more complete medical coverage should something happen.

Of course, we hope that you get to go on your trip without a hitch and that you stay happy and healthy though your trip, but these policies offer you some peace of mind, that even if things go wrong; from the minor inconvenience of missing a connecting flight to the major headache of trying to find appropriate medical care in an unfamiliar country or finding you are not able to take your vacation as planned in the first place, you will be taken care of by companies that have experience and the ability to work abroad. Let us help you find the right plan for your situation at American Visitor Insurance!

Best trip cancellation insurance for US seniors

Welcome to American Visitor Insurance! We are glad you found your way here. We are dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji. We offer policies for pretty much anyone traveling nearly anywhere! If you are an older US resident planning a trip (up to 99 years), we have a relatively new policy that you should consider. IMG has been in the travel insurance business for many years with travel and trip insurance products for all travelers.

Their latest trip cancellation plan is called iTravelInsured Choice Insurance. It is economically priced for trips that cost less than $10,000 per person (their other products can insure more expensive trips). While trip cancellation plans are often pricey, if you are an older traveler, they actually offer very competitive rates and often have much higher medical maximums and lower deductibles than straight travel insurance plans. Technically, you are not required to insure all of your trip or all your pre-paid non-refundable expenses. Minimum trip cost that can be insured is $500.

The most you insure for should be the total pre-paid, non-refundable portion of your trip cost. You will have to show your loss to get this benefit paid to you. Furthermore, if you go on your trip, this policy will provide coverage up to $100,000 for medical expenses as well as emergency medical evacuation of $500,000. There is no deductible on this plan. Also covered is baggage loss or delay, trip delay and trip interruption.

The reimbursement for the trip interruption benefit will be the proportion of remaining trip multiplied by the insured amount of the policy. The policy will also help with lost or stolen passports, credit cards, and personal items.

If you are looking to insure a trip outside the US and are dismayed at the low maximums available and high costs, particularly if you are over 80 years of age, we recommend having a look and thinking about choosing a trip cancellation plan like iTravelInsured Choice Insurance offered by IMG. It may give you a better rate and higher maximum than a plain travel insurance plan that does not include a trip cancellation benefit.

Best trip cancellation travel insurance for Seniors

What if I need to be airlifted off of the ship?

Welcome to American Visitor Insurance! We are glad you found your way here. We are dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji. We offer policies for pretty much anyone traveling nearly anywhere! If you are an older US resident planning a trip (up to 99 years), we have a relatively new policy that you should consider. IMG has been in the travel insurance business for many years with travel and trip insurance products for all travelers.

The plans offer a benefit called emergency medical evacuation. This benefit can move you from your cruise ship to the closest hospital that can attend you. It can also move you between hospitals if your current hospital cannot accommodate your needs. Also, it can move you to a hospital close to your home if a physician deems it necessary.

What are the benefits of trip cancellation and international travel health insurance for US citizens and residents?

Another option is to purchase trip or travel insurance which will reimburse you for cost of the trip should you have to cancel or interrupt your trip. These policies are only available to US residents (you do not necessarily have to be a US citizen, a US address will do). These policies, if you go on your trip as expected, also cover any sudden medical expenses that should arise.

These policies are well thought out for travelers with reunion costs; costs for dependent children should they need an escort home; lost baggage and connections, etc. These can be an excellent way to protect the investment you make on a trip. Compare Best Trip Cancellation Insurance and buy a plan to protect your trip investment expenses.

Do Americans need Long term Europe visa insurance?

US citizens are rarely required to buy insurance while they travel abroad. However, for Americans who wish to stay in Europe for a longer stay, they have requirements similar to other citizens for "Schengen visas". One requirements for being issued a Schengen long term visa is to have proper health insurance in Europe. These travel insurance plans are very affordable and can be purchased easily once you choose the one that's right for you. Compare Popular travel health insurance plans for long term Europe Visa.

What are the best trip insurance options for US citizens traveling within the United States?

Many of us have limited medical insurance which includes high deductibles and coinsurance rates. This is particularly true when we travel even if within the US but outside our home state. It is therefore important to buy trip insurance even when traveling within the US. At American Visitor Insurance, we also offer trip insurance for US citizens traveling within the United States.

These short-term trip insurance plans can be bought for trips up to 30 days and will cover the travelers while they are away from home

visitors insurance us citizens visiting america
on a designated trip. Travelers can insure the cost of our trip, which includes the cost of a airline ticket, a cruise, hotels, or any other non-reimbursable costs of a trip, or we can keep this coverage to a minimum ($50 to $100 per person) and get coverage mainly for the medical benefits while on the trip.

These trip insurance plans are designed for travelers with coverage for trip interruption, taking care of children, pets, and travel companions while traveling. They can provide peace of mind while traveling within the country or even to a different country! You can use our TRIP QUOTE COMPARE ENGINE to compare trip insurance plans.

These plans insure you in three ways:
  1. Cost of your trip,
  2. Unexpected medical expenses while on the trip
  3. Loss or damage to your possessions.
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Cost of travel insurance factors

Factors to consider while buying travel insurance.

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Factors to cost

Travel insurance cost calculator

Travel Insurance cost calculator, Trip cost calculator

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Visa free travel countries for US citizens

Best Trip cancellation insurance for USA

Is it worth buying trip cancellation insurance?

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 USA 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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US citizen travel insurance reviews

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What are the types of travel insurance?

flight

Single Trip Travel Insurance

Compare and buy best US Single trip insurance for travel within the US and overseas

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balance

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

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Do US expatriates need health 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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elderly_woman

Travel insurance for US senior citizens

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ecg_heart

Travel Insurance for Acute onset of pre-existing conditions

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What are the best travel insurance for U.S. citizens?

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.
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Long term visitor 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.
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Long-term travel medical insurance

Which is the best travel insurance for U.S. seniors with Medicare coverage?

Does Medicare cover medical costs for US citizens

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.

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Travel Insurance USA, Travel insurance in USA for foreigners - FAQ's

1. How much is international travel health insurance?

For those who are looking for long term Global medical insurance coverage, or International health insurance (as opposed to short term travel medical insurance), these must be purchased annually but can be paid for monthly, semi-annually, biannually or annually. The annual option will be the most cost-effective. An annual plan which includes coverage in the US for a person aged 35 can cost from $942 per year for a fixed plan with a $1 million maximum to $1700 for a comprehensive plan with a $5 million maximum and both with a $1000 deductible.

A person who does not need coverage in the US, can pay either $706 or $1274 for those same plans. Coverage which would include maternity costs would be as low as $2100 for outside the US or $3087. Remember that the application process for these plans does require an extensive questionnaire about medical history and is not guaranteed like other short term plans available

2. Can US citizens get travel insurance in the USA?

Yes, U.S. citizens can get travel insurance in the to cover their trips both domestically and internationally. Travel insurance provides financial protection against unexpected events such as trip cancellations, medical emergencies, travel delays, or lost luggage. For international travel, U.S. citizens can buy plans that include emergency medical coverage, medical evacuation, and trip interruption benefits. For domestic trips, travel insurance can cover non-refundable costs and provide assistance during emergencies.

3. What countries accept US Medicare?

US medicare does not provide coverage outside of the US. "Outside of the US" includes outside of the all 50 States, the District of Columbia, Puerto Rico, the US Virgin Islands, Guam, American Samoa and Northern Mariana islands. There are some exceptions which can allow the coverage outside the US through Medicare Part A and Part B.

  • If you are in the US and at the time of the medical emergency, if foreign hospital is closer than the nearest US hospital, that can treat you.
  • If you live in the US, foreign hospitals are closer to home than the nearest US hospitals, regardless of emergency.
  • You are traveling through Canada without unreasonable delay by the most direct route between Alaska and another state and when a medical emergency occurs, the Canadian hospital is closer than the US hospital. Medicare handles "without unreasonable delay" on a case by case basis.

Given this limitation, international travel insurance is very highly recommended. US citizens traveling overseas can Compare International travel insurance plans on AmericanVisitorInsurance and buy it online easily without the need for any medical tests and paperwork.

4. What is international travel insurance?

International travel insurance is insurance coverage when an individual travels outside their home country. US citizens travel outside of the US for various reasons like a vacation, education, work, research and other purposes. The US domestic health insurance and Medicare will not provide any coverage outside of the US on such occasions.

These travel insurance plans cover unexpected sickness and injury and emergency cases including medical emergencies, hospitalization, repatriation, loss of luggage and delay, trip interruption, trip cancellation... This way they can be covered for the unexpected expenses and spend their time in the foreign country without experiencing trouble due to these incidents.

5. What is expat insurance and do Expats need travel insurance?

Living or residing outside the United States, as a US citizen you will need the best expat health insurance plan. The US health insurance plan may not provide sufficient coverage in most foreign countries, it is not possible to immediately enrol in their local health insurance. Therefore an expat international health insurance plan can provide a worldwide comprehensive nature of coverage. Expats require long term medical coverage and they need coverage for preventive care, emergency medical treatment.

The global worldwide coverage plans with regional medical coverage provide coverage for repatriation, trip interruption, trip cancellation and other services mentioned above and much more. Choosing the plan as per the requirement is the most essential part of the search for the right plan.

Expats do need international travel insurance to cover their emergency and necessary medical needs while living overseas. US citizens traveling overseas can Compare Global Expat insurance plans on AmericanVisitorInsurance and buy it online.

6. What is the best travel insurance for Americans traveling abroad?

The best travel medical insurance for Americans traveling abroad is Voyager Choice by GeoBlue. It's a single-trip medical plan that require you to have primary health insurance, and it provides coverage for pre-existing medical conditions.

7. What are the best Expat health insurance plans?

Expat international health insurance policies include worldwide coverage and are comprehensive in nature. They cover emergency medical treatment, repatriation, hospitalization, trip interruption, trip cancellation, loss of luggage, preventive care, maternity, pregnancy and many other benefits which are additional to the benefits provided by a travel insurance plan.

Some of the best expat insurance plans are:

8. What is the best travel insurance for american citizens traveling out?

The travel insurance plans that are available for the US citizens traveling outside their home country provide coverage for emergency medical treatment, repatriation, hospitalization, lost luggage coverage, trip cancellation, trip interruption and many other benefits. Here are some popular plans for US citizens traveling outside of the US:

US citizens traveling overseas can Compare International travel insurance plans on AmericanVisitorInsurance and buy it online without any delay or need for medical tests and paperwork.

Required Travel Insurance for Going Abroad

Best travel insurance cost per month for Americans

  • Patriot America Plus Insurance

    Coverage range

    $50,000 - $1,000,000

    Price range
    $96 - $177
    • Available for Non US citizens traveling to the USA.
    • US citizens living abroad can buy this plan for visiting the US for short while.
    • Green card holders who live outside the US can purchase this plan.
    • Available for groups of five or more people traveling to the USA with 5% discount.
    • Covers Acute on set of pre-existing conditions up to 70 years.
    • US citizen needing insurance for return to US before they get onto Medicare.
    description Plan Details picture_as_pdf Brochure

    Diplomat America Insurance

    Coverage range

    $50,000 - $1,000,000

    Price range
    $155 - $266
    • This plan is for Non Us citizens and Non US residents visiting the US.
    • Pre-existing conditions are covered after 24 months waiting period.
    • Has an extensive sports rider for collegiate sports as well as adventure sports.
    • US citizens living abroad can buy this plan for visiting the US for short while.
    • ideal study abroad, work study programs, international exchange students and church or missionary travelers.
    • Minimum enrolment for this plan is 15 days.

    Patriot America Lite Insurance

    Coverage range

    $50,000 - $1,000,000

    Price range
    $95 - $177
    • Available for Non US citizens traveling to the USA.
    • US citizens living abroad can buy this plan for visiting the US for short while.
    • Green card holders who live outside the US can purchase this plan
    • Available for groups of five or more people traveling to the USA with 5% discount.
    • US citizen needing insurance for return to US before they get onto Medicare.

    Visitors Protect Insurance

    Coverage range

    $50,000 - $150,000

    Price range
    $496 - $744
    • Available for Non US citizens traveling to the USA.
    • US citizens living abroad can buy this plan for visiting the US for short while.
    • This plan covers pre existing conditions up to 99 years, 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.
    • Coverage from 90 days to 12 months.
  • Intermedical Insurance

    Coverage range

    $50,000 - $150,000

    Price range
    $87 - $102
    • Intermedical plan is for people traveling outside the US and outside their home country.
    • The coverage has a minimum purchase for 5 days and up to 364 days.
    • Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.

    Voyager choice Insurance

    Coverage range

    $50,000 - $1,000,000

    Price range
    $82 - $102
    • Applicant's home country must be the US.
    • Covers pre-existing conditions for medical services and medical evacuation, for individuals with a current U.S. health plan.
    • US primary health plan required.

    Voyager Essential Insurance

    Coverage range

    $50,000 - $1,000,000

    Price range
    $72 - $82
    • Applicant's home country must be the US.
    • Pre-existing conditions are covered with a 180-day exclusion.
    • Does not require a primary health plan.

    Safe Travels Outbound Insurance

    Coverage range

    $50,000 - $500,000

    Price range
    $100 - $108
    • This policy is available for US citizens and US residents traveling outside of the US.
    • Pre-existing conditions covered with 6 months look back period
    • Coverage for a maximum of 180 days
    • Primary coverage

    Atlas International Insurance

    Coverage range

    $50,000 - $1,000,000

    Price range
    $68 - $109
    • Available for Non US citizens and US citizens traveling outside their home country.
    • Covers complications of pregnancy in the first 26 weeks of gestation.
    • There is an additional coverage available for adventure sports as well on this plan.
    • This plan meets Schengen Visa requirements or Europe Long Term visa requirements.
    • Available for groups of five or more people traveling outside their home country.
    description Plan Details picture_as_pdf Brochures

    Patriot International Lite Insurance

    Coverage range

    $50,000 - $2,000,000

    Price range
    $69 - $93
    • Available for Non US citizens and US citizens traveling outside their home country.
    • Decent coverage of acute onset of pre-existing conditions up to maximum limit up to 60 years for US citizens with primary health coverage.
    • This plan can be renewed for up to 2 years.
    • This plan meets Schengen Visa requirements or Europe Long Term visa requirements.
    • Available for groups of five or more people traveling to the USA with 5% discount.
    description Plan Details picture_as_pdf Brochures

    Diplomat International Insurance

    Coverage range

    $50,000 - $1,000,000

    Price range
    $117 - $161
    • Available for Non US citizens and US citizens traveling outside their home country.
    • Decent coverage of acute onset of pre-existing conditions up to maximum limit up to 60 years for US citizens with primary health coverage.
    • This plan can be renewed for up to 2 years.
    • This plan meets Schengen Visa requirements or Europe Long Term visa requirements.
    • Available for groups of five or more people traveling to the USA with 5% discount.

    Diplomat Longterm Insurance

    Coverage range

    $500,000 - $1,000,000

    Price range
    $414 - $464
    • ideal study abroad, work study programs, international exchange students and church or missionary travelers.
    • Optional Athletic & Hazardous Activity Benefit Available.
    • Optional War Risk Coverage Available outside the USA.
    • Covers Unexpected recurrence of a pre-existing condition up to $20,000; ($2,500 for age 65 and older)(US Citizens only).
  • iTravelInsured Travel Lite Insurance

    • Allows domestic and overseas trips.
    • A cheaper option with lower medical coverage for travel to places with cheaper healthcare costs (up to $100,000 only).
    • Pre-existing condition review period: 60 days.
    • Inexpensive coverage for trip cancellation & interruption.

    iTravelInsured Travel SE Insurance

    • Available for US Residents on domestic and worldwide trips.
    • Covers trip cancellation up to $100K of trip Cost.
    • Rental car damage, theft and includes loss of coverage.
    • Pre-Existing Condition Exclusion Waiver: Yes, within 20 days of initial trip deposit.

    iTravelInsured Travel LX Insurance

    • Allows domestic and overseas trips.
    • Covers trip cancellation up to $100K of trip cost.
    • Covers Optional Cancel for any reason.
    • Trip Interruption for any reason.
    • Search and Rescue benefit of $10,000.
    • Political, Security, or Natural Disaster Evacuation of $50,000.

    Safe Travels Voyager Insurance

    • $1 million for emergency evacuation and $1 million for repatriation.
    • 12 days of coverage for trip delay $250 per day which can be increased to $300 or $500 with additional fee.
    • Cannot be used for domestic US travel.

    SafeTravels Armor Insurance

    • Trip cancellation up to $15k for domestic and overseas trips.
    • Optional Cancel for Any reason and Rental car damage riders are available .
    • Coverage for Pre-Existing conditions on plans purchased within 14 days of initial deposit.
    • Up to $100K of Primary Medical coverage.
    • 14 Day Free Look Period.

    Safe Travels Rental Plus Insurance

    • Vacation rental coverage for trip cancellation, trip interruption, trip delay and emergency medical.
    • Optional - Cancel for Any Reason (CFAR) available in all states except NY. Not available for travel to or including Israel.
    • Pre-Existing Coverage on plans purchased within 21 days of initial deposit.
    • Rental Car damage is covered for up to $25k.
    • 15 days free look period.

    Safe Travels Flex Insurance

    • Eligible to U.S. residents/citizens up to the age of 69 traveling for up to 30 days in length.
    • Customizable coverage! Build your own plan.
    • Optional Cancel for Any Reason (CFAR) available in all states except NY. Not available for travel to or including Israel.
    • 10 Day Free Look Period.
    • Rental Car damage is covered for up to $50k.

    Trip Protector Preferred Insurance

    • Only for overseas trips, cannot be used for domestic travel.
    • Trip cancellation up to $50K/Trip interruption up to 200% of trip cost.
    • Offers $500K medical for sickness and injury/$1M medical transportation.

    Trip Protection Elite Insurance

    • Trip Insurance for residents of Missouri, New York, Pennsylvania and Washington to USA.
    • Covers trip cancellation up to 100% of your non-refundable Trip Cost up to $30,000.
    • The extra rider Cancel for Any Reason (CFAR) should be purchased within 15 days of the initial trip deposit date.

    Trip Protection Choice Insurance

    • Allows domestic and overseas trips.
    • Covers trip cancellation 100% of trip cost up to $100K.
    • Covers Optional Cancel for any reason within 15 days of the initial trip deposit date.
    • Event Ticket Registration Fee Protection up to $15,000.

What are the factors that determine the cost of US travel insurance plans?

The cost of international travel health insurance for US citizens depends on the following:

  • Age of the traveler: The older the traveler, the more expensive will be the cost of travel insurance.
  • Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
  • Medical maximum coverage and deductible options: The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to 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

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US citizens traveling overseas from the USA

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Trip Cancellation insurance

Trip cancellation insurance plans insure both the health of the traveler as well as the cost of non-refundable trip expenses should the trip get cancelled or is interrupted.

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Older US travelers on Medicare

Older US travelers on Medicare have limited health insurance coverage while outside the US. Good US citizens travel health insurance is very important in this situation.

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US Students abroad

Good student medical insurance is important while outside the USA. US students overseas should buy good US student health insurance while studying overseas.

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Travel insurance for Senior Citizens

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Senior Citizen Travel Insurance

Best travel insurance for seniors.

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Pre-existing conditions for Senior Citizens

Compare and buy best pre-existing plans for senior citizens.

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Annual travel insurance for Senior Citizens

Best Annual travel medical insurance for senior citizens traveling to USA.

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What is the best over 65 travel health insurance for US seniors?

Globehopper insurance offered by International Medical Group (IMG) is a travel health insurance plan specifically designed for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days, or as the GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old.

Europe Travel Insurance

The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation.

Overseas travel insurance for US residents

How do I buy the 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.

trip cancellation insurance for cruise
Vacationers can shield themselves best by purchasing the Cancel for any reason insurance benefit. This gives the flexibility of cancellation the cruise vacation for any reason, and the traveler can get reimbursed up to 75% of the non-refundable trip expenses. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
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What are the best insurance plans for Cruise travelers?

Itravelinsured Choice

  • Ideal for those looking for a cheap and budget-friendly cruise insurance.
  • The minimum trip cost is $500, and the maximum trip cost is $10,000.
  • Maximum trip length is 180 days and coverage up to 99 years.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Missing the boat is covered up to $500 per person.
  • Pre-existing condition waiver is available if purchased within 21 days of the initial trip payment.
  • Offers coverage for emergency accident and sickness medical expenses up to $100,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan
    Primary

  • luggage

    Baggage Delay
    $300

  • medical_services

    Medical Evacuation
    $500,000

  • work_history

    Trip delay coverage
    Up to $150 per day per person ($1,000 max per person)

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Itravelinsured LX

  • For elite luxury travelers taking expensive vacations and adventure trips to exotic locations worldwide.
  • The minimum trip cost is $500, and the maximum trip cost is $150,000.
  • Coverage up to 99 years and Maximum trip length is 180 days.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Missing the boat is covered up to $500 per person.
  • Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Pre-Existing Condition Exclusion Waiver is covered if purchased within 24 hours of the final trip payment.
  • Offers coverage for emergency accident and sickness medical expenses up to $500,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan
    Primary

  • luggage

    Baggage Delay
    $500

  • medical_services

    Medical Evacuation
    $100,000

  • work_history

    Trip delay coverage
    Up to $250 per day per person ($2,500 max per person)

  • shopping_cartBuy Now

Safe Travels Voyager

  • Ideal for first class travellers taking expensive vacations.
  • Covers trips up to 180 days for travelers up to age 99.
  • Maximum trip cost is available up to $100,000.
  • Missing the boat is covered up to $1,000.
  • Cancelling your cruise covered up to $100,000.
  • Optional pre-existing condition coverage included within 21 days of deposit.
  • Cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Offers coverage for emergency accident and sickness medical expenses up to $250,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan
    Primary

  • luggage

    Baggage Delay
    $600 (8 hours or more)

  • medical_services

    Medical Evacuation
    $1,000,000

  • work_history

    Trip delay coverage
    $3,000 ($250 per day for delays of 6 hours or more)

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Trip Protection Basic

  • Ideal for budget-conscious travelers.
  • Maximum trip length is 180 days and coverage up to 99 years.
  • Maximum trip cost is available up to $30,000.
  • Missing the boat is covered up to $250 per day up to $500.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Offers coverage for emergency accident and sickness medical expenses up to $100,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan
    Secondary

  • luggage

    Baggage and Personal Effects
    $500

  • medical_services

    Medical Evacuation
    $250,000

  • work_history

    Trip delay coverage
    $200 per day per person(Up to a maximum of $600)

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Seven Corners Cruise Insurance

  • Cheapest cruise insurance for US residents taking domestic or international trips.
  • Trip Inconvenience (Cruise Diversion & Disablement) covers $250 per event, up to $500.
  • Minimum trip cost is $100 and maximum trip cost is available up to $30,000.
  • Covers trips up to 30 days and travelers up to 99 years old.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Missing the boat is covered up to $250 per day up to $1,500.
  • Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
  • Offers coverage for emergency accident and sickness medical expenses up to $250,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • description

    Coverage Type of Plan
    Secondary

  • luggage

    Baggage Delay
    $100 per day up to $500

  • medical_services

    Medical Evacuation
    $500,000

  • heart_plus

    Pre-existing Condition Waiver
    Covered

  • work_history

    Trip delay coverage
    $250 per day up to $1,000

  • shopping_cartBuy Now

How do I buy travel insurance for US residents online?

1: Finding the available international travel 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 travel 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 insurance plan documents received by email

Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.

Step by step travel insurance

What are the best travel insurance for seniors visiting popular destinations?

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Senior Citizen travel to Canada

International travel insurance for seniors to Canada.

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Senior Citizen travel to India

International travel insurance for seniors to India.

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Senior Citizen travel to Europe

International travel insurance for seniors to Europe.

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Senior Citizen travel to Mexico

Compare Travel Insurance for Senior citizens, Travel insurance Mexico for Seniors.

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Travel insurance for Canadians to Caribbean

Senior Citizen travel to Caribbean

Best travel insurance for seniors for the Caribbean.

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Travel insurance for USA, US travel medical insurance

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US citizens visiting USA

Travel insurance for US citizens living abroad and visiting the US for a short visit

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Foreign nationals visiting USA

Travel insurance for tourists and foreign nationals on other non-immigrant visas visiting the United states

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Is it worth buying Annual travel insurance?

Compare and buy Travel insurance for Annual multitrip
These plans are ideal for regular travelers who make many overseas trips annually. The Annual multi-trip insurance for traveling to USA plans provide coverage for a whole year, while having a maximum limit for the length of each international trip. Business travelers find the annual trip plans very useful and price effective, as opposed to buying insurance for each of their overseas trips. One of the requirement is that the traveler must have primary health insurance in the home country
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Trip Cancellation Insurance vs Travel Medical Insurance

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Compare Safe Travels Outbound vs Cost Saver from Trawick International

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What are the famous destinations in USA?

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