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American travel insurance and Global medical insurance for US citizens

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

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. These plans usually have a restriction on coverage of pre-existing medical conditions for their two plans: INF Elite Network Insurance and INF Advantage Insurance unless it is purchased BEFORE the traveler leaves their home country. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.
While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF Advantage plan ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF Advantage plan is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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Travel insurance for Coronavirus (COVID-19)
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American travel insurance for US citizens overseas

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 American visitor insurance, we have tools and provide information to help you find the best travel insurance for us citizens.
Short term 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 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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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.

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.
insurance for us citizens traveling abroad

Travel insurance for Americans

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.
Trip cancellation insurance

Insuring the cost invested while planning a trip or cruise vacation.


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Travel medical insurance

Coverage for medical expenses related to hospitalization, medical evacuation and repatriation.

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Expatriate insurance

The plans offer comprehensive major medical coverage in all countries.


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Group insurance

Companies send group of five or more employees for a company holiday.


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Senior citizen insurance

US Senior Citizens and pensioners above 65 years require comprehensive health insurance coverage while outside USA as Medicare doesn't offer full coverage outside US national borders.



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Annual travel insurance

These plans are ideal for regular international travelers who make many overseas trips annually. The annual multi-trip 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.

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Trip cancellation insurance and travel insurance for US citizens and US 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.

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.

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

The answer to that question is: Do you really have coverage when you are traveling domestically? The ugly truth of today's world is that our domestic insurance plans seem to cover less and less and are more and more expensive. I can only speak for myself, but in my case, me and my family are covered well only in-state. If we travel out of state, the coverage drops to 70% which, to my mind, is crazy un-safe (but that's just me). So, I have purchased a secondary plan which covers me while I am 100 miles or more away from home. This, thankfully, includes most nearby and frequents out-of-state destinations. Now I feel the family can go skiing out-of-state worry free.

Travel insurance plans for older US travelers with Medicare coverage

 US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Travelling 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.
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Travel health insurance for US senior citizens (65+ years) overseas

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

Globehopper travel insurance for older US travelers

Trip insurance 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 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.
us citizens visting usa
The policies available for use by US citizens or US residents for trips within the US are:
  1. Round Trip Series offered by SevenCorners
  2. iTravel Series offered by International Medical Group (IMG).
The Round Trip Series by SevenCorners is a three-tiered series of plans with good, better, best plan with Round Trip Economy, Round Trip Choice, and Round Trip Elite. There is an additional cost for the number of days which exceed 30 days, but 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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The iTravel Series offered by IMG is also a three-tiered series of plans: Travel Lite, Travel SE, and Travel LX. The Travel SE has a nice benefit that children under 10 are "free" with a paying adult which can make it very affordable for family travel. Note that insuring a trip for $0 to $499 gives the same, lowest rate available for the plans.
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Interesting facts about US international travelers

  • An estimated 39 percent of US travelers were from the Mid-Atlantic States (New York, New Jersey and Pennsylvania), followed by 19 percent from South Atlantic states and 14 percent from the Pacific states.
  • The top ports of departure were New York, Miami, Los Angeles, Newark, Atlanta and Chicago which accounted for over 60 percent of US departures.
  • The main reason for overseas travel accounting for 40 percent of travelers was leisure/recreation/holiday. Visiting family and friends was the second most popular reason at 37 percent.
  • The average length of travel (number of nights) outside the US increased to 18.5 nights in 2009 compared to 18.0 nights in 2008.
  • Top leisure activities for US travelers other than dining in restaurants and shopping were visiting historical places, visiting small towns and villages, sightseeing in cities, visiting cultural heritage sites and touring the countryside.

Travel tips for Americans traveling overseas

Americans visiting a foreign country must seek the appropriate visa from the consulate. The visa application can be submitted at the nearest consulate or embassy office. The processing of visa can take a certain time depending on the country of visit. US citizens are encouraged to submit the application well in advance to their travel dates. Those who are traveling abroad from the US for the first time can easily learn about the food habits, languages, people, culture... onine. It helps to do a little research about the weather, restaurants, sightseeing spots, currency... before leaving the USA.

Americans traveling overseas must be aware that their US domestic health insurance policy rarely travels with them outside the US national borders. International travelers need to buy insurance. Travelers should also be aware of the difference between Travel Insurance and Travel Medical Insurance. Travel insurance will insure the financial investment for the trip which typically includes the cost of lost baggage and cancelled flights. However it may not cover costs for medical expenses that a traveler may incur while abroad.
Travel Medical Insurance on the contrary does cover the costs of medical expenses that the traveler may unexpectedly incur while overseas. Given the high cost of healthcare, proper medical insurance coverage during one's overseas journey is not a luxury but a basic requirement.
Travel medical insurance plans are available as either fixed or comprehensive medical benefit plans. US travelers can choose the type of plan that best fits their needs using the compare tool on our website.

Travel insurance is a great way to protect your investment in travel and/or take care of you and your loved ones while traveling abroad. Many of the domestic US policies will not cover or have limited coverage while abroad. You should definitely check to see what yours will do for you when you travel. The nice part about the travel insurance plans is they are economical and they have literally thought of everything and have experience with just about everything you can imagine. They will not only cover the expenses you may incur in a hospital, but they will also give you a per diem for each day spent in the hospital. Did you know that in some countries, your food is not included in your hospital expense and stay? Also, if you are incapacitated, what about your kids or pets along on the trip? Plans offer an economy fare ticket for someone of your choosing to come to you and get the kids home safely without you. Don't want to be left behind in a foreign hospital? You can arrange for someone of your choosing to come to your bedside until you can return home. Of course, we would rather think about everything going smoothly and well, but a little time and cost can really save the day and help you should you need it!

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Medical evacuation coverage

Travelers who are US residents have more options than other travelers when choosing their health insurance for international travel. There are plans that will cover only health expenses while abroad. You should be aware that many domestic plans will not cover you while outside the US. Or, if you have coverage while abroad, you might want to consider a plan that covers repatriation and emergency medical evacuation. If you want only this type of coverage, you can consider these plans.
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Family travel insurance

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Vacation travel insurance
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Cruise travel insurance

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Honeymoon travel insurance
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Backpacker Travel Insurance
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Individual Travel Insurance
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Trip insurance 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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