Travel insurance for US citizens visiting the USA

Compare travel medical insurance for US citizens visiting USA

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Patriot Platinum

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Diplomat America

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Patriot America Plus

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Compare and buy Travel insurance for Annual multitrip

Annual travel insurance (Multi trip insurance)

Annual multi trip international travel insurance plans are ideal for businessmen and regular overseas travelers as there is no need to buy an insurance plan every time you travel and are cheaper than buying several single trip travel insurance plans. These plans provide coverage for a whole year, however there is a limit for each trip which is either 30, 45 or 70 days depending on the plan chosen.

Annual travel insurance (Multi trip insurance) for travel within USA

Travel Insure - Voyager Annual insurance

Voyager annual travel insurance plan is specifically designed for U.S. citizens or permanent residents who travel frequently for business or pleasure. Enroll just once a year and enjoy peace of mind knowing you have dependable medical coverage and assistance whenever you travel more than 100 miles from home. Go anywhere in the world, as often as you like, up to 90 days at a time during the year with Voyager Insurance.
  • Take an unlimited number of Covered Trips during the 364 day Policy period
  • Covers domestic and international trips - up to 90 days each
  • Offers two plan levels namely Silver and Gold offer options for different needs and budgets
  • Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
  • The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation
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Annual travel insurance for travel outside USA - Annual travel insurance for US Business travelers

Business travelers and working professionals from USA travel abroad frequently, it is important to have proper annual travel insurance. The US frequent travelers can compare and purchase annual multi trip international travel insurance plan which covers them for the whole year.
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Importance of American traveler insurance

Traveling long distances has many unexpected and accidental incidents that need to be taken care in a professional manner in order to have an enjoyable experience. US travel Insurance very important while traveling which takes care of medical expenses due to sudden sickness or injury. In the US healthcare is closely linked to insurance coverage. US travel insurance providers have preferred provider networks and the hospital billing is much lower for insured patients when compared to uninsured patients. Having the best US traveler insurance reduces hospital bill along with paying for the outrageous cost of healthcare in the US.

US travel insurance plans can also insure trip expenses along with insuring the health of the traveler. Trip cancellation Insurance cover trip cancellation, trip interruption, travel delay, loss of luggage, baggage delay... Cancel for any reason travel insurance is an additional benefit available which will refund 75% of the trip cost in case of trip cancellation if the traveler cancels the trip for any reason. These benefits are very useful for traveler who are not sure of their travel schedules so that they should do not need to lose their travel investment if they do not travel.

Factors to consider

While buying Travel Insurance

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While buying Travel Medical Insurance

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American traveler insurance including trip cancellation coverage

US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip 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) travel insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. Travel 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 trip insurance plans:
Resources for US air travelers

Information about US mobile passport control and TSA pre check for US passport holders.

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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.

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cruise ship

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. Vacationers can shield themselves best by purchasing the Cancel for any reason travel 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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Travel health insurance for US citizens visiting USA

US citizen travel insurance

Travel Insurance for US citizens traveling to USA

Normally, insurers do not want to cover US citizens in the US because laws regarding domestic coverage are completely different than those which only cover short term travelers. If you are a US citizen, most policies will have you enter the US as your "home" country.

If the US is your home country, then you will not be eligible for coverage in the US. However, two companies namely International Medical Group (IMG) allow you to distinguish your "residence" country from your "destination" country while still entering your country of citizenship as US.

US Citizens visiting USA insurance
  • These plans offered by IMG are: Patriot America Lite, Patriot America Plus and Patriot Platinum America.
  • The Patriot America Plus plan is particularly good for persons under 70 years of age with pre-existing medical conditions that could become an unexpected emergency during their travels. This plan offers coverage up to the maximum of the plan for what is called "acute onset" of a pre-existing medical condition up to the maximum purchased for the plan. However, for persons over 70 or without such pre-existing medical conditions, the Patriot America plan has a greater option of maximums with better pricing.
International Medical Group (IMG):
  • Patriot America Lite and Patriot America Plus are available for applicants currently residing outside US, must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Patriot Platinum America insurance offers high end coverage for US citizens travelers seeking exclusive medical coverage. It is available for US citizens currently residing outside US, must have resided outside US continuously for the past 6 months and must have a current health plan in force.

Flu Shot Coverage in Travel insurance

Flu shot is a preventive care which is taken annually or as prescribed by the Physician. Flu shots act as preventive care before a person contracts influenza (flu). Most insurance providers do not cover preventive care in the travel insurance policy. Unless mentioned in the policy documents.

I have a travel insurance policy, is the flu shot covered in it?

Flu shot is preventive care hence it is not covered automatically if there is an existing travel insurance policy active, unless mentioned in the policy documents. Travelers can check with the insurance providers for more clarity.

I Am travelling for a week and if I get the flu during my travel will I be covered for the flu?

As long as travelers contract the flu after the inception date of the policy then it will be covered as a fresh illness. Any Flu which has been there prior to the start date of the travel insurance policy may not be covered.

US travel insurance for US citizens visiting USA

Are you a US citizen and living outside the United States? You might be in a conundrum as well as medical insurance coverage when you are visiting the US? This is because travel insurance plans or health medical insurance plans that are usually meant to cover people traveling outside their home country. In this context, one assumes that US citizens live in the United States.

Therefore we see the brochure has the eligibility wording stating "US citizens traveling outside US" or "Non US citizens coming to the US or any other country"... This sadly excludes US citizens who live overseas and want to visit the US. However as we know well, there are many US citizens who live, work or study overseas.

US citizens viviting USA

They visit the US for a short period of time during holidays, Christmas, Thanksgiving, vacation, visiting family and friends…and at the end of the short period of time they go back to the country that they live in. Some travel insurance companies assume that US is the home country for US citizens regardless of where they live.

The insurance plans offered by these companies do not satisfy the need of US citizens visiting the US. In this situation even US domestic health insurance companies do not help as they offer short term insurance only for US residents and for longer time periods like 3 months, 6 months, 1 year or 2 years.

However there are some popular US travel insurance plans that offer best medical insurance for USA citizen visiting to USA for a short term. These plans are available to them as long as they are temporarily visiting US and are returning to their home country outside the US.

Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

Patriot America Plus and Patriot Platinum America can be used by US citizens as long as they maintain a residence outside the US and are visiting the country for a short visit. The Patriot America Plus insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.

The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. There is a sports rider that can be added for additional cost to cover skiing, snorkeling, surfing, and other common recreational sports. Persons under 70 years of age can get up to $1 million maximum coverage. The Patriot America plans also provide coverage for COVID19!

Travel medical insurance for Puerto Ricans visiting mainland United States

Most residents of Puerto Rico are US citizens, and as US citizens traveling to the US, the available insurance options are extremely limited. One of the best available option is the Round Trip Series offered by Seven Corners. The Round Trip Series offers three levels of coverage: Basic and Choice.

Puerto Ricans can insure trips abroad as well as away from home in the US. The Round Trip insurance covers travelers while on the trip as well as protection for a set amount of non-reimbursed expenses for your trip. Puerto Ricans can choose a low amount to insure if the primarily need is for health coverage during the trip. The Round Trip plan also have pre-existing condition coverage; please see the details for each level of the plan. You can compare the Seven Corners Round Trip plans here.

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Trip Cancellation insurance

Trip Cancellation Insurance for U.S. Citizens and Residents

Trip Cancellation Insurance protects your trip investment expenses against trip cancellation. A trip or a vacation involves a lot of planning and cost of bookings for flights, hotel reservations, cruise cost… Should something happen that you need to cancel the trip leading to financial crisis. Some bookings and reservations may not be refundable that’s when a Trip cancellation will protect your expenses.

Buying a good trip cancellation insurance is necessary to have a hassle free trip. Other coverage that it offers are trip interruption, loss of baggage, loss of passport, medical expenses..

Trip Cancellation insurance, Cancel for any reason – CFAR insurance

Most travelers often plan a trip or vacation well ahead of time. A planned trip involves expensive airline tickets, hotel reservations and cruise bookings. Due to the Covid pandemic, CDC, WHO or other government agency had issued travel alerts. This was a serious condition which forced many travelers to cancel travel plans that were made well in advance.

While the worst part of the pandemic may be behind us, we have the wars between Russia and Ukraine, as well as the war between Hamas and Israel. We also have climate weather changes in different parts of the globe, all of which can cause sudden travel disruptions. Trip Cancellation insurance with the "Cancel for any reason" benefit comes to your rescue during these times. The travelers can cancel their expensive ticket bookings, hotel reservations and other expenses using this benefit.

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Trip Cancellation insurance will help to receive majority of the trip investment expenses spent on a vacation. Most of trip cancellation insurance plans also cover emergency medical expenses and accidental injuries. Therefore it is advisable to buy the Trip Cancellation insurance with "cancel for any reason" while planning a trip or a vacation. You can use our compare trip insurance quotes to review quotes of trip cancellation insurance plans.

Travel Insurance Select Trip cancellation insurance for Covid-19

The Travel Insurance Select plan does not have a specific Trip Cancellation or Trip Interruption peril tied to a CDC Warning. Therefore, the main eligible coverages would be:
  • A person traveling in an affected country who becomes ill, in which case emergency medical expense or emergency medical evacuation coverage may apply, or
  • Cancel For Any Reason (CFAR) – this option must be purchased as an upgrade within 21 days of your initial trip deposit/payment. Other conditions apply – see plan details.
Crum & Forster considered this to be a foreseen event on 01/23/2020.
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Cost of best US Citizens - Visitor Medical insurance USA plans

Age: 40 years; Duration: 1 Month; Deductible: $0
Plan name
Visitor health insurance for USA cost
Estimate Plan Cost*
(plan maximum coverage)
  • Patriot America Lite offers comprehensive short term medical insurance coverage to international travelers traveling outside their residence country whose destination includes the United States or its territories.
  • Does not offer coverage for pre-existing condition and covid19.
$90 - $165
($50,000 - $1,000,000)
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  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
$90 - $165
($50,000 - $1,000,000)
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  • This plan covers COVID-19 as any other illness provided the illness is not already existing before the purchase of the plan.
  • The plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible.
$130 - $220
($50,000 - $1,000,000)
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* Factors that determine the cost of US travel insurance plans

The age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health 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 visitor health insurance for the United States is most expensive.

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.


Travel tips for international travelers

Travel tips for international travelers – Safety, Comfort and Wellness.

Best Covid19 travel insurance

Travel insurance that covers Covid

There are two insurance providers who offer short term Covid travel health insurance for US citizens visiting USA.
  1. International Medical Group
  2. Global Underwriters Covid medical insurance for US citizens living abroad visiting USA
The following are the terms of Coronavirus travel insurance coverage offered by these three companies as travel insurance for US citizen traveling to USA.

Covid19 travel insurance plans

International Medical Group (IMG) Covid travel insurance

IMG offers Covid19 travel insurance coverage with the following plans.

Global Underwriters Covid travel insurance

  • Diplomat America Insurance by Global Underwriters offers coverage for covid as a new sickness. It is available for US citizens residing outside USA and traveling to the US.
  • Diplomat Long term Insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses.
Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date will be considered as a pre-existing medical condition and will not provide coverage for that ailment.

Covid Travel insurance for US citizens visiting USA, Travel insurance covering Covid19

It is heart breaking to hear of so many people were stranded due to COVID during the pandemic. While Covid might be largely behind us, it is still a travel risk. At American Visitor Insurance, we are committed to getting you the best travel insurance for us citizen traveling to usa in these uncertain times.

Can US citizens to USA buy Covid travel insurance?

Yes. There are some travel medical insurance options for US citizens living abroad visiting USA that cover COVID like any other illness. US citizens can use our travel insurance comparison tool to compare USA travel insurance for US citizens visiting USA.

Please know we are here to help you make the best, informed decision to get COVID travel health insurance for US citizens living abroad visiting the USA! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Travel Insurance in USA with covid coverage

Travel insurance for Visiting USA forum

US Citizen coming to the US for short trips

Looking for medical travel insurance for frequent short trips to the US from Costa Rica where we are currently living. I am a US resident and wondering if I qualify for this insurance.
questionDear Nancy,
Thank you for contacting American Visitor Insurance with your inquiry! There are plans that are available for US citizens residing abroad and visiting the US for a short period of time. However, annual trip plans for people traveling frequently are available for US and Non US citizens traveling outside their home country. Since you are a US citizen and want coverage in the US which is your home country we will not be able to suggest annual trip plans but you can buy other plans for visiting the US for short period of time.
Let us know if you have any questions.

Customer care
(877) 340 7910

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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180 countries!