Travel insurance for visiting USA, Travel insurance for US citizen travelling to the US

Compare and buy travel insurance

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.

Coronavirus travel insurance coverage for US citizens visiting the United States

There are two insurance providers who offer short term travel medical insurance for US citizens living outside the United States, but who are visiting the US. The two travel insurance providers are :
  1. INF Insurance
  2. International Medical Group (IMG)
The following are the terms of Coronavirus travel insurance coverage offered by these two companies

INF travel insurance

INF travel insurance coverage for Coronavirus is straightforward. The coronavirus will be covered as per any new sickness in the policy since it is not explicitly excluded. Note that their plans only offer coverage in the US and Canada.
INF Advantage US visitors insurance Covers Coronavirus for Visitors Already in USA INF provides insurance coverage for any COVID-19 infection and it will be covered fully by INF Advantage as a new sickness. INF Advantage is available to visitors who are already in the United States and does not have any restriction on the length of time the visitor has been in the US. INF Advantage will cover COVID-19 infections for major in-patient hospitalization, need for oxygen cylinders, and medication or other miscellaneous expenses required to treat the Coronavirus.

International Medical Group (IMG) :

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy. Under the Patriot America plan and Patriot America Plus travel insurance plans, if the travelers visits the country that the CDC, WHO or US Department of State has issued an alert to not visit, the coverage for coronavirus will be excluded. The Patriot travel insurance will not offer coverage benefits if the traveler visits the country after the alert has been issued. If the traveler is already in the country before the alert was issued, then the insured may be covered.

Travel insurance for visiting USA

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) and INF allow you to distinguish your "residence" country from your "destination" country while still entering your country of citizenship as US.

International Medical Group (IMG):
  • 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.
  • Patriot America 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.
INF travel insurance:
Non-US Residents who are visiting the United States but are US Citizens can enroll in an INF plan.
NOTE: If the non US residents (who are US citizens) are in transition to move back to the US until the end of the year (domestic plan enrollment) or employer plans kick in, then these plans cannot be used as a gap insurance for US Citizens.
Following are the list of US travel insurance plans:

Compare travel medical insurance for US citizens visiting USA

Age
Spouse
Start Date
End Date

INF Standard

Plan Maximum
Deductible
Pre - existing Condition
Not covered
Patriot America Plus
Plan Maximum
Deductible
Pre - existing Condition

INF Advantage

Plan Maximum
Deductible
Pre-existing Condition
brochure  Brochure & Details links
» Standard Plan Brochure
» Standard Plan Details
More benefits
» Patriot America Plus Brochure
» Patriot America Plus Details
More benefits
» Advantage Plan Brochure
» Advantage Plan Details
More benefits

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. 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.

US citizens viviting USA

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 travel 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:Economy, Choice, and Elite.

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 SevenCorners Round Trip plans here.

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..

Popular trip cancellation insurance plans

Travel Lite | Travel SE | Travel LX | Round Trip | Round Trip Elite | Round Trip Economy | Round Trip Choice
AVI customer service

NEED HELP? Contact Us
We are here to help you!

 +1-(877)-340-7910

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

Resourceful American visitor insurance information

Trip insurance vs Travel health coverage vs Global medical insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
Click here
cancel for any reason travel insurance
"Cancel for any reason" - Travel insurance
Popular trip cancellation insurance plans that have optional benefit for cancel for any reason.
Click here
international travel insurance
International travel insurance resources
Compare and buy international travel insurance USA
Click here

Popular tourism destinations

Global travel and tourism destinations

Travel insurance for Popular US Cities

Global Travel Destinations

It's a Global village, Explore and enjoy it! Find your favorite interesting country and city !

Know more
Travel insurance for Popular international Places

International tourism

Indulge according to your tastes; Golfing, Skiing, Wildlife, Beaches, Culture, Cuisine ...

Know more

Popular travel destinations in the USA

Travel insurance for Popular US States

US States

Popular US States for tourists. Beaches, National Parks, Scenic drives and more !

Know more
Travel insurance for Popular US Cities

US Cities

Popular US Cities renowned for their Glitz, Glamor, Museums, Cuisine and more !

Know more
Welcome to American Visitor Insurance  -  Online Chat
Name is required
Email is required Email is invalid
Contact is required