Travel insurance for visiting USA, Travel insurance for US citizens traveling to the US

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Travel insurance that covers covid, Covid19 travel insurance

There are two insurance providers who offer short term Covid19 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.

International Medical Group (IMG) travel insurance that covers Covid19

IMG offers Covid19 travel insurance coverage with the following plans.

Customers who would like to renew or extend their existing plans set to expire on or after September 1st and wish to receive the new travel health insurance covid coverage benefits should let their existing plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional travel medical insurance covid benefits listed above.

Global Underwriters Covid travel insurance

  • Diplomat America Insurance by Global Underwriters offers coverage for covid-19 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 stranded due to COVID-19. At American Visitor Insurance, we are committed to getting you the best travel insurance for us citizen traveling to usa we can in these uncertain times.

Can US citizens purchase Covid19 American travel insurance that will cover them for coronavirus expenses for a trip into the US?

Yes. There are some medical insurance for US citizens living abroad visiting USA that cover COVID-19 like any other illness. US citizens can use our search engine to compare USA travel insurance with covid coverage for US citizens visiting USA. They cannot be sick before the start of the policy for coverage to be valid (otherwise it will be considered pre-existing).
Please know we are here to help you make the best, informed decision to get COVID-19 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 US citizens visiting USA, health insurance for us citizens visiting US

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.
  • These plans offered by IMG are: Patriot America, 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.
US Citizens visiting USA insurance
International Medical Group (IMG):
  • 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.
  • 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.
  • 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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    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.

    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.

    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. 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

    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. As of Sept 1, 2020, the plan also covers COVID-19 illness up to the maximum of the policy. Please note the Patriot America plan does NOT cover COVID!

    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 SevenCorners Round Trip plans here.

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    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)

    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 Coronavirus (Covid19) outbreak, CDC, WHO or other government agency have issued travel alert to not visit a few countries. This is a serious condition that may force a traveler to cancel travel plans made in advance. The Trip Cancellation insurance with the "Cancel for any reason" benefit comes to your rescue. 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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    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.

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