Need help?

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Friday)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Friday)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

VisitorsCoverage logo
Travel Insurance

Visitors Insurance Plans with US State Restrictions: Can You Buy Them or Not?

Visitors Insurance Plans with US State Restrictions: Can You Buy Them or Not?

Some travel medical insurance plans have state restrictions, but what exactly does this mean and why do these policies restrict only a few U.S. states?

How is Insurance Regulated in the U.S.? 

Travel medical insurance is not federally regulated in the United States, so each state has its own specific set of rules and regulations regarding travel insurance. While most states allow all major travel insurance companies to sell their plans, few states such as Maryland and Washington, for example, have some restrictions for certain travel insurance policies.

Typically, state restrictions are only applicable to residents of those states or those whose mailing address is of a restricted state. This means that travelers residing outside of the U.S. whose mailing address is of a foreign country should be able to purchase plans with state restrictions.

Most importantly, travel insurance policies with state restrictions may be used in restricted states. Even though a certain policy may not be purchased in a certain state, it may still be used. For example, a traveler who is visiting a restricted state during his trip to the U.S. can still use his policy even if the policy restricts that state.

Purchasing a Plan with State Restrictions

Travel insurance plans with state restrictions may not be purchased if:

  • The mailing address provided on the application is of a restricted state; or
  • The primary destination provided is a restricted state.

Travel insurance plans with state restrictions may be purchased if:

  • The billing address provided is of a restricted state.
  • The policyholder is visiting a restricted state but didnt purchase the plan in a restricted state.

You may also be able to purchase a policy with state restrictions as long as you are not present in the restricted states at the time of purchase.

We understand that travel insurance can be complex and want to make sure that you find the best policy to fit your needs. If you still need assistance in understanding state restrictions or any specific policy, contact our Customer Success Team.


Related Articles

Do People Have Unreasonable Expectations From Travel Insurance Policy?

People who purchase travel insurance policies often expect these short-term plans to work exactly the…

Emergency Room Coverage – When to Use It

Emergency room (ER) Visits in the U.S. are extremely expensive. This is true even for…

In-Network Vs. Out-of-Network Insurance Benefits

When you’re exploring the different options for your health insurance, and are zeroing in on…

Will My Health Insurance Cover Me When I Travel Abroad?

Unfortunately, most domestic health insurance policies dont provide coverage outside your home country. In general,…

Whitewater River Rafting

Floating downstream through rock-strewn rapids, past breath-taking scenery, whitewater rafting is a popular outdoor thrill…

Water Skiing & Wakeboarding

Both water skiing and wakeboarding are sports that involve being pulled behind a speedboat while…

Infographics: Most Common Travel Accidents

Accidents can happen at any time – even while you’re traveling. Avoiding these common accidents…

Infographics: Breathtaking Adventures and Their Dangers

Anyone who loves the outdoors has probably enjoyed their fair share of adventurous activities. Experienced…

Infographics: Traveling While Pregnant

Expecting mothers should take extra precautions when traveling, and in some cases may want to…

Travel Medical Insurance & US Healthcare

Healthcare costs around the globe can vary a great amount depending on where you visit….

What is a Deductible and How Does It Affect Travel Insurance Cost?

The deductible is the amount that you are responsible to pay before the insurance benefits…

Best Ways to Beat the Heat on Your European Trip

Heat waves can catch many travelers off guard and unprepared. Temperatures reaching 109 F (43…

Sun vs. Snow: Where Will Your Winter Getaway Take You?

There are two types of people in this world: those who look forward to winter…

Travel Insurance for Costa Rica

With vaccinations on the rise and COVID-10 cases falling in many parts of the world,…

Visiting the UK? Heres What You Need to Know

Fully-vaccinated Americans and Europeans hoping to vacation in Britain just got some good news: Last…

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.