Are you a US citizen living or working abroad? Are you planning a short-term trip to the United States for a vacation or personal reason? If you have family members or children who are US citizens and making a short visiting USA, do you have a proper insurance protection? It is important to note that eligibility criteria for US-based travel insurance policies can sometimes be quite complicated. Most insurance providers cover US citizens traveling abroad, but only a few offer travel insurance for US citizens traveling to the United States. Not all policies cover US citizens staying abroad and traveling to the United States on a short-term visit; therefore, it is important to investigate the insurance policy carefully and ask your insurance agent to get any doubts clarified.
While some USA travel insurance providers in the United States do offer travel insurance coverage for US expatriates returning home, they usually ask returning US expatriates to wait for a minimum period of 3 to 6 months before they are eligible for coverage. Most American insurance companies do not cover you if you have not lived in the United States for at least 6 months before applying for coverage. You must ensure that the health insurance plan you enroll in covers you for the first 6 months in the United States.
Liaison International and Patriot Platinum International travel insurance can provide health insurance for Americans living abroad and traveling to the US for a short duration.
Plan pays 80% of first $5,000 and 100% after that
- Coverage from 5 days to 45 days
- Illness and Injury medical expense coverage
- Emergency medical evacuation coverage
- Accidental Death & Dismemberment (AD&D) coverage
- Repatriation of remains coverage
- Free Rx Discount Card
- $15,000 coverage for acute onset of pre-existing conditions
- Hazardous Sports Coverage
- Plan pays 100% up to policy maximum
- Comprehensive coverage plan
- Up to $20,000 coverage for sudden & unexpected recurrence of a pre-existing condition
- Coverage from 5 days up to 60 days for US citizens
- PPO network
- Covers during international travel
Such travel medical insurance policies are suitable for US citizens that are living outside the United States, covering them for the medical expenses incurred on unforeseen injuries, accidents, mishaps in the United States. These polices are not subject to ACA/ Obamacare and are not substitute to regular long term health insurance policies otherwise applicable for US residents under the Obamacare, but are strictly for US Citizens living abroad and making a short visit to the US with intention to go back after the trip.
Make sure you have a safe and secure journey to the United States, with coverage against major risks and the unexpected that might happen anywhere anytime. Comprehensive insurance plans ensure that, as an American citizen living abroad and making a brief visit to the United States, you enjoy peace of mind when you are traveling and do not have to worry about any unexpected expenses during your trip.
To learn more about travel insurance for US citizens visiting international destinations, visit Travel Insurance for US Citizens and Residents