Are you a United States citizen living or working abroad? Planning a short-term trip to the U.S.? If you have family members or children who are U.S. citizens making a short-term visit to America, do you have proper insurance protection? Eligibility for U.S.-based travel insurance policies can be complicated. Insurance providers cover U.S. citizens traveling abroad, but only a few offer travel insurance for U.S. citizens traveling to the United States. Therefore, it's important to review insurance policies carefully and ask your insurance agent if anything's unclear.
While some travel insurance providers based in the United States do offer travel insurance coverage for U.S. expatriates returning home, there's usually a waiting period of 3 to 6 months before they're eligible for coverage. Most American insurance companies won't cover you if you haven't lived in the U.S. for at least 6 months before applying for coverage. You'll want to make sure the health insurance plan you choose covers you for your first 6 months in the United States.
Patriot America Plus and Patriot America travel insurance offers health insurance for Americans living abroad and visiting the U.S. for a short time.