US Travel Insurance for Americans Living Abroad

Are you a United States citizen living or working abroad, thinking about visiting the U.S.? Do you have proper insurance protection? Eligibility for U.S.-based travel insurance policies can be complicated. While insurance providers do cover U.S. citizens traveling abroad, only a few offer travel insurance for U.S. citizens visiting the United States. Therefore, it's important to compare travel insurance plans and policies carefully and make sure you understand what's covered and what's not.

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. So if you're a new immigrant you'll want to make sure the travel or trip 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.


Patriot America Plus

Underwriters: Sirius International
Included Benefits
  • Plan pays 100% in network, up to policy max
  • Coverage from 5 days to 365 days
  • Illness and Injury medical expense coverage
  • Emergency medical evacuation coverage
  • Accidental Death & Dismemberment (AD&D) coverage
  • Repatriation of remains coverage
  • Coverage for acute onset of pre-existing conditions

Patriot America

Underwriters: Sirius International
Included Benefits
  • Plan pays 100% up to policy maximum in network
  • Comprehensive coverage plan
  • Coverage from 5 days up to 365 days
  • PPO network
  • Accidental Death & Dismemberment Coverage
  • Covers during international travel

These travel medical insurance policies are great options for U.S. citizens living outside the United States, covering any medical expenses incurred from unforeseen injuries, accidents, mishaps that occur while they're visiting the U.S. These polices aren't subject to ACA/Obamacare policies and are not a substitute for regular long-term health insurance policies otherwise applicable for U.S. residents under the ACA, but are strictly for U.S. citizens living abroad and making a short visit to the U.S.

Comprehensive insurance plans ensure that, as an American citizen living abroad and making a brief visit to the United States, you're covered for any unexpected medical expenses. Travel medical insurance gives you peace of mind so you can have a worry-free visit.

To learn more about travel insurance for U.S. citizens visiting international destinations, visit Travel Insurance for US Citizens and Residents


Information provided here is 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.