Are you a U.S. citizen living or working abroad and planning a short-term trip to the U.S.? If so, you'll need proper travel insurance coverage. This means travel medical insurance. Eligibility for U.S.-based travel medical insurance policies can be complicated. Insurance providers cover U.S. citizens traveling abroad, but only a few offer travel medical insurance for U.S. citizens traveling to the United States. Therefore, it's important to review insurance policies carefully and reach out to a member of our Customer Success Team.

Patriot America Plus is currently one of the best travel insurance plans for U.S. citizens planning a return visit to the U.S.

Travel medical insurance for U.S. expatriates visiting the U.S.

While some travel insurance providers based in the United States do offer travel medical 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 domestic 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 travel 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.


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 Platinum

Underwriters: Sirius Specialty Insurance
Included Benefits
  • After deductible, the plan pays 100% up to policy maximum in network
  • Comprehensive coverage plan
  • Coverage from 5 days up to 365 days
  • PPO network
  • Extendable & Cancelable
  • Medical coverage, including COVID-19 during international travel

These travel medical insurance policies are great options for U.S. citizens living outside the United States. They will cover any medical expenses incurred from unforeseen injuries, accidents, mishaps that occur while they're visiting the U.S. These polices aren't subject to the Affordable Healthcare Act(ACA)/Obamacare policies and are not a substitute for regular long-term health insurance policies otherwise applicable for U.S. residents under the ACA. These plans are especially designed 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.