Travel Insurance for Expats Visiting the US
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 purchasing travel insurance for expatriates. 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 your options when it comes to travel insurance for expats.
Do I Need Travel Insurance for Expats?
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.
What's the Best Insurance for Expats?
Patriot America Plus and Patriot America travel insurance offers health insurance for Americans living abroad and visiting the U.S. for a short time.
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.
These 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.
Comprehensive Coverage Plan A- (Excellent)
SiriusPoint Speciality Insurance Corporation
Travel Medical Insurance Plan for non US Residents and US citizens who permanently live outside the USA, for traveling to the USA, and anywhere outside their country of Residence.
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.