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.