Travel Insurance for Home Country Coverage

Home country coverage for the insured under visitor travel insurance are offered by several insurance companies. To know the benefit details for home country country coverage under visitor insurance plans you can refer to this page. Travelers can understand the difference between the sum assured for home country coverage by referring to the page. The details of coverage are also mentioned for reference.

IMG Insurance Plans Covering Home Country Coverage

1. Patriot America
  • Incidental Home Country Coverage: up to 14 days
  • End of trip Home country coverage: One month for every five months of travel coverage purchased, to a maximum of two months.
  • Incidental Home country coverage - During the period of coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to :
    • The insured person must have left their home country,
    • The total period of coverage must be for a minimum of 30 days, and
    • The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
  • End of trip Home country coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefits, up to a maximum of two months.
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2. Patriot International
  • Incidental Home Country Coverage: up to 14 days
  • End of trip Home country coverage: One month for every five months of travel coverage purchased, to a maximum of two months.
  • Incidental Home country coverage - During the period of coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to :
    • The insured person must have left their home country,
    • The total period of coverage must be for a minimum of 30 days, and
    • The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
  • End of trip Home country coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefits, up to a maximum of two months.
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3. Patriot Platinum
  • Incidental Home Country Coverage: Up to a cumulative two weeks
  • End of trip Home country coverage: One month for every four months of travel coverage, up to a maximum of three months.
  • Incidental Home country coverage - During the period of coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to :
    • The insured person must have left their home country,
    • The total period of coverage must be for a minimum of 30 days, and
    • The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
  • End of trip Home country coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefits, up to a maximum of three months.
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4. Patriot Green
  • Incidental Home Country Coverage: Up to a cumulative two weeks
  • End of trip Home country coverage: One month for every five months of travel coverage purchased, to a maximum of two months.
  • Incidental Home country coverage - During the period of coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to :
    • The insured person must have left their home country,
    • The total period of coverage must be for a minimum of 30 days, and
    • The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
  • End of trip Home country coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefits, up to a maximum of two months.
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5. Visitors Care
  • Incidental Home Country Coverage: Up to a cumulative two weeks
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  • Incidental Home country coverage - During the period of coverage, an insured person may return to his/her home country for incidental visits up to a cumulative two weeks total, and retain continuing coverage during such visit(s), subject to:
    • The insured person must have left their home country,
    • The total Period of Coverage must be for a minimum of 30 days, and
    • The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
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6. Patriot GoTravel
  • Incidental Home Country Coverage: Up to a cumulative two weeks
  • End of trip Home country coverage: One month for every five months of travel coverage purchased, to a maximum of two months.
  • Incidental Home country coverage - During the period of coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to :
    • The insured person must have left their home country,
    • The total period of coverage must be for a minimum of 30 days, and
    • The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
  • End of trip Home country coverage - For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefits, up to a maximum of two months.
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SEVEN CORNERS Insurance Plans Covering Home Country Coverage

1. Liaision Travel Economy
  • Incidental Trips to The Home Country: $5,000
  • Extension of Benefits: $5,000
  • Incidental Trips to Your Home Country - Covers an illness/injury which occurs on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month of purchased coverage.
  • Extension of Benefits - Covers expenses incurred in your home country for conditions first diagnosed and treated outside your home country
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2. Liaision Travel Choice
  • Incidental Trips to The Home Country: $10,000
  • Extension of Benefits: $10,000
  • Incidental Trips to Your Home Country - Covers an illness/injury which occurs on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month of purchased coverage.
  • Extension of Benefits - Covers expenses incurred in your home country for conditions first diagnosed and treated outside your home country
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3. Liaision Travel Elite
  • Incidental Trips to The Home Country: $20,000
  • Extension of Benefits: $20,000
  • Incidental Trips to Your Home Country - Covers an illness/injury which occurs on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month of purchased coverage.
  • Extension of Benefits - Covers expenses incurred in your home country for conditions first diagnosed and treated outside your home country
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4. Inbound Immigrant
  • Incidental Trips to The Home Country: $50,000
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  • Incidental Trips to Your Home Country - This benefit covers the Insured Person for incidental trips to his or her Home country (90 days per 364 days of purchased coverage).
  • The maximum benefit is up to $50,000 for any Illness or Injury occurring while on an incidental trip to the Home Country.
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5. Inbound Choice
  • Incidental Trips to The Home Country: $50,000
  • Click plus for more details
  • Incidental Trips to Your Home Country -This benefit covers the Insured Person for incidental trips to his or her Home country (30 days per 364 days of purchased coverage or pro rata thereof, approximately 2½ days per month).
  • The maximum benefit is up to $50,000 for any Illness or Injury occurring while on an incidental trip to the Home Country.
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TOKIOMARINE HCC Insurance Plans Covering Home Country Coverage

1. Atlas America
  • Atlas America and Atlas International will provide you 30 days of incidental coverage for trips to your home country for every 3 months of coverage purchased.
  • Incidental visit time must be used within the three month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only.
  • Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.
2. Atlas International
  • Atlas America and Atlas International will provide you 30 days of incidental coverage for trips to your home country for every 3 months of coverage purchased.
  • Incidental visit time must be used within the three month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only.
  • Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

TRAWICK INTERNATIONAL Insurance Plans Covering Home Country Coverage

1. Safe Travels USA
  • Incidental Trips to The Home Country: Maximum benefit is reduced to $50,000.
  • Follow Me Home Coverage: up to $5,000
  • Incidental Trips to Your Home Country - This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage.Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% up to $50,000.
  • Follow Me Home Coverage -This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage.The chosen deductible applies and Coinsurance: 80% up to the $5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred.This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave your Home Country.
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2. Safe Travels USA Comprehensive
  • Incidental Trips to The Home Country: Maximum benefit is reduced to $50,000.
  • Follow Me Home Coverage: up to $5,000
  • Incidental Trips to Your Home Country - This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage.Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% up to $50,000.
  • Follow Me Home Coverage -This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage.The chosen deductible applies and Coinsurance: 80% up to the $5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred.This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave your Home Country.
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3. Safe Travels USA Cost Saver
  • Incidental Trips to The Home Country: Maximum benefit is reduced to $50,000.
  • Follow Me Home Coverage: up to $5,000
  • Incidental Trips to Your Home Country - This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage.Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% up to $50,000.
  • Follow Me Home Coverage -This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage.The chosen deductible applies and Coinsurance: 80% up to the $5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred.This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave your Home Country.
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GLOBAL UNDERWRITERS Insurance Plans Covering Home Country Coverage

1. Diplomat International
  • Provides limited coverage under Your Medical Expense Benefit while in Your Home Country. The plan pays 80% up to $5,000 of Covered Expenses, then 100% to a maximum of
    • $50,000 for Incidental Trip(s) to your Home Country or
    • $10,000 for Extension of Benefits (Follow Me Home Coverage). (Apply 1.10 factor to your total premium)
2. Diplomat Long Term
  • Provides limited coverage under Your Medical Expense Benefit while in Your Home Country. The plan pays 80% up to $5,000 of Covered Expenses, then 100% to a maximum of
    • $50,000 for Incidental Trip(s) to your Home Country or
    • $10,000 for Extension of Benefits (Follow Me Home Coverage). (Apply 1.10 factor to your total premium)
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