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There are millions of travelers traveling to the US from all parts of the world. Among them we often come across US citizens residing abroad coming back to the US for short visits. Travel insurance or travel health insurance is a critical requirement while you are traveling to the US. This is especially true given the Covid19 pandemic, as travelling during the pandemic is risky and there are higher chances for unforeseen events during travel.
It gets a little tricky for US citizens residing abroad coming to the US to get a suitable travel health insurance for their short term stay as they are few options available for them. This is true because many companies will not provide insurance for US citizens regardless of where they live most of their time. Please note that this includes people with dual citizenships.
For US citizenship, it is better to be on the safe side and purchase a policy suitable for this situation and enter the US passport information on the application so that there are no issues. There are however options available for US citizens residing abroad and coming to the US for short term with the intent to return to their home countries outside USA.
Patriot America Plus and Patriot Platinum America can be used by US citizens as long as they maintain a residence outside the US and are visiting the country for a short visit. The Patriot America Plus insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.
The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. There is a sports rider that can be added for additional cost to cover skiing, snorkeling, surfing, and other common recreational sports. Persons under 70 years of age can get up to $1 million maximum coverage. As of Sept 1, 2020, the plan also covers COVID-19 illness up to the maximum of the policy. Please note the Patriot America plan does NOT cover COVID!
Very recently, IMG has updated their plan eligibility requirements such that US citizens who reside abroad can purchase either the Patriot America Lite or the Patriot America Plus plans for their travel into the US (assuming they intend to return to their foreign address).
Please note that US citizens relocating to the US, should apply for domestic coverage right away upon arrival or the “window” for their application may close until the start of the new year. The Patriot Plans offer excellent economical choices either with coverage for pre-existing conditions for persons under 70 (Patriot America Plus plan) or without this coverage (Patriot America).
Yes. There are some medical insurance for US citizens living abroad visiting USA that cover COVID-19 like any other illness. US citizens can use our search engine to compare USA travel insurance with covid coverage for US citizens visiting USA.
They cannot be sick before the start of the policy for coverage to be valid (otherwise it will be considered pre-existing).
Until the age of 80, the plan provides a policy maximum options for $50,000 $100,000 $500,000 or $1 million and it offers coverage for "acute onset" of pre-existing conditions up to the maximum of the plan for persons under 70 years of age. This plan has a new benefit where you can pay a $15 copay at an urgent care center INSTEAD of the deductible (this is waived if you chose a $0 deductible). This plan covers COVID-19 like any otherPatriot America Plus
The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years. The policy is available from any state in the US or can be purchased from abroad. This plan also covers COVID-19 like any other illness.Safe Travels USA
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There are two US insurance providers who offer short term Covid travel insurance for US citizens living outside the United States, but who are visiting the US.
The following are the Coronavirus travel insurance coverage offered by these two companies as medical insurance for us citizens living abroad visiting US