Travel insurance based on destination & where you live?

Age & Citizenship help
Destination help
Start date help
End date help

International travel insurance for your vacation or travel abroad

travel Health insurance

Dear Cautious Traveler,

Here's a short blog to answer some questions about "home" country and "destination" country issues that come up in customer care fairly regularly. Our plans are for travel away from your home country.

They are short term international travel insurance policies meant to cover you only while on your vacation or travel abroad. They are not meant to cover you while you are "home". But what does "home" mean?

Your "home" country is often defined as where you have your true fixed residence where you receive mail. Easy, right? Well, this can be a bit more confusing for someone who has been a student (for example) for 4 years in a different country.

Their "home" country is still the country from where they left 4 years ago even though, presumably, they have been getting mail in the country where they are studying. You are still considered a "visitor" regardless of how long you have been in a country unless you are a legal permanent resident. In the US, this means you have a Green Card in hand.

There are many situations which arise and make the idea of "home" country, seemingly a simple question, more complicated. Sometimes a person who is a citizen of India may live and work in the UK and seek to get insurance to go to the US on a short holiday.

In that case, the "home" or "residence" country is the UK, the "citizenship" country or "passport" country is India, and the "destination" country is the US. Most companies will ask for each of these countries in their own way. Generally speaking, the "home" or "residence" country cannot be the same as the "destination" country.

On an application, however, if they ask for a "mailing" address, this often CAN be an address in your destination country. But please be careful in providing a "home" or "residence" country that is not the same as the "destination".

Oftentimes, a family or friend will be making the purchase for a traveler while sitting in the US. Still, they may need to provide a "home" or "residence" address for the person in their home country, a "passport" country, a "destination" country (often no address is needed there) AND there can be a separate "billing" address which CAN be the same as the destination country.

Sometimes, people say, well, I'm already in the US on my trip, so my "destination" from here is to go back home. While that makes logical sense, it doesn't work for the travel insurance application. You can make your purchase after are physically in your destination in many cases, however, your trip destination is where you currently are and your "home" is where you will return and mark the end of your trip.

The global travel is gradually picking up even though travel regulations vary from country to country. Whether travelers are leaving the home country or arriving to the home country, travelers should be very careful with the spread of the new Omicron and Delta variants.

Most countries now insist on an Covid test result taken within 72 hours of travel, many countries are insisting on international travelers buying travel insurance with coverage for Covid19 and for Covid19 related quarantine. There are several US companies that are covering COVID19 as any other illness on their travel insurance policies along with covid19 quarantine cover required by few countries around the globe.Travelers will continue to get Covid-19 coverage irrespective which variant ius caused the infecetion.

I hope that clears up some questions for you. Let us know if we can help you with other questions or issues. As ever, we wish you safe and happy travels!

How much does the best travel insurance cost in 2025?

How much is travel insurance for a month? How much is travel medical insurance?

The American travel insurance cost per month can vary depending on several factors like the age, trip duration, the coverage maximum, and any additional add-ons or options you select. On average, travel insurance costs for a US citizens can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to compare US citizens travel insurance quotes from different insurance providers on American Visitor Insurance.

Trip cancellation insurance

The travel insurance cost is based on the age, trip length and the trip cost. There are cheap trip insurance plans starting at $24 for a 15 day trip with a $1,000 trip cost. This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1,000 trip cost.

Plan Name Trip cancellation Age 20 Age 40 Age 60
Safe Travels Protect 100% of Trip Cost (Up to a Max. of $14,000) $24 $32 $39
Safe Travels Explorer 100% of Trip Cost (Up to a Max. of $30,000) $28 $37 $52
iTravelInsured Travel Lite 100% of Trip Cost $33 $43 $62
Trip Protection Basic 100% of your nonrefundable Trip Cost up to $30,000 $34 $47 $70
Itravelinsured Choice 100% of Trip Cost $39 $50 $73
Travel Insurance Select Basic 100% of Trip Cost $42 $42 $87
Safe Travels Armor 100% of Trip Cost (Up to a Max. of $100,000) $43 $55 $67
Trip Protector Economy 100% of Trip Cost(Up to a Max. of $5,000) $47 $55 $71
Safe Travels Voyager 100% of Trip Cost (Up to a Max. of $100,000) $62 $76 $102
Trip Protection Choice 100% of your nonrefundable Trip Cost up to $100,000 $65 $87 $118
Itravelinsured LX 100% of Trip Cost $102 $114 $138

Best Trip Cancellation Insurance

Review trip cancellation coverage benefits

Show Plans »

Travel Medical Insurance

US citizens traveling outside USA:

Travel insurance for travel outside the US starts as low as $20 for a month. Travel insurance provides coverage for doctor visits and emergency hospital stays while ensuring access to necessary care and financial protection against high medical costs abroad. This table gives the average travel health insurance cost for different ages.

The average cost based on the quotes for one month

Travel medical insurance for US citizens traveling abroad

Review travel medical insurance coverage benefits

Show Plans »

How to reduce the trip cancellation insurance cost?

Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers. Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars. It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss. Some Cancel for Any Reason - CFAR travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs. The more expensive your trip, the higher the insurance cost. Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.

However you can lower the cost of travel insurance without compromising essential coverage by choosing only medical coverage by entering the trip cost as $0 if you don’t need trip cancellation coverage. A travel medical plan is cheaper than comprehensive coverage and most of them offer coverage for emergency medical evacuation. You can also select lower coverage limits usually within $50,000 medical coverage which is often enough for most trips.

How much does travel insurance cost for a week? How much does travel insurance cost for 2 weeks?

Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks. You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.

How much does travel insurance cost for 6 months?

For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.

Resourceful tourist insurance USA information

search

Find the best travel insurance

Find out the best insurance for your budget and needs

Click here to read more »
question_mark

How does travel insurance work?

Claims process for expenses due to injury or sickness

Click here to read more »
help

How to buy travel insurance?

Guide to buying the best international travel insurance

Click here to read more »
id_card

Travel insurance glossary

Commonly used international travel medical insurance terms

Click here to read more »
groups

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

Click here to read more »
balance

Compare travel insurance plans

Compare the best travel insurance plan for your needs

Click here to read more »

Testimonials - From Our Customers

Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon.
Know more »

Shelie

I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100.
Know more »

Charlotte

I am pleased to say that your company is very professional in the field of Insurance. The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need.
Know more »

Lori Fields

Get quotes for international travel insurance!

Review and compare the best international travel health insurance.

Click here to read more »

Steps to compare and buy travel insurance online

1: Finding the available travel insurance plans

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

3: Buy the travel insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

4: Review the short term visitor health insurance documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers

US visitors insurance online

International travel health insurance useful links

flight_takeoff

International travel insurance
Buy international travel insurance for USA

Explore »
person

Travel medical insurance for long term Europe visa
Travel insurance for different groups of travelers.

Explore »
local_hospital

Best travel health insurance
Find the best international travel health insurance.

Explore »
globe

Cheap International travel insurance
Buy cheap international travel insurance plan

Explore »

What factors affect the cost of visitor medical insurance for USA?

  • Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the temporary visitors health insurance.
  • Type of travel health insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
  • Medical maximum coverage and deductible options: The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
  • Region of insurance coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
  • Duration of travel insurance required: The longer the duration of visitor medical insurance required, the higher will be the cost.

International travel health insurance

1. When should I take out travel insurance?

It is always recommended to purchase travel insurance before you depart your home country and start the travel. This is to make full and genuine use of the insurance so that you are covered from day One when you are in a foreign country. However, you can also purchase the insurance after arriving at your destination country.

Some insurance plans might have arrival time restriction where the insurance must be purchased within 30 days after arriving in the destination. This time could be 6 months as well depending on the age of the person.

2. Is travel insurance worth getting?

Insurance is always purchased keeping in mind the unexpected sudden incidents in mind. Travel insurance especially is something that is exclusively meant for unexpected accidents or sickness. These are not for preventive care, planned health check-ups or appointments.

Having said that, it is definitely worth buying insurance paying a few hundred dollars and enjoy the travel peacefully instead of taking the risk of no insurance and end up paying a huge amount for unexpected accidents and sickness treatments at the hospitals.

3. What is the Purpose of Travel Insurance?

  • Protect the cost of your trip if you have a travel delay or need cancellation.
  • Offset added expenses due to a travel delay or lost, delayed or damaged luggage.
  • Protect from expensive medical bills in case you are injured or become ill while traveling abroad.

Travel health insurance information

question_mark

Travel Insurance FAQ

FAQs about travel insurance.

Click here to read more »
rss_feed

Travel Insurance USA Blog

Blog about travel health insurance.

Click here to read more »
forum

Travel Insurance USA Forum

Customer Queries for USA travelers.

Click here to read more »

Which are the best visitors insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?

Ask me a Question?

handshake
Expertise in offering travel insurance
20+ years!
US health insurance
Customers from
All U.S. states!
globe
Customers from over
180 countries!