Travel insurance and global medical insurance for US citizens outside USA
US citizens overseas
Traveling on a hard earned vacation can be expensive. Planning the details of a vacation, booking the airline, cruise and hotel tickets involve both time and money. Ensure that your well deserved vacation or even your business travel is not wrecked by unforeseen adverse circumstances by purchasing proper travel insurance.
The plans offered here provide coverage for medical expenses related to hospitalization, medical evacuation and repatriation. Thanks to the adventurous nature of Americans and recently to the strength of the US Dollar, there has been a huge increase in the number of Americans traveling overseas. Over 72.5 million US travelers went overseas in 2016.
However recent trends indicate that while travel to traditional destinations of Canada, Mexico and Europe have remained steady, new destinations such as India, China, South Korea, Dubai, Israel, regions in Central and South America have found favor with US travelers. Here is an article which says in detail how to insure your trip expenses
Another option is to purchase trip or travel insurance which will reimburse you for cost of the trip should you have to cancel or interrupt your trip. These policies are only available to US residents (you do not necessarily have to be a US citizen, a US address will do). These policies, if you go on your trip as expected, also cover any sudden medical expenses that should arise. These policies are well thought out for travelers with reunion costs; costs for dependent children should they need an escort home; lost baggage and connections, etc. These can be an excellent way to protect the investment you make on a trip. To compare options on these types of policies, click here.
US citizens are rarely required to buy insurance while they travel abroad. However, for Americans who wish to stay in Europe for a longer stay, they have requirements similar to other citizens for "Schengen visas". One requirements for being issued a Schengen long term visa is to have proper health insurance in Europe. These travel insurance plans are very affordable and can be purchased easily once you choose the one that's right for you. To compare plans, click here.
Interesting facts about US international travelers
An estimated 39 percent of US travelers were from the Mid-Atlantic States (New York, New Jersey and Pennsylvania), followed by 19 percent from South Atlantic states and 14 percent from the Pacific states.
The top ports of departure were New York, Miami, Los Angeles, Newark, Atlanta and Chicago which accounted for over 60 percent of US departures.
The main reason for overseas travel accounting for 40 percent of travelers was leisure/recreation/holiday. Visiting family and friends was the second most popular reason at 37 percent.
The average length of travel (number of nights) outside the US increased to 18.5 nights in 2009 compared to 18.0 nights in 2008.
Top leisure activities for US travelers other than dining in restaurants and shopping were visiting historical places, visiting small towns and villages, sightseeing in cities, visiting cultural heritage sites and touring the countryside.
Need for travel insurance while outside the United States
Americans traveling overseas must be aware that their US domestic health insurance policy rarely travels with them outside the US national borders. International travelers need to buy insurance. Travelers should also be aware of the difference between Travel Insurance and Travel Medical Insurance. Travel insurance will insure the financial investment for the trip which typically includes the cost of lost baggage and cancelled flights. However it may not cover costs for medical expenses that a traveler may incur while abroad. Travel Medical Insurance on the contrary does cover the costs of medical expenses that the traveler may unexpectedly incur while overseas. Given the high cost of healthcare, proper medical insurance coverage during one's overseas journey is not a luxury but a basic requirement. Travel medical insurance plans are available as either fixed or comprehensive medical benefit plans. US travelers can choose the type of plan that best fits their needs using the compare tool on our website.
Travel tips for Americans traveling overseas
Americans visiting a foreign country must seek the appropriate visa from the consulate. The visa application can be submitted at the nearest consulate or embassy office. The processing of visa can take a certain time depending on the country of visit. US citizens are encouraged to submit the application well in advance to their travel dates. Those who are traveling abroad from the US for the first time can easily learn about the food habits, languages, people, culture... onine. It helps to do a little research about the weather, restaurants, sightseeing spots, currency... before leaving the USA.
Travelers who are US residents have more options than other travelers when choosing their health insurance for international travel. There are plans that will cover only health expenses while abroad. You should be aware that many domestic plans will not cover you while outside the US. Or, if you have coverage while abroad, you might want to consider a plan that covers repatriation and emergency medical evacuation. If you want only this type of coverage, you can consider these plans. Find Plans
Trip vs Travel vs Global
Confused whether to buy trip or travel or global insurance? Know the differences!