If you’re an expat who’s from the US but living abroad, medical insurance coverage for temporary visits to the United States can be confusing. Will your major medical insurance cover you when you travel back home? Do you need specific medical insurance for US citizens living abroad visiting US? The answer is, it depends, as we will try to explain.
Do Expats Visiting the US Need Travel Insurance?
To answer this question, you first need to determine the coverage area of the medical insurance you currently have. Some companies consider the US the home country no matter where the US citizen lives, making them ineligible to purchase visitors insurance plans. On the other hand, most US domestic health insurance companies will not provide coverage even to US citizens unless they establish residency in the USA for a certain period of time, such as three or six months, or maybe even up to two years. Obviously, this isn’t an option for expats who are only visiting the United States.
And while it is true that you aren’t legally required to have health insurance coverage to visit the USA, every US citizen is aware of just how expensive medical treatment here is. If you get sick or hurt, you’ll want to make sure you have travel insurance for US citizens visiting USA. Fortunately, we have several options for expat returning to US health insurance that may suit you.
Travel Insurance for US Citizens Living Abroad
Overview
Direct Billing
Acute onset of pre-existing conditions
Overview
Outside PPO Network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing
Overview
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing
Acute onset of pre-existing conditions
Overview
Outside PPO Network: After deductible, pays 60% to policy maximum.
Direct Billing
Pre-Existing Conditions
What is Visitors Travel Insurance for the US Citizens Living Abroad?
Visitors medical insurance is low-cost, short term health insurance for temporary visitors to the United States. Only non-US residents are eligible to purchase this coverage, and each plan will have its own benefits and restrictions.
Why is Travel Insurance Worth it for US Expats?
Being as you’re from the USA, you’re well aware of how expensive healthcare is here. A simple accident or unexpected illness can lead to a massive pile of medical bills if you don’t have insurance. Visitors medical insurance can provide crucial emergency medical coverage, as well as other benefits including:
- Coverage for acute onset of pre-existing conditions
- Emergency medical evacuation coverage
- Return of mortal remains coverage
- Accidental death and dismemberment coverage
- Travel benefits include trip interruption protection, and compensation for lost or delayed baggage.
How Much Does Health Insurance Cost for US Citizens Visiting the USA?
The cost of health insurance for US citizens visiting the USA can be as low as $5 per day. However, the actual cost will depend on the plan, deductible, and policy maximum you select, as well as your age and the length of your stay in the USA. Use our quote form to see your exact pricing.
How to Get Travel Insurance for US Citizens Visiting the US with Insubuy
First off, you’ll want to fill out the quote form. Be sure to enter your information as follows:
- Citizenship: US citizen
- Coverage Area: US or international including USA
It’s important to fill this information out correctly to get quotes for plans that will provide the coverage you need.
Once you’ve entered your information, you will see instant quotes for all the products for various deductibles and complete details for each plan. You can compare them side by side and make an instant purchase online.
Frequently Asked Questions About Medical Insurance for US Citizens Living Abroad Visiting US
Do US citizens need health insurance to visit the USA if they live abroad?
If you’re wondering “Do I need US health insurance if I live abroad?” the answer is yes! While it is not legally required, health insurance for US expats visiting the US is essential to protect you in case of an unplanned injury or illness.
What is the typical cost of travel insurance?
The typical cost of travel insurance will vary depending upon the plan you choose, plus the policy maximum and deductible you select, your age, and the length of your trip. Enter your information into our quote form for instant pricing!
How much in advance should I get travel insurance?
You should get visitors insurance that is effective the moment your major medical insurance ceases to be for geographic reasons, and then for the entire trip duration.
What is the recommended amount for travel insurance?
For younger visitors, we recommend a $250,000 policy maximum at minimum, though $500,000 or more is preferred. If you are in an age group where a policy maximum of $250,000 or higher is not available, select the highest policy maximum for your age.
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