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Reimbursement for loss of pre-paid, non-refundable payments.
Transportation to or between hospitals as needed.
Reimbursement of food and lodging expenses due to delay in travel.
Pays sum for lost or delayed luggage by airline.
Covers cost of treatment for sickness or injury during your vacation.
Travel insurance is very important and in fact the most important value addition that can be made to one's trip. The Covid19 pandemic and the war in Ukraine have made the value of travel insurance self-evident. Given the pandemic and war, traveling has become more challenging due to the many disruptions that are beyond ones control.
A US citizen covid travel medical insurance policy can protect the traveler from financial difficulty in the event of a medical emergency or accident. Some travel medical insurance plans also provide coverage for quarantine expenses should one test positive for Covid19 while traveling. In fact Covid quarantine travel insurance is being mandated by some countries while issuing travel visas.
Travel insurance with a focus on trip expenses provide financial security for trip related expenses like trip cancellation, trip delay, baggage loss and medical evacuation. Some travel insurance plans provide the option to 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Should the traveler cancel the trip because of a medical emergency, without travel insurance, they will be left stranded and responsible for all the costs associated with the trip. Having reliable travel insurance will ensure that the travelers can recoup some of the trip expenses should they face adverse circumstances during travel.
The Travel insurance offered by IMG is a three-tiered series of plans: Travel Lite, Travel SE and Travel LX. These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay. Travel LX insurance has Cancel for any reason’ benefit included and provides coverage up to $100,000 . The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. The Safe Travels Voyager insurance and Safe travels Explorer Insurance is quite popular as it offers Covid19 quarantine accommodation coverage. The Safe Travels First Class Trip Protection, and Safe Travels Voyager insurance have an optional benefit that is the 'Cancel for any Reason' which is available as a rider at an additional cost.
Compare Safe Travels Trip Protection insurance
Travel regulations in the US have been in a state of flux since the Covid19 pandemic with international travel continuing despite the Delta and Omicron variants. Fully vaccinated international travelers are allowed to the US by air, however they should produce poof of vaccine as well as provide a negative Covid19 test result taken less than 72 hours before boarding the US flight.
International travelers who are not vaccinated, including US citizens and US Green card holders need to take a Covid19 test 24 hours before flying to the US. Travelers should also complete contact details of their stay in the US. The one day testing requirement also applies for those travelers who cannot produce a proof of vaccination. According to the US Center for Disease Control (CDC), the US authorities will accept vaccines approved by the World Health Organization (WHO).
Given these circumstances, it is important to buy good travel insurance with Covid coverage. This becomes vital should the traveler be forced to Quarantine as a result of a positive Covid test. There are different factors that travelers can use to find the cheapest Covid travel insurance which are provided in our website.
Luckily, at American Visitor Insurance we have international travel insurance with Covid19 cover options for all travelers. There are several US companies that are covering COVID19 as any other illness on their pandemic travel insurance policies and, furthermore, will provide you with a letter specifying this travel medical insurance covid19 coverage (for visa purposes and to disembark in country).
We also have travel insurance that covers covid quarantine as required by certain countries to allow tourists. These plan options are changing all the time, so please check our latest blog for most updated options.
#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.
#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
US citizens have a long history of traveling and living in different corners of the globe going back to the 19th century. Americans began to travel all across the globe on business when there was an increase of whalers and clipper ships. Thousands of US Citizens from the South moved to Brazil after the American Civil War. During the treaty between the United States and Korea in 1882 many American traders began to settle in Asian countries. In the early 20th century after the Philippine -American War, the Philippines became the U.S territory and many Americans migrated to the Philippines and started living there.
During the first and second world wars many Americans moved towards Europe to be a part of cultural division. More recently, during the Cold war many American soldiers were sent in large groups to West Germany and South Korea. Americans also witnessed an increase in government programs that encouraged young Americans to go overseas to work. In 1946 the Fulbright Program was established to encourage cultural exchange between the US and other countries.
After the Cold war many new opportunities was available for US businessmen with the opening of Eastern Europe, Central Europe, and Central Asia. The United States of America having global dominance in the world economy many industries continued to grow in these new and upcoming markets. There is an increased number of US Citizens who move to other countries to work.
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!
There are also an increased number of Americans who choose to retire abroad given the lower cost of living in many nations. The 2007-2008 recession also prompted several young US Citizens to explore working opportunities abroad. In 2019 according to a Gallup poll report 16% of Americans aspire to live outside the United States.
Here is a list of countries with large US expat communities
| American Diaspora in other countries | |||||
|---|---|---|---|---|---|
| Mexico | 1,500,000 | Saudi Arabia | 40,000 | Canada | 1,000,000 |
| Argentina | 37,000 | India | 1,000,000 | Spain | 34,638 |
| Germany | 324,000 | Norway | 33,509 | Philippines | 220,000–600,000 |
| Bahamas | 30,000 | Israel | 200,000 | Russia | 30,000 |
| France | 150,000-200,000 | Lebanon | 25,000 | United Kingdom | 139,000–197,143 |
| Panama | 25,000 | Costa Rica | 130,000 | Dominican Republic | 24,457 |
| South Korea | 120,000–158,000 | El Salvador | 19,000 | China | 110,000 |
| New Zealand | 17,751 | Hong Kong | 70,000 | Ireland | 17,552 |
| Brazil | 60,000 | Honduras | 15,000 | Japan | 59,172-153,389 |
| Chile | 12,000 | Australia | 56,276 | Taiwan | 10,645 |
| Puerto Rico | 54,767 | Austria | 10,175 | Pakistan | 52,486 |
| Bermuda | 8,000 | Italy | 50,000–54,000 | Kuwait | 8,000 |
| UAE | 50,000 | Guatemala | 6,345 | Haiti | 45,000 |
| Nicaragua | 4,000 | ||||
Many US citizens working abroad appear to be happy with their career choices and work-life balance. Despite living outside the United States, US Citizens always like to keep retain strong ties back at home. Traditionally US expats travel often to the US to come together with family members, mainly during Thanksgiving and Christmas. These special holidays hold a great significance for US Citizens.
The holiday is focused on spending time with loved ones and developing stronger bonds with family and friends. While living away from home it is of paramount importance that one should have good US Expat insurance including Covid19 coverage, given the coronavirus pandemic. Health care is expensive in most developed countries. While visiting back, it is also important for US citizens to have travel insurance for visiting USA. Being forced to visit an US hospital without good medical insurance is scary. A good US travel medical insurance cover will provide coverage for unexpected medical emergencies that may occur while staying in the US.
American visitor insurance works with some of the best US insurance providers to offer insurance US citizens short term travel insurance with options for Covid and pre-existing conditions coverage. Buying US visitors’ medical insurance is easy at American Visitor Insurance. One can also get temporary travel health insurance for US citizens visiting the US for a few days. For more details call or email us for further assistance and one of our licensed agents will help you.
International travellers can compare and buy the best Covid 19 Quarantine lodging insurance plans:
Dear American Visitor Insurance staff,
Hi Cornelius,Complete the travel insurance quote form by providing traveler details and the insurance requirements.
Compare price and the benefits of the different travel insurance options to identify what fits your needs best.
Buy the plan that fits your needs and budget by using a credit card and completing the online application.
Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.
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 visitors health insurance.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of travel health insurance is directly dependant on the maximum medical coverage and inversely dependant on the deductible of the plan chosen.
Travel insurance depends on the coverage region. The cost for travel health insurance in some countries (USA …) is more expensive than others.
The longer the duration of visitor medical insurance required, the higher will be the cost.
Additional add-on benefits like adventure sports coverage will increase the cost of coverage.
USA Covid travel insurance requirements
Travel insurance for USA is recommended during the covid as it is uncertain and if anything goes wrong during the travel like sudden sickness of trip delays, cancellation, baggage loss. Covid travel insurance for USA will assure adequate coverage for most of the expenses. Following are the USA travel insurance plans satisfying requirements for US citizens.
