If you are a US Expat who is living abroad, outside the USA, then you will most likely often travel back to America to visit friends and family throughout the year. Most of the time, your international health insurance plan will provide worldwide coverage including the USA – however, this may not always be the case. For example, if you are currently covered under a domestic health insurance plan in your host country, or you simply have an international plan that covers you around the world but excluding the USA to keep costs down – you have an issue when traveling back to the USA.
A Travel Insurance Plan for American Expats Returning to the USA for a Visit
The simple answer would be to purchase a travel insurance plan for the short 2 weeks when you are back in the USA – however, you will most likely run into the issue that nearly all travel insurance plans will not cover a US Citizen who needs coverage back in the USA. Why? Well, there are a couple of reasons why they do not provide coverage but essentially a US Citizen inside the USA is the domain of domestic insurance, which can be a regulatory nightmare for insurance companies, and thus they simply opt not to get involved.
There is, however, an option! The IMG Patriot Travel Insurance plan will provide coverage for a US Citizen traveling back to the USA – as long as they have resided outside the USA for 6 months and they have a primary insurance plan. The travel back to the USA should also only be for short-term coverage and not if you want to permanently move back home to America.
Patriot America Plan
The Patriot Plan is another good option. Similar to the Liaison International plan, coverage is designed for travel outside of your home country. The maximum number of days you are covered as a US citizen in the USA will be 60 days. To verify your eligibility, you will be asked three questions:
- Are you currently residing in the USA (Required Answer: No)
- Have you been living outside of the USA for at least the last six months (Required Answer: Yes)
- Do you have an existing health insurance plan in your foreign residence country (Required Answer: Yes)
Residing Abroad: What is my home country? It is the country where you have your true, fixed, and permanent home and principal establishment.
The IMG Patriot Travel Insurance plan offers single trip insurance coverage up to 60 days when you include the citizen return rider. For more information about the travel insurance plan, please check out the IMG Patriot plan in greater detail.