A Guide to Travel Insurance for Non-US Citizens

Shawn Plummer

CEO, The Annuity Expert

If you are a non-US citizen traveling in the United States, it is essential to have travel insurance. In addition, if something happens while you are here, you will want to ensure you are covered. This guide will discuss the different types of travel insurance available to non-US citizens and help you decide which is right for you.

Confused About Travel Insurance?

Need clarity on travel insurance? Discover the essentials in our Learning Lab. Your safe journey starts here.

Understanding travel insurance for non-US citizens

Travel insurance is a type of insurance policy that covers unexpected events related to your trip, such as medical emergencies, trip cancellations, trip interruptions, or lost luggage. The policy may also cover other services, such as emergency medical evacuation, 24/7 travel assistance, or rental car protection. However, not all travel insurance policies are the same, and the coverage, cost, and requirements may vary depending on your nationality, residency status, age, trip duration, and other factors.

Best Health Insurance For Non-Us Citizens

Types of travel insurance for non-US citizens

There are several types of travel insurance policies available for non-US citizens, including:

  • International travel medical insurance: This policy covers medical emergencies, accidents, or illnesses that occur during your trip, such as hospitalization, surgery, prescription drugs, or emergency medical evacuation. It may also cover pre-existing conditions, sports injuries, or pregnancy-related complications. Some policies may have deductibles, copayments, or exclusions, so read the fine print carefully before choosing a plan.
  • Trip cancellation/interruption insurance: This policy reimburses you for prepaid expenses, such as airfare, hotels, or tours, if you have to cancel or interrupt your trip due to unforeseen events, such as illness, injury, death, or natural disasters. It may also cover additional expenses like returning home or rebooking your trip. However, not all policies cover cancellations or interruptions, so check the policy details to avoid surprises.
  • Comprehensive travel insurance: This policy combines medical and trip protection, covering medical emergencies and trip-related events, such as cancellations, interruptions, or baggage loss. It may also include additional benefits, such as emergency travel services, travel delay coverage, or rental car protection. However, this type of policy may be more expensive than other options.

Requirements and restrictions for non-US citizens

To purchase travel insurance as a non-US citizen or resident, you may need to meet specific requirements and provide some documentation, such as:

  • Proof of travel itinerary and duration: You may need proof of your travel plans, including your destination, departure and return dates, and trip duration.
  • Proof of medical insurance: Some policies may require primary medical insurance in your home country or a minimum level of coverage for your trip.
  • Proof of visa or immigration status: If you’re traveling to the US, you may need a valid visa or immigration status that allows you to enter and stay there.
  • Age restrictions: Some policies may have age limits or exclusions for older travelers or those with pre-existing medical conditions.

Best travel insurance options for non-US citizens

Choosing the best travel insurance policy for your needs and budget can be daunting, especially if you’re unfamiliar with the market. Here are some of the best options for non-US citizens and residents:

  • IMG Global: IMG Global offers several international travel medical insurance plans for individuals and families, with flexible options for trip duration, coverage limits, and deductibles. They also provide 24/7 customer support and online claims management.
  • GeoBlue (Blue Cross Blue Shield): This company offers travel insurance policies, including medical coverage, trip protection, and comprehensive plans. They also offer additional benefits like adventure sports coverage, rental car protection, and worldwide emergency assistance.
  • Atlas Travel Insurance: HCC Medical Insurance Services offers this policy and covers medical emergencies, evacuations, and trip interruptions. In addition, it includes sports coverage and optional add-ons for hazardous activities or pre-existing conditions.
  • Allianz Global Assistance: This company offers travel insurance plans for non-US citizens, including medical and trip protection, rental car protection, and travel delay coverage. They also offer 24/7 customer support and online claims management.
  • AIG Travel Guard: This company offers a range of travel insurance plans for non-US residents, including medical and trip protection, emergency travel services, and concierge assistance. They also have optional add-ons for adventure sports or hazardous activities.
International Travel Insurance For Non Us Citizens

Health insurance options for non-US citizens

If you’re a non-US citizen or resident planning to stay in the US for a more extended period, such as for work or study, you may also need to consider health insurance options. Here are some of the best options for non-US citizens:

  • ACA-compliant plans: If you’re eligible for the Affordable Care Act (ACA), you may be able to enroll in an ACA-compliant health insurance plan through the healthcare.gov marketplace. These plans must cover essential health benefits and cannot exclude pre-existing conditions.
  • Short-term health insurance: If you need temporary health insurance coverage, you may consider a short-term health insurance plan, which can provide coverage for up to 364 days. These plans may be more affordable than ACA-compliant plans but may have limited benefits and exclusions.
  • International health insurance: If you’re not eligible for ACA-compliant plans or need coverage that extends beyond the US, you may consider an international health insurance plan. These plans can cover medical emergencies, illnesses, or injuries and optional add-ons for preventive, dental, vision, or maternity care.

Next Steps

Traveling can be an exciting and enriching experience, but it’s also essential to be prepared for unexpected events that may disrupt your plans or cause a financial burden. As a non-US citizen or resident, it’s crucial to have travel insurance that provides coverage for medical emergencies, trip cancellations, or lost luggage. Choosing a policy that meets your needs and budget and complies with the requirements and restrictions for non-US citizens is also essential. If you’re staying in the US longer, you may also need to consider health insurance options that provide medical care and treatment coverage. By choosing the right insurance plan, you can enjoy your travels with peace of mind and confidence in your financial protection.

Travel Insurance For Non Us Citizens

Request A Quote

Need help to find the best plan for your upcoming trip? No worries. Contact us below for a free quote.

The Annuity Expert – Travel Medical Insurance Inquiry

Frequently Asked Questions

Can foreigners buy travel insurance in the USA?

U.S.-based companies offer foreign visitors the option to purchase travel medical or visitor’s health insurance during their stay in America. This short-term coverage is essential due to our country’s astronomical healthcare fees – some of the highest costs globally!

Can you get insurance in the U.S. with a tourist visa?

Tourists should never travel to the United States without proper visitor visa medical insurance. With healthcare being expensive and unpredictable, having adequate coverage is essential for any international traveler. Fortunately, obtaining health insurance as a tourist is not only possible but highly recommended!

Can I buy travel insurance after arrival in the USA?

Although you can purchase insurance after your parents reach the U.S., there are a few drawbacks to waiting until they arrive. If an illness or injury occurs while traveling, they will not be protected if you don’t buy coverage before their journey begins.

What happens if a tourist gets sick in the USA?

In the event of an unexpected medical emergency during your journeys, don’t wait to ask for support. Instead, quickly contact the nearest U.S. Embassy or Consulate. They will provide you with a list of local healthcare professionals and medical facilities that can help you receive the necessary treatment swiftly – not forgetting to inform loved ones about your current situation if needed!

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

Scroll to Top