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Purchasing protection for traveling Americans should be a key consideration in your travel plans if you intend to journey anytime soon.
To start with, having American travel insurance ensures that you, as an American resident or citizen, will be covered if anything unexpected, such as a missed flight, lost suitcase, or a painful injury arises, whether you’re traveling abroad or in the States.
Additionally, American travel coverage protects you if any more severe issues emerge, such as sicknesses that necessitate evacuation or repatriation, all-natural disasters, or perhaps treatment for COVID-19. Nowadays, it’s particularly essential to have good travel insurance with COVID-19 protection when you travel.
If you want the best travel insurance for US citizens, look no further than Heymondo. Their policies offer the highest amount of coverage for the most reasonable price, and they are the only insurance provider that pays your medical expenses directly instead of necessitating you to submit a claim.
For four years we`ve traveled with Heymondo and utilized their assistance services on some occasions. So rest assured they offer not just the best coverage for price but always strive to aid travelers in need!
However, there are other companies worth considering. To summarize, the following are top-rated American travel insurance providers:
- Heymondo, the best travel insurance for Americans
- World Nomads, an affordable travel insurance for US inhabitants
- IMG, comprehensive international travel coverage for US citizens
- Trawick International, an inexpensive medical insurance choice for Americans traveling abroad
- Another recommended American travel insurance provider is AIG
- Travelex, a reliable US resident travel insurance
Table of Contents
Travel Insurance for Americans Comparison
It is totally possible to locate affordable travel insurance for Americans as long as you grasp the different factors that can impact travel insurance for US citizens.
The cost of American travel insurance will always be affected by your age. Plans for senior travel insurance are consistently more expensive since illnesses or injuries tend to be more likely. The state where you live will also impact the price of your US resident travel insurance since some US travel insurers may only offer certain types of coverage to residents of specific states.
Moreover, how long your trip lasts and what it costs will influence the price of travel protection for American residents. Lengthier, costlier trips will carry pricier American travel insurance.
Finally, the nation/nations to which you are traveling will also affect the cost of your travel insurance for US residents. If you require Schengen travel insurance for US residents, you can consult our guide to travel insurance for Europe.
For our comparison on travel insurance for Americans, we are utilizing the example of a 30-year-old citizen from Pennsylvania who is traveling to Mexico for two weeks and whose trip costs $2,500.
|
Cost |
$70.75 |
$68.63 |
$77.00 |
$60.12 |
$116.35 |
$76.00 |
|
COVID Coverage |
✔️ |
✔️ |
✔️ |
✔️ |
✔️ |
✔️ |
|
Emergency Medical Costs |
$250,000 |
$100,000 |
$150,000 ($20,000 for some states) |
$150,000 ($20,000 for some states) |
$15,000 |
$15,000 |
|
Medical Transport & Repatriation |
$500,000 |
$300,000 |
$500,000 ($100,000 for some states) |
$500,000 ($100,000 for some states) |
$150,000 |
$100,000 |
|
Trip Cancellation |
$3,500 |
$2,500 |
100% reimbursement of $2,500* |
100% reimbursement of $2,500* |
100% reimbursement of $2,500* |
100% reimbursement of $2,500* |
|
Trip Interruption |
$2,500 |
$2,500 |
Up to 150% of $2,500*
(100% for some states) |
Up to 150% of $2,500* (100% for some states) |
100% of $2,500* |
100% of $2,500* |
|
Loss of Luggage |
$1,700 |
$1,000 |
$1,500 |
$750 |
$750 |
$500 |
|
BEST TRAVEL INSURANCE FOR AMERICANS |
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*Cost utilized for example.
Of the two mid-range hotels in the entire Roma Norte area with high ratings, Hotel MX is one. Hotels MX is a company with locations throughout Mexico, containing numerous hotels in Mexico City as the name implies.
1. Heymondo, the best travel insurance for Americans
The optimum traveling protection for US citizens is indubitably Heymondo. Their Top plan offers the maximum amount of coverage in every single class whilst remaining affordably priced, giving Heymondo the best protection-to-price ratio.
Heymondo is also the sole American travel insurance company that doesn’t necessitate you paying for your own medical costs initially before reimbursing you. Instead, they pay the hospital or medical treatment center straightaway, so you don’t have to pay a single penny out of your personal funds or submit a claim. It’s the speediest and most convenient approach to handle your medical expenses.
Additionally, you can customize your Heymondo plan to include electronic and adventure sports coverage, so their plans are adaptable enough to be adjusted to suit your travel needs, whether you need insurance for US citizens traveling to Australia or insurance for US citizens visiting Canada.
| Advantages | Disadvantages |
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We wouldn’t advise usage of travel protection for Americans that we hadn`t attempted and enjoyed ourselves. In actuality, we’ve been utilizing Heymondo for years and have always experienced an excellent time, which you can read more about in our Heymondo travel protection guide.
Best of all, you can obtain your Heymondo package at an even more affordable cost, since all of our readers receive 5% off Heymondo with the discounted connection below.
2. World Nomads, a cheap travel insurance for US residents
One of the most affordable ways to find coverage for residents of America who travel is World Nomads. Their reasonable priced Standard plan offers a high level of protection in all categories, from costs of emergency medical care to lost baggage.
World Nomads’ travel protection for US citizens even involves coverage for adventure activities and sports, so you won’t need to fret about paying extra if your trip is particularly stimulating.
However, you can get substantially more coverage for Emergency Medical Expenses, Medical Evacuation and Repatriation, Trip Cancellation, and Baggage Loss for just a slightly higher price with Heymondo (although Heymondo insurance actually works out to be cheaper than World Nomads with the 5% discount!).
Ultimately, World Nomads is the best travel insurance for US citizens who plan on having energetic and active vacations.
| Advantages | Disadvantages |
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3. IMG, comprehensive international travel insurance for US citizens
IMG is another excellent choice for American travel insurance for trips abroad. The cost of their iTravelInsured Travel SE plan is reasonably affordable and provides a high level of coverage in all key areas, especially medical evacuation and repatriation, trip interruption, and lost baggage.
The iTravelInsured Travel SE plan can be customized to optionally encompass Car Rental Coverage, which is ideal if renting a vehicle is part of your itinerary. The plan also features Cancel for Work Reasons protection, ensuring you are covered should work obligations necessitate cancelling your trip.
However, one huge constraint of IMG travel insurance for American inhabitants is that coverage sums fluctuate extensively depending on your state of residence. For instance, Emergency Medical Expenses coverage can be as low as $20,000 for inhabitants of some states and as high as $150,000 for inhabitants of other states.
IMG Insurance covering medical costs for Americans traveling abroad is a sensible option if living in states providing high-level protection, however otherwise, choosing a similarly priced plan without dependence on residential location often proves best.
| Advantages | Disadvantages |
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4. Trawick International, a cheap travel insurance for Americans
If wanting the most economical US resident travel insurance,Trawick International is the American travel coverage option.
The Safe Travels Explorer Plus plan presented the most affordable option in our comparison, containing Cancellation and Interruption coverage on par with costlier plans. Adding Cancel for Any Reason also ensures reimbursement when trips cancel due to reasons beyond illness, death, or weather.
Nevertheless, Trawick’s travel insurance for Americans provides comparatively low coverage for Emergency Medical Expenses and Baggage Loss, particularly for its price. You can obtain much higher overall coverage for not much more money with Heymondo.
| Advantages | Disadvantages |
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5. AIG, another good American travel insurance
AIG is yet another excellent international travel insurance for US citizens, particularly those with pre-existing medical conditions. Their plans include a waiver for pre-existing conditions, so as long as you fulfill the plans’ standards, you can rest assured that AIG is one of the top travel insurance options for pre-exisiting conditions.
Their Travel Guard Essential plan delivers good Trip Cancellation and Trip Interruption coverage but protection for Emergency Medical Expenses, Medical Evacuation and Repatriation, and Baggage Loss has quite low limits. You can purchase a Medical Coverage Upgrade, which does cost extra.
Considering this plan is the costliest of all those that were compared, it should have the highest protection, but you can in fact secure much greater coverage for a cheaper price from another American travel insurance company, like Heymondo.
| Advantages | Disadvantages |
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6. Travelex, a reliable US resident travel insurance
A final option for individuals seeking medical protection while traveling abroad is Travelex. Their Travel Basic plan simply provides basic coverage.
The plan offers good Trip Cancellation and Trip Interruption coverage and is rather reasonably priced. It also encompasses a Frequent Traveler Benefit, which implies if you utilize points or miles to pay for your travel expenses and you are compelled to cancel your trip, you can obtain reimbursed for redepositing fees.
However, the Travel Basic plan has quite low protection for Emergency Medical Expenses, Medical Evacuation and Repatriation, and Baggage Loss. If you don`t care about having a high amount of coverage in these categories, then Travelex can work for you, but if you prefer a higher amount of coverage, you can find that for an even lower price with an American travel insurance provider like Heymondo.
| Advantages | Disadvantages |
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Travel insurance for US citizens and Resident coverage
Wondering what kinds of coverage are included with insurance for American residents and citizens traveling? American travel insurance protection encompasses travel and medical categories and can be utilized for international and/or domestic trips. The primary coverage classes are:
Medical Expenses
One of the most important aspects of US citizen travel protection is emergency healthcare expenditure coverage. You could ingest contaminated food, fracture a bone, or fall ill while traveling, so it’s always safest to have some kind of travel healthcare insurance. That way, you won’t need to pay for any emergency healthcare expenses from your own funds.
If you’re not persuaded about travel insurance and would prefer to save more and focus on travel medical coverage only, you can obtain travel health insurance for US residents instead.
Alterations to Scheduled Travel Plans Involving Delays, Interruptions, and Cancellations
If your trip plans were in danger of falling through due to unforeseen circumstances, travel insurance for US citizens would provide protection. This includes if you became ill and required quarantine or your flight was delayed owing to inclement weather, your American resident travel insurance would reimburse you for trip costs resulting from the delay, interruption, or cancellation.
Evacuation and Repatriation
You could become extremely sick in an area that lacks the necessary equipment or foundation to treat you, which means you would need to be transported by medical practices to the closest hospital that could provide you with appropriate care.
American journey cover’s clinical airlift coverage signifies that you won’t have to pay any charges for airlifting or try to organize an evacuation yourself.
Furthermore, if the worst comes about, repatriation coverage will protect your remains being brought back to your homeland.
Baggage Loss
Delay, harm, or loss of luggage can rather commonly come about when traveling, therefore possessing travel coverage for United States citizens is incredibly practical for when your suitcase does not arrive. Rather than needing to personally pay for and replace all of your valuables and vacation clothes, your American travel insurance provider can reimburse you for the worth of your items.
What is the Best Travel Insurance for US Citizens?
Your American travel insurance needs may vary depending on whether you are jetting off to an international locale, road tripping around the United States, or doing some combination of the two. Whatever your destination is, make certain you have some kind of travel insurance for Americans so that you’re protected no matter what transpires.
By choosing Heymondo for your travel protection as an American traveler, you won`t need to stress yourself with processing insurance claims if you face any unexpected medical issues during your trip since Heymondo takes care of all related matters. You can travel worry-free knowing you have comprehensive coverage for problems such as lost luggage, flight delays or needing to change your travel plans.
Don’t forget that you can get Heymondo for an even more affordable cost with our reader discount.
I hope you feel like you know everything there exists to know about travel insurance for Americans. If you have any questions, don’t hesitate to put them in a comment below!
