how to choose the best travel insurance company

Best Travel Insurance for Americans & US Residents

If you're traveling this summer, check which travel insurance covers COVID-19 (test and treatment abroad). ALSO, NEW DELTA VARIANT!

Purchasing travel insurance for Americans should be a key consideration in your travel plans if you intend to travel anytime soon.

First of all, having American travel insurance ensures that you, as an American citizen or resident, will be covered if anything unexpected, such as a missed flight, lost suitcase, or a painful injury comes up, whether you’re traveling abroad or in the States.

Second, American traveler insurance covers you if anything more serious arises, such as illnesses that require evacuation or repatriation, natural disasters, or even treatment for COVID-19. Nowadays, it’s especially important to have good travel insurance with COVID-19 coverage 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 company that pays your medical expenses directly instead of making you file a claim.

We’ve been traveling with Heymondo for the last four years and have used their assistance services a couple of times. So, rest assured that they are not only the insurance with the best coverage-price ratio; they are always doing their best to help travelers in distress!

However, there are other companies that you may want to check. To sum it up, these are the best American travel insurance companies:

  1. Heymondo, the best travel insurance for Americans
  2. World Nomads, a cheap travel insurance for US residents
  3. IMG, comprehensive international travel insurance for US citizens
  4. Trawick International, a cheap travel insurance for Americans
  5. AIG, another good American travel insurance
  6. Travelex, a reliable US resident travel insurance

Travel Insurance for Americans Comparison

It is totally possible to find cheap travel insurance for Americans as long as you understand the different factors that can affect travel insurance for US citizens.

Your age will always affect the cost of American travel insurance. Seniors generally pay more, since they are more likely to suffer from illness or injury. The state you live in will also impact the price of your US resident travel insurance since some US travel insurance companies will only give coverage in certain categories to residents of specific states.

Additionally, the length and cost of your trip will affect the price of travel insurance for American residents. The longer and more expensive your trip, the more expensive your American travel insurance.

Finally, the country/countries where you are traveling will also impact the price of your travel insurance for US residents. If you need Schengen travel insurance for US residents, you can consult our guide to travel insurance for Europe.

For our American travel insurance comparison, we are using the example of a 30-year-old American from Pennsylvania who is traveling to Mexico for two weeks and whose trip costs $2,500.

 

Heymondo Top

World Nomads Standard

IMG iTravelInsured Travel SE

Trawick International Safe Travels Explorer Plus

AIG TravelGuard Essential

Travelex Travel Basic

Price

$70.75

$68.63

$77.00

$60.12

$116.35

$76.00

COVID Coverage

✔️

✔️

✔️

✔️

✔️

✔️

Emergency Medical Expenses

$250,000

$100,000

$150,000 ($20,000 for some states)

$150,000 ($20,000 for some states)

$15,000

$15,000

Medical Evacuation & 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% of $2,500*

100% of $2,500*

100% of $2,500*

100% of $2,500*

Trip Interruption

$2,500

$2,500

150% of $2,500*

(100% for some states)

150% of $2,500* (100% for some states)

100% of $2,500*

100% of $2,500*

Baggage Loss

$1,700

$1,000

$1,500

$750

$750

$500

BEST TRAVEL INSURANCE FOR AMERICANS

*Price used for example.

Keep in mind that the price of your travel insurance for Americans will also be affected if you need coverage in the US as well as internationally. Domestic travel insurance is your best bet if you are traveling within the US.

1. Heymondo, the best travel insurance for Americans

The best travel insurance for US citizens is definitely Heymondo. Their Top plan offers the highest amount of coverage in every single category while remaining affordably priced, giving Heymondo the best coverage-to-price ratio.

heymondo american travel insurance

Heymondo is also the only American travel insurance company that doesn’t make you pay for your own medical expenses first before reimbursing you. Instead, they pay the hospital or medical treatment center directly, so you don’t have to pay a penny out of your own pocket or file a claim. It’s the quickest and most convenient way to handle your medical expenses.

Additionally, you can customize your Heymondo plan to include electronic and adventure sports coverage, so their plans are flexible enough to be adjusted to suit your travel needs, whether you need travel insurance for US citizens traveling to Australia or travel insurance for US citizens visiting Canada.

PROS CONS
  • Best coverage-to-price ratio
  • Highest coverage in all categories
  • Affordable price
  • The only insurance company that pays directly for medical expenses
  • Not the lowest-priced insurance

We wouldn’t recommend travel insurance for Americans that we hadn’t tried and loved ourselves. In fact, we’ve been using Heymondo for years and have always had a fantastic experience, which you can read more about in our Heymondo travel insurance guide.

Best of all, you can get your Heymondo plan for an even more affordable price, since all of our readers get 5% off Heymondo with the discount link below.

2. World Nomads, a cheap travel insurance for US residents

One of the most affordable travel insurance for American residents is World Nomads. Their reasonably priced Standard plan provides a high level of coverage in all categories, from Emergency Medical Expenses to Baggage Loss.

worldnomads travel insurance american

World Nomads’ travel insurance for US citizens even includes coverage for adventure sports and activities, so you won’t have to worry about paying extra if your trip is especially adrenaline-filled.

However, you can get much higher coverage for Emergency Medical Expenses, Medical Evacuation and Repatriation, Trip Cancellation, and Baggage Loss for just a few dollars more 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 sporty and active vacations.

PROS CONS
  • Well-priced
  • A good amount of coverage in all areas
  • Adventure Sports and Activities coverage
  • Can get higher coverage in all categories with insurance that’s just about the same price (Heymondo)
  • You will need to pay your medical expenses upfront and make a claim to get a reimbursement after your trip

GET A QUOTE

3. IMG, comprehensive international travel insurance for US citizens

IMG is another excellent option for American traveler insurance. The price of their iTravelInsured Travel SE plan is quite affordable and they provide a relatively high amount of coverage in all categories, particularly Medical Evacuation and Repatriation, Trip Interruption, and Baggage Loss.

The iTravelInsured Travel SE plan can be customized to include Rental Car Coverage, which is perfect if you plan on renting a car. The plan also includes Cancel for Work Reasons coverage, so you will be covered if you need to cancel your trip due to an unexpected work-related reason.

img best travel health insurance for us citizens

However, one huge limitation of IMG travel insurance for American residents is that coverage amounts vary widely based on your state of residence. For instance, Emergency Medical Expenses coverage can be as low as $20,000 for residents of some states and as high as $150,000 for residents of other states.

IMG travel insurance for Americans is a great choice if you are lucky enough to live in one of the states that are entitled to high coverage, but otherwise, you are better off choosing a similarly priced plan with coverage that is not based on state residence.

PROS CONS
  • Good amount of coverage in all categories
  • Reasonably priced
  • You can add Rental Car Coverage
  • Cancel for Work Reasons covered
  • Coverage for Emergency Medical Expenses, Medical Evacuation and Repatriation, and Trip Interruption is much lower for residents of certain states
  • Can get better coverage for Emergency Medical Expenses and Baggage Loss for a lower price
  • You will need to pay your medical expenses upfront and make a claim to get a reimbursement after your trip

4. Trawick International, a cheap travel insurance for Americans

If you want to get the cheapest possible US resident travel insurance, Trawick International is the American travel insurance for you.

trawick international travel insurance american

The Safe Travels Explorer Plus plan is the most affordable of all the plans we compared, and their Trip Cancellation and Trip Interruption coverage is as good as other, more expensive plans. You can even add Cancel for Any Reason coverage to make sure that you get reimbursed if you have to cancel your trip for a reason that’s not as serious as illness, death, or inclement weather.

Nevertheless, Trawick’s travel insurance for Americans offers rather low coverage for Emergency Medical Expenses and Baggage Loss, particularly for its price. You can get much higher overall coverage for not much more money with Heymondo.

PROS CONS
  • Most affordable
  • Good Trip Cancellation and Trip Interruption coverage
  • Low Emergency Medical Expenses and Baggage Loss coverage
  • Can get much higher coverage in all categories for not much more money
  • You will need to pay your medical expenses upfront and make a claim to get a reimbursement after your trip

5. AIG, another good American travel insurance

AIG is yet another great international travel insurance for US citizens, especially ones who have pre-existing conditions. Their plans include a pre-existing condition waiver, so, as long as you meet the plans’ requirements, you can rest assured that your pre-existing conditions will be covered by AIG.

aig travelguard us citizen travel insurance

Their Travel Guard Essential plan provides good Trip Cancellation and Trip Interruption coverage, but their coverage for Emergency Medical Expenses, Medical Evacuation and Repatriation, and Baggage Loss is quite low. You can purchase a Medical Coverage Upgrade, but it does cost extra.

Considering this plan is the most expensive of all the ones we compared, it should have the highest coverage, but you can actually get much higher coverage for a lower price from another American travel insurance company, like Heymondo.

PROS CONS
  • Good Trip Cancellation and Trip Interruption coverage
  • Pre-existing condition waiver
  • Most expensive
  • Low coverage for Emergency Medical Expenses and Evacuation and Repatriation
  • Can get Medical Coverage Upgrade, but that costs even more
  • Can get higher coverage from another insurance company for a much lower price
  • You will need to pay your medical expenses upfront and make a claim to get a reimbursement after your trip

6. Travelex, a reliable US resident travel insurance

A final option for travel insurance for Americans is Travelex. Their Travel Basic plan is exactly as described: basic.

travelex travel insurance for americans

The plan offers good Trip Cancellation and Trip Interruption coverage and is rather reasonably priced. It also includes a Frequent Traveler Benefit, which means if you use points or miles to pay for your travel expenses and you are forced to cancel your trip, you can get reimbursed for redepositing fees.

However, the Travel Basic plan has very low coverage 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 want a higher amount of coverage, you can find that for an even lower price with an American travel insurance company like Heymondo.

PROS CONS
  • Pretty affordable price
  • Good Trip Cancellation and Trip Interruption coverage
  • Low Emergency Medical Expenses, Medical Evacuation and Repatriation, and Baggage Loss coverage
  • Overall coverage is quite basic
  • Can get better coverage for an even lower price
  • You will need to pay your medical expenses upfront and make a claim to get a reimbursement after your trip

Travel insurance for US citizens and Resident coverage

Wondering what travel insurance for American citizens and residents covers? American travel insurance coverage encompasses travel- and medical-related categories and can be used for international and/or domestic trips. The main coverage categories are:

One of the most important aspects of US resident travel insurance is emergency medical expense coverage. You could get food poisoning, break a bone, or fall ill while traveling, so it’s always safest to have some kind of travel medical insurance. That way, you won’t have to pay for any emergency medical expenses out of your own pocket.

If you’re not sold on travel insurance and would prefer to save more and focus on travel medical coverage only, you can purchase travel health insurance for US citizens instead.

Worried that your trip plans could fall through? Trip delay, interruption, and cancellation are all covered by travel insurance for American citizens.

That means if you fall ill and are forced to quarantine or your flight is delayed due to bad weather, your US resident travel insurance will reimburse you for trip costs resulting from the delay, interruption, or cancellation.

You could fall seriously ill in an area that doesn’t have the necessary equipment or infrastructure to treat you, which means you would have to be medically evacuated to the nearest hospital that could give you appropriate treatment.

American travel insurance’s medical evacuation coverage means that you won’t have to pay any fees for airlifting or try to arrange an evacuation yourself.

Furthermore, if the worst happens, repatriation coverage will cover your remains being returned to your home country.

Luggage delay, damage, and loss can be quite a common occurrence when traveling, so having travel insurance for Americans is incredibly useful for when your suitcase doesn’t turn up. Instead of having to pay for and replace all of your valuables and vacation clothes yourself, your American travel insurance company can reimburse you for the value of your items.

What is the Best Travel Insurance for US Citizens?

Your American travel insurance needs may vary based 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 sure you have some kind of travel insurance for Americans so that you’re covered no matter what happens.

With the best travel insurance for US citizens, Heymondo, you won’t have to worry about filing a claim if you suddenly fall ill, since Heymondo will take care of everything for you. You can also rest assured that you’ll have a high amount of coverage if your luggage gets lost, if your flight gets delayed, or if you have to cancel your trip.

Don’t forget that you can get Heymondo for an even more affordable price with our reader discount.

I hope you feel like you know everything there is to know about travel insurance for Americans. If you have any questions, don’t hesitate to put them in a comment below!

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COFOUNDER & TRAVEL JUNKIE

Hi, I'm Ascen, a globetrotter based in Philadelphia, USA. I enjoy exploring new landscapes and creating in-depth travel guides for Capture the Atlas.

I have felt a special connection with nature and all the inhabitants of the planet since I was a kid. I am passionate about discovering new countries and especially their wildlife, but no matter how many places I visit, I will always belong to the remote beaches of Almería, in Southern Spain.

You can know a little more about me here.

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