Question 1

Do expats need travel insurance to visit their own country?

Accepted Answer

Yes. US citizenship does not give you free emergency care or domestic health coverage. If you reside abroad and do not pay into an active US domestic plan or qualifying Medicare program, any hospital visit in America is billed entirely to you at full uninsured rates.

Question 2

How much does travel medical insurance cost?

Accepted Answer

For a short trip, usually $15-$50 depending on coverage limits and deductible. Mine was $17.

Question 3

Does travel insurance actually cover appendicitis?

Accepted Answer

Yes, if it's a new condition (not pre-existing). Mine was covered in full.

Question 4

Can the insurance pay the hospital directly?

Accepted Answer

Yes. Seven Corners handled direct pay for my stay. I only paid the deductible at time of service.

I Paid $17 for Travel Insurance for expats visiting the USA. It Covered My $42,000 Emergency Surgery.

Does Travel Insurance Actually Work? I Filed 6 Travel Insurance Claims From One Trip. 5 Paid Out (so far).