I am a US citizen living in Korea since 2007. I will be visiting the US for five months, then returning to Korea. How do I find travel insurance for the period I am in the US?
This question, Health insurance for American living abroad visiting the USA, seems similar but the insurance I need is slightly different:
- general coverage
- more long-term (I have found travel insurance that would cover me for up to 45 days.)
My main concern is unforeseen medical care that would be too costly for me to pay for.
It seems most travel insurance companies exclude US citizens visiting the US to avoid legal complexity:
... a US Citizen inside the USA is the domain of domestic insurance, which can be a regulatory nightmare for insurance companies, and thus they simple opt not to get involved.
Two things I am currently investigating are:
- global insurance plans that include the US
- travel insurance from Korean companies
I would be willing to get domestic US health insurance, but most plans require a minimum period of residency before I am eligible.