For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What if I’m an international student or a foreign national living in the United States?
- What if I’m a US citizen living abroad?
- What if I’m a digital nomad and change countries frequently?
Your country of residence is the place where you legally reside, not necessarily your country of citizenship. It’s the place where you would want to be sent back home should you need to be evacuated for medical reasons or should you interrupt your trip.
To be eligible for travel insurance* coverage as a US resident, you must have a residential address and unrestricted right of entry into the US.
You must be able to provide documentation to prove your physical address (not a P.O. box) in the United States (for example, a valid US driver’s license, a government-issued ID or a utility bill in your name) and agree to be repatriated, if required, back to the state of residence named on your insurance plan. Please note that passports do not indicate US residency.
For the purposes of our policies, the USA is all US states, the District of Columbia and U.S. Military bases overseas. It does not include US Territories (Puerto Rico, Guam, Northern Mariana Islands, the US Virgin Islands, and American Samoa).
If you make a claim as a US resident, you must be able to produce travel documentation (e.g. airfare arrangements) showing you have departed the United States within the last 180 days for a single trip plan (45 days for the Annual Plan). This plan is not intended to cover indefinite travel or for trips within 100 miles from your home.
What if I’m an international student or a foreign national living in the United States?
You may purchase a World Nomads plan as a US resident as long as you meet the requirements above. Otherwise, you should buy your travel insurance plan under your country of citizenship.
What if I’m a US citizen living abroad?
If you’re a US citizen living abroad, you should purchase a plan under your current address. For example, if you’re a US citizen residing in France and decide to take a trip to Thailand, you should buy travel insurance as a French resident. Be sure to read the plan wording for residents of the country where you are living, as definitions of residence and requirements to prove residency may vary.
What if I’m a digital nomad and change countries frequently?
You should use your country of residence. If you have resided outside of the United States for a period exceeding 180 consecutive days, your classification as a US resident may be subject to change. Read your chosen plan carefully, and please reach out if you have any questions about what’s covered and what’s not. We’re happy to help.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Related Articles
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Within the USA & Canada toll free:
1-844-207-1930
From anywhere in the world, direct / collect:
+1-816-905-3963
Before your trip, check the latest government advice for any travel alerts for your destination.