Confusion over travel insurance and residency questions
Let’s talk about travel insurance and residency / citizenship. We get a LOT of questions regarding the question: “I am a resident of…” on travel insurance applications and international health insurance. You may be living overseas, but the country you are residing in does not consider you a “resident,” but a tourist, or some other designation. You may still own a house back “home.” So, WHAT ARE YOU?
Primarily, for travel insurance purposes (and international health insurance purposes), let’s talk about where your trip is ORIGINATING FROM and where you will be RETURNING TO. (i.e. regardless of your “official status” or “political designation,” insurance is asking where you are physically living and where you actually are.
- If you receive mail overseas
- If you have been living overseas for 6 months or more
Then you are a “resident” of that nation where you are living/working in (for insurance purposes). Okay? We created a short video to help explain some of these terms at the bottom of this page.
Why this is so confusing
Online travel insurance companies that have no physical office, or agents to call on the phone, can make this hopelessly confusing to the simple traveler, which is why we ALWAYS RECOMMEND that you save yourself the headache and call us, or click LIVE CHAT, or email us at email@example.com to make things MUCH EASIER and LET US DO THE WORK of recommending the best plan and the best price to fit your unique circumstances.
If it was easy, everyone would be doing it
Of course, it’s easy when you are living in the USA or Italy, and are a citizen of that nation planning to travel overseas. Boom!
No problem. Anyone can offer you a good plan (They may not know that another company may actually offer you a better experience, or that you could get additional benefits at no additional cost, but at least you would be covered).
If you are not currently living in the same country you are a citizen of, that’s where it really helps to contact an expert like Good Neighbor.
1.) Residence. 2.) Citizenship. 3.) And lastly, the question “Where are you going?”
So if you are “not residing” in the USA, whether you are a U.S. citizen or not, that’s when selecting which insurance plan is best for you is going to depend on “Where are you going?” – Are you traveling back to your nation of citizenship? Trying to travel within the nation you are currently residing in? Or to a third location? We can help! In these cases, it’s ALWAYS going to be best if we chat with you as few minutes or ask an additional question or two, so that you get what you need,
What if you are not legally living in this country?
What about those not currently living in their country of citizenship/but also are residing illegally (politically) in the country they are in now? The insurance company does not care about legal status/illegal aliens, but only about where claims might be submitted. So illegal aliens can buy and use international health insurance without worrying about questions regarding political status.
Two additional things to know about travel insurance and residency / citizenship:
1.) Some international insurance plans are based on residency – Where you are living.
Some international insurance plans are based on citizenship – What passport you are traveling with/Birthplace/Nationality.
2.) Those living in U.S. Territories are for the most part regarded as U.S. Citizens and residing IN THE U.S. when filling out forms or travel insurance applications.
Again, if there is ANY QUESTION, let us help you or let us go to work for you. Travel insurance should not be confusing but questions of residency and nationality/citizenship usually confuse even those of us who travel a lot, or who reside abroad, for different periods of time.
Plans to fit every type of traveler from any nation to any nation
- WE HAVE PLANS TO HELP GHANAIANS WHO MAY BE LIVING IN ANOTHER COUNTRY TRAVEL EITHER BACK TO GHANA, OR TRAVEL TO A THIRD NATION.
- LIKEWISE, WE HAVE PLANS FOR AMERICANS LIVING ABROAD, AND ON A LOCAL NATIONAL HEALTH PLAN, TO COVER MEDICAL EMERGENCIES WHEN TRAVELING BACK TO AMERICA.
How to reach out to us for help:
Call us at 1 (480) 813-9100 or toll-free within the USA (not Arizona) at 1(866) 636-9100
Skype us at “Good Neighbor Insurance”
Live chat with us during regular business hours or leave us a message at https://lc.chat/now/9935045/
Email us at firstname.lastname@example.org
Usually, we will need to know the number of travelers, ages, where you are living now, where you are going, and the length of your trip in order to get you the exact information you are looking for. We generally ask these questions because your answers help us select the best insurance plan to fit you. If we are missing some of that information, we may still need to contact you (via email or…) so that we can answer your question or make a recommendation.
Hopefully, this helps answer the question regarding travel insurance and residency – “What do you mean by residency?”