The table below shows you at a glance which company provides the most comprehensive coverage for the Home Country Coverage element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

View full coverage summary for Home Country Coverage for the policies below

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

1

Beacon America incl US
Azimuth Risk Solutions, LLC

Home Country Coverage Benefits
14 days per 3 months

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22.6 QUICK TRIP HOME COUNTRY COVERAGE — For each ninety (90) days during which a US citizen is covered hereunder, the US citizen is covered for Medical Expenses only during quick trips totaling no more than fourteen (14) days duration per ninety (90) day period of coverage. Quick visit time must be used within the ninety (90) days period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining Treatment of an Illness or Injury that began while traveling. Subject to a minimum ninety (90) days plan purchase.

2

Beacon International excl US
Azimuth Risk Solutions, LLC

Home Country Coverage Benefits
14 days per 3 months

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22.6 QUICK TRIP HOME COUNTRY COVERAGE — For each ninety (90) days during which a US citizen is covered hereunder, the US citizen is covered for Medical Expenses only during quick trips totaling no more than fourteen (14) days duration per ninety (90) day period of coverage. Quick visit time must be used within the ninety (90) days period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining Treatment of an Illness or Injury that began while traveling. Subject to a minimum ninety (90) days plan purchase.

GeoBlue
GeoBlue

3

Voyager Choice
GeoBlue

Home Country Coverage Benefits
No coverage

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There is no Home Country Coverage with this plan.

4

Voyager Essential
GeoBlue

Home Country Coverage Benefits
No coverage

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There is no Home Country Coverage with this plan.

HCC Medical Insurance Services
HCC Medical Insurance Services

5

Atlas International excl US
HCC Medical Insurance Services

Home Country Coverage Benefits
15 days per 3 months

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HOME COUNTRY COVERAGE

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Underwriters will pay Eligible Medical Expenses, as defined herein, which are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the Injury or Illness that began while the Certificate was in effect.

Incidental Home Country Coverage – For Citizens and legal residents of the U.S, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period.. For Non-U.S. residents or Non-U.S Citizens, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the member’s home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single 3 month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

HTH Travel Insurance
HTH Travel Insurance

6

TravelGap Voyager excl US
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

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There is no Home Country Coverage with this plan.

7

TravelGap Excursion excl US
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

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There is no Home Country Coverage with this plan.

Seven Corners Inc
Seven Corners Inc

8

Liaison Continent excl US
Seven Corners Inc

Home Country Coverage Benefits
5 days per 1 month purchased $50,000 per person

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Home Country Coverage: Incidental Trips to Your Home Country: This Policy shall pay Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of 30 days per one hundred and eighty-seven (187) days of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage. This benefit is not available for purchases of less than 30 days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intentions. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after a completed one hundred and eighty-seven (187) day Period of Coverage. If You choose to purchase a new one hundred and eighty-seven (187) day Period of Coverage, the earning of incidental days will start over again, i.e. 5 days for every month that You purchase, allowing up to a maximum amount of 30 days per one hundred and eighty-seven (187) days of purchased coverage. For this benefit, the Medical Maximum is reduced to the maximum stated in the SCHEDULE OF BENEFITS, minus Your Deductible and selected Coinsurance option (Plan A, B, E, or F). The incidental trip to Your Home Country must not be for the purpose of obtaining treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

Extension of Benefits: This Policy shall pay Eligible Benefits incurred in Your Home Country up to the maximum stated in the SCHEDULE OF BENEFITS, minus Your Deductible and selected Coinsurance option (Plan A, B, E, or F), for one hundred and eighty days (180) from the onset of a new covered Injury or Illness that begins while you are traveling and is first diagnosed and treated outside Your Home Country. In order to receive benefits, the Injury or Illness must be first diagnosed and treated outside Your Home Country.

If Seven Corners Assist evacuates/repatriates you to your Home Country for a Covered Injury or Illness, the maximum stated in the SCHEDULE OF BENEFITS for Extension of Benefits does not apply to the Medical Benefits. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

9

Liaison Majestic excl US
Seven Corners Inc

Home Country Coverage Benefits
5 days per 1 month purchased $50,000 per person

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Home Country Coverage

Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (Maximum 60 days per of three hundred and sixty-four (364) days of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage, not available for purchases less than 0 days). You must first depart your Home Country in order to utilize this benefit and it does not apply to the final trip home. In the event of a claim, you may be required to provide proof of your travel intentions. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after a completed of three hundred and sixty-four (364) day Period of Coverage. If you choose to renew beyond a three hundred and sixty-four (364) day Period of Coverage, the earning of incidental days will start over again, i.e. 5 days for every month that you purchase, allowing up to a maximum amount of 60 days per three hundred and sixty-four (364) days Period of Coverage. Maximum benefit is reduced to the maximum stated in the SCHEDULE OF BENEFITS for any Illness or Injury occurring while on an incidental Trip to your Home Country.

Extension of Benefits: This Policy shall pay for Covered Expenses incurred in your Home Country up to the maximum stated in the SCHEDULE OF BENEFITS, minus Your Deductible and Coinsurance, for one hundred and eighty days (180) from the onset of a new covered Injury or Illness that is first diagnosed and treated outside Your Home Country.

If Seven Corners Assist evacuates/repatriates you to your Home Country for a Covered Injury or Illness, the maximum stated in the SCHEDULE OF BENEFITS for Extension of Benefits does not apply to the Medical Benefits. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

10

Liaison International excl US
Seven Corners Inc

Home Country Coverage Benefits
5 days per 1 month purchased $50,000 per person

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HOME COUNTRY COVERAGE ( Incidental Trips to the Home Country ):

The Policy covers Eligible Benefits related to a new covered Injury or Illness that begins while the Plan Participant is on an incidental trip to the Home Country. For this benefit, a Plan Participant receives a maximum of seven (7) days per forty-five (45) days of purchased coverage or pro rata thereof – example: approximately one (1) day per six (6) days of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. The Plan Participant must first depart the Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, a Plan Participant may be required to provide proof of travel intentions. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after the Expiration Date. For this benefit, the medical maximum is as stated in the Schedule of Benefits, minus the Deductible and Coinsurance. The incidental trip to the Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

Trawick International
Trawick International

11

Safe Travels USA
Trawick International

Home Country Coverage Benefits
Optional coverage

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Home Country/Follow Me Home Coverage

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 100% up to the $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 100% up to the $5,000 maximum. 

This Benefit does not apply when an Emergency Evacuation has occurred.

This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave your Home Country.

In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety –

35. expenses incurred in your Home Country;

and the following is added under the Medical Expense Benefits:

Home Country Coverage Benefit Maximum: $50,000

Deductible: The chosen deductible

Coinsurance: 80% of the first $5,000 then 100% of Covered Expenses up 100% of the first $50,000 of Covered Expenses

Follow Me Home Coverage Benefit Maximum: $5,000

Deductible: The chosen deductible

Coinsurance: 80% of the first $5,000 then 100% of Covered Expenses up 100% of the first $50,000 of Covered Expenses

12

Safe Travels International excl US
Trawick International

Home Country Coverage Benefits
Optional coverage

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Home Country/Follow Me Home Coverage-

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 100% up to the $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 100% up to the $5,000 maximum.

This Benefit does not apply when an Emergency Evacuation has occurred.

This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. 

(Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave your Home Country.

In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety – 35. expenses incurred in your Home Country;

and the following is added under the Medical Expense Benefits:

Home Country Coverage Benefit Maximum: $50,000

Deductible: The chosen deductible

Coinsurance: 100% of the first $50,000 of Covered Expenses

Follow Me Home Coverage Benefit Maximum: $5,000

Deductible: The chosen deductible

Coinsurance: 100% of the first $5,000 of Covered Expenses

13

Safe Travels USA Trip Protection
Trawick International

Home Country Coverage Benefits
Optional coverage

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Full Policy Wording

Home Country/Follow Me Home Coverage-

Home Country Coverage – for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $ 50,000. The chosen deductible applies and 80% of the first $5,000 then 100% of Covered Expenses up to the $ 50,000 maximum.

Follow Me Home Coverage – for Covered Expenses incurred in your Home Country up to $ 5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and 80% of the first $5,000 then 100% of Covered Expenses up to the $5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred. This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave and return to your Home Country.

In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety – 35. expenses incurred in your Home Country;

and the following is added under the Medical Expense Benefits:

Home Country Coverage – for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $ 50,000. The chosen deductible applies and 80% of the first $5,000 then 100% of Covered Expenses up to the $ 50,000 maximum.

Follow Me Home Coverage – for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and 80% of the first $5,000 then 100% of Covered Expenses up to the $ 5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred.

14

Safe Travels International Cost Saver excl US
Trawick International

Home Country Coverage Benefits
Optional coverage

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Full Policy Wording

Home Country/Follow Me Home Coverage-

Home Country Coverage – This benefit covers you for Injury or Sickness that occurs during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 100% up to the $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 100% up to the $5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred.

This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave your Home Country.

In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety – 35. expenses incurred in your Home Country;
and the following is added under the Medical Expense Benefits:

Home Country Coverage – for Injury or Sickness that occurs during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 100% up to the $50,000 maximum.
Follow Me Home Coverage – for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 100% up to the $5,000 maximum.

15

Safe Travels USA Cost Saver
Trawick International

Home Country Coverage Benefits
Optional coverage

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Home Country/Follow Me Home Coverage-

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $ 50,000. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred. This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). Home Country Coverage cannot begin until you leave your Home Country.

In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety – 35. expenses incurred in your Home Country;

and the following is added under the Medical Expense Benefits:

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $5,000 maximum.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

16

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

17

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

18

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

19

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

20

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

21

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.