Travel Insurance: What is my country of residence?

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 U.S. resident, you must have a residential address and unrestricted right of entry into the U.S.

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 U.S. 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 policy. Please note that passports do not indicate U.S. residency.

For the purposes of our policies, the U.S.A. is all U.S. States, the District of Columbia and U.S. Military bases overseas. It does not include U.S. Territories (Puerto Rico, Guam, Northern Mariana Islands, the U.S. Virgin Islands, and American Samoa).

If you make a claim as a U.S. 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. This plan is not intended to cover indefinite travel or for those unable to produce travel arrangements departing the United States. 

What if I’m an international student or a foreign national living in the United States?

You may purchase a World Nomads policy as a U.S. resident as long as you meet the requirements above. Otherwise, you should buy your travel insurance policy under your country of citizenship.

What if I’m a U.S. citizen living abroad?

If you’re a U.S. citizen living abroad, you should purchase a policy under your current address. For example, if you’re a U.S. 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 policy 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 U.S. resident may be subject to change. Read your chosen policy carefully, and please reach out if you have any questions about what’s covered and what’s not. We’re happy to help.


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