Rob-Seattle Posted July 31, 2022 #1 Share Posted July 31, 2022 (edited) I'm a USA resident that left the states in 2017 and have not been back since. I live out of temporary hotels and apartments and do not have a permanent address. I have a virtual mailbox in Europe for mail in another country and family members with an address in the USA. It appears all insurance companies require one to have been living at a physical USA address for coverage. Does anyone know of an insurance company that covers people that do not have a physical address they live in for Covid/Trip-Cancellation Insurance? Edited July 31, 2022 by Rob-Seattle Link to comment Share on other sites More sharing options...
njhorseman Posted July 31, 2022 #2 Share Posted July 31, 2022 3 minutes ago, Rob-Seattle said: I'm a USA resident that left the states in 2017 and have not been back since. I live out of temporary hotels and apartments and do not have a permanent address. I have a virtual mailbox in Europe for mail in another country and family members with an address in the USA. It appears all insurance companies require one to have been living at a physical USA address for coverage. Does anyone know of an insurance company that covers people that do not have a physical address they live in for Covid/Trip-Cancellation Insurance? I assume you mean you're a US citizen because you can't be a US resident if you don't live in the US. Insurance in the US is regulated by the states. Policy terms, conditions, exclusions and premiums can and do vary by state. Hence a US insurer can't issue a policy to someone who doesn't reside in the US . Perhaps you can be insured by a company doing business in the country where you are residing. Link to comment Share on other sites More sharing options...
Rob-Seattle Posted July 31, 2022 Author #3 Share Posted July 31, 2022 4 minutes ago, njhorseman said: I assume you mean you're a US citizen because you can't be a US resident if you don't live in the US. Insurance in the US is regulated by the states. Policy terms, conditions, exclusions and premiums can and do vary by state. Hence a US insurer can't issue a policy to someone who doesn't reside in the US . Perhaps you can be insured by a company doing business in the country where you are residing. I am a US resident by birth/have a US passport, although I work and travel around the world and usually only stay in a country for a few months.. Have an Internet business that allows me to work anywhere.. Link to comment Share on other sites More sharing options...
njhorseman Posted July 31, 2022 #4 Share Posted July 31, 2022 1 minute ago, Rob-Seattle said: I am a US resident by birth/have a US passport, although I work and travel around the world and usually only stay in a country for a few months.. Have an Internet business that allows me to work anywhere.. You're a US citizen. Residency is where you're living, not your country of citizenship. Since you're not living in the US you're not a US resident, and being a resident of the US is necessary to buy an insurance policy from a US insurer for the reasons I explained. Link to comment Share on other sites More sharing options...
navybankerteacher Posted July 31, 2022 #5 Share Posted July 31, 2022 (edited) 57 minutes ago, Rob-Seattle said: I am a US resident by birth/have a US passport, although I work and travel around the world and usually only stay in a country for a few months.. Have an Internet business that allows me to work anywhere.. You are a “resident” of the country in which you reside. You can be a citizen by birth, but to be a resident of a place you need to reside there. You might be able to convince your family members “with an address in the USA” to let you claim that address as your residence - but potential insurers might be able to deny coverage if that deception were uncovered. Edited July 31, 2022 by navybankerteacher Link to comment Share on other sites More sharing options...
Flatbush Flyer Posted July 31, 2022 #6 Share Posted July 31, 2022 OP: let me repeat what others have posted: while you are a US citizen, your description does not qualify you as a US resident. That said, you mentioned spending months in a specific location around the world. Why not make the US one of those locations for enough time to qualify your insurance quest? Link to comment Share on other sites More sharing options...
Rare Essiesmom Posted July 31, 2022 #7 Share Posted July 31, 2022 What address, as an ex-pat, do you use for paying income taxes. What country. Or are you dodging that completely? EM Link to comment Share on other sites More sharing options...
navybankerteacher Posted July 31, 2022 #8 Share Posted July 31, 2022 What countries provide basic medical coverage for "digital nomads" who happen to be passing through? Link to comment Share on other sites More sharing options...
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