US Non-Residents: What Makes One and What Insurance They Need

A US non-resident is a person who doesn’t have a permanent residence in the country or lives outside of the US for more than three months a year. Citizenship doesn’t play a big role in distinguishing a resident from a non-resident.

What Makes One a US Non-Resident

It’s a twisted topic to get into at first, so here are some of the examples that make you a non-resident:

  • You live outside of the US for three or more months in a year;

  • You visit the US for the pleasure of business but live outside of the country.
    Example: you immigrated to Europe but visit your friends and family from time to time;

  • You’re sure your residence is temporary.
    Example: you come to the country for education or business but expect to come back to your home country upon graduation or the end of the contract.

  • You reside in the US for three or more months every year.
    Example: you’re a European citizen but you go to the US for several months every year for business.

So, as a citizen of another country, you may become a non-resident if you have any minimal ties with the US. Those can be immediate family, business partnership, education, etc.

As a US citizen, you may become a non-resident if you have the same ties with another country. If those make you travel for more than three months in a row annually, you’re on the list.

Non-Resident Insurance Needs

To make sure your health and possessions are all safe in the US, you will need different kinds of insurance. They’re basically contracts between you and your insurer. It implies they will cover you or your family financially if anything happens to you or your possessions.

  • Car insurance.
    As the name implies, this type of insurance covers the expenses on your vehicle in case of an accident. In a lot of countries, it’s illegal to drive without auto insurance. You can find out more useful information about it in this article.

  • Health insurance.
    This type implies that if you get hurt or fall ill, the insurer will pay the full or partial cost of your treatment. There are a lot of nuances to this one, so make sure you read about all the cases before signing the paper.

  • Life insurance.
    This one implies that in case of your death, your family will get a certain sum of money to pay for your bills and cover the death expenses. It doesn’t sound positive, but it’s a very popular type of insurance for the US non-residents.

Be sure to contact several insurers before you make your choice. And always read the contract thoroughly, better even consult a lawyer. This will help you avoid unpleasant situations, like having to prove your insurer they are liable to pay for damages in a particular accident when it happens.

It’s crucial to be informed on all of the incidents like this and to be ready to take action when needed.


The views expressed in this article are those of the authors and do not necessarily reflect the views or policies of The World Financial Review.