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Compare travel insurance - USA

Compare travel insurance - USA

If you’re planning a trip to the USA you should consider travel insurance to cover the costs of medical treatment, loss or delays.

Patrick Ikhena
From the Travel team
minute read
posted 30 MARCH 2020

Do I need travel insurance for the USA?

If you’re joining the 3.8 million Brits travelling to America every year, arranging travel insurance would be a smart move.  
Medical care in America can be  expensive if you need any treatment as a tourist. It’s a good idea to make sure that your  travel insurance  include s emergency care and  flights home  too – it’s better to be safe than sorry.


As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
For more information please see our coronavirus and travel insurance page.

How much is travel insurance for the USA?

If you're travelling to the USA, 50% of people could achieve a quote of £38 for worldwide travel insurance for one week based on Compare the Market data in February 2020**

However, the cost of travel insurance can vary according to the level of cover you need for your trip and the type of activities you're planning. 

**50% of people could achieve a quote of £37.68 for worldwide travel insurance for 1 week based on Compare the Market data in February 2020.

What will travel insurance cover?

A travel insurance policy for the USA will typically include cover for: 

  • Medical care – if you were to fall ill or have an accident the policy may cover the cost of medical treatment.
  • Damage, loss and theft of luggage – your travel insurance should cover you for replacing clothes, gadgets and toiletries. 
  • Holiday cancellation cover –this will cover the cost of your holiday should you need to cut your trip short or cancel altogether in the event of an emergency or an event such as bereavement. It’s important to arrange your travel insurance when you book your holiday, so that you’re covered straight away.
  • Flight cancellations and delays – cover for things like a missed connection isn’t included in all policies, so make sure you check the policy T&Cs to see what protection you have.

Each policy will vary depending on the provider and the level of cover you choose. You can easily click on each policy to check what you’re covered for before committing to one.

What else should I consider when I choose my travel insurance?

It’s particularly important to think about what activities you’ll be doing on your trip and make sure your insurance policy covers you for them. 

These can include: 

Do I need a visa for the USA?

If you have a British passport, you won’t need a visa. That’s because the US has a Visa Waiver Programme (VWP) which will let you in for up to 90 days. But you must make sure you have an Electronic System for Travel Authorisation. This lets you visit the USA for under 90 days without a visa. You’ll need to get an ESTA before you travel. One application will cost $14 and just $4 if your application is rejected.

Any other tips for trip to the USA?

Here are a few more travel tips to help you on your way: 
Vaccines:  Visit your doctor 4-6 weeks before you travel to discuss and vaccinations you may need. 

Tipping: America’s tipping culture can make you worried about how much to give. Here’s a guide on what you may be expected to tip:  
Airport and hotel porters : $2 per bag or $5 minimum per trolley 

Bar staff : between 15-20% per round or a minimum of $1 per drink 

Hotel maid service : between $2 and $4 per night 

Waiting staff at restaurants: 15-20% unless a tip has already been added to the bill 

Taxi drivers : between 10-15% 

Parking attendants: a minimum of $2

Where can I compare travel insurance quotes?

Once you’re ready to find USA travel insurance for you at the right price, we can help. Whether you’re looking for cover for an adventurous road trip or a family holiday of a lifetime, we can help you find the perfect travel insurance for you.

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