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Compare travel insurance for the 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.

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
4
minute read
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Posted 22 MAY 2020

Do I need travel insurance for the USA?

If you’re joining the 3.8 million Brits travelling to America every year, arranging holiday insurance would be a smart move.   
  
Medical care in America can be  very expensive for a tourist, and you never know what might happen. It’s a good idea to make sure your travel insurance  includes  emergency care and flights home too – it’s better to be safe than sorry.

CORONAVIRUS UPDATE

Starting on 5 November, the Government has introduced a national lockdown for England that will last until at least 2 December. As part of this, the Foreign, Commonwealth and Development Office (FCDO) advise against all non-essential domestic and international travel.

If you choose to travel overseas to a destination while the FCDO has advised against non-essential travel, or domestically against the instructions of the UK Government, then your insurance policy will be invalid, and any claim will be rejected.

For those living in the UK but outside of England, the public health rules may differ, but you must abide by the restrictions imposed by your local authority.

We’ll continually review the situation, and update you with the latest FCDO or Government guidance on travel.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we will only show quotes from insurance providers who will cover for all declared medical conditions, with no exclusions.

The Money and Pension Service (MaPs) has also launched a directory of insurance providers, who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers Association on 0370 950 1790.

How much is travel insurance for the USA?

If you're travelling to the USA, you’ll need worldwide travel cover.
 
Bear in mind that the cost of travel insurance will vary, depending on the level of cover you need for your trip, what activities you're planning and any pre-existing conditions, et cetera.
 
But please note, currently very few British citizens are being allowed into the United States, if they’ve been in the UK, or Ireland, China, Iran or the European Schengen Area inside the previous two weeks, because of the COVID-19 pandemic. People who are allowed to enter the United States should be ready to self-isolate for as many as 14 days, on arrival in the country.  
 
You can view more details on the GOV.UK website. 

What will USA travel insurance cover?

A travel insurance policy for the USA would 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 can help you recoup some of your holiday costs, should you need to cut your trip short or cancel altogether in certain circumstances. It’s important to arrange your holiday insurance when you book your trip, so 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.

Policies will vary depending on the provider and the level of cover you choose. So it’s a good idea to have a proper read through the policy details before committing to one.

What should my travel insurance to the USA include? 

When you’re searching for holiday insurance to the USA, the most important thing is to ensure that it includes proper access to healthcare while you’re there. Although the American healthcare system is considered one of the best in the world, it’s also known to be one of the most expensive, and it’s heavily privatised. 
 
If you don’t have sufficient cover, you’re unlikely to receive treatment unless you pay for it out of your own pocket. Doing so could end up costing you thousands, possibly even hundreds of thousands of dollars.  
 
Along with cover for medical expenses and hospital benefits, at the very least, your travel insurance to the USA should include personal accident and liability cover.

USA travel insurance exclusions  

Before you invest in USA holiday insurance, there are a number of exclusions to watch out for. A few situations that insurance providers typically won't cover are: 

  • Pre-existing medical conditions. If you’ve been diagnosed with a condition that could require specialist care while you’re in the USA, it’s vital you declare this when you’re buying your insurance. Otherwise your policy may not cover you for it. In some cases, you may have to pay extra or seek out specialist holiday insurance.  
  • Injuries or accidents that occur while you’re under the influence. You won’t be covered for medical treatment if you’re injured or involved in an accident while you’re under the influence of drugs or alcohol.  
  • Injuries or accidents caused by winter sports or extreme sports. Typically, you’ll have to pay extra to cover sports such as skiing, rock climbing or surfing.  
  • Events such as terrorism, natural disasters and civil unrest. Some policies offer limited cover for terrorism-related incidents, but you’ll need to clarify this with your insurance provider. Make sure that, at the very least, you’re covered for emergency medical expenses resulting from a terror attack.

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

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

These could 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 (ESTA) though. This lets you visit the USA for under 90 days without a visa and you’ll need to get this before you travel. One application costs around $14, or just $4 if your application is rejected.

Any other tips for trips to the USA? 

There’s a lot to see and do in the States. Here are a few more travel tips to help you on your way:  

  • Vaccines – visit your doctor 4-6 weeks before you travel, to check whether you need any vaccinations or boosters.  
  • Tipping – America’s tipping culture can be a minefield. Here’s a rough idea of how much you’re expected to tip:   
    • Airport and hotel porters:  $2 per bag or $5 minimum per trolley  
    • Bar staff:  between 15 and 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 service charge has already been added to the bill 
    • Taxi drivers:  between 10 and 15%  
    • Parking attendants:  a minimum of $2 

Where can I compare travel insurance quotes?

To find the right travel insurance for you at the right price, we’re here to help. Whether you’re looking to cover a once-in-a-lifetime road trip or a family holiday, we’ll help you compare a range of competitive quotes to get the peace of mind you need.

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