Travel Insurance USA: What You Need to Know
Next to ensuring that your passport and visa are in order, securing top-notch travel insurance for the USA should be high on your checklist if you plan a visit.
In the States, vacation insurance is crucial largely due to the exorbitant healthcare costs, but also because of the various unexpected events that might occur during your travels. It's estimated that nearly half a million journeys to North America were embarked upon by Britons last year.
This piece outlines why securing a robust travel insurance plan for the USA can provide visitors with the assurance they need to unwind and savor a nation that offers everything.
Do I need travel insurance for the USA?
While it is possible to enter the country for a holiday without it, the high cost of healthcare in America poses a significant risk for travelers. Renowned for its privatized healthcare system, the USA ranks among the most costly nations for emergency medical services.
With an ambulance ride alone averaging over $1,000, medical expenses can accumulate fast if you face a health crisis–and in some cases, treatment may be denied if you don't have sufficient insurance. Thus, it is highly recommended to obtain travel insurance for the USA.
How much travel insurance do I need for the USA?
In deciding on the optimal travel insurance for the USA, consider different coverage levels. Your choice should be influenced by your planned activities and the extent of protection you feel you need.
Adequate USA travel insurance should cover any medical treatments you might require, as well as the value of any belongings you plan to take (like sports gear) and your flight costs.
Therefore, obtaining extensive coverage is particularly vital if you have a pre-existing health condition.
How much is travel insurance for the USA?
The cost of travel insurance for the USA varies based on several factors including trip duration, the traveler’s age, desired coverage level, and the chosen insurer. Most policies provide medical coverage, trip cancellation/interruption insurance, and baggage protection, but verify whether these are included or require an additional fee.
However, due to high medical expenses and other risks, premiums for the USA are typically higher than for many European destinations, but the peace of mind knowing you are protected is worth the investment.
What will USA travel insurance cover?
Each travel insurance policy varies, so it's crucial to review the specifics beforehand to ensure it meets all your needs.
Ideally, your USA vacation insurance should encompass:
- Emergency medical expenses While hoping your trip goes without any health issues, should an emergency arise, your insurance needs to cover the necessary treatments. Ensure any chronic conditions are declared beforehand, as they might not be covered otherwise.
- Repatriation to the UK Should you need to return to the UK for medical reasons, this should be covered.
- Baggage and personal property loss or theft Should your luggage or sports equipment be lost or stolen, your insurance should enable you to recover the costs. Check if this coverage extends to gadgets, cash, or passports.
- Cancellation cover & curtailment This protects you if your trip is canceled or shortened due to unforeseeable circumstances.
Consider additional coverage for travel disruptions, legal liabilities, COVID-19-related cancellations, or if you plan to drive.
Traveling regularly?
If you travel to the USA or other destinations frequently over the year, consider an annual multi-trip policy, which covers several journeys and offers convenience and potential savings. Conversely, single-trip policies are tailored for one specific journey, ideal for infrequent travelers or those with a singular trip planned.
Both options are available through AllClear, part of the Telegraph Media Group Travel Insurance Service. Learn more.
Tips for traveling to the USA
1. Secure your ESTA:
While obtaining a US visa can be challenging, UK citizens planning short visits can apply for an ESTA (Electronic System for Travel Authorization), allowing visa-free entry for up to 90 days for business or leisure. Apply online before your departure.
2. Understand local laws:
US laws can vary by state. For instance, in Washington, you can book a hotel at 18, while in Nevada, you must be 21. Familiarize yourself with these laws, especially if your trip covers multiple states.
3. Remember to tip:
Tipping is a significant cultural practice in the USA. It is customary to tip 15-20% of your total bill to service workers such as waiters and taxi drivers.
