travel insurance for trip to usa

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Best Travel Insurance for Visiting the U.S.

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Table of Contents

Travel insurance basics

Best visitors insurance policies, for the lowest price: trawick international, for customizing options: worldtrips, for pre-existing conditions: worldtrips, for highest medical coverage limit: img, other options to consider, the bottom line.

Since health care can be expensive in the U.S., it’s important that visitors have insurance coverage, aka visitors insurance or travel medical insurance, in case something happens that requires medical attention mid-trip.

Whether you have coverage for travel in the U.S. depends on your health care plan in your home country. But if you don't, you'll need to buy a policy from a third-party insurance provider. Several companies sell this kind of visitor insurance, and each company and policy is a bit different. Let’s look at which is best for you.

First, a few basics about visitor insurance. Two kinds are available: travel medical insurance and trip insurance.

Travel medical insurance covers medical expenses that you may incur while traveling internationally, like a visit to the doctor, a trip to the hospital and medical evacuation and repatriation.

Trip insurance usually covers limited medical expenses like emergency care and can compensate you if your trip is delayed, you need to leave the trip early or you have to cancel the trip. It is designed to help you protect the investment you’re making as you prepare to travel.

Standard trip insurance might not cover a visit to the doctor unless it is an emergency.

It’s important to make sure any pre-existing conditions are covered if the visitor has any. Some policies exclude them.

» Learn more: How to find the best travel insurance

With so many kinds of visitors insurance policies, which is the best?

To make comparisons, we got quotes from several companies using Squaremouth , a website to search for different types of travel insurance in one place.

The parameters we set are for a 49-year-old citizen and resident of Spain traveling to the U.S. on May 1-31, 2024.

The quotes don't include cancellation coverage; these examples are for medical coverage only. To get a quote, the hypothetical deposit for the trip was paid on Feb. 15.

Since we’re looking for a policy that will cover medical care for visitors, there are several medical filters to select: emergency medical ($100,000 or more), medical evacuation ($100,000 or more) and coverage for pre-existing medical conditions.

The search came up with nine results ranging in price from $74.40 to $179.18.

The policy with the lowest cost was the Trawick International 's Safe Travels USA Cost Saver at $74.40.

Trawick policies use the FirstHealth PPO network.

The policy as quoted has a $250 deductible and includes $100,000 in emergency medical, $2 million in medical evacuation and $5,000 in interruption coverage. It has limited coverage for pre-existing conditions.

It is possible to change the deductible to as little as $0 or raise it to $5,000.

The same company has another policy, the Trawick International Safe Travels USA Comprehensive policy, that is better at covering pre-existing conditions and costs a little more — $89.59.

The general coverage is the same as the less expensive policy, and the Safe Travels USA Comprehensive option adds coverage for acute onset of a pre-existing condition. it is possible to change the deductible amount to $0 or go up to $5,000.

» Learn more: The best travel credit cards right now

Some policies are sold as is, while others allow some flexibility depending on what is important to you.

The WorldTrips Atlas Premium America policy for $179.18 allows a lot of customization.

It was also the most expensive of the nine policies Squaremouth suggested.

It’s possible to customize the emergency medical coverage and pre-existing condition coverage and medical deductible. The policy also includes $15,000 in trip interruption coverage, the highest of any of the nine policies available.

If the traveler has a pre-existing condition, policies from WorldTrips Atlas America are your best bet. The WorldTrips Atlas America policy in our comparison costs $101.06.

The policy as quoted covers $100,000 in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence of a pre-existing condition.

The deductible is also available for customization from $0 to $5,000.

The PPO network for Atlas America Insurance is United Healthcare.

The WorldTrips Atlas Premium America policy mentioned above is also good for pre-existing condition coverage.

While eight of the nine policies had $100,000 in secondary medical coverage, one had a limit of $2 million.

The IMG Patriot America Platinum policy has a premium of $172.36 along with a high medical evacuation limit of $2 million and interruption coverage of $10,000.

If $2 million in medical coverage is not enough, it’s possible to increase that amount to an $8 million policy limit.

It’s not possible to change the level of coverage for preexisting conditions from the high $1 million limit in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence.

It is possible to change the deductible from $0 all the way up to $25,000.

Our comparison also included policies from two additional companies, Seven Corners and Global Underwriters .

Seven Corners had two policies come up in the results, the Seven Corners Travel Medical Basic for $98.27 and the Seven Corners Travel Medical Choice policy for $136.71. Both of the Seven Corners policies include coverage for hurricane and weather, and the less expensive policy covers acts of terrorism.

Having insurance to cover unexpected medical expenses for anyone visiting the U.S. can be a smart money move.

An illness or accident could cause financial problems for visitors because of potentially having to pay for full health care costs. When planning your travel, be sure to check your current health insurance to find out if it will cover you in the U.S.

For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas Premium America). That’s about $2.42 or $5.81 a day, depending on the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

June 1, 2020

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Due to travel restrictions, plans are only available with effective start dates on or after

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Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

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From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

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LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

More Coverage Alerts »

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Standard Single Trip Policies

• The most popular and comprehensive travel insurance plan
• Covers cancellations, medical emergencies, delays, and luggage
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Annual / Multi Trip Policies

• Cost-effective option for travelers taking multiple trips a year
• Includes common medical, delay, and luggage benefits
• May require add-ons from trip cancellation or interruption

Cruise Insurance Policies

• Offers comprehensive trip protection on land and at sea
• Includes high travel medical insurance coverage limits
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• Essential for travelers partaking in high-risk activities
• Provides protection for lost or delayed sports equipment
• Strong coverage for cancellations and medical emergencies

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Easily see how plans from the best travel insurance providers compete on cost and coverage. Use filters and sort results to uncover the right plan for you.

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When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.

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Most trip insurance policies are comprehensive, including coverage for cancellations, medical emergencies, travel delays, and lost luggage, among other benefits.

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What Type of Insurance Do I Need?

Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.

10 Ways to Get Great Coverage For Less

When it comes to travel insurance, more expensive does not necessarily mean better. We uncover 10 proven tactics you can use during your search to lower premiums without sacrificing protection.

Travel Insurance FAQs

Here are some of the most frequently asked questions from travelers like you.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

What Does Travel Insurance Cover?

Comprehensive travel insurance coverage is designed to protect against common disruptions that may impact a trip. Most travel insurance plans will provide coverage for trip cancellations, medical emergencies, travel delays, missed connections, accidental death and dismemberment, and lost luggage.

How Much Does Travel Insurance Cost?

In general, comprehensive travel insurance coverage costs between 5% and 10% of the total trip cost. The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. A policy without cancellation coverage will be significantly less expensive. We recommend comparing plans from multiple providers to find the best priced plan for your trip.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: The situations and expenses that are covered by a travel insurance policy.
• Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
• Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
• Premium: The cost of the policy for your specific trip.
• Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

Does Travel Medical Insurance Cover International Trips?

Yes, travel medical insurance provides coverage for unexpected medical expenses that you may experience during a trip. This can include ambulance rides, hospital stays, doctor visits, and emergency medical evacuations.

Medical coverage is the most popular benefit among travelers because most primary health care plans, such as Medicare or an employer-sponsored plan, don’t offer coverage overseas. Traveling without proper health insurance could lead to thousands of dollars in out-of-pocket expenses.

Are Pre-Existing Conditions Covered by Travel Insurance?

Coverage for pre-existing medical conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations under specified circumstances, such as sudden illness, injury, or death of a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.

What's the Process for Filing a Travel Insurance Claim?

To file a trip insurance claim, follow these steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Submit supporting documents: Attach all required documents to substantiate your claim.
• Keep records: Maintain copies of all submissions and correspondence for your records.
• Follow up: Stay in touch with the insurer for updates on your claim status.
• Be honest and thorough: Provide clear and truthful information to expedite the process.

Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim .

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

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Travel Insurance

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Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected like:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Worldwide service and claims information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance: Get the answers you're looking for.

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, travel insurance for the usa.

• Unlimited medical emergency expenses¹
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• 24/7 emergency medical helpline

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Looking for travel insurance for a USA trip? Whether you’re planning to shop in New York, gaze at the Grand Canyon, or take in some history in D.C. we’ve got the right USA travel insurance policy for you.

What is USA travel insurance and why do you need it?

The USA has long been one of the most popular holiday destinations for UK travellers. However, the States has some of the most expensive emergency medical care in the world . Meaning things can get costly if something unexpected happens.

Don’t worry, our USA travel insurance has got you covered:

• Buy it, then get on with enjoying your adventure: With cover for hospital expenses, personal belongings and legal costs, you can relax. What’s more, our 24-hour emergency assistance team will be available to call, day or night, if you need them  
• Cover for your pre-existing medical conditions: We will consider all pre-existing medical conditions. Let us know some details and we will send you a quote. Find out more about medical travel insurance or contact our helpful team   
• Tailor your policy to you and your trip: Our policies already have over 100 sports and activities covered. Plus we have extra cover available for things like extreme sports , winter sports , cruises and golf . Or if you’re looking to take the whole family away, we’ve got family US travel insurance policies  
• Go for a single trip or annual policy: If you’re planning on going away more than once this year, an annual travel policy might save you time and money. If this is your one getaway of the next 12 months, our single trip policies may be best for you.

Cover varies based on the policy you buy. Our policy wording includes details of what is and isn’t covered and other terms and conditions.

Get a quote for travel insurance to the USA today:

What does InsureandGo’s USA travel insurance cover?

Our policies come with over 100 sports and activities included and our 24-hour emergency medical assistance team at the end of the phone. Find out what else is covered with our USA travel insurance:

What’s covered?

All our travel insurance to USA policies include:

• Medical and hospital expenses cover
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Our 24-hour emergency assistance team , available to call, day or night

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our travel insurance America policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go 

To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

The best travel insurance for your USA trip

Looking for the best travel insurance for USA visitors? We have a wide range of policies to choose from:

• Single trip USA travel insurance : Perfect if you’re only planning one trip this year. You tell us where you’re going and for how long and we give you a tailored quote
• Annual travel insurance : If you’re going away more than once in the next 12 months, you could save time and money with multi-trip travel insurance. Pick our worldwide option, covering the USA, Canada, Mexico and the Caribbean, and you can cover your trip to America plus any other trips for the year
• Family travel insurance for the USA : Holiday cover for every member of the family, all under the same policy – simple! Cover every generation, from kids to grandparents (and even great grandparents) 
• Optional sports and activity cover: Our travel insurance for the USA includes cover for over 100 sports and activities at no extra cost. Meaning you can get up to more on your holiday. If you’re looking to do something a little different, we offer extra cover for extreme sports , winter sports , cruises and golf

Take a look at the specific policy wording for more information on what is and isn’t included.

How to book our travel insurance for the USA

When looking for the best travel insurance for the USA, we know the options can be overwhelming. That’s why we like to keep things simple:

1. Tell us about you and your trip

Tell us when you’re off, who you’re looking to cover and a little info about any pre-existing medical conditions. We will use these details to ensure we provide you with the right level of cover for your trip.  

Start your quote today online or call our team:

2. We’ll send you your quote

Get your quote and you can either go ahead and book or save the details for whenever you’re ready to buy your policy.

“Whether it’s a return visit to your favourite place or a one-off trip of a lifetime, the USA is a bucket list destination! With high healthcare costs in the US if something goes wrong, it’s important to make sure you’re covered before setting off on your holiday. We can help make sure you get the right cover for you, get in touch with our team now .” Letitia Smith – Travel Insurance expert

USA travel insurance with pre-existing medical condition cover

At InsureandGo, we’ll consider covering all medical conditions. Our online medical screening process is simple and we’ll quickly be able to give you a quote.

A pre-existing medical condition is any illness or condition that has occurred before you take out an insurance policy. Your policy won’t always cover you for existing medical conditions as standard and you’ll need to declare them before you buy it. 

Medical costs in the USA are famously expensive and foreign visitors don’t get free healthcare, even if you come from a country with a system like the NHS. Also bear in mind that A&E (or ER, as they call it in the USA) isn’t free either. So in an emergency situation the costs can quickly add up. If you’re considering travel medical insurance for the USA, it’s sensible to check your cancellation, repatriation and medical evacuation cover. For more information, read our travel insurance for pre-existing medical conditions page and refer to policy wording .

Frequently asked questions on travel insurance for the USA

Do you need travel insurance for usa.

Although travel insurance isn’t mandatory for the USA, it is highly recommended that you take out a policy. If something goes wrong on your trip and you don’t have a policy to cover you, you could rack up high costs that leave you out of pocket. America is known for having some of the world’s most expensive emergency medical care. Buying a single trip or annual multi-trip policy is important to make sure you’re covered.

Do I need a visa for the USA?

The UK is part of the visa waiver programme with the USA, meaning UK citizens with a valid passport don’t need a visa to travel to the USA. You need to get an Electronic System for Travel Authorisation (ESTA) , which allows travellers up to 90 days in the USA.

Do you need a Global Health Insurance Card (GHIC) and travel insurance to visit the USA?

Although it’s called a ‘Global’ Health Insurance Card, a GHIC doesn’t cover the USA.  It is mainly for use in EU countries. The best way to ensure you’re covered if something unexpected happens on a holiday to America, is by purchasing a travel insurance policy.  

Remember, even if you are travelling to a country covered by the GHIC scheme, it is recommended that you also buy travel insurance. This will protect you from any costs that aren’t covered by the card. Find out more information about EHIC and GHIC cards on the NHS website .

How much is travel insurance for USA?

The price of your travel insurance to the USA will depend on various things. These include: 

• Where you’re travelling to and if you’re visiting any other countries
• How long you will be staying 
• If you want a single trip or annual multi-trip travel insurance policy  
• Pre-existing medical conditions
• Level of policy cover
• Any policy add-ons

Get your quote today and get ready for your trip to the USA!

What travel insurance do I need for the USA?

Make sure you choose travel insurance that covers the USA, as some policies do not. You should also keep these pointers in mind:

• It’s important to check the level of medical cover. The government advises at least £2 million of medical cover when travelling to the USA. Our policies start at £5 million
• When choosing US travel insurance, think about the cost of your holiday and what you’ll be taking with you. You need to know you’re covered if anything happens
• Travelling as a family? Cover everyone under one policy with our family holiday insurance
• Consider whether you want a single trip or annual multi-trip policy  

Why is travel insurance to the USA so expensive?

Travel insurance to the USA can be more expensive than for Europe. This is because of higher claims costs if anything unexpected happens. Medical treatment can be very expensive in the USA and it can also cost a lot if someone needs emergency transport back to the UK. This means policies that cover the US can be a bit more costly.

Can I buy USA travel insurance after booking my trip?

Have you left buying your USA travel insurance until the last minute? Don’t worry! We make getting covered quick and simple, so you can focus on looking forward to your holiday. Get your quote now.  

You’re able to purchase a last minute US travel insurance policy on the same day as you head off. As long as you haven’t been through customs or left the UK yet. Just remember, we can’t cover you for any potential claims that you’re aware of before you buy the policy (e.g. a cancelled flight). For more information, read our policy wording .

Does Mexico come under the USA in travel insurance?

If you’re visiting Mexico or another country on your US trip, there are two easy ways to ensure you’re covered:

• If you’re buying a single trip policy , just tell us the countries you’ll be visiting and we’ll give you a quote to cover your whole trip
• If you’re after an annual multi-trip policy , make sure you pick our Worldwide cover including USA, Canada, Mexico and the Caribbean

What if I have to go to the hospital in the USA?

It’s important that you have travel insurance for the USA to cover unexpected issues while you’re away. 

Medical costs in the USA are famously expensive. Most hospitals are large and privately run. If your medical emergency isn’t serious enough to warrant a visit to the hospital, you may be able to contact them and ask for a local physician. They may be able to offer cheaper treatment.

If a hospital discovers you have no insurance, they may transfer you to a welfare hospital if one is nearby. However, there aren’t many available, especially in more rural areas, and they may have very long waiting times. If you have a pre-existing medical condition, visit our page on travel medical insurance for more information. Or you can contact us online .

Can InsureandGo help if I need medical treatment while in the United States?

Our US travel insurance comes with access to our 24-hour emergency assistance team. Meaning there will always be someone here to help you if you become ill or are injured while abroad.

You can give our team a call any time, day or night, as part of your USA travel insurance policy.

Who can buy USA travel insurance?

All our USA travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.  Get a quote online or browse our policy documents for more information.

Frequently asked questions

If you’ve got more questions about how our USA travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

Winter is here! Check out the winter wonderlands at these 5 amazing winter destinations in Montana

• Travel Destinations
• United States

Which Travel Insurance Is Best For The USA

Published: December 18, 2023

Modified: December 28, 2023

by Fionna Boyles

• Safety & Insurance
• Travel Essentials & Accessories

Introduction

Understanding the importance of travel insurance for your trip to the usa.

When planning a trip to the United States, it’s essential to consider various aspects to ensure a smooth and enjoyable experience. Among these considerations, securing the right travel insurance holds significant importance. Travel insurance provides a safety net, offering financial protection and peace of mind during unexpected events, such as medical emergencies, trip cancellations, or lost luggage. Navigating the myriad of options to find the best travel insurance for your trip to the USA can be overwhelming, but with the right information, you can make an informed decision that aligns with your specific needs.

In this comprehensive guide, we will delve into the intricacies of travel insurance, explore the factors to consider when choosing a plan for travel to the USA, and compare some of the top travel insurance options available. Whether you’re planning a leisurely vacation, a business trip, or an extended stay in the United States, understanding the nuances of travel insurance will empower you to select the most suitable coverage for your journey.

Understanding Travel Insurance

Travel insurance serves as a safeguard against unforeseen circumstances that could disrupt or derail your trip. It typically encompasses a range of coverage, including trip cancellation or interruption, medical emergencies, evacuation, and baggage loss or delay. Understanding the components of travel insurance is crucial for making an informed decision when selecting a policy for your travels to the USA.

Key Components of Travel Insurance:

• Trip Cancellation or Interruption: This coverage provides reimbursement for prepaid, non-refundable trip expenses if you need to cancel or cut short your trip due to covered reasons, such as illness, severe weather, or a terrorist incident.
• Medical Coverage: In the event of illness or injury during your trip, medical coverage ensures that you receive necessary medical treatment, including hospital stays, doctor visits, and prescription medications.
• Emergency Medical Evacuation: This feature covers the cost of emergency transportation to the nearest adequate medical facility in the event of a severe illness or injury.
• Baggage and Personal Belongings: If your luggage is lost, stolen, or damaged during your trip, this coverage provides reimbursement for the value of your belongings.

It’s important to carefully review the specific details and exclusions of each coverage type within a travel insurance policy to ensure that it aligns with your individual needs and the nature of your trip. Additionally, understanding the limitations, deductibles, and claim procedures associated with each coverage component is essential for a comprehensive grasp of your policy.

By gaining a thorough understanding of the various facets of travel insurance, you can make well-informed decisions and select a policy that offers the necessary protection and peace of mind for your travels to the USA.

Factors to Consider When Choosing Travel Insurance for the USA

When selecting travel insurance for your trip to the United States, several essential factors warrant careful consideration to ensure that you secure the most suitable coverage. Understanding these key factors will empower you to make an informed decision and obtain the protection you need for a worry-free travel experience.

1. Trip Duration and Frequency: Consider the length of your stay in the USA and how frequently you travel. If you embark on multiple trips throughout the year, an annual multi-trip policy may be more cost-effective than purchasing separate coverage for each trip.

2. Coverage for Pre-Existing Conditions: If you have pre-existing medical conditions, ensure that the policy provides adequate coverage for related medical treatment and emergencies during your trip to the USA.

3. Medical Coverage Limits: Evaluate the maximum coverage limits for medical expenses, including hospitalization, emergency services, and medical evacuation, to ensure that the policy offers sufficient protection based on your health needs and the potential costs of medical care in the USA.

4. Trip Cancellation and Interruption Coverage: Assess the extent of coverage for trip cancellation or interruption, considering factors such as the total cost of your trip, non-refundable expenses, and the reasons covered for trip disruption.

5. Coverage for High-Risk Activities: If your trip to the USA includes adventurous or high-risk activities such as skiing, scuba diving, or mountain climbing, verify that the policy includes coverage for these activities to mitigate associated risks.

6. Lost or Delayed Baggage Coverage: Evaluate the reimbursement limits for lost, stolen, or delayed baggage, as well as any coverage for essential items in the event of baggage delay.

7. Emergency Assistance Services: Ensure that the policy includes 24/7 emergency assistance services, such as access to a global network of medical providers and multilingual support, to receive timely assistance in case of emergencies while in the USA.

8. Exclusions and Limitations: Thoroughly review the policy’s exclusions and limitations to understand scenarios or circumstances not covered by the insurance, enabling you to make informed decisions and take necessary precautions during your travels.

By carefully assessing these factors and aligning them with your specific travel needs and preferences, you can select a travel insurance policy that provides comprehensive coverage and peace of mind for your journey to the United States.

Comparison of Top Travel Insurance Plans for the USA

When considering travel insurance plans for your trip to the USA, it’s essential to explore the offerings of reputable providers to identify the most suitable coverage. While numerous insurance companies offer travel insurance, comparing the features, benefits, and limitations of the top plans can help you make an informed decision.

1. Allianz Global Assistance: Allianz offers comprehensive travel insurance plans with customizable options, including coverage for trip cancellation, emergency medical expenses, and baggage loss. Their plans also provide 24/7 travel assistance services for added convenience and support during your trip to the USA.

2. World Nomads: World Nomads is known for its flexible and adventure-friendly travel insurance plans, making it an ideal choice for travelers engaging in high-risk activities or seeking coverage for various destinations within the USA. Their policies cater to diverse travel styles and offer coverage for medical emergencies, trip interruptions, and adventurous pursuits.

3. Travel Guard (by AIG): Travel Guard provides a range of travel insurance options, including single trip and annual plans, with features such as trip cancellation coverage, emergency medical assistance, and coverage for lost or delayed baggage. Their plans are designed to address the specific needs of travelers visiting the USA for leisure or business purposes.

4. Travelex Insurance Services: Travelex offers customizable travel insurance plans with varying levels of coverage, allowing travelers to tailor their policies to suit their individual requirements. Their plans encompass benefits such as trip cancellation, emergency medical coverage, and assistance services, providing comprehensive protection for trips to the USA.

5. IMG (International Medical Group): IMG specializes in providing travel medical insurance for individuals and families visiting the USA. Their plans focus on medical coverage, emergency medical evacuation, and access to a global network of healthcare providers, ensuring that travelers receive essential medical support during their stay in the USA.

When comparing these top travel insurance plans, it’s crucial to assess the specific features, coverage limits, and exclusions of each policy in relation to your travel needs and preferences. By carefully evaluating the offerings of reputable insurance providers, you can select a plan that aligns with the nature of your trip and provides the necessary protection for your travels to the United States.

Securing the right travel insurance for your journey to the United States is a vital aspect of trip planning, offering financial protection and peace of mind in the face of unforeseen events. By understanding the nuances of travel insurance and considering essential factors when choosing a policy, you can make informed decisions that align with your specific travel needs and preferences.

When comparing top travel insurance plans for the USA, it’s crucial to assess the breadth of coverage, limitations, and additional benefits offered by reputable insurance providers. Whether you prioritize comprehensive medical coverage, protection for high-risk activities, or assistance services during your trip, selecting a plan that caters to your individual requirements is paramount.

As you embark on your journey to the USA, remember that travel insurance serves as a safety net, providing support and financial security in the event of medical emergencies, trip disruptions, or unforeseen mishaps. With the right travel insurance in place, you can explore the diverse landscapes, vibrant cities, and cultural experiences that the United States has to offer, knowing that you are prepared for the unexpected.

Ultimately, the best travel insurance for your trip to the USA is one that aligns with your unique travel itinerary, health considerations, and preferences, offering comprehensive coverage and reliable support throughout your travels. By prioritizing thorough research and careful consideration of your specific needs, you can embark on your journey with confidence, knowing that you have chosen the most suitable travel insurance to safeguard your adventure in the United States.

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The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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• Travel insurance for USA

The famous cliché of America is that it's big. And it is. Across its six time zones are examples of virtually every type of geography on earth, from the baked deserts of Nevada to the mountains of Colorado. There's something for everyone.

Many are attracted to its warm welcomes and iconic metropolises. Whether you’re sampling wine in Napa Valley, beer in Boston or trekking through canyon country, read our guide to medical care, getting around and the importance of travel insurance in the USA.

Medical care for Brits in the USA

America’s healthcare is some of the most sophisticated in the world, however it is also notoriously expensive and privatised. This means that having good medical travel insurance is an imperative. Without it, you are unlikely to receive treatment or, if you do, it could run to tens of thousands of dollars.

You may be asked to pay an amount up-front by a hospital or treatment centre as a gesture of good faith. If this happens, contact your travel insurer to find out whether this is something they will cover. It’s important to make sure you have available funds for healthcare emergencies in addition to your holiday insurance policy to be on the safe side.

The emergency service number in the USA is 911. There are few diseases associated with travel in the USA, however it’s important to follow the Foreign, Commonwealth and Development Office (FCDO)  advice on health and travel in the USA to make sure you know whether there are risks local to where you’re going and can take all necessary precautions.

Protect what matters when you go with good travel insurance

Travel risks in the usa.

The travel risks associated with the USA are the kind common to visiting any country. Be vigilant against theft, pickpocketing, burglary from home or car and other street crimes. If you are going to be in unfamiliar areas, always travel in groups and try not to walk alone at night in areas where crimes are more prevalent.

It’s unusual for crime to target tourists, particularly when outside of large cities. There are greater concerns about the risks of crime in states that border Mexico due to the illegal drug trade, however this too is unlikely to specifically target tourists.

Regional considerations

The laws of the USA vary by state, and it’s important to understand how they differ depending on where you will be visiting. Some have strict alcohol laws, such as Utah, while others such as California have very strict laws about smoking and littering. Fireworks are legal in some states and illegal in others, so carrying anything that could cause controversy across state borders is very unwise. This can include things you might normally consider safe, such as beer and wine.

The USA is a land of contrast, including culturally. Some areas are very religiously conservative while others are highly liberal and cosmopolitan. Even within states, cultural norms can vary by area. It’s important to research the locality you’re visiting to avoid any faux pas.

Despite that, the USA is famously a cultural melting-pot and you are likely to find people from all walks of life in most areas.

The Electronic System for Travel Authorisation is an automatic visa waiver programme designed for people from participating countries who are visiting the USA for leisure or business for up to 90 days. It needs to be completed online and is often instant, however it can take as long as 72 hours.

Make sure you have allowed time to get your ESTA, as the process can take longer if your application is rejected. In that situation, you will need to apply for a Non-Immigrant Visa and this can involve trips to the US Embassy, which is by appointment and may take a long time. It’s always a good idea to apply for your ESTA in plenty of time to allow for this eventuality.

Getting around

It may have been your lifelong dream to rent an open-top car and cruise down Route 66. Indeed, with much of the USA being so spread out, driving is often one of your only transport options. But have a mind to driving laws. These vary by state and may have different requirements. For instance, in some parts of America, having a valid UK driving licence is sufficient to rent a car and drive, however others will require you to have an International Driving Permit . For the sake of safety, it may be a good idea to apply for an IDP if you plan on driving in the USA.

Speed limits are set by state and even local municipality. They can vary significantly between built up areas and motorways, so make sure you know what the maximum (and, in some cases, minimum) speed limits for the areas you’ll be driving in are. You may find that there are different speed limits depending on time of day and weather type. Importantly, it is common for the maximum speed limit to be lower than in the UK, with some areas such as Washington D.C. having a maximum speed of 55mph. Be aware of what the maximum is for the road you’re travelling on.

Remember that your travel insurance may not cover many aspects of car rental, and this will need to be done by having a separate insurance policy. It is likely that this insurance will come as part of your rental agreement, but it is always wise to make sure.

For long distance travel, flying is one of the most common ways of getting around in the USA and is more popular than trains. However, people have reasons besides speed for seeing the USA by rail, and there are some combination tickets (rail and air) available. America’s spellbinding geography can be taken in wonderfully if you take the Amtrak, however it could be more expensive than air travel.

Public transport in cities differs depending on where you are, with some systems more up-to-date than others. Some large cities such as Los Angeles are renowned for having very limited public transport, so research before you go to see whether you need to make arrangements like renting a car.

Other travel considerations

Remember that alcohol in drinks is often (but not always) measured by its weight rather than its percentage volume, which is different to the UK. The alcohol-by-weight is also expressed as a percentage, though – so a beer that reads 3.2% alcohol by weight is in fact slightly over 4% alcohol by volume. Remember that if you're involved in an incident while under the influence of alcohol your travel insurance policy may not cover you.

Is travel insurance compulsory for the USA?

While travel insurance is a compulsory requirement for visiting some countries and territories, the USA is not one of them. But that doesn’t mean it’s not worth taking out. Just consider what an unexpected incident while you were there could end up costing you if you weren’t’ covered.

For one thing, the United States is one of the most expensive countries in the world for healthcare. And while it may seem unlikely you’ll need to call on its medical services on your visit, you could be looking at a hefty bill if you do.

With travel insurance in place before you go, it’s one less thing to think about. You’ll have the reassurance not only that any emergency medical expenses and repatriation (transport home) are covered if you need them but also that other protection’s in place too.

Good quality travel insurance should cover trip cancellation and delays in some circumstances, replacement of lost or damaged belongings , and even access to emergency assistance if you need to call on it while you’re exploring Stateside.

How much travel insurance do I need for the USA?

It’s important that your travel insurance for America provides good medical cover, enough to pay for any healthcare treatment you may need if you fall ill or are injured while there. Don’t underestimate how much treatment can cost there. From getting stitches to a ride in an ambulance, it soon mounts up.

The level of cover you choose should be sufficient to reimburse you for the holiday if it’s cancelled for one of the reasons set out in the policy wording. Make sure it will also reimburse you for the cost of lost, damaged or stolen belongings – so work out their value and keep the receipts handy if you have them.

Remember, for some activities or types of holiday you may need additional or specialist cover. For instance, winter sports cover for skiing, snowboarding, etc, sports travel insurance or cruise cover . You may need additional gadget cover for the devices you take on your trip. And you should make sure you have the level of coronavirus cover you need. Some insurers enable you to add more covid-19 cover to your policy.

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We’re working really hard to keep you in the loop as much as possible in the fast-changing circumstances. 

We want to help you wherever we can during these challenging times. If you’re struggling financially as a result of Coronavirus and are worried about the payments for your policy, or if you have a policy that you don’t think you’ll need now, such as an annual travel policy, please get in touch. We’ll discuss your options with you and work out how we can provide support.

Our call centres are very busy at the moment and we are trying to answer your questions as quickly as we can. If your query is non-urgent and you are not due to travel in the next two weeks, please don’t contact us yet, so we can prioritise people in need of urgent help or who are due to travel sooner.

In the meantime, we are regularly monitoring the situation and updating our Coronavirus single trip/backpacker and annual multi-trip FAQ pages. To find out more about the impact the outbreak is having on our travel insurance policies, please check the relevant FAQ before calling or emailing us.

We’d also like to highlight that travel insurance only protects against unforeseen circumstances getting in the way of your travel plans, so any policy you buy now will have very limited insurance coverage. While the Department of Foreign Affairs (DFA) has advised against all but essential travel indefinitely, you will not be covered under our travel insurance policies if you decide to go ahead with your trip. 

Travel Insurance for America

From theme parks to National Parks, the USA can accommodate almost any type of holiday. You can experience the thrill of Las Vegas, witness the majestic beauty of the Grand Canyon or take a city tour of New York and snap photos with the Statue of Liberty.

You can also take in the historic sights of Washington DC or head to Texas, where you can get a real sense of the Wild West.

With so much to see and do, it’s no wonder that road trips across America are so popular. The Pacific Coast Highway takes in the very best of San Francisco and Los Angeles, while the Overseas Highway shows you some of America’s best scenery on the way to Miami. Road trips don’t get more iconic than Route 66, though. It takes you all the way from Chicago to Los Angeles and you’re close to Santa Fe, the Grand Canyon and Las Vegas if you’d like to take a few detours.

Don’t forget about the food, too. America’s culinary offering is so great that the country’s towns, cities and states have a number of delicacies named after them, such as the Philly cheesesteak, Buffalo wings, New York cheesecake, California rolls, baked Alaska and even Mississippi mud pie. No matter what you’re craving, there’s something to tickle everyone’s taste buds.

Whatever you plan on doing in the USA, you’ll need travel insurance to help protect you against any unforeseen eventualities.

Healthcare for visitors to the USA

What does our travel insurance for the usa cover .

At Allianz, our travel insurance for the USA from Ireland is suitable for most travellers, because we offer a range of different policies.

Our Single Trip , Annual and Backpacker policies are designed to protect you when your trip of a lifetime doesn’t quite go to plan. Across our Single Trip and Annual policies, we also offer three different levels of cover: Bronze, Silver and Gold. Depending on which level of cover you choose, you’ll be protected against: 

• Cancelling or cutting your trip short
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of money* 
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• *Not available with Bronze cover
• Terms and Conditions apply.

Please note that if you’re purchasing travel insurance for America, for Annual policies, you'll need to select ‘Worldwide (including USA and Canada)’ as your area of cover.

In addition, you can purchase add-ons to ensure you have cover for any activities you’re taking part in. For example, if you’re hitting the slopes in the Rockies, our Winter Sports and Ski insurance could help protect you against avalanche closures and unused ski-pack costs.

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Frequently Asked Questions

Why do i need travel insurance to visit america.

Although America’s healthcare system is one of the most sophisticated in the world, it’s also one of the world’s most expensive. This makes travel insurance for America essential. Without it, you are unlikely to receive treatment and, even if you do, it may cost you tens of thousands of pounds.

Plus, even when heading somewhere relatively safe like the USA, you’ll still encounter other risks while you travel. You’ll need to be vigilant against pickpocketing and other street crimes in big cities, for example. Thankfully, if you lose your possessions or you’re the victim of a theft, holiday insurance for America can protect you.

In addition, travel insurance can protect you for a number of other things that could go wrong while you’re away, including lost luggage, cancellations and travel delays. 

How much is travel insurance for the USA?

The exact price you’ll pay for your travel insurance for the USA will vary depending on:

• The number of people travelling
• The type of policy you choose
• The level of cover needed

Whether you require any add-ons, such as  Business insurance or Winter Sports and Ski insurance 

You can get a quote online today to see how much travel insurance for the USA from Ireland will cost you. 

I'm planning to go skiing in the USA; do I need additional cover? 

America is home to some of the best Alpine resorts in the world. You can go skiing in the Rocky Mountains, snowboard in Lake Tahoe or even go sledging down the slopes of Alaska.

If you plan on trying any of these activities during your American holiday, then additional cover will be required. From lost ski equipment and piste closures to mountain rescues and repatriation, our Winter Sports and Ski add-on is designed to give you peace of mind and protect you if things don’t go to plan. 

Can I get travel insurance for backpacking in America? 

America’s a vast country, so it’s great for a backpacking expedition. From the concrete jungle of New York to the glitzy lights of Las Vegas, there’s a lot to see as you cross this awe-inspiring country.

Our Backpacker insurance can cover you for up to 365 days. So, whether you’re trekking across America or visiting the States as part of a trip around the world, you’ll be covered. You’ll just need to make sure that you choose ‘Worldwide including USA and Canada’ as your area of cover when you book.

Insurance types for your trip to the USA 

Backpacker Travel Insurance

Winter Sports & Ski Insurance

Annual Multi-Trip Travel Insurance

Family Travel Insurance

Single Trip Travel Insurance

Golf Insurance

Need help? Call us on: 0371 200 0428

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Travel Insurance for the USA 

Experience the American Dream with a holiday to the USA

From theme parks to National Parks, the USA is a destination that can suit almost every pace of holiday. You can experience the thrill of Las Vegas, witness the majestic beauty of the Grand Canyon or take a city tour of New York and snap photos with the Statue of Liberty.

You can also take in the iconic sights of Washington DC and brush shoulders with the president, or see some of America’s history in the Deep South. You can also enjoy an adventure in Texas, where you can get a real sense of the Wild West.

With so much to see and do, it’s no wonder that road trips across America are so popular. The Pacific Coast Highway takes in the very best of San Francisco and Los Angeles, while the Overseas Highway shows you some of America’s best scenery on the way to Miami. Road trips don’t get more iconic than Route 66 though. It takes you all the way from Chicago to Los Angeles and you’re close to Santa Fe, the Grand Canyon and Las Vegas if you’d like to take a few detours.

Don’t forget about the food, too. America’s culinary history is so great that the country’s towns, cities and states have a number of delicacies named after them, such as the Philly cheesesteak, Buffalo wings, New York cheesecake, California rolls, baked Alaska and even Mississippi mud pie. No matter what you’re craving, there’s a food for you in America.  

Whatever you plan on doing in the USA, it’s important that you get travel insurance for the USA to help protect yourself against unforeseen eventualities.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Healthcare for visitors to the USA

If you need any medical attention as a tourist in America, it can be incredibly expensive.  An EHIC or GHIC card will not cover you in America because this is a reciprocal agreement the UK has only with other European countries.

In America, many residents have their own private medical insurance that covers them if they fall ill or get injured. For this reason, if you don’t have travel insurance for the USA, it can be very expensive for you to receive treatment, so even a minor fall or illness could end up costing you a significant sum of money if you’re not covered by USA travel insurance.  

What does Allianz Assistance travel insurance for the USA cover? 

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

Plus, you can also purchase add-ons to ensure you have cover for any activities you’re taking part in. For example, if you’re hitting the slopes in the Rockies, our Ski and Winter Sports insurance could help protect you against avalanche closures and unused ski-pack costs.

Please note for Annual policies, if you’re travelling to America, you’ll need to select ‘Worldwide (including USA and Canada)’ as your area of cover.

Frequently Asked Questions

Although America’s healthcare is some of the most sophisticated in the world, it’s also one of the world’s most expensive healthcare systems. This makes travel insurance for the USA essential because, without it, you are unlikely to receive treatment and, even if you do, it may cost you tens of thousands of pounds.

Plus, even when heading somewhere relatively safe like the USA, you’ll still encounter other risks while you travel. For example, you’ll need to be vigilant against theft, pickpocketing, burglary and other street crimes in big cities. Thankfully, if you lose your possessions or you’re the victim of a theft, your USA travel insurance could protect you.

In addition, your travel insurance can also protect you for a number of other things that could go wrong while you’re away, including lost luggage, cancellations and travel delays. 

If your stateside visit is the only trip you're planning to take this year, our  Single Trip  travel insurance for the USA will probably suit you best. If you're managing to get away more than once, then our Annual cover could work out to be a cheaper option.

Depending on how many countries you travel to, and whether you choose to buy any additional cover, costs for Backpacker insurance to the USA can vary. Get a quote online to find out how much it could cost to cover your stateside trip.

The exact price you’ll pay for your travel insurance for the USA will vary depending on:

• The type of policy you choose
• Your level of cover
• The duration of your trip
• Whether you need any pre-existing conditions to be covered
• Whether you require an add-on such as Ski and Winter Sports insurance

The price of your policy will also depend on how many people are travelling. For example, if you’re taking the family to Walt Disney World Resort in Florida, then you can place everyone on the same policy with our Family Travel Insurance for the USA. This is often a more cost-effective solution than buying multiple Single Trip policies for everyone. 

Due to the improvements we are currently making to the booking engine of our website, we are currently unable to offer travel insurance to cover people’s pre-existing medical conditions. However, this is only a temporary measure and we plan to reintroduce this offer not only under our Single Trip or Backpacker policies, but also extending it to our Annual policies. Our Single Trip travel insurance policies for the USA can provide you with cover for up to 180 days, while our Backpacker cover can last for up to a full year, depending on how long you’re travelling for.

Once the website improvements have been made, it will be easy to declare your pre-existing medical conditions with our medical screening process. Simply click ‘Get a Quote’ and select your policy type. Then, provide us with some basic information about you and the trip you’re planning.

You’ll then be asked to declare your pre-existing medical conditions. All you need to do is type the first three letters of the condition into the box and then select your condition from the dropdown menu. Once you’ve declared all of your conditions, press ‘Finish’.

It won’t be long before we’ll be able to provide you with a quote again for travel insurance, to see if we’re able to cover you. You can read our policy documents online to see the full cover and exclusions. If there is anything you don’t fully understand, please get in touch. 

America is home to some of the best winter sports resorts in the world. You can go skiing in the Rocky Mountains, snowboard in Lake Tahoe or even go sledging down the slopes of Alaska.

If you’re planning on trying any of these activities during your American holiday, then additional cover will be required. From lost ski equipment and piste closures to mountain rescues and repatriation, our Winter Sports and Ski  add-on is designed to give you peace of mind and protect you if things don’t go to plan. 

Cover options for your trip to the USA

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Backpacker Travel Insurance

Family Travel Insurance

Winter Sports & Ski Travel Insurance

Feel supported during your stateside visit, with travel insurance from allianz assistance.

Travel Insurance for Seniors

Travel Insurance for Medical Conditions

Need help? Call us on: 0371 200 0428

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Top reasons to buy trip insurance

• Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
• Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
• 24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

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Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

• Frequently asked questions

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or [email protected]

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

6 Best Cancel for Any Reason Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

IMG Travel Insurance »

Squaremouth »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cancel for Any Reason Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• Seven Corners

Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).

Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.

• AXA Assistance USA
• IMG Travel Insurance
• Squaremouth

Can cancel trip up to 48 hours before departure

Emergency medical coverage is only $50,000

SEE FULL REVIEW »

Reimburses up to 80% of prepaid travel arrangements

Allows you to cancel trip as late as day of departure

"Cancel Anytime" coverage may not be available in every state

CFAR add-on offers up to 75% reimbursement for prepaid travel costs

CFAR coverage can be purchased up to 20 days after initial trip payment

Benefit not available in all states

Get up to 75% of prepaid travel expenses back when you cancel for any reason

10-day money back guarantee if dissatisfied (prior to your trip)

Must purchase CFAR coverage within 14 days of initial trip deposit

Get back up to 75% of the full cost of nonrefundable travel expenses

CFAR coverage can be purchased within up to 20 days of the initial trip deposit

CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services

Compare multiple plans with CFAR coverage in one place

Comparison tool makes it easy to price shop

CFAR coverage reimbursements and fine print vary by company

Frequently Asked Questions

Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.

CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.

If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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