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Home » Travel insurance » Medical Travel Insurance USA

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Why do you need Travel Insurance for the USA?

USA Travel Insurance covers you if you wish to travel to the USA with peace of mind at any age, even if you have pre-existing medical conditions. This type of insurance covers you for is vital to prevent unexpected medical bills and unnecessary complications that could arise when you’re away.

It’s time that you travelled with the UK’s most trusted Travel Insurance provider1.

Comprehensive cover when travelling to the USA

From the city that never sleeps to the Grand Canyon, you’re sure to enjoy new and exciting experiences wherever you choose to visit in America. 

The cost of medical care throughout the USA remains one of the most expensive regions in the world. 

Repatriation from the USA to the UK can cost up to £50,000. You’d then need to add the cost of any medical treatment and medical on top of that. 

If you’re thinking of joining the 3.8 million Brits who visit the USA each year, you’ll want to protect your dream holiday from being ruined by a medical claim. That’s why comprehensive travel insurance is essential.

Cancellation cover will also help protect you from certain costs. Given that flights alone can cost up to £1,029, you’ll want to look after your holiday investment.

How to choose the right level of cover for the USA

There are plenty of USA travel insurance options out there, but you’ll want to make sure you choose comprehensive cover. When selecting a policy, make sure it includes: 

Emergency medical expenses –  protecting you against large unexpected medical bills. To ensure your policy remains valid, you must have declared all pre-existing medical conditions. 

Repatriation to the UK – will cover the costs should you need to be medically transported back to the UK.  

Cancellation and curtailment – if you have to cancel or cut short your trip, this will cover you for any irrecoverable financial loss. 

Baggage and personal property – if you lose, damage or have your personal property stolen while in or travelling to the USA, this will cover you for the cost. 

At AllClear, we offer flexible options for USA travel insurance which includes;

Enhanced Covid-19 Travel Insurance for the USA

Many of us love to explore new places. 30%2 of those we surveyed said the main role of their next break was to move and explore after lockdown.

America certainly offers plenty of opportunities for adventure. If you’ve been dreaming of a once-in-a-lifetime trip to the USA, there are a few things we recommend: 

  • Be aware that the USA still has restrictive entry requirements; stay up to date by checking the  FCDO website 
  • Check the ‘Traffic Light System‘ for quarantine requirements on return to the UK. 
  • Buy quality travel insurance for the USA that includes enhanced COVID-19 cover.

Chris Rolland, AllClear CEO, states that: “AllClear will stand tall with British holidaymakers, ensuring each person is able to have the most enjoyable and risk-free holiday as possible.”

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Freephone to get your quote on: or

UK’s No.1 for travel insurance3

99%4 of customers would recommend us to family and friends. Find out about their AllClear experience. 

I have just taken out travel insurance…

“I have just taken out travel insurance with All Clear after being refused insurance by several other companies. Bradley, who dealt with my quote, was very helpful and found the appropriate cover for me. I managed to get a years worldwide cover including the USA and cruise cover for the same price as I was quoted for a single ten-day trip” Julie.

Read AllClear Trustpilot Reviews

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage. Freephone to get your quote on: or

Frequently asked questions

Is it safe to book a holiday to the USA for 2021?

As of the 5th August 2021, based on the current perceived COVID-19 risks, the USA is on the ‘Amber List.  

However, at the moment, it is still not possible for most British citizens to enter America. You will need to check the latest travel advice and entry requirements from the FCDO before travelling to the USA. 

Can you get travel insurance to the USA?

Travel insurance for the USA will cover you as long as the FCDO is not currently advising against travel. Currency the FCDO is not advising against all but essential travel to the USA. However, the entry requirements are restrictive; check the latest travel advice from the FCDO before booking your trip. 

Do you need to declare all pre-existing medical conditions when buying USA travel insurance?

Yes. So that your travel insurance is valid, you must declare all pre-existing medical conditions. Failure to do so may result in your policy becoming invalid. 

You can declare your pre-existing medical conditions via our online quote process or over the phone if you’d prefer one of our expert specialists to guide you through the process. 

Author notes

Written by Lydia Crispin, M.A. Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Based on research carried out on behalf of AllClear Travel. The sample size was 2,016 adults (nationally representative).

3 Ranked first Overall for Travel Insurance on SmartMoneyPeople.com from over 14,300 independent customer reviews on 27/01/2021.

4 Based on 166 AllClear customers surveyed in April 2021.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.