Travel Insurance for the USA

We cover over 1,300 different medical conditions, allowing you to travel anywhere in the US with confidence.

The USA famously has some of the world’s most expensive emergency medical care. Even needing an ambulance could incur hefty costs of around $1,300 (roughly £1,020).  As medical Travel Insurance specialists, our USA Travel Insurance protects you from costs like these if you have a medical emergency during your USA trip. USA Travel Insurance:

• Provides comprehensive medical cover: wherever you go in the USA, you will be covered for medical emergencies and accidents, including those relating to existing medical conditions that you have declared. Without cover, a heart attack in the USA could cost you up to $290,000 (or £230,000). 
• Covers you across the entire USA: travel with confidence and flexibility with a policy tailored to your travel needs. From Florida to Washington, we’ll help you find the perfect policy.
• Gives you peace of mind: whether this is your first time in America or you’re a seasoned traveller, knowing you’re protected allows you to relax and enjoy your trip. Plus, you will have access to our 24/7 helpline, should you need support while in the USA.

USA Travel Insurance covers you for unexpected medical bills and complications while you’re away. Claims we’ve previously paid out for treatment in the USA include, more than £382,000 for influenza, and over £608,000 for cellulitis. 

Below you’ll find our different products. We have three different products to choose from, Gold, Gold Plus and Platinum.  If you’d like some help choosing which is best for you, please contact our team.

Having the right policy in place before you head to the States is crucial if you’re living with pre-existing medical conditions.  As specialists in Medical Travel Insurance, we can help find you the best cover to ensure you’re fully protected in the USA. This will save you from any costly medical expenses so you can travel with peace of mind.  So far, we have helped cover over 3.5 million travellers. We can cover over 1,300 different medical conditions. These are just some of the common medical conditions we can cover for your USA holiday:

• Heart conditions: Cardiovascular disease (CVD) affects around seven million people in the UK. We cover all CVD issues affecting heart function, including high blood pressure and atrial fibrillation.
• Respiratory problems: Including COPD and asthma.
• Diabetes: Both Type 1 and Type 2 diabetes
• Musculoskeletal conditions: affecting your bones, muscles, and joints. We cover all conditions relating to back problems and osteoporosis. 
• Neurological conditions: Disorders affecting the brain and nervous system, including.strokes, epilepsy and multiple sclerosis.
• Chronic illnesses: This includes cancer, Crohn’s disease, IBS, gallstones and other long-lasting chronic conditions.
• Mental health: Our USA travel protection covers all mental health conditions, including anxiety and depression.
• Covid-19: Our Coronavirus cover protects you if you fall ill with Coronavirus in the lead-up or during your trip to the USA. 

You can declare your medical conditions either through our website or by speaking to one of our trained professionals over the phone.

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.  There are plenty of USA Travel Insurance options out there, but you’ll want to make sure you choose the right policy for your trip.  Below are a few policy types to consider, depending on your needs and preferences.

• Single Trip Travel Insurance is great if you’re only planning to travel once over 12 months. They offer holiday cover for your destination of choice for trips of up to 365 days
• Annual Multi Trip Travel Insurance works well if you’re travelling more than once within 12 months. Additionally, it’s usually more cost-effective than buying repeat Single Trip policies
• Family Travel Insurance is great if you’re travelling to the States with your family. With this policy, you can cover everyone under the same policy, meaning everyone has the same level of protection
• Group Travel Insurance is tailor-made for you and the group you’re travelling with. Whether it’s friends, family or a mix, up to 10 people can be covered under a single policy. This means you won’t have to take out individual policies for each traveller on your trip
• We also offer optional extras for additional cover on your trip. For example, our Gadget Cover insures your electronic devices and our Golf Insurance protects your golf equipment and unused green fees. Hitting the slopes while in the US?

No, the GHIC (Global Health Insurance Card) was introduced as a replacement for the European Health Insurance Card (EHIC). The GHIC actually only covers EU countries plus Montenegro, Switzerland and Australia.

If you’re buying travel insurance for the USA you’ll need worldwide travel cover.

The cost of your travel insurance for America will vary depending on personal circumstances include your age and your medical conditions, plus the level of cover you need for your trip and the types of activities you’re planning.

An annual policy that includes multi-trip cover will cost more than single-trip travel insurance but can be more cost-effective if you are planning multiple trips in the year.

If you’re travelling on a British passport, you won’t need a visa to gain entry to the USA. There are some exemptions if you’ve visited a small number of other countries in the past. See more on Gov.uk.

Under the US Visa Waiver Programme (VWP) you can stay in the States for up to 90 days without a visa, but you need to gain approval through the Electronic System for Travel Authorisation (ESTA) scheme before you travel. It costs USD21.

The visa is normally instant but can take up to 72 hours so make sure you allow enough time.

Unlike the state-funded NHS in the UK, healthcare in the USA is largely run by the private sector. This makes Travel Insurance absolutely essential for any type of trip to the country, to offset the risk of an astronomical bill should something go wrong.

In the event of an emergency in the USA, dial 911. Tell your Travel Insurance provider the details of what’s happened as soon as it’s safe to do so. Carry your Travel Insurance details with you at all times to lessen the stress when things don’t go to plan.

While the USA is a popular travel destination, it’s important to be aware of potential risks and take precautions to ensure a safe and enjoyable trip:

• Crime – some areas in major cities such as New York have higher crime rates. The FCDO advises British travellers to stay in well-lit, populated areas and avoid walking alone at night. Always keep your belongings secure and be cautious of pickpockets in crowded places.
• Natural disasters – some areas of the USA are prone to natural disasters such as hurricanes, earthquakes, and wildfires, which have been increasingly severe in recent years. Stay informed about the weather conditions and follow local advice during your stay.
• Terrorism – The FCDO warns that attempted terrorist attacks are likely in the USA. You should stay up to date with local media reports, especially in major cities and public places. Always stay vigilant and report any suspicious activity to the authorities.

• Varying state laws: Laws and regulations (including those related to alcohol, traffic such as speed limits) can differ widely between states. Research any specific guidance for your destination
• Paying: Cards are widely accepted in the USA, but always carry a small amount of cash for emergencies or places that accept cash only.
• Hiring a car: In the USA, vehicles drive on the right-hand side of the road. Many highways in the USA are toll roads. 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. 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 speed limits for the areas you’ll be driving in are.
• Tipping culture: this is standard for service workers, including restaurant staff, bartenders, hotel employees, and taxi drivers, to receive tips, as they often rely on them for a significant part of their income. As a general guideline, tipping between 15% and 20% of the total bill is customary.
• Prescription medication: Bring enough medication for your stay in clearly labelled containers.
• Vaccines: check the latest vaccine recommendations for the USA at least eight weeks before your trip
• Emergency contacts: The FCDO has key information about the UK embassy and what to do in an emergency. UK Embassy, travel insurance emergency contact etc. Also remember your travel insurance details with the 24H emergency assistance helpline.

1. New York City

One of the world’s most iconic cities, New York is a cultural hub like no other. Iconic landmarks like the Statue of Liberty, Times Square and Central Park are timeless. Seeing a show on Broadway alongside some world-class dining is always a highlight of any trip to the Big Apple.

2. Los Angeles

This sunny outpost is quite literally the entertainment capital of the world. It’s a must on the bucket list of any movie buff, with glitz and glamour as far as the eye can see. Check out Hollywood and enjoy the vibrant food and arts scene in this star-studded city.

3. Las Vegas

The sin city in the middle of the Nevada desert has been attracting Brits for decades. Dazzling casinos are complemented by world-leading hotels to offer travellers an experience like no other. Stroll down the famous strip, catch a spectacular performance and have a flutter.

To make sure you get the best Travel Insurance for your America trip, you’ll first need to complete our quick and simple 3-step screening process. Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online. Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have. This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Our Travel Insurance policies have helped over 3.5 million travellers to enjoy their trips with peace of mind, knowing they’re protected every step of the way.