New York City is a destination you simply must visit once in your life. Countless fascinating events have taken place there, from historic moments, to scenes from our favourite films and series.
Manhattan and Brooklyn are the city’s most exciting boroughs, where walking the streets is an incredible sensory experience in itself!
However, as with any American city, health care costs can be exorbitant. That’s why it’s important to take out travel insurance to New York. Let’s take a closer look…
Travel insurance to New York is essential for a carefree holiday in the city, especially when it comes to protecting your bank account. Here’s a guide to all the best insurance options, so you can find the one that suits you best.
Comparing travel insurance to New York City in 2026
As you may know already, if you were to require medical treatment in the United States, it could set you back hundreds of thousands of dollars. For this reason, travel insurance to New York, and the US in general, is essential.
The best way to get a good deal on your travel insurance to New York is to compare the coverage and benefits of the main insurance providers. To make this easier for you, I’ve created several comparative tables, each suited to a specific traveller profile.
Comparing insurance options will not only help you save money, but it will also help you get the right level of coverage for the type of trip you plan to take.
The best travel insurance to New York for short holidays (less than 3 months)
I’ve based this guide on the most fundamental travel insurance benefits. Within the comparative tables, you’ll see each insurance company’s corresponding level of coverage.
Continue reading to see all the best deals on travel insurance to New York, one for each traveller profile. If you’re headed to the Big Apple, here’s a deal on insurance that you don’t want to miss out on:
This 5% discount from Chapka is valid until 11/05/2026.
Click here: Activate Discount
- Fill in your info: country, coverage regions, and dates.
- Click on “Calculate Price”.
- Done! Your discount will be applied automatically.
Chapka’s most useful benefits for short holidays include:
- Extensive medical assistance at the destination
- Repatriation and early return
- Cover for loss or damage to baggage
When looking for travel insurance to New York, you want to find the policy that best suits your specific trip. As I’m sure you can imagine, there’s a lot to do in New York City! That’s why it’s extra important to be covered while there.
Here are the best short-term policies for travel insurance to New York City for each traveller profile:
Short-term travel insurance for families
Are you taking the family on holiday to New York? Here’s a policy that will ensure that you and your loved ones are covered while in the US.
New York City can be a stressful place to travel with children. This policy has been tailored specifically to families and kids, so you can relieve some of that pressure.
Until 11/05/2026, get 5% off Heymondo Insurance when you travel as a family.
If you’re seeking coverage for an adventure with the whole family, this is a great option. It offers medical assistance abroad, pharmaceutical expenses, repatriation of minors, and children’s liability.
Short-term travel insurance for solo-travellers and couples
If you’re going on holiday to New York City, you want to be covered in the event of any unforeseen incidents. Here’s an insurance policy that provides the ideal amount of coverage for your solo or couple’s trip.
Luckily, there’s a promotional offer available now for a limited time only!
Get a 5% discount on Heymondo travel insurance valid until 11/05/2026!
This is the ideal option for travellers exploring the world on their own or as a couple. This policy offers good value for money, has broad equipment and medical coverage, insures you during sporting activities, and even covers pre-existing conditions.
Short-term travel insurance for backpackers and adventurers
Heymondo is the perfect insurer for adventurous travellers, and for travel to countries with high medical expenses. Its comprehensive coverage includes motor vehicle accidents and adventure sports.
Activate your coupon for a 5% discount on Heymondo, available now until 11/05/2026.
The best travel insurance to New York City for long-term trips (over 3 months)
If you’re going to be on the road for an extended period of time, it’s all the more important to take out insurance. Lucky for you, there are plenty of good deals on long stay travel insurance to New York City that you can take advantage of now!
You have until the 11/05/2026 to get a 5% discount on Heymondo Insurance!
Click here: Activate Discount
- Fill in your info
- Click on “Calculate Price”
- You’re ready to go! Your discount will be applied automatically.
Remember, the longer the trip, the higher the chance that something will go wrong at some point.
For families travelling longer than 3 months
As mentioned earlier, travel insurance is a must when travelling long-term. Family travel insurance to New York City will allow you to travel with the comfort of knowing that you and your loved ones are covered in case you need to make a claim.
Currently, there is a great deal on a policy that will help your family trip to NYC run as smoothly as possible. So don’t miss out!
Get a 15% Discount on Chapka Adventure for a family of 3 persons or more (valid until 11/05/2026).
This is a great option for long-term family trips. It includes a 24-hour medical chat, repatriation and early return, and pharmaceutical expenses because access to prescription drugs is crucial when travelling with the little ones.
For solo-travellers and couples travelling longer than 3 months
New York City is an enormous metropolis, and there are no limits to the things you can do there. When contracting travel insurance to New York, make sure all your activities are covered by your policy, so you don’t miss out on any of the fun!
Activate 5% Discount at Heymondo Insurance (valid until 11/05/2026).
If you’re ready to dive straight into your next big adventure, either solo, or with a partner, you want peace of mind.
This insurance policy is ideal for long-term trips (from 1 to 12 months), as it includes a high level of medical costs, repatriation, and it allows for renewal whilst on the road.
For backpackers and adventurers travelling longer than 3 months
What’s great about New York City is that there’s always something to do, even at 5AM! But as with any city of that size, there are constant risks for travellers.
Taking out long-term travel insurance to New York City is essential if you plan to stay for a long time. It’s impossible to foresee what activities you’ll try there, so I strongly advise you to play it safe and opt for the broadest coverage possible!
If you’re an intrepid traveller who’s ready to leap into the unknown and experience the adrenalin and adventure of your next trip, this next long-term travel insurance is for you.
Until 11/05/2026, get a 5% discount on Heymondo Travel Insurance.
Perfect for backpackers, this policy includes a wide variety of high-risk activities, such as activities with undomesticated animals, jet skiing, and off-roading!
The best travel insurance to New York City for digital nomads and businesses
There are some great deals on travel insurance to New York City available now, perfectly suited to digital nomads and businesses.
Digital nomads are perhaps the most likely to have to make an insurance claim, as they travel a lot, and with valuable equipment. If you’re a digital nomad, don’t take the risk!
Get a 5% discount on Heymondo until 11/05/2026. Get in quick!
Activate Discount Here
- Fill in your trip info
- Click on “Calculate Price”.
- All done! The discount will be applied automatically.
Some of the most useful benefits of Hey Mondo travel insurance for digital nomads include:
- 24/7 assistance platform.
- Repatriation and early return.
- Travel expenses for a family member if you are hospitalised for over a week.
The best travel insurance to New York City for working holidays
New York City is a very busy place, and is one of the world’s major business hubs, and thus, it’s a great place for a working holiday.
NYC is a wonderful melting pot of people, cultures, and languages, and you can even find top-quality cuisine from virtually any country! However, to experience your working holiday with peace of mind, you need working holiday travel insurance.
Enjoy a 5% discount on Chapka Working Holiday insurance (valid until 11/05/2026)
Click Here: Activate Discount
- Fill in your trip info
- Click on “Calculate Price”.
- Done! The discount will be applied automatically.
The most useful benefits that Cap Working Holiday gives those working abroad include:
- Coverage during short trips to your home country.
- Repatriation and early return.
- Medical expenses and hospitalisation abroad covered at 100%.
- This policy is renewable abroad, in case you decide to extend your stay.
Best annual travel insurance to New York City
With an annual travel insurance plan, you’ll be covered during all your short-term trips in a year. Travel insurance doesn’t get more convenient!
Annual insurance is essential for frequent travellers. This package insures you for all the trips you take in a year, so you can save time and money on insurance. Each trip under 60 days will include cancellation coverage and a 24-hour assistance platform.
Activate a 5% Discount on Heymondo Annual Multi-trip, only valid until 11/05/2026.
I consider the following benefits to be essential for any annual travel insurance to New York:
- Strong coverage for medical expenses
- Repatriation and early return
- Covid-19 cover
- Luggage theft or damage
- Trip cancellation cover
Best travel insurance to New York City for students
New York has many great universities, and the city has plenty of opportunities for you to further your education in a diverse and dynamic environment. If you’re thinking of taking a semester abroad in New York, it’s bound to be an unforgettable experience!
A student travel insurance plan is precisely what you need if you’re going on an exchange. Such policies are designed to meet students’ needs, and provide broad coverage, so you can focus on the adventures ahead of you.
Chapka Student is perfect for students heading abroad. This policy is especially useful for students studying in countries with high medical costs, such as the USA, Canada, Australia, New Zealand and Japan.
Get a 5% discount on Cap Student in May 2026:
Click here: Activate Discount
- Fill in your trip info (country of residence, travel dates, type of insurance).
- Click on “Calculate your Insurance”.
- All done! The discount will be applied automatically.
Cap Student also covers travel and accommodation costs for a family member to visit you if you are hospitalised for 2 days or more:
- Repatriation and early return.
- Chronic, pre-existing or congenital conditions.
- Dental expenses.
- Personal injury from motor vehicle accidents.
Travelling to New York at the best price in 2026
New York can be incredibly pricey, especially when paying for things like accommodation. When visiting an expensive destination, you want to try to save as much as you can.
Over the years, I’ve compiled some little tricks that have helped me save money on my travels, and today, I’d like to share them with you!
There are countless ways to make your travels cheaper. Choosing insurance that is tailored to your needs is vital, but remember that flights, accommodation, the card you use, and how you book your activities are crucial factors as well.
By saving money on your travels, you can focus on the things you enjoy about travelling. Follow these tips, and you might just find that by the end of your trip, you have enough money left over to go to that famous New York restaurant you heard about!
Fly at reduced prices!
You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.
Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:
In May 2026, enjoy a 59% discount on NordVPN.
Click here: Activate Discount
Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.
The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!
Stay at a discount all year round
Access Booking.com now and get discounts of up to 15% in May 2026 by becoming a Genius user.
There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).
As a Genius user in Booking.com, you can enjoy:
- Discounts on room rates.
- Free breakfast.
- Upgrades to superior room categories.
- Free parking.
- Late check-out.
- Welcome gifts.
In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.
Access to get discounts of up to 15% by becoming a Genius user.
Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!
Get the best travel card
If you travel frequently, the Revolut Metal Card is another great way to save money. For starters, they offer you unlimited currency exchanges without paying any fees!
This Card allows you to make unlimited domestic transfers free of charge, and withdraw up to £800 a month from international ATMs.
If you spent £650 abroad in a month using a standard card, and withdrew £350 at ATMs, you would have paid around £44 in fees.
With the Revolut Metal card, you would have paid £0 in fees.
Reserve your entertainment and sightseeing in advance
GetYourGuide is an indispensable tool for organising any trip to any destination. It’s a platform that helps you book tourism and leisure activities for your trip.
With GetYourGuide, you can book your activities online to avoid queues, and take advantage of a discount for online bookings. This way, you save time and money, so you can enjoy more activities during your trip!
What are the entry requirements to the United States?
To travel to New York, you need to have several documents before you leave, including a valid passport, and an ESTA. Each person travelling must have one of these documents—even children!
However, since June 2022, it is also compulsory to present a certificate of vaccination against COVID-19. In this regard, it is worth mentioning that you must have been vaccinated within 14 days of the date of travel.
How much does a visa to New York cost?
To enter New York or any other city in the United States, you need an ESTA, or Electronic System for Travel Authorization. This visa is obtained online and must be presented at customs. For European passport holders, this costs 14 USD.
In addition, it is important to start the ESTA application process at least 72 hours before departure.
Is travel insurance to New York mandatory?
No, travel insurance is not mandatory for entry into New York, or the United States in general.
However, it is still crucial that you take out insurance, to avoid putting yourself into a nasty financial position. It’s simply not worth the risk.
What should travel insurance to New York City cover?
Your travel insurance to New York City should cover the following costs:
- Medical expenses: the insurer must cover your medical expenses if you get sick or have an accident in New York. Remember, getting medical treatment in the US can be extremely expensive.
- Lost luggage: can be reimbursed in case of loss, or theft of luggage, personal belongings, or travel documents. Petty crime is common in the busy streets of New York City.
- Flight cancellations and delays: if you experience flight cancellations or delays, you will be entitled to a refund.
- Medical emergency (accident or illness).
- Repatriation or funeral expenses abroad.
- Delayed baggage (and emergency replacement of essentials).
- Travel delays due to weather.
Insurers may offer additional services, depending on the plan, and the destination you choose. You may need to add supplementary coverage for your trip.
Another point to keep in mind is that insurers generally cover pregnancy expenses, however, most only provide cover if the trip occurs during the first 3 months of pregnancy.
All coverage conditions appear in each quote, so check it carefully to make sure all your needs are met in case you run into any issues.
What type of coverage will you need?
There are different types of coverage, depending on what you want to do:
- A simple round-trip, with certain dates and scheduled destinations.
- A trip with multiple destinations, common among backpackers and digital nomads travelling to different destinations in the same year.
Check all the details:
Make sure that the coverage is correct and that it is consistent with the activities you plan to take part in.
In addition, it’s important to check:
- Pre-existing medical conditions
- Natural disaster coverage
- High-risk sports
Tip (from personal experience): if you have a pre-existing condition, such as a chronic disease or allergies, it’s essential to keep a medical record from your doctor. This must contain:
- Summary of all the details of your current state of health
- Medications that you take
- Any other aspect that you consider necessary
How to select the right travel insurance to New York City?
When buying travel insurance to New York, you should consider the following questions, so you can select a plan that is well-adapted to your needs.
First, ask yourself these essential questions:
- What type of trip is this?
- What level of coverage do I need, considering all my activities?
- What is the duration of my trip?
Remember, New York City is enormous. There are endless opportunities, both regarding places to go, and things to do. Keep this in mind when buying travel insurance to New York.
How much does travel insurance to New York cost?
The price of travel insurance to New York City will depend on a variety of factors. In particular, prices will depend on the duration of the trip, the level of coverage chosen, the type of insurance, and the people being insured.
Saving money on travel insurance means more money to spend on your travels, or to save for when you return home. Remember to compare travel insurance and look for discounts to find the cheapest options suited to your trip.
How to take out a travel insurance to New York?
Taking out tailor-made travel health insurance to New York, and the US in general is an essential step towards having a worry-free holiday in the United States. But if you’re worried about how to go about it, don’t worry! Here’s a quick summary.
Although you don’t have to present any international travel insurance to New York at customs, it’s still highly advisable to take out insurance.
To do so, simply go to the website of one of the insurance companies I’ve mentioned in this post, and indicate:
- The duration of your trip
- The number of people
- The country of origin
- The country of destination
During this process, you will be able to add or remove coverage according to your needs. Super easy!
Is it safe to travel to New York?
When in New York, it’s important to have your wits about you at all times. Violent crime does occur in the city, but typically, tourists are only targeted for petty crime.
In fact, the NYPD has created an entire web page to help residents and visitors avoid and prevent crime in New York City. This contains all the information you need to stay safe in the city, and even has educational videos on avoiding scams.
Calling the police in New York City:
- 911: for emergencies
- 311: for non-emergencies
In general terms, New York is not as dangerous as it may appear in the movies, and has become much safer in recent decades. If you stay alert, and exercise common sense, you shouldn’t have any problems.
Your visit to New York City will surely become a lifelong memory, so enjoy it! 
