Best Travel Insurance to the US: 2024 Guide for Smart Travelers

Complete guide to best travel insurance to the US in June 2024. We'll cover the most comprehensive policies currently available, their benefits, coverage, and discounts available in 2023, so you can get the best insurance for your trip!

To save you time, here are the best insurances for your trip:

🏝 Short Stay – 3 months
🇪🇺 You live in EU

– 5% OFF
ACTIVATE DISCOUNT
Valid until 30/06/2024

🏝 Short Stay (- 3 months)
🇬🇧 You live in UK

GET A FREE QUOTE

🧑🏻‍🌾 Working Abroad
🇪🇺 You live in EU

– 5% OFF
ACTIVATE DISCOUNT
Valid until 30/06/2024

👩🏾‍🎓 Studies Abroad
🇬🇧 You live in UK

– 10% OFF
ACTIVATE DISCOUNT
Valid until 30/06/2024

🌍 Long Stay (+ 3 months)
🇪🇺 You live in EU

– 15% OFF
ACTIVATE DISCOUNT
Valid for families

🏝 All type of stays
🇺🇸 You live in US

GET A FREE QUOTE

Promo code applies an automatic and immediate discount.

  1. After clicking on the offer, you will be redirected to the insurer website
  2. Fill in the details of your next trip
  3. Then click on “Get a quote”.
  4. The promo code will be applied automatically.

Meilleure assurance voyage USA

Until 30/06/2024, get a 5% discount on Chapka insurance!
Click here : Activate Promo Code

  1. Enter your trip details: type of travel, destination, dates, and number of travellers.
  2. All done! The discount will be automatically applied to your policy.

The United States of America is a dream destination for many reasons. Not only is it a world hub for culture, business, and entertainment, but it also has a vast range of stunning natural landscapes.

You can enjoy national parks, tropical beaches, deserts, swamplands, and ski resorts, all without ever leaving the US, and that’s before we even get into the fun and excitement of America’s urban centres!

Los Angeles, New York, and Chicago are the most visited cities in the US, but that barely scratches the surface of what this enormous country has to offer. However, American health care costs can be exorbitant, so it’s crucial that you take out insurance.

Travel insurance for the USA is a vital step in ensuring a smooth trip to the country, and to avoid having to pay obscene amounts for medical attention. That’s why I’ve created a guide to all the best insurance options, so you can find the ideal policy for your trip.

Comparing travel insurance to the USA in 2024

As you may know already, receiving medical treatment in the United States could potentially set you back hundreds of thousands of dollars. For this reason, I consider travel insurance to the US to be absolutely essential.

The best way to get a good deal on your travel insurance to the USA is to compare the coverage and benefits of the main insurance providers. To help 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 the USA for short holidays

This guide is based on the most fundamental travel insurance benefits. By referring to the comparative tables below, you can see each insurance company’s corresponding level of coverage.

I’ve also compiled the best deals on the market for short-term travel insurance to the US, that is, under 3 months. To start us off, here’s a fantastic deal on insurance that you don’t want to miss out on:

This 5% discount from Chapka is valid until 30/06/2024.
Click here: Activate Discount

  1. Fill in your info: country, coverage regions, and dates.
  2. Click on “Calculate Price”.
  3. 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

The following table shows the best alternatives for short-term travel insurance to the US. These policies include all the most useful benefits you’ll need for your holiday.

You live in 👉
🇬🇧 UK
🇬🇧 UK
🇺🇸 US
🇪🇺 EU
🇪🇺 EU
🇪🇺 EU
🏝 Short Stay
post office logo
outbacker logo
Travelex Logo
chapka travel insurance
heymondo logo
iati travel insurance logo
🏆
⭐️⭐️
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️
PROMO CODE
– 10%*
– 5%
– 5%
– 5%
Valid until 30/06/2024
GET A QUOTE
ACTIVATE DISCOUNT
GET A QUOTE
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
Price 7 days
£84
£107
$60
24€
25€
24€
Medical expenses
£5,000,000
£15,000,000
$15,000
Unlimited
5.000.000€
500.000€
Accident compensation
£10,000
$10,000
80.000€
60.000€
18.000€
info
Loss or delay of baggage
£1,500
£1,500
$100
3.000€
3.000€
2.500€
Liability
£2,000,000
£2,000,000
info
60.000€
2.000.000€
60.000€
Adventure Sports
Repatriation
Early return
🕵🏽‍♀️ REVIEWS
Post Office Insurance
Outbacker Insurance
Travelex insurance
Chapka insurance
Heymondo insurance
IATI travel insurance
💰 DISCOUNTS
*Valid for students
Promo Code Chapka
Promo Code Heymondo
Promo Code IATI

When looking for the best travel insurance for the US, you want to find the policy that best suits the type of trip you’re taking. As you can imagine, there’s a lot to do in the US, more than you can experience in a lifetime! That’s why it’s so important to be insured.

Here are the best short-term policies for travel insurance to the US for each traveller profile:

Families travelling short-term

Are you planning an American family holiday? Here’s a policy that will ensure that you and your loved ones are covered while in the US.

As mentioned earlier, the US is enormous, so unless you have a fixed itinerary, it’s hard to know exactly what activities you’ll take part in. This policy has been tailored specifically to families and kids, so you can relieve some of that pressure.

Until 30/06/2024, 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.

Solo-travellers and couples travelling short-term

If you’re going on holiday to the United States, it’s vital to be insured in case you run into trouble or have an accident. Here’s an insurance policy that provides the ideal amount of coverage for your trip to the United States.

Get a 5% discount on Heymondo travel insurance valid until 30/06/2024!

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.

Backpackers and adventurers travelling short-term

Are you backpacking through the US? Perhaps you’re going on a classic American road trip? Travel insurance to the US is a must, to ensure that you’re covered for all the activities you want to try, so you can face your trip with peace of mind!

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 30/06/2024.

The best travel insurance for the USA for long-term trips

If you’re going to the US for more than 3 months, it’s even more crucial that you take out insurance, as there are more risks involved when you travel for an extended period of time.

Fortunately, there are plenty of good deals on long stay travel insurance to the US that you can take advantage of now!

You have until the 30/06/2024 to get a 5% discount on Heymondo Insurance!
Click here: Activate Discount

  1. Fill in your info
  2. Click on “Calculate Price”
  3. 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.

Here’s a comparative table showing the best policies for long-term trips of 3 months or more. Think carefully about which benefits are most relevant to the trip you’re taking.

You live in👉
🇬🇧 UK
🇬🇧 UK
🇺🇸 US
🇪🇺 EU
🇪🇺 EU
🇪🇺 EU
🌍 Long Stay
post office logo
outbacker logo
Travelex Logo
chapka travel insurance
heymondo logo
iati travel insurance logo
🏆
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️⭐️
Discount is
– 10%*
– 15%**
– 5%
– 5%
valid until 30/06/2024
GET A QUOTE
ACTIVATE DISCOUNT
GET A QUOTE
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
Price 3 months
£192
£206
$648
229€
210€
338€
Legal assistance
£25,000
£10,000
13.000€
12.000€
3.000€
Covid-19
Medical expenses
£5,000,000
£15,000,000
$50,000
1.000.000€
500.000 €
1.000.000€
Liability
£2,000,000
£2,000,000
4.500.000€
Optional
60.000€
Loss or delay of baggage
£1,500
$200
150€
200€
300€
Baggage theft and damage
£1,500
£1,500
$1,000
2.000€
Optional
2.500€
Adventure Sports
200€
Repatriation
Veterinary Assistance
Early Return
60.000€
🕵🏽‍♀️ Reviews
Post Office Insurance
Outbacker Insurance
Travelex Insurance
Chapka insurance
Heymondo insurance
IATI travel insurance
💰 Discounts
*Valid for students
**Valid for a family
Promo Code Heymondo
Promo Code IATI

Families travelling long-term

As mentioned earlier, travel insurance is a must when travelling for longer than 3 months, and travelling without it is highly ill-advised, and family travel is certainly no exception.

There is an incredible promotional deal on a family policy available now, so you can save money on insurance, and rest assured that the family is covered in the event of a problem or accident. Peace of mind is your best travelling companion, so get in quick!

Get a 15% Discount on Chapka Adventure for a family of 3 persons or more (valid until 30/06/2024).

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.

Solo-travellers and couples travelling long-term

There are no limits to the fun things you can do in the United States. When contracting travel insurance to the US, it’s a good idea to opt for the broadest coverage possible, so you don’t miss out on any of the fun!

Activate 5% Discount at Heymondo Insurance (valid until 30/06/2024).

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.

Backpackers and adventurers travelling long-term

As with any country of that size, there are constant risks for travellers in the United States. From natural disasters to crime, food poisoning to motor accidents, it’s important to consider all the risks, especially if you’re a backpacker or adventurer.

It’s impossible to foresee what activities you’ll try there, so I strongly advise you to play it safe and not cut any corners when selecting travel insurance for the US.

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 30/06/2024, 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!

assurance voyage Etats Unis

The best travel insurance to the USA for digital nomads and businesses

Now I’d like to share some great deals on travel insurance to the US available now, categorised by traveller profile. We’ll start with digital nomads and businesses.

Digital nomads are perhaps the most likely to have to make an insurance claim, as they travel a lot, and carry valuable equipment. If you’re a digital nomad, you simply can’t afford to take the risk, even if you’re in a place that you consider to be safe.

Get a 5% discount on Heymondo until 30/06/2024. Get in quick!
Activate Discount Here

  1. Fill in your trip info
  2. Click on “Calculate Price”.
  3. 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.

Here’s another table. This time, for digital nomads and businesses seeking travel insurance for the US:

chapka assurance
heymondo logo
iati seguros logo
logo safetywing
world nomads logo
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️
⭐️
⭐️
Price 3 months
174€
210€
338€
126€
195€
Discount valid until 30/06/2024
– 15% for families
– 5%
– 5%
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
GET A QUOTE
GET A QUOTE
Legal assistance
13.000€
12.000€
3.000€
Covid-19
Medical expenses
1.000.000€
500.000 €
200.000€
222.600€
£10,000,000
Hospitalization
Actual costs
500.000€
250.000€
200.000€
£10,000,000
Theft or loss of luggage
2.000€
2.500€
Optional
2.670€
£2000
Repatriation
Actual costs
Actual costs
Actual costs
17.800€
Actual costs
Sports activities
Optional
Recommended for
All types of stays
All types of stays
All types of stays
Digital nomad
All types of stays
Review
Chapka insurance
HeyMondo insurance
IATI travel insurance
SafetyWing insurance
Word Nomads Insurance
Discount >
Promo Code Chapka
Promo Code HeyMondo
Promo Code IATI

The best travel insurance for the USA for working holidays

The United States, or “The land of opportunity,” is a major hub for global business and trade, and thus, it’s a great place for a working holiday.

The US is a diverse melting pot of people and cultures, it truly does have a bit of everything. However, to experience your working holiday hassle-free, you need working holiday travel insurance for the USA, as it is suited to that specific type of trip.

Enjoy a 5% discount on Chapka Working Holiday insurance (valid until 30/06/2024)
Click Here: Activate Discount

  1. Fill in your trip info
  2. Click on “Calculate Price”.
  3. 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.

Here’s a table for those seeking travel insurance to the USA for a working holiday:

chapka assurance
heymondo logo
iati seguros logo
logo safetywing
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️⭐️⭐️
⭐️
Price 1 month
35€
80€
51€
42€
Discount valid until 30/06/2024
– 5%
– 5%
– 5%
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
GET A QUOTE
Legal assistance
13.000€
12.000€
3.000€
Medical expenses
500.000 €
200.000€
1.000.000€
222.600€
Hospitalization
200.000€
500.000€
Actual costs
250.000€
Theft or loss of luggage
2.000€
Optional
2.500€
2.670€
Repatriation
Actual costs
Actual costs
Actual costs
17.800€
Sports activities
Optional
Phone theft
Camera or drone theft
Recommended
All types of stays
All types of stays
All types of stays
Digital nomad
Review
Chapka insurance
Heymondo insurance
IATI travel insurance
SafetyWing insurance
Discounts
Promo Code Chapka
Promo Code HeyMondo
Promo Code IATI

Best annual travel insurance to the USA

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 30/06/2024.

I consider the following benefits to be essential for any annual travel insurance to the US:

  • Strong coverage for medical expenses
  • Repatriation and early return
  • Covid-19 cover
  • Luggage theft or damage
  • Trip cancellation cover
If you need annual travel insurance, we’ve got you covered! Use this comparative table to find the ideal option for you:
heymondo logo
chapka assurance
logo safetywing
acs assurance voyage
iati seguros logo
⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️
⭐️
⭐️⭐️
⭐️⭐️⭐️
Price for 1 year
169€
198€
504€
600€
751€
Discount valid until 30/06/2024
– 5%
– 10% for families
– 5%
ACTIVATE DISCOUNT
GET A QUOTE
GET A QUOTE
ACTIVATE DISCOUNT
ACTIVATE DISCOUNT
Covid-19
Medical expenses
3.500.000 €
300.000€
222.600€
150.000€
500.000€
Hospitalization
Actual costs
300.000€
300.000€
Actual costs
Actual costs
Theft or loss of luggage
1.700€
2.000€
2.670€
1.150€
1.500€
Repatriation
Actual costs
Actual costs
17.800€
Actual costs
Actual costs
Sports activities
Optional
Covered
Covered
Covered
Covered
Phone theft
Camera or drone theft
Recommended for
All types of stays
All types of stays
Digital nomad
All types of stays
All types of stays
Review
HeyMondo insurance
Chapka insurance
SafetyWing insurance
ACS insurance
IATI travel insurance
Discount >
Promo Code HeyMondo
Promo Code Chapka
Promo Code IATI

Best travel insurance to the USA for students

The United States is home to the eight prestigious Ivy League schools, and American student culture has been made famous by film and television. If you’re headed to the US to study, you’re bound to have a great time.

Student travel insurance plans are ideal for foreign exchange students. These policies are designed to meet students’ needs, and provide broad coverage, so you don’t have to worry about having to pay any outrageous fees while you’re away.

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 June 2024:
Click here: Activate Discount

  1. Fill in your trip info (country of residence, travel dates, type of insurance).
  2. Click on “Calculate your Insurance”.
  3. 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 the US at the best price in 2024

Travelling around the US is expensive, especially in the most popular American cities, such as New York, Los Angeles, Washington, D.C. and San Francisco. 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 the following factors are just as important:

  • Flights
  • Accommodation
  • The card you use
  • How you book your activities

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 visit an extra US state!

Fly at reduced prices!

Flights to the United States are expensive, as well as domestic flights from within the country. Luckily, I have a little trick to share with you:

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 June 2024, 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

Accommodation is another costly expense for travel to the US, but with a little effort, you can save big!

Access Booking.com now and get discounts of up to 15% in June 2024 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

Paying fees for overseas bank transactions is a total waste of your travelling pocket money! Here’s how to avoid doing so:

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

Above and beyond the tricks I’ve outlined above, you can also save money on the activities you take part in by booking them 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!

Discounts on Travel Insurance for the USA

Of course, the main way to save on your trip is to get your insurance policy at a discounted price. We’re here to help you, as you can take advantage of the following exclusive discounts on cheap travel insurance to the USA:

– 5% OFF
🏝 Short Stay 🧑🏻‍🌾 Working Holiday 👩🏾‍🎓 Studies

ACTIVATE DISCOUNT
Valid until 30/06/2024

chapka travel insurance

– 10% OFF

ACTIVATE DISCOUNT
Valid until 30/06/2024 on studies abroad

outbacker logo

– 15% OFF
🌍 Long Stay ✈️ MultiTrip 1 Year

ACTIVATE DISCOUNT
Valid until 30/06/2024

heymondo logo

– 15% OFF
🌍 Long Stay

ACTIVATE DISCOUNT
Valid until 30/06/2024 for families

chapka travel insurance

Promo code applies an automatic and immediate discount.

  1. After clicking on the offer, you will be redirected to the insurer website
  2. Fill in the details of your next trip
  3. Then click on “Get a quote”.
  4. The promo code will be applied automatically.

What are the entry requirements to the United States?

To enter into the US, you need to have several documents before you arrive, 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 an American visa cost?

To enter 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.

It is important to start the ESTA application process at least 72 hours before departure.

How much does health care cost in the US?

To understand why purchasing travel insurance to the US is so vital, consider this real life example from my last trip to the US. The cost of our travel insurance for a fortnight was €903.46. This insured 2 adults and 2 children with comprehensive coverage.

In the United States, a simple medical consultation for a urinary tract infection can cost $65,000. In addition to standard medical coverage, the best travel insurance to the US covers dental expenses, as well as damaged or lost luggage.

If you add up all the expenses of a trip, such as accommodation, airfares, car rental, meals, museums, and entertainment, you will find that buying travel insurance to the US is one of the lowest expenses. Even more reason to contract travel insurance.

Is travel insurance to the USA mandatory?

No. You are not obliged to take out insurance to visit the United Sates. However, this does not mean that it is recommended to travel without insurance. Quite the opposite!

Accidents and claims while travelling do not only happen to other people! In fact, approximately 1 in 3 travellers have used their travel insurance at some point. The probability is even higher for long trips.

As mentioned, simple medical consultations are extremely expensive, even for American citizens. Conversely, if you decide to take out travel insurance, you can access the best hospital services in the country without paying extra.

Needless to say, it’s not a good idea to skip travel insurance for the USA, it’s an important investment!

What should my travel insurance for the USA cover?

The most useful travel insurance to the US will cover unexpected medical expenses in the country. If you or a fellow traveller gets sick while travelling, you can book a medical appointment without having to pay a cent.

Some common travelling incidents include: severe headaches, food poisoning, and accidents requiring medical attention. Travel insurance covers all of this and more… For travel to the US, I strongly advise that your insurance policy covers the following:

  • Medical expenses: the insurer must cover your medical expenses if you get sick or have an accident in the US. Remember, getting medical treatment in the United States 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 American cities.
  • 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). US airlines and airports are notorious for misplacing luggage.
  • 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. All coverage conditions appear in each quote, so read it carefully before you embark on your trip.

Again, I hope that nothing unexpected happens during your trip. However, the risk of getting sick or unfortunate injuries is constant, even when exercising all the caution in the world. Remember, insurance is an investment! As prevention is better than curing.

How much does travel insurance for the USA cost?

Because of the high health care costs in the country, travel insurance to the US is pricier than other regions around the world.

Here is a set of average prices for travel insurance to the USA:

  • 30-47 € per week for short trips.
  • 76-141 € per month for long trips, nomadic or business travel.
  • 39-111 € per month for business travel (Working Holiday).
  • 39-104 € per month for overseas study travel.

Finding cheap travel insurance to the USA means more money leftover for you to explore the States! That’s why it’s important to compare travel insurance and look for discounts to find the cheapest options in relation to coverage.

To receive your quote and find exact prices, simply visit the official websites of the companies I’ve mentioned.

How to take out travel insurance to the USA?

Taking out tailor-made travel insurance to the USA is an essential step towards having a worry-free journey. 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 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: the USA, because of its high medical costs, generally has its own category on insurance websites, called “World including US”;
  • Insurance add-ons (if required), such as cancellation cover or coverage for adventure sports.

If you should need medical attention, simply contact the insurer and ask them what to do. You should be directed to the nearest accredited clinic to where you are staying. All insurers provide a free emergency number.

In most cases, the insurer itself already pays all expenses directly with the clinic or hospital.

Is the US a safe country to visit?

The United States has a relatively high crime rate, particularly gun crime. However, these crimes rarely involve tourists. Mass shootings, for example, account for a very small percentage of homicides in the US.

Avoid walking around with large amounts of cash, and if you’re walking alone at night in an American city, make sure you don’t wander away from the well-lit streets. If you run into any issues, contact the Police, and your country’s embassy in the US.

Ultimately, the US is a huge country, and there are many safe places, as well as dangerous ones. It’s always a good idea to check your country’s Government website for official travel advice to the USA, and don’t forget to research the places you’re going.

Fear of crime should certainly not deter you from visiting this beautiful and diverse country. As long as you are insured, and exercise precaution, you will have a fantastic time in the United States!✈️🇺🇸

Picture of Michaël Louis

Michaël Louis

I am a digital nomad with a passion for new technologies and travel. We created Planet Nomad to help you on your way to geographical freedom: digital nomadism and online entrepreneurship.

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