HomeTravel InsuranceTravel insurance for the USA

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:

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:

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:

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:

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.

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
  • Your age
  • 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:

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.

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 02/09/24. T&Cs apply.

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