Travel Insurance for USA

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Travel Insurance for USA

Travel insurance for the USA protects you against unexpected costs while travelling, including emergency medical treatment, trip cancellation, travel delays and lost luggage. With healthcare in the United States entirely private and extremely expensive, comprehensive USA travel insurance is essential for UK travellers. Whether you’re planning a city break in New York, a family holiday in Florida, a road trip across California or a once-in-a-lifetime visit to Las Vegas or the Grand Canyon, having the right cover in place gives you peace of mind from the moment you book. Covered2Go is FCA regulated and provides UK-based customer support, clear policy wording and flexible levels of cover. Get a quote for USA travel insurance in minutes.

Do I need travel insurance for the USA?

Yes. Travel insurance for the USA is essential and should be arranged as soon as you book your trip.

The USA does not offer reciprocal healthcare to UK visitors. All medical treatment is private, and even a minor illness or injury can result in very high medical bills. Without adequate insurance, you would be responsible for paying these costs yourself.

USA travel insurance can help cover:

  • Emergency medical treatment and hospital stays

  • Ambulance fees and medical evacuation

  • Emergency repatriation to the UK

  • Trip cancellation or curtailment

  • Lost, stolen or damaged luggage

  • Travel delays and missed departures

  • Personal liability

Cover limits, terms and exclusions apply. Always read the Policy Wording carefully.

Healthcare in the USA and why insurance is essential

Healthcare in the United States is among the most expensive in the world. There is no equivalent to the GHIC or EHIC for travel to the USA.

Typical medical costs can include:

  • Emergency room visit: £1,000+

  • Hospital stay: £5,000+ per night

  • Surgery or specialist treatment: tens of thousands of pounds

  • Medical repatriation to the UK: £50,000 or more

USA travel insurance helps protect you from these potentially life-changing expenses. Covered2Go provides up to £10 million in emergency medical cover, depending on your chosen policy level.

What type of travel insurance do I need for the USA?

Most travellers will need Worldwide travel insurance including the USA.

Covered2Go offers several policy options to suit different travel plans:

Single Trip Travel Insurance

Ideal for a one-off holiday or business trip to the USA.

Annual Multi-Trip Travel Insurance

Often more cost-effective if you plan to take two or more trips within a 12-month period. Worldwide policies can include or exclude the USA, so ensure the USA is included when selecting your cover.

Longstay Travel Insurance

Suitable for extended stays in the USA, backpacking trips or longer-term travel across multiple destinations.

Optional add-ons are available, including:

What should my USA travel insurance include?

When choosing travel insurance for the USA, high medical limits are essential.

A good policy should include:

Emergency medical expenses

Covered2Go offers up to £10 million for emergency medical treatment in the USA.

Cancellation and curtailment cover

Protection if you need to cancel or cut short your trip due to unforeseen insured reasons. Platinum policies offer up to £10,000 per person.

Emergency repatriation

Cover for medical evacuation or return to the UK following serious illness or injury.

Personal belongings and baggage

Cover if your luggage, valuables or personal items are lost, stolen or damaged.

Covered2Go offers Silver, Gold and Platinum levels of cover, with different limits and excess options, including £0 excess on Platinum policies.

What isn’t covered by USA travel insurance?

All travel insurance policies include exclusions. Common exclusions include:

  • Pre-existing medical conditions that have not been declared

  • Certain sports and activities unless additional cover is selected

  • Alcohol or drug-related incidents

  • War, terrorism or civil unrest, subject to policy terms

Full details are outlined in the Policy Wording, which should be reviewed before purchasing.

When should my USA travel insurance start?

Your USA travel insurance should start from the date you book your trip, not the date you travel. This ensures you are covered for cancellation if an unexpected event occurs before departure.

Visa and entry requirements for the USA

UK passport holders do not usually need a visa for short visits to the USA, but must apply for an ESTA (Electronic System for Travel Authorisation).

An ESTA:

  • Allows travel to the USA for up to 90 days

  • Costs $21

  • Must be approved before departure

You should ensure your travel insurance covers the full duration of your stay.

Get a quote for USA travel insurance

When travelling to the USA, cheap travel insurance isn’t always the right choice. The right policy should offer high medical cover, clear terms and dependable emergency assistance.

Covered2Go offers flexible USA travel insurance with three levels of cover, so you can choose protection that suits your trip and budget.

Get a personalised quote in minutes. Simply tell us:

  • Where you’re travelling

  • How long you’ll be away

  • Who’s travelling

  • Any optional cover you need

👉 Start your USA travel insurance quote today

Travel with confidence — from the moment you book.

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    Insurance Choice Awards (2022)
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Travel Insurance for USA FAQs

Travel insurance for the USA is usually more expensive because medical treatment in the United States is significantly more costly than in most other countries. Policies include higher medical cover limits, and factors such as age and pre-existing medical conditions can also affect the price.

You should choose a policy with several million pounds in medical cover when travelling to the USA. Covered2Go provides up to £10 million in emergency medical expenses.

Yes, provided all pre-existing medical conditions are declared during medical screening and accepted before you travel.

Yes, you can buy USA travel insurance after booking your trip, but it’s best to arrange cover as soon as you book to ensure cancellation protection.

Yes, USA travel insurance covers emergency hospital treatment when it is medically necessary and within the terms of the policy. Covered2Go policies include cover for hospital stays and emergency treatment in the USA, up to the policy limit.

Yes, even if you’re healthy, travel insurance for the USA is essential. Accidents and sudden illnesses can occur unexpectedly, and medical treatment in the USA is very expensive without insurance.

Yes, USA travel insurance typically covers emergency ambulance services and medical evacuation when medically necessary, including emergency repatriation to the UK, subject to policy terms and conditions.