Travel Insurance for the USA

High risk destinationER visit from $1,500–$3,000. Hospital stays from $2,000–5,000/night. Surgery from $30,000.
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Insurance Required

Most travellers on ESTA/B-1 visa do not need proof of insurance, but are unwise to travel without it.

What your policy should cover for the USA

Medical

Min. $100K

Evacuation

Min. $50K

Baggage

Min. $1,500

Trip cancel

Full cost

Key risks in the USA

  • 1
    Extremely high medical costs (highest in the world)
  • 2
    No public healthcare for tourists
  • 3
    Prescription drug costs
  • 4
    Trip cancellation due to hurricane season (June–November in Southeast)

Insurance tips for the USA

USA has the world's highest healthcare costs — a single ER visit without insurance can cost more than your entire trip
Ensure your medical coverage is at least $500,000 — some policies offer $1M+ for the USA
Travel insurance is essential for any USA trip, even a short one
Credit card travel insurance rarely covers the full cost of a US medical emergency

Get covered for the USA — from $3/day

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Frequently Asked Questions

Do I need travel insurance for the USA?

The USA has the world's most expensive healthcare system. There is no public healthcare for tourists. A single ambulance ride can cost $1,000–3,000; an overnight hospital stay $5,000–15,000. Travel insurance with high medical coverage (at least $500,000) is essential.

How much medical coverage do I need for the USA?

Aim for at least $500,000 in medical coverage for the USA, ideally $1M+. A serious accident requiring ICU care and repatriation could easily exceed $200,000.

Does travel insurance cover pre-existing conditions in the USA?

It depends on your policy. You must declare all pre-existing conditions when purchasing. Some insurers offer a waiver for stable conditions if you buy within a certain period of booking your trip.

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