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