Travel Insurance for the USA

Travel Insurance for the USA is a policy that includes cover for a trip to the United States. Depending on the policy you choose, it can cover emergency medical treatment, medically necessary repatriation, cancellation, and lost or stolen belongings.

Check that your insurance specifically includes the USA, as some Worldwide policies exclude it. You’ll also need cover for your full travel dates, any other countries on your itinerary and the activities you plan to enjoy.

AllClear offers Single Trip and Annual Multi-Trip options for USA holidays, with no upper age limit. Declare your pre-existing medical conditions when getting a quote so we can assess the cover available for your trip.

Why do you need Travel Insurance for the USA?

The USA famously has some of the world’s most expensive emergency medical care. Even an ambulance can cost around $1,300 (roughly £1,020).  As medical Travel Insurance specialists, our USA Travel Insurance protects you from costs like these if you have a medical emergency during your USA trip.

Travel Insurance for the USA can help you:

• Manage unexpected medical costs – Wherever you go in the USA, you’re covered for medical emergencies and accidents, including those related to existing medical conditions you have declared. Without cover, a heart attack in the USA could cost you up to $290,000 (or £230,000)
• Explore different states on one trip – Travel with confidence and flexibility with a policy tailored to your travel needs. From Florida’s beaches to Washington’s national parks, arrange cover for your full itinerary and the time you’ll be away
• Get support when you need it – Whether this is your first time in America or you’re a seasoned traveller, knowing you’re protected lets you relax and enjoy your trip. Plus, you will have access to our 24/7 helpline, should you need support while in the USA

Before you go, check that your policy includes the USA, covers your declared and accepted medical conditions, and provides enough cancellation cover for your prepaid holiday costs. Read the Policy Wording so you know what’s included and who to contact if you need help.

Planning a USA holiday often means paying for flights, hotels and experiences well before you leave. Travel Insurance gives you a way to protect that spending and arrange support for unexpected problems abroad.

Choose your policy before you travel and check that it meets your needs, including cover for any declared and accepted medical conditions.

Finding cover for an American holiday can take more thought when you have a medical condition. At AllClear, we’ve spent more than 25 years specialising in medical Travel Insurance, helping travellers find protection that accounts for their health.

Tell us about your medical history and USA travel plans, then compare our Gold, Gold Plus and Platinum policies. Choose the level of protection that suits your holiday, with an emergency medical team available if you need help abroad.

With AllClear, you’ll benefit from:

First, check that the policy specifically includes the USA – some Worldwide policies exclude it. Include any other countries on your itinerary and make sure the permitted trip length covers your whole journey.

Pay particular attention to emergency medical and repatriation cover, and declare your pre-existing medical conditions. Compare the cancellation limit with your prepaid holiday costs, then check baggage limits and the excess you’d pay towards a claim.

Think about what you’ll do during your visit. A Caribbean cruise departing from Florida or a golf holiday may need additional cover. Check the activities included before booking excursions.

The length of cover available for your USA holiday depends on your age and whether you choose Single Trip or Annual Multi-Trip Travel Insurance.

Single Trip Travel Insurance covers one journey for the dates shown on your Policy Schedule. Trips cannot exceed 12 months, but check the maximum duration available to you when getting a quote.

Annual Multi-Trip Travel Insurance covers USA trips lasting up to 45 days if you’re aged 70 or under, with the option to extend this to 50 or 55 days for an additional premium. If you’re 71 or over, the maximum is 35 days per trip, and extensions are not available.

USA Travel Insurance can cost more to cover compared to destinations like Europe because medical care in America is expensive. Hospital treatment, surgery, and specialist transport can lead to substantial bills, which insurers factor into your quote.

Our own claims experience shows how much this care can cost. After one AllClear customer suffered a heart attack in California, their treatment, hospital stay and medically escorted journey home cost nearly £1 million. 

Planning several holidays? Compare Single Trip and Annual Multi-Trip quotes to see which offers better value. Check that your policy includes the USA and covers the full length of each trip.

Get a personalised AllClear quote online or by phone to find out the cost for your USA plans.

Medical treatment in the USA can be expensive, and British visitors aren’t entitled to free healthcare through the NHS. Suitable Travel Insurance can help with the cost of unexpected treatment and getting you home if medically necessary.

If you need medical help during your trip:

• In an emergency, call 911 and ask for an ambulance. Get urgent help first, then contact your insurer as soon as it’s safe to do so
• Contact your medical assistance team as soon as it’s safe if you’re referred to a hospital or clinic. If you’re asked for a deposit or payment, speak to your insurer before paying
• Keep your policy details to hand, including your policy number and emergency assistance number. Share them with your travelling companions so they can help if you’re unable to call yourself

Keep any medical reports, bills and receipts, as you may need them to support a claim.

If you’re travelling on a full British citizen passport, you may be able to visit the USA for up to 90 days without a visa under the Visa Waiver Programme. You must meet the eligibility requirements and have an approved Electronic System for Travel Authorisation (ESTA) before travelling.

An approved ESTA costs US$40.62 and is generally valid for two years, or until your passport expires, whichever comes first.

Your travel history and personal circumstances can affect your eligibility. Check the latest USA entry requirements on GOV.UK before applying.

Apply through the official ESTA website as soon as you make your travel plans. Decisions usually arrive within 72 hours, but approval isn’t instant, so allow plenty of time before departure. An ESTA is a travel authorisation, not a visa.

Planning to spend a few weeks in Florida, visit family across the States or finally take that American road trip? Longer holidays can be especially appealing later in life, but there are a few extra things worth considering before you go.

Healthcare in the USA can be expensive, particularly if you need emergency treatment or hospital care. That’s why it’s important to arrange Travel Insurance that reflects your age, medical history and holiday plans.

If you’re staying for several weeks or months, check the maximum trip duration available for your age and policy. Also, make sure your policy covers your entire journey, including any planned activities. 

We specialise in Travel Insurance for over 70s, including people with pre-existing medical conditions. Our policies have no upper age limit, so you can explore America at any age.

The USA is a popular holiday destination, but it’s important to understand the potential risks and take a few precautions before travelling.

• Crime – As with any destination, crime levels vary across the USA. Take extra care in busy tourist areas, keep valuables secure and avoid walking alone in unfamiliar or poorly lit places at night.

• Natural disasters – Certain parts of the USA are vulnerable to hurricanes, earthquakes, wildfires and other extreme weather events. Check local weather warnings, particularly during hurricane and wildfire seasons, and follow advice from local authorities.

• Terrorism – The FCDO advises that terrorist attacks could occur in the USA. Stay alert in crowded public places, follow local news and report any suspicious activity to the authorities.

Before your holiday, check the latest FCDO travel advice for the USA for up-to-date safety information and regional guidance.

1. New York City

One of the world’s most iconic cities, New York is a cultural hub like no other. Iconic landmarks like the Statue of Liberty, Times Square and Central Park are timeless. Seeing a show on Broadway alongside some world-class dining is always a highlight of any trip to the Big Apple.

2. Los Angeles

This sunny outpost is quite literally the entertainment capital of the world. It’s a must-do for any movie buff, with glitz and glamour as far as the eye can see. Check out Hollywood and enjoy the vibrant food and arts scene in this star-studded city.

3. Las Vegas

The sin city in the middle of the Nevada desert has been attracting Brits for decades. Dazzling casinos are complemented by world-leading hotels, offering travellers an experience like no other. Stroll down the famous Strip, catch a spectacular performance and have a flutter.