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Travel Insurance for the USA

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High medical costs make travel insurance essential if you're visiting the USA - but which to choose?

Travel Insurance for the USA
Photo by Matteo Catanese / Unsplash

The USA is one of the most popular destinations for UK holidaymakers. There’s a huge range of options for tourists, from quick trips to New York to surfing in California, and it helps that Americans speak the same language.

However, travel insurance costs much more than to other countries, partly because the price of medical treatment is so high in the USA. For example, it costs in the region of £100,000 to be treated for an infection in a Californian hospital with return flights.

That means for single and annual multi-trips you usually have to choose worldwide cover including the USA and Canada, rather than choosing them as separate countries.

Prices can vary massively between providers for this option so we’ve listed our top UK travel insurance providers to cover you for a trip to the States. This list is based on the price of the premium and quality of cover for each policy.

The quotes we got were for a 35-year-old travelling to the USA for two weeks. All the policies in our top 10 have at least £10m of medical cover, at least £3,000 for cancellation or curtailment, at least £1,500 for luggage, at least £200 for the single item limit, an excess of no more than £80.

Top 8 Travel Insurance for the USA 2023

  1. Columbus Direct Travel Insurance - Gold
  2. LV= Travel Insurance
  3. Aviva
  4. Coverwise - Gold
  5. AA – Single Trip
  6. Cover For You - Gold
  7. Virgin Money Travel Gold
  8. InsuraTrip - Premier

LeisureGuard Lite’s Premier policy has recently dropped out of our list of the best travel insurance policies for the USA because it has an excess of £85, however, it is one of the cheaper policies (£31.54) and might be worth considering. Prices range from £29.06 to £74.38 LV= .(Quotes were obtained in January 2023.)

If you’re over 50 or 65 it’s worth looking at Saga or Staysure for the best deals on travel insurance and because they may have more competitive prices for those age ranges.

All the policies in the list were rated 3, 4 or 5 out of 5 by an independent financial researcher, Defacto.