Travel insurance for the USA 

From theme parks to National Parks, the USA is a destination that can suit almost every pace of holiday. You can experience the thrill of Las Vegas, witness the majestic beauty of the Grand Canyon or take a city tour of New York and snap photos with the Statue of Liberty.

You can also take in the iconic sights of Washington DC and brush shoulders with the president, or see some of America’s history in the Deep South. You can also enjoy an adventure in Texas, where you can get a real sense of the Wild West.

With so much to see and do, it’s no wonder that road trips across America are so popular. The Pacific Coast Highway takes in the very best of San Francisco and Los Angeles, while the Overseas Highway shows you some of America’s best scenery on the way to Miami. Road trips don’t get more iconic than Route 66 though. It takes you all the way from Chicago to Los Angeles and you’re close to Santa Fe, the Grand Canyon and Las Vegas if you’d like to take a few detours.

Don’t forget about the food, too. America’s culinary history is so great that the country’s towns, cities and states have a number of delicacies named after them, such as the Philly cheesesteak, Buffalo wings, New York cheesecake, California rolls, baked Alaska and even Mississippi mud pie. No matter what you’re craving, there’s a food for you in America.  

Whatever you plan on doing in the USA, it’s important that you get travel insurance for the USA to help protect yourself against unforeseen eventualities.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details

If you need any medical attention as a tourist in America, it can be incredibly expensive.  An EHIC card doesn’t cover you in America because this is a reciprocal agreement the UK has only with other European countries.

In America, many residents have their own private medical insurance that covers them if they fall ill or get injured. For this reason, if you don’t have travel insurance for the USA, it can be very expensive for you to receive treatment, so even a minor fall or illness could end up costing you a significant sum of money if you’re not covered by USA travel insurance.  

Our Single Trip, Annual and Backpacker policies are designed to protect you when your trip of a lifetime doesn’t quite go to plan. Across our Single Trip and Annual policies, we also offer three different levels of cover: Bronze, Silver and Gold. They can protect you against: 
  • Cancelling or curtailing your trip
  • Emergency medical and associated expenses
  • Loss of passport*
  • Delayed personal possessions
  • Lost, stolen or damaged personal possessions*
  • Loss of personal money*
  • Personal accident cover
  • Missed departures
  • Delayed departures
  • Personal liability
  • Legal expenses
  • End-supplier failure**
  • *Not available with Bronze cover
  • **Only available with Gold cover
  • Terms and Conditions apply.

Plus, you can also purchase add-ons to ensure you have cover for any activities you’re taking part in. For example, if you’re cruising around Miami and Hawaii, then our Cruise cover help protect you against cruise-specific risks like cabin confinement and itinerary changes. Or, if you’re hitting the slopes in the Rockies, our Winter Sports and Ski insurance could help protect you against avalanche closures and unused ski-pack costs. Alternatively, if you’re heading to a PGA Tour course like Pebble Beach or TPC Sawgrass during your American holiday, our Golf cover could help protect you, your clubs and any green
fees you’ve paid.

Please note for Annual policies, if you’re travelling to America, you’ll need to select ‘Worldwide (including USA)’ as your area of cover.

Although America’s healthcare is some of the most sophisticated in the world, it’s also one of the world’s most expensive healthcare systems. This makes travel insurance for the USA essential because, without it, you are unlikely to receive treatment and, even if you do, it may cost you tens of thousands of pounds.

Plus, even when heading somewhere relatively safe like the USA, you’ll still encounter other risks while you travel. For example, you’ll need to be vigilant against theft, pickpocketing, burglary and other street crimes in big cities. Thankfully, if you lose your possessions or you’re the victim of a theft, your USA travel insurance could protect you.

In addition, your travel insurance can also protect you for a number of other things that could go wrong while you’re away, including lost luggage, cancellations and travel delays. 

Our Single Trip travel insurance for the USA starts from £26.09†. If you’re planning on taking more than one trip Stateside this year, then our Annual cover could cost as little as £69.00*.

Depending on how many countries you travel to, and whether you choose to buy any additional cover, costs for Backpacker insurance to the USA can vary. Get a quote online to find out how much it could cost to cover your Stateside trip.

The exact price you’ll pay for your travel insurance for the USA will vary depending on:

The price of your policy will also depend on how many people are travelling. For example, if you’re taking the family to Walt Disney World Resort in Florida, then you can place everyone on the same policy with our Family travel insurance for the USA. This is often a more cost-effective solution than buying multiple Single Trip policies for everyone. 

*Annual (Bronze) - price based on 30-year-old on a ‘Worldwide (including USA)’ policy with no pre-existing medical conditions.

† Single (Bronze) - price based on 30-year-old with no pre-existing medical conditions travelling to the USA only for up to 7 days.

All prices include Insurance Premium Tax (IPT).

If you have a pre-existing medical condition, then we may still be able to provide you with cover under our Single Trip or Backpacker policies. Our Single Trip travel insurance policies for the USA can provide you with cover for up to 180 days, while our Backpacker cover can last for up to a full year, depending on how long you’re travelling for.

It’s easy to declare your pre-existing medical conditions with our medical screening process. Simply click ‘Get a Quote’ and select your policy type. Then, provide us with some basic information about you and the trip you’re planning.

You’ll then be asked to declare your pre-existing medical conditions. All you need to do is type the first three letters of the condition into the box and then select your condition from the dropdown menu. Once you’ve declared all of your conditions, press ‘Finish’.

You can get a quote for travel insurance today to see if we’re able to cover you. You can also read our policy documents online to see the full cover and exclusions. If there is anything you don’t fully understand, please get in touch. 

America is home to some of the best winter sports resorts in the world. You can go skiing in the Rocky Mountains, snowboard in Lake Tahoe or even go sledging down the slopes of Alaska.

If you’re planning on trying any of these activities during your American holiday, then additional cover will be required. From lost ski equipment and piste closures to mountain rescues and repatriation, our Winter Sports and Ski  add-on is designed to give you peace of mind and protect you if things don’t go to plan. 

Heading to the USA as part of your backpacking adventure? If you're under 35 and travelling for a gap year or as part of a career break, our Backpacker travel insurance can provide you with the cover you need.

America's ski resorts are a haven for winter sports enthusiasts. Hit the slopes knowing you're covered with our Winter Sports and Ski insurance. 

Looking to travel more than once this year? Whether you're heading Stateside a few times or visiting multiple destinations, our Annual travel insurance could be the most cost-effective option for you.
If you're taking the whole family to Walt Disney World Resort or enjoying a beach holiday in Miami, our Family travel insurance for the USA lets you put everyone on the same policy. 

Whether you're taking a trip around California or enjoying a city break to New York at Christmas, our Single Trip travel insurance for the USA is appropriate for most travellers. 

Medical conditions shouldn't stop us from travelling. See whether we can provide cover for your American adventure on one of our Single Trip or Backpacker policies.


America is a vast and diverse country, making it the perfect place to visit in your senior years. Our travel insurance for the over 65s could provide you with the cover you need to enjoy your holiday, knowing you've protection from unexpected eventualities.