USA Travel Insurance
Essential coverage for American adventures. Protect yourself against the world's highest healthcare costs with comprehensive travel insurance.
USA travel insurance — get a quoteWhy USA Travel Insurance is Essential
The United States has no public healthcare. Medical treatment must be paid for—and costs are among the highest in the world.
No Universal Healthcare
The US has no public healthcare—all medical care must be paid for
Extremely High Costs
A broken leg can cost $20,000+, heart attack $150,000+
Ambulance Fees
Emergency transport can cost $1,000-$3,000 per trip
No EHIC/GHIC
European health cards are not valid in the USA
American Healthcare Costs
These are typical ranges for medical treatment in the USA. Costs vary by state and facility.
⚠️ Without insurance, you pay these costs out of pocket.
ER Visit (minor)
$500 - $3,000
Broken Bone
$2,500 - $25,000
MRI Scan
$1,000 - $3,500
Appendectomy
$15,000 - $180,000
One Night Hospital Stay
$2,000 - $10,000
Air Ambulance
$25,000 - $100,000+
Protect Your Journey
The USA has some of the highest healthcare costs in the world. Travel insurance is essential protection.
USA travel insurance — get a quoteWe receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
Popular USA Destinations
New York City
Manhattan, Statue of Liberty, Broadway
California
Los Angeles, San Francisco, National Parks
Florida
Orlando, Miami, Theme Parks
Las Vegas
Casinos, Shows, Grand Canyon trips
Hawaii
Beaches, Volcanoes, Island hopping
National Parks
Yellowstone, Grand Canyon, Yosemite
Frequently Asked Questions
Why is travel insurance so important for USA trips?
The USA has some of the highest healthcare costs in the world with no universal healthcare. A simple emergency room visit can cost thousands of dollars. Without insurance, you would be personally liable for the full amount.
How much medical coverage do I need for the USA?
We recommend at least $1 million (approximately £750,000) in medical coverage for USA trips. Given the high costs of American healthcare, especially for serious emergencies requiring hospitalization, this provides essential protection.
Does my UK/EU health coverage work in America?
No. EHIC, GHIC, and NHS coverage do not extend to the United States. The USA has no reciprocal healthcare agreements with most countries. You need separate travel insurance.
What if I have a pre-existing medical condition?
Declare all pre-existing conditions when purchasing insurance. Many policies offer coverage for stable conditions, though premiums may be higher. Without disclosure, claims related to pre-existing conditions may be denied.
Are adventure activities covered in the USA?
Standard policies may not cover certain activities. If you are planning skiing in Colorado, hiking in national parks, or water sports in Hawaii, check that your policy includes these activities or add appropriate cover.
Do I need insurance for a cruise departing from the USA?
Yes, cruise insurance is highly recommended. Medical facilities on ships are limited and expensive, and you may need evacuation to shore. Many cruise lines strongly recommend or require passengers to have insurance.
What happens if I cannot afford medical bills in the US?
Without insurance, you could face debt collection, affect your credit history, or be refused entry on future visits. In extreme cases, hospitals may pursue legal action. Insurance protects against these financial risks.
Does travel insurance cover COVID-19 in the USA?
Most policies now include COVID-19 medical treatment as standard. Check for: emergency medical coverage, trip cancellation if you test positive, and any quarantine hotel costs.
Related Insurance Options
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Protect your trip
The USA has some of the highest healthcare costs in the world. Travel insurance is essential protection.
- Medical emergency coverage
- Trip cancellation protection
- Lost luggage assistance
We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
Our team understands the complexities of American healthcare and helps travellers find appropriate coverage for US trips.