Choosing the right policy for your trip
To travel to the USA, you need a worldwide policy including Canada, the USA and Mexico. These policies tend to be more expensive than other types of travel insurance because they’re designed to cover higher medical expenses.
Single-trip travel insurance
Annual travel insurance
Backpacker travel insurance
Business travel insurance
What our travel insurance expert says
"It’s important to consider buying travel insurance for the USA. Along with healthcare costs, you want peace of mind that your holiday is covered for unforeseen circumstances such as flight cancellations and unexpected accommodation changes. This is especially important considering how much more expensive these can be compared to a trip closer to home.
"There’s also the risk of loss, theft or damage of your personal belongings and travel documents to consider."
What does travel insurance for the USA cover?
Money: The currency is the US dollar. Debit and credit cards are widely accepted. But it’s best to take a combination of cards and cash. Remember to contact your bank before you travel to avoid any restrictions or blocks on payments while you’re in the USA.
Safety: The FCDO warns that there’s a high risk of terrorism in the USA and suggests being vigilant in crowded places, such as transport or public events. They also recommend
reading the US Department of Homeland Security’s advice on what to do in an active shooter incident.
British embassy: The British embassy is in Washington D.C. There are also consular services available in major cities such as: Atlanta, Boston, Chicago, Houston, Los Angeles, Miami, New York and San Francisco.
Climate: The climate in the USA varies greatly depending on where you’re travelling to. It can range from tropical weather in states like Hawaii and Florida, to arctic conditions in Alaska. There’s a high risk of extreme weather, including extreme heat, snowstorms, and hurricanes. There’s also a risk of earthquakes, tornadoes, and wildfires.
Driving in the USA: You need a full UK driving licence, as well as a 1949 International Driving Permit (IDP) to drive in the USA. Requirements may vary between states. You need to apply for an IDP before you travel outside of the UK. Check road conditions before driving and keep plenty of food and water in your car as some areas are very remote.
Time difference: There are 4 time zones in mainland USA: Eastern Standard Time (EST), Central Standard Time (CST), Mountain Standard Time (MST) and Pacific Standard Time (PST). There’s also the Alaska Time Zone and Hawaii-Aleutian Time Zone outside of the mainland.
Other information: The national legal age for buying alcohol is 21 in the USA. You should always carry a form of personal ID proving you have permission to enter or remain in the USA.
What are the different types of travel insurance?
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