Why take out a USA travel insurance policy?

Crossing the pond for a holiday in the USA? Whether you’re planning on seeing the sights in New York City, trying your luck in Las Vegas or exploring the Everglades in Florida, finding a comprehensive travel insurance policy should be top of your to-do list.

Many insurers now offer some level of Covid-19 cover, but this can vary quite a lot between providers. Examples of what may be covered include:

Emergency medical expenses: Including repatriation (getting you home), and additional expenses (for example, a quarantine hotel stay) if you fall ill with Covid-19.
Cancellation: If you test positive (or a close relative passes away due to Covid-19) prior to your holiday and are unable to travel.
Curtailment: If you test positive for Covid-19 pre-departure, upon arrival at your destination, or while on holiday. Additionally, look for a policy that offers curtailment cover in the event a close relative passes away from Covid-19 during your holiday.

America is just like every other country when it comes to travel insurance: most trips are trouble-free, but sometimes things do go wrong. If they do, having a little bit of help can go a long way – not to mention save you a pretty penny.

Healthcare, for example, is notoriously expensive in America, and even basic medical care can end up costing hundreds. If something serious happens and you need to be transported home as a result of an accident, well, let’s just say it won’t be cheap.

Based on this, you should really consider a holiday insurance policy with medical cover of at least £2 million.

Besides medical cover, there are other things cheap travel insurance can help you deal with.

Lost baggage, cancellation and even lost or stolen possessions can also be covered by your insurance. Personal money and gadget cover can also be added on to some holiday insurance policies.

Some of these may have to be added on to the cover, so always check the small print before you buy a policy.

There are many different types of holiday insurance policy you can take out before a trip to United States. Which one you choose depends on your circumstances.

For a one-off holiday, single-trip cover could be the best option. However, if you plan to take a number of holidays this year, then an annual multi-trip might work out to be a better deal financially – annual multi-trip can be worldwide, covering you for holidays outside the US.

Family insurance is also an option if you know you will be travelling as a group – it also saves you from having to sort out an individual policy for each member of your family.

Travel insurance can often be a bit of an afterthought when it comes to holiday purchases. When you finally remember you need it, it’s tempting to go for the cheapest option available.

While it’s important to compare travel insurance policies in order to get the best deal, the cheapest isn’t always the best option for you.

Things such as the level of excess you’ll need to pay before the policy pays out, whether a single-trip policy is better than an annual multi-trip policy and the level of medical care you might need are all factors you need to consider.

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