What is the best travel insurance for the USA? It’s no secret that having to pay for any medical expenses during a trip to the USA means shelling out a large sum of money. Therefore getting travel insurance for the USA is essential when preparing for your trip to this country. 

The USA of America is a country with countless possibilities for any traveller. Spectacular cities like New York, paradise beaches in Hawaii, epic routes like the famous Route 66, or natural parks like Yellowstone await you to make this trip unforgettable. Therefore, at IATI, we have created international medical policies suitable for this destination. Which will ensure that you don’t have to worry about anything other than having fun. 

In this guide, we will show you what the best travel insurance for the USA is, what coverage makes it your best option, and how you can hire it in the simplest way possible. 

Your safe trip to the “Land of Uncle Sam” starts now! 

Why get travel insurance for the USA 

There are countries where it is advisable to travel with travel insurance, others where it is highly recommended, and others, such as the USA, where it is almost mandatory. It is strongly advised for every traveller to have health/travel insurance that covers expenses for any emergency medical situation.

The USA, despite its excellent medical centers and hospitals, is known to be one of the most expensive countries in the world when it comes to healthcare. These high costs are the main cause of bankruptcy for American citizens and require them to have private insurance.

times square new york

How much can a visit to the doctor cost me?  

When visiting the US, and in the absence of a medical agreement with almost every country, the risk of bankruptcy is faced by tourists. A simple stumble while walking down a New York sidewalk that results in a sprained ankle, an ambulance ride due to an emergency, the need for something as simple as an X-ray, or even any other unforeseen event that in your country would be less important, in the USA would mean paying a bill of thousands of euros.

To give you an idea, here are some examples of the prices practiced: 

  • Ambulance transfer: between $ 400 and $ 1,200
  • Emergency care: between $ 150 and $ 3,000
  • An X-ray: between $ 150 and $ 3,000
  • Surgery for appendicitis: starting at $ 35,000
  • Ankle fracture: between $ 17,000 and $ 35,000

In addition to the high costs of healthcare, there are other reasons to get the best insurance to travel to the USA.

With insurance, you will also be covered in cases such as problems with your luggage, violent theft, delays and flight loss, or even cancellation coverage to recover the money invested in this trip if you are unable to take it.

What is the best travel insurance for the USA? 

In the next section of this article, we will show you the coverage that your international medical policy should have for this destination.

We recommend IATI Total Comfort if your country of residence is within the European Union. This is the best international insurance option for the USA, it provides coverage for a wide range of scenarios that may arise during your visit to this country. For example, you will be protected if you have problems with your luggage (lost or stolen), as well as if you are assaulted with violence or intimidation. Another example? You will also be covered in cases of delayed departure of transportation, delayed delivery of your luggage, adventure sports, or, if you wish, trip cancellation for serious reasons.

If you are travelling form outside the European Union, we recommend IATI Star. It has one of the highest medical expenses coverages on the market, €1,000,000 extendable up to €4,800,000 and the largest limits in its wide range of complementary coverages. This policy is specially designed for travel to countries with high medical costs, such as the US.

We will discuss these and other features in the next section dedicated to the coverage of IATI Total Comfort and IATI Star travel insurance for the US, where you will easily see why they are the best-selling insurances for this destination.

What characteristics should the best travel insurance for the USA have? 

Each destination requires a very specific type of coverage since a trekking trip to Everest is not the same as a weekend getaway to Paris. The international policy that fits like a glove for one destination may not meet the needs of another.

In the case of travel insurance for the USA of America, it becomes even more evident because, being one of the most expensive destinations in the world in terms of medical assistance, it requires the best coverage. Below, is all coverage you will need, all included in your IATI Total Comfort and IATI Star:

Free assistance in your language 24 hours a day  

Something essential in the best travel insurance for the USA is that it makes everything easier for you. If you need urgent help, it would be harder to have to express yourself in a different language, which you may not fully master. How do you feel? What happened to you? Where are you? In a situation where you need help, you need everything to be fluid and even if you can master the language, nervousness can make communication difficult.

Therefore, with your IATI Star, we will always assist you in your first language. We are at your disposal 24 hours a day, 7 days a week and, if you contact us by phone, we will refund the value of the international call when you send us the receipt.

Broad medical assistance coverage  

As you have seen, healthcare prices in the US are very high and a visit to the doctor often translates into a bill of thousands and thousands of euros. 

To ensure that you are covered both in a visit to the doctor or if you need more complex assistance that includes medical tests, we provide travel insurance for New York with very high medical expense coverage. 

Thus, thanks to your IATI Star and IATI Total Comfort you will have the protection of up to 10,000,000 euros (with your IATI Total Comfort) that will guarantee you coverage in any situation.

At IATI, we have more than 135 years of experience as leaders in travel insurance and none of our travellers has ever needed medical assistance that reached half of those costs.

Therefore, we can guarantee that with your travel insurance, you will have the best protection on this trip to the USA.

palm trees and cars in a street near a beach in the united states

Adventure sports in the USA  

The US is not just about big cities. National Parks and their lush nature await you to have unforgettable experiences. Diving in the idyllic coasts of Hawaii, cycling through Moab, climbing the walls of Yosemite National Park, hiking through Yellowstone, or more common activities such as surfing, kayaking, or canyoning can be part of your plans.

All these activities are considered risky and are generally not covered by international policies, but thanks to the Adventure Sports Coverage included in your IATI Star and IATI Total Comfort travel insurance for the USA, you will also be protected if you embark on any of these adventures.

Bodily injuries in motor vehicles  

Another classic plan on a trip like this is renting a car and driving hundreds of kilometers, exploring the country, whether on Route 66 or connecting points such as Los Angeles, Las Vegas, or the Grand Canyon of Colorado.

A very common question that usually comes to mind is, “What happens if I have an accident? Am I also covered?” And the answer is simple, IATI Star and IATI Total Comfort are the best insurances for travelling to the USA because they cover you in any circumstance.

So, you will also be guaranteed hospitalization if you have an accident with a motor vehicle. 

signs in route 66 in the united states

Without deductibles, you won’t have to pay anything out of your pocket 

Many insurers hide in fine print that their policies have deductibles. This means that, for example, in the case of a deductible of 100 euros, every time you need any kind of medical assistance, you will have to pay the first 100 euros, even if you already paid for the policy.

At IATI, we do not work with deductibles and always assist from the first cent of your medical assistance to the last, so you do not have to worry about money.

No advance payment for medical assistance during your trip 

Another very common case is if you need private medical insurance which, despite offering some coverage during the trip, requires you to pay the expenses and then initiate a lengthy process to recover your money. If this happens to you in the USA, it could ruin your trip if you faced a bill for thousands of euros.

With your IATI insurance, this will not happen. If you need assistance contact us, and we will direct you to the most appropriate health center. As soon as you arrive, they will be waiting for you, and we will take care of the expenses of your visit, as well as any medical tests or medication that may be prescribed for you.

If due to an emergency, you cannot contact us before receiving medical attention, it will not be a problem. You can then send us the medical reports and invoices, and we will reimburse you as soon as possible.

Loss of baggage and theft included 

On vacation, many things can happen besides health problems. For this reason, our travel insurance for the USA has also been designed to cover these types of cases. For example, you will have coverage of up to 2,500 euros, with your IATI Star, and up to 1,500 euros with your IATI Total Comfort for cases such as problems with your luggage or theft with violence.

In addition, you will also have other coverages that we will be happy to attend to, such as delayed delivery of checked baggage, or delayed departure of transportation.

Cancellation option – cancelling your trip to the USA 

Travelling to the USA is not cheap. The planning of this trip is linked to flight and accommodation bookings and activities that increase the cost of this experience. It is entirely normal for you to ask questions like: “What happens if I cannot travel due to a serious unforeseen event? Will I lose all the money invested in this dream trip?”

To answer these questions, we were the first ones to offer the Travel Cancellation Supplement. Thanks to this, we will reimburse you a certain amount of expenses that you cannot recover directly from your travel provider if you must cancel the trip for any of the reasons considered in the policy.

You can obtain this supplement, with a single click during the process of hiring your travel insurance for the USA.

beach in hawaii with surfers

Travel insurance coverage for the USA

Now that you know the coverage your travel insurance for the USA should have, you may be interested in learning more about the features offered by the most popular policies among travellers heading to this destinations. On the IATI Total Comfort and IATI Star pages, you can find detailed information about our policy and its benefits.

In the following table, as a summary, we show you some of the coverages if you are travelling from the EU:

Travel Insurance for the USA Medical Expenses Coverage  Theft and baggage damage Adventure Sports Cancellation coverage (optional) Repatriation
IATI Total Comfort €10,000,000 €1,500 100% €2,000 100%

If you are travelling from outside the EU, here is the summary of the features of the best travel insurance:

Travel Insurance for the USA Medical Expenses Coverage  Theft and baggage damage Adventure Sports Cancellation coverage (optional) Repatriation
IATI Star €1.000.000 €2,500 100% €5,000 100%

How much does travel insurance for the USA cost?  

The cost of your travel insurance for Cuba, is what will convince you of the great quality/price ratio.

As you can see, the price of a two-week trip is lower than the price of one night in a medium hotel in areas like Varadero, which means that your international insurance will be a minimal cost in your travel budget. 

In addition, this is an expense that will turn into a huge saving in case you need any type of assistance:

International health insurance Price for 1 week 2 weeks 3 weeks
IATI Total Comfort 82 € 120 € 198,69 €


International health insurance Price for 1 week 2 weeks 3 weeks
IATI Star 63,44€ 99,38 € 123,62 €

How to hire the best travel insurance for the USA  

Buying your travel insurance for Cuba through our intuitive menu is quick and easy, following the steps below.

In the menu, you should enter your travel details:

  • Your place of origin
  • The destination of the trip: in this case, the USA
  • The start and end dates of the trip
  • The number of travellers
  • Type of insurance: travel insurance

After filling out these fields and clicking on “Get a quote”, select IATI Total Comfort or IATI Star and then click on “Contract”. At this point, you can add the Travel Cancellation Option that we mentioned above, which will allow you to recover up your travel expenses if you cannot travel for any of the reasons mentioned above.

Simply fill in your personal information, make the payment, and within minutes you will receive an email with the details of your policy, including contact information for when you need assistance. It’s incredibly easy to get travel insurance for Cuba – the whole process can take as little as 3 minutes! 

Useful information for a safe trip to the USA  

Best time to travel to the USA

The USA is a huge country, and that makes it difficult to give a concrete answer to the question “What is the best time to travel to the USA?” In general, most travellers tend to avoid winter, as in many parts of the country, it is normal for the temperature to drop below zero, but on the other hand, many others make the most of this season where the snow and Christmas decorations give a magical touch to cities like New York.

July and august are the hottest months, becoming even hotter in places like Miami.

Depending on your itinerary through the country, you should pay attention to how the weather will be like during the period you plan to travel.

san francisco bride

Security in the USA

The USA is considered a relatively safe country for tourists. Nevertheless, it is always advisable to take precautions.

Health in the USA  

The USA is one of the countries with the most expensive healthcare in the world. Even US citizens are required to have private health insurance to help cover bills that often exceed thousands of euros. 

This also makes it essential for travellers to have international insurance that guarantees coverage in any circumstance. IATI Star and IATI Total Comfort are the best travel insurances for the USA. 

Get yours now and enjoy the trip you deserve with the peace of mind of having the best protection.