Travel Insurance to the USA

No age limit and cover for pre-existing medical conditions
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Before you experience the American dream, think Travel Insurance

The USA is one of the most popular travel destinations outside of Europe; offering something for everyone, it’s no surprise British tourists choose America to spend their holiday. Whether you plan on visiting the National Parks or reliving your childhood at Walt Disney World, it’s key that you choose the right Travel Insurance that fits you and your travel requirements.

Travel Insurance is there to help cover the cost of the unforeseen -that might be illness, injury or theft of your possessions while you’re away, as well as cancelling your trip before you get off the ground. At Just Travel Cover, we specialise in Travel Insurance with no upper age limit and offer cover for hundreds of pre-existing medical conditions.

You can compare prices and cover from multiple insurers by entering your details just once, saving you time shopping around for the best policy. We can provide cover for all ages and there’s cover for hundreds of pre-existing medical conditions, something which is incredibly important when travelling to the USA due to the cost of medical treatment.

 

Everything you need to know about the United States of America

Before travelling to the USA from the UK, there are a few things you might want to consider. To ensure your journey goes smoothly we have created a list of our top travel tips when visiting America.

Entry requirements for the USA

Before travelling to America, you will need to apply for an ESTA (an Electronic System for Travel Authorisation). This automatic visa waiver programme is designed for people visiting the USA for leisure or business purposes, lasting up to 90 days. After filling in a quick online form and paying a small administration fee you’re ready to travel. Your ESTA is valid for two years and allows British travellers to visit the USA multiple times within that period. The form is often instant – however, give yourself plenty of time as it needs to be completed three days before departure.

Do I need a Covid-19 test to enter the USA?

No, as of Monday 13 June 2022 you no longer need to present a negative Covid-19 test to enter the USA from the UK. That’s great news, but don’t forget Covid-19 can still impact your holiday and tyou should check that your Travel Insurance provides cover should you become ill abroad, or need to cancel.

Advice can change quickly – you should check the FCDO and CDC websites regularly.

The price isn’t always right

When buying items in America the price of the product often doesn’t include sales tax; a similar concept to VAT which varies state by state. This means you should account for an additional 2.9 to 7.25 per cent on top of the original sale price when purchasing items. Of the 50 states in the USA, Alaska, Delaware, Montana, New Hampshire, and Oregon are the five states with no sales tax at all.

State-dependent

If your holiday involves driving along Route 66, or across state borders, it is important to understand how the laws differ depending on the state you are visiting. Some states have strict laws regarding alcohol, whilst others have strict laws about smoking and littering. It’s important to research the locality of each state before visiting to ensure your possessions do not break any laws.

Despite this, the USA is a melting pot of culture, where you can expand your circle and meet people from all walks of life.

Hitting the highway

Access to public transport differs from state to state, and in most cases hiring a car will grant you more freedom over your holiday. If you decide on hiring a car, some states will accept a full UK licence while others will ask you to have an International Driving Permit (IDP); be sure to familiarise yourself with the individual state requirements before booking your rental.

It’s important to note that travel insurance doesn’t cover driving or damage to a rental car. However, our team at Just Travel Cover are available to help you with any questions or queries you have in regards to your American Road Trip.

Vaccines

We recommend visiting your doctor 4-6 weeks before your departure to check what vaccinations or boosters are required.

How much does medical treatment cost in the USA?

Receiving treatment for an injury or illness can be extremely expensive no matter where you’re travelling, but healthcare costs in the USA are among the highest in the world. At Just Travel Cover we’ve got you covered. We specialise in Travel Insurance that covers pre-existing medical conditions, with no upper age limit. You can compare prices and cover from a range of insurers that provide single trip or annual multi-trip cover, saving you time and money.

Examples of the cost of medical treatment in the USA;

  • A one night stay on an intensive care unit £5,000+
  • A heart operation £20,000+
  • Air ambulance transfer: £60,000+

What are the entry requirements for the USA?

British passport holders will need prior authorisation to enter the United States. This will either be with a visa, Permanent Resident Card or the Visa Waiver Programme (VWP). Most passport holders can get hold of an ESTA through the VWP. Although you can only apply for an ESTA online, friends, relatives and travel agents can fill in the application on your behalf. Unauthorised companies may claim they can apply on your behalf for a small fee – to remove any fraudulent risks, only apply via the official ESTA application website.

What are the entry requirements for the USA?

British passport holders will need prior authorisation to enter the United States. This will either be with a visa, Permanent Resident Card or the Visa Waiver Programme (VWP). Most passport holders can get hold of an ESTA through the VWP. Although you can only apply for an ESTA online, friends, relatives and travel agents can fill in the application on your behalf. Unauthorised companies may claim they can apply on your behalf for a small fee – to remove any fraudulent risks, only apply via the official ESTA application website.

What Travel Insurance do I need for the USA?

Your Travel Insurance for the USA must include good medical cover, especially if you are over 65 or have pre-existing medical conditions. Treatment in the United States is incredibly expensive and we recommend not to underestimate how much treatment can cost if you are injured or fall ill while visiting. The level of cover you choose should be sufficient for covering any unfortunate events, including loss of possessions or cancellation. If you’re planning adventurous activities or going on a cruise, we can assist you in finding a policy that provides the relevant cover. Our Travel Insurance policies offer cover-up to £15 million in medical expenses (including if you contract Covid-19) cancellation/curtailment up to £12,500 per person (including if you test positive for Covid-19 before you travel*) and personal Liability up to £2 million per person.

What travel insurance do I need for the USA?

Whether you’re taking your family to the theme parks of Florida, exploring the Hawaii Volcanoes National Park, or skiing in Colorado, having a travel insurance policy that is tailored to you and your itinerary is vital. You may require specific cover if you have a particular medical condition, planning on partaking in a sport or activity or going on a cruise. Our aim at Just Travel Cover is to provide Travel Insurance for people of all ages, including those living with pre-existing medical conditions who may find it difficult to find adequate cover for their needs. When buying annual insurance on our website all policies will include cover for the USA.

We offer policies for single and annual multi-trip insurance covering you for;

  • Cancellation and curtailment
  • Missed Departure
  • Lost, stolen or damaged baggage
  • Emergency medical expenses and repatriation
  • Mobility aids
  • Lost medications and medical aids
  • 24/7 emergency medical assistance

What travel insurance do I need for the USA?

Whether you’re taking your family to the theme parks of Florida, exploring the Hawaii Volcanoes National Park, or skiing in Colorado, having a Travel Insurance policy that is tailored to you and your itinerary is vital. You may require specific cover if you have a particular medical condition, planning on partaking in a sport or activity or going on a cruise. Our aim at Just Travel Cover is to provide Travel Insurance for people of all ages, including those living with pre-existing medical conditions who may find it difficult to find adequate cover for their needs. When buying annual insurance on our website all policies will include cover for the USA.

We offer policies for single and annual multi-trip insurance covering you for;

  • Cancellation and curtailment (including if you test positive for Covid-19 before you’re due to travel
  • Emergency medical expenses and repatriation
  • Travel delay and missed departure
  • Lost, stolen or damaged baggage
  • Mobility aids
  • Money and cash 
  • Lost medications and medical aids
  • 24/7 emergency medical assistance

Cover for Pre-Existing Medical Conditions

  • Emergency medical, hospital and medical expenses up to £15m
  • Repatriation (the cost of getting you home)
  • Emergency dental care
  • Accommodation expenses
  • 24 hour medical assistance line

 

We’ll compare prices from a number of different providers for your USA adventure. 

Click here to download the Policy Wording and Insurance Product Information document for all insurers. In the event you are unable to find a suitable product from our panel of multiple providers, you can find contact details of some additional Insurers who specialise in travel insurance for people with serious medical conditions here, or call 0370 950 1790 for more information.

Specialist USA Travel Insurance with no upper age limit

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