Travel Insurance USA

The United States of America is one of the most popular destinations for British travellers. And it’s no surprise that our Travel Insurance for USA trips is also a favourite here at Staysure.

You might be after the awesome sights and buzz of New York, the beauty of San Francisco or the glitter of Los Angeles. Maybe you’ve set your heart on a trip to Las Vegas or Disneyworld Florida. But if bright lights aren’t your scene, there are always the charming towns of New England, the refreshing scenery of the Pacific North West, or the wide-eye wonder of the Grand Canyon or Niagara Falls.

There’s so much to choose from, and so many kinds of America, that one trip is usually never enough. But wherever you’re planning to visit in America, having adequate Holiday Insurance in the USA is essential.

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Be USA-sure with Staysure

You want your holiday in America to be memorable only for the right reasons.  It’s not just a matter of covering your personal belongings. If you don’t have proper cover you could face horrifying large costs in the event of a medical emergency.

Whether it’s for a single trip or annual multi-trip, we can provide you with a tailored policy that’s appropriate for your needs.  With Staysure you can have peace of mind about your property and yourself during what’s sure to be one of the holidays of a lifetime.

There’s no upper age limit on single trips with our United States Travel Insurance, and cover is available for up to 104 days travel. And if you have a pre-existing medical condition, you’ll be glad to know that we’ll consider you for insurance. In fact we offer cover to 98% of those who enquire.

USA Family and Group Travel Insurance

You might not know it, but if you are travelling with someone who has a pre-existing medical condition, in order to be covered for cancellation or curtailment due to that pre-existing medical condition you will both need to be on the same medical insurance policy. So you might also like to know that we can offer travel insurance for the whole family or groups, for couples and single parent families, with discounts available.

If you’re planning on taking a trip across the pond, why not get a fast and straightforward quote online, or call our friendly team of travel insurance specialists on 0800 033 4902.

Benefits of using our USA travel insurance

  • Cancellation and curtailment cover limit of up to £5,000 with an option to increase
  • Cover up to 18 months duration, depending on age
  • No upper age limits on single trips
  • Many different sports and activities covered
  • Discounts for families and couples

Medical Travel Insurance for USA

It’s well known that private medical care in the United States can be very expensive, and if you are not a US citizen you will not be eligible for free healthcare. Even ER (our A&E) is charged for.

So if you have a medical emergency in the US, you could be facing a very large bill indeed. If you are a non-US resident, some hospitals may ask you to pay a deposit or ‘good faith’ payment when you are admitted.

That’s why it’s vital that as a traveller to the US you are properly covered for all those medical eventualities. That means taking out the right medical travel insurance.

It also means taking sensible precautions about your health itself.

The National Travel Health Network and Centre in the UK recommends on its Travel Health Pro website that you arrange an appointment with your health professional at least four to six weeks before travel to discuss any health risks.

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Risks you should discuss with your GP before you travel:

  • Destination
  • Medical history
  • Planned activities

If you have pre-existing medical conditions, it’s recommended that you seek an appointment even earlier.

Remember, the nature and level of health risk may vary depending on where you want to visit

For instance, the Travel Health Pro website alerts travellers to outbreaks of dengue, a viral infection transmitted by mosquitoes.  Dengue causes a flu-like illness, which can sometimes develop into a more serious life-threatening form of the disease.

If you are travelling in the states of Florida (specifically Key West in Monroe County) and Texas (along the border with Mexico in Cameron County), there is a risk of dengue. And there have been sporadic outbreaks of locally acquired dengue in Hawaii.

Unfortunately there is no vaccine or preventative measures, other than avoiding mosquito bites. If this might be relevant to your holiday plans, it might be worth taking a look at our article for tips on avoiding mosquito bites.

For your USA travel insurance, why not get a quote online in just minutes. Or if you’d prefer to speak to someone directly, our award-winning team of travel insurance specialists are on-hand to help you. Please call us on 0800 033 4902.

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How to make a claim with our Travel Insurance for USA

Approximately 3.8 million of us visit the USA every year.  And most of these trips are trouble-free. But if you’re a Staysure policy holder and you do need to make a claim, you’ll find it straightforward if you’ve done the following:

  • Keep your documents safe: Make sure all your policy documents are stored in a safe place, and when travelling make sure you’ve got them packed with you at all times. These documents contain your policy number, the claims hotline and 24-hour emergency number assistance phone numbers.
  • Check you are insured: Check limits depending on your chosen policy. Check your Validation Certificate and policy wording. Be aware of exclusions.
  • Don’t forget your excess: Some of the cover requires you to pay an amount towards your claim. Check your policy to see if you are liable for any cost.
  • Collect evidence: The more information you can provide to support your cost, the better. Collect all relevant documents, including Police reports (if applicable). Detailing any damage, taking photographs where appropriate, will often help simplify your claim.
  • Damaged items: Damage to personal items in transit must be reported to the carrier before you leave the baggage hall, and a Property Irregularity Report (PIR) must be obtained from the relevant airline.
  • Lost or stolen items: Report the loss or theft of personal luggage to the local Police within 24 hours. Also report to your hotel, accommodation provider or tour operator, so they can produce written documentation to confirm the loss or theft. Without this your claim may not be paid.
  • Keep your receipts: For any claim, after any incident, you will need to submit receipts for costs incurred. This can include accommodation, transport, Medical Certificates and other expenses.
  • Get in touch quickly: Start your claim as soon as possible as the information will be fresh in your mind. Your policy may have a time limit for making the claim.

Doing things the American Way

The USA is one of the favourite countries to visit for British people.  In fact five of the USA’s cities are among the ten most popular destinations for UK travellers.

Part of the attraction is that while we’re separated by an ocean, we have a lot in common in terms of language and customs. Much about the USA already feels familiar through music, television and popular culture.

It’s worth remembering, though, that the American way is not always the same as ours. (Don’t even think about jaywalking there, for instance.) US Immigration is very strict, so to ensure that your trip goes as smoothly as possible, it’s best not to leave things to chance, especially concerning conditions of travel and entry.

Passports and Visas

Passports should be valid for the duration of the holiday. Most British Citizens can enter the USA via the Visa Waiver Programme (VWP) which allows British passport holders to visit for up to 90 days. Your passport will need to have an integrated chip (an ePassport) in order to enter under the VWP, and you will need to apply online for an Electronic System for Travel Authorisation (ETSA) at least 72 hours before travel.

If you plan to travel to the US using a non-chipped passport or Emergency Travel Documents you must apply for a visa from the nearest US Embassy or Consulate before you travel.

Further information on entry requirements can be found here.

Driving in the USA

Traffic laws in the USA, including speed and drink driving limits, vary state by state. Details can be found on each state’s Department of Motor Vehicles website.

Weather conditions

If you are planning on driving in the USA, the FCO website recommends checking weather conditions beforehand. Weather conditions can vary significantly from heavy snowfall in isolated mountainous areas to deserts where extra water is required. Even a few hours journey can take you from one distinct landscape type to a very different one.

FCO travel advice

The USA is a very large place, and while it’s mostly safe it is subject to natural disasters including tornadoes, wildfires and earthquakes. However, it is the hurricane season which normally runs from June to November and affects coastal regions that travellers need to be most wary of. You can check the FCO website for advice and updates.


  • Exchanging currency is straightforward – dollars are available from most currency exchange providers. Purchasing dollars well in advance of travel dates is recommended as exchange rates in airports and train stations are poor.
  • Credit and debit cards are widely accepted throughout the USA but bear in mind you will need to pay foreign currency charges (typically between 2.75% and 2.99%) and withdrawal fees.
  • Banks are usually open from 8.30am-4pm, Monday-Friday and 8.30am-midday on Saturdays.

Travel Insurance for USA FAQ

  • Can I take my medication into the USA?

There are restrictions on bringing some prescription drugs into the USA. The US Department for Homeland Security website offers further information for people who need to take medication with them on holiday. It’s a good idea to check in advance.

  • Do I need vaccinations to visit the USA?

The Travel Health Pro website states that travellers should be up to date with routine UK vaccination courses and boosters – for example measles-mumps-rubella (MMR) vaccine and the diphtheria-tetanus-polio vaccine. It is also recommended that most travellers get vaccinated for tetanus.

Travel Insurance for USA – Get a Quote

If you would like further information on holiday insurance for the USA, please call our specialists on 0800 033 4902.  Or you can get a quote online in just minutes.

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*98% is based on claims made between January and December 2017. Payment within 5 working days depends on the insurer receiving all relevant information and documentation.