Travel insurance for the United States

Technically, travel insurance is not a legal entry requirement for most visitors entering the U.S. on a B1/B2 visa or under the Visa Waiver Program (ESTA). However, it is considered absolutely essential by travel experts due to the nature of the American healthcare system.

Unlike many other countries, the U.S. does not have universal healthcare, and there are no reciprocal health agreements with most nations. If you require medical attention, you will be held personally responsible for the costs. Having a policy with high medical coverage limits ensures you won't face financial ruin over an unexpected accident.

The United States is generally a safe destination for tourists, but it requires the same common sense you would use in any large country. Petty crime, such as pickpocketing or car break-ins, can occur in major cities and around popular tourist attractions. We recommend never leaving valuables in a parked rental car, even in the trunk.

Natural risks vary significantly by region and season. For instance, the Southeast may experience hurricanes from June to November, while Western states can face wildfires in late summer. Always stay informed via local news and weather alerts to ensure "peace of mind" during your journey.

Citizens from countries in the Visa Waiver Program (including most of the EU, UK, and Australia) do not need a traditional visa for stays under 90 days. Instead, they must apply for an ESTA (Electronic System for Travel Authorization) at least 72 hours before departure.

If your country is not part of this program, or if you intend to stay longer than 90 days, you will likely need to apply for a B1/B2 visitor visa at a U.S. embassy or consulate. Always check the official U.S. Department of State website for the most current regulations.

Healthcare costs in the U.S. are exceptionally high. For context, an ambulance ride can cost between $400 and $1,200, and the average cost of a single day in a hospital is roughly $2,800—not including surgeries, tests, or specialist fees. A more serious incident, such as a broken leg requiring surgery, can quickly surpass $30,000.

Driving is the best way to see the U.S., but rules vary slightly by state. Generally, you can drive with a valid license from your home country, though an International Driving Permit (IDP) is highly recommended as a translation.

Because the country is so vast, the "best" time depends on your destination. Generally, spring (April to June) and utumn (September to October) offer the most pleasant weather across the majority of the states. Summer can be extremely hot and humid in the South and East, while winter is ideal for skiing in the Rockies but can bring severe blizzards to the Northeast.

If you need to contact your insurance company from the U.S., you simply have to call the 24-hour assistance platform. Through our exclusive app for clients, you can make free calls if you have an internet connection, chat with the medical team, or process any other incidents that occur during your trip (transport delays, baggage issues, etc.) right from the palm of your hand.