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Travel Insurance for the USA

A hospital bed in the United States can cost upwards of $750 per night but you can easily avoid that with affordable travel insurance.

Starr TraveLead Travel Insurance

Starr TraveLead Travel Insurance logo
  • 35% off for all destinations (Code: FINDER35)
  • Flexible and affordable coverage
  • COVID-19 related trip cancellation/curtailment
  • Up to $100,000 for overseas COVID-19 related medical expenses
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From medical emergencies to travel delays, travel insurance for the USA offers crucial financial protection against an extensive range of travel risks. Find out how to find the right policy for your trip with this guide.

Do I need travel insurance for the USA?

Definitely. You want to be prepared when the unexpected strikes. The USA is known to have expensive medical care, transport delays and sometimes even theft happens. Don’t let this put you off going there, just make sure you travel smart and get your travel insurance sorted.

Compare USA travel insurance

1 - 11 of 20
Name Product Medical Cover Cancellation Cover Baggage Delay With COVID-19 Coverage? Offer
DISCOUNT 35%
Starr TraveLead Travel Insurance - Single Trip
Up to $1,000,000
Up to $15,000
Up to $1,200
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FINDER35).
Promo TAKE60
Tiq Travel Insurance
Up to $1,000,000
Up to $10,000
Up to $200
Optional
Get 40% off single trips and 60% off COVID-19 add-on annual plans using promo code TAKE60 till 31 Oct, including cruises to nowhere. Enjoy benefits such as coverage for trip cancellations or postponements, emergency evacuation while onboard and post-trip medical expenses.
Optional COVID-19 coverage.
DISCOUNT 25%
FWD Premium Travel Insurance
Up to $200,000
Up to $18,750
$150
Optional
Get 25% discount using promo code FINTRIP25 when you purchase either Single or Annual Travel Insurance plan. T&Cs apply. Ends 31 Oct 2022.
Plus, weekly lucky draws for new plans from now till 23rd October! Stand a chance to win gadgets, vouchers and even a grand prize of $6000. T&Cs apply.
Allianz Single Trip Travel Insurance
Up to $1,000,000
Up to $15,000
Up to $1,400
Yes
12% off all travel insurance till 31st Oct using promo code: Travel12. Enjoy comprehensive cruise coverage with Allianz Travel Platinum plans. Includes COVID-19 cover. Opt for annual plans to get unlimited coverage in a year.
Income Standard Plan Travel Insurance
Up to $3,000,000
Up to $45,000
Up to $4,000
Yes
A travel insurance plan with a standard array of benefits, ranging from medical and personal accident to trip inconvenience benefits such as trip cancellation, flight delays and baggage loss.
MSIG TravelEasy Standard
Up to $800,000
Up to $12,500
Up to $1,200
Yes
Enjoy 40% off single trip plans and 20% off annual trip plans. T&Cs apply. Valid until 31 Oct 2022.
Includes COVID-19 coverage to all Single Trip and Annual plans with no additional premium. T&Cs apply.
DirectAsia Single Trip Plan
Up to $1,250,000
Up to $37,500
Up to $2,500
Optional
Get 40% discount when you purchase either Single or Annual Travel Insurance plan. T&Cs apply.
Budget Direct Insurance Basic Cover
Up to $50,000
N/A
Up to $400
No
DISCOUNT 25%
FWD First Travel Insurance
Up to $1,000,000
Up to $37,500
Up to $900
Optional
Get 25% discount using promo code FINTRIP25 when you purchase either Single or Annual Travel Insurance plan. T&Cs apply. Ends 31 Oct 2022.
Plus, weekly lucky draws for new plans from now till 23rd October! Stand a chance to win gadgets, vouchers and even a grand prize of $6000. T&Cs apply.
DISCOUNT 35%
Starr TraveLead Travel Insurance - Annual
Up to $1,000,000
Up to $15,000
Up to $1,200
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FINDER35).
Allianz Annual Multi-Trip Travel Insurance
Up to $1,000,000
Up to $15,000
Up to $1,400
Yes
12% off all travel insurance till 31st Oct using promo code: Travel12. Enjoy comprehensive cruise coverage with Allianz Travel Platinum plans. Includes COVID-19 cover. Opt for annual plans to get unlimited coverage in a year.
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Worried about COVID-19?

You’re not the only one. Travel insurance companies are now offering some cover for coronavirus. So you can travel with more peace of mind.

Get travel insurance for COVID-19

How much does travel insurance for the US cost?

Policy costs depend on a couple of factors including age, length of travel and any risky activities you might be planning, for example, skiing, skydiving or going on a cruise.

Medical expenses in the United States are amongst the highest in the world, so it’s almost a no-brainer to get medical cover at the very least.

What does travel insurance cover in the USA?

Now that we’ve got your attention, let’s talk about what’s generally covered with travel insurance and what’s not.

  • Medical bills. Even a short trip to the doctor can be costly with a visit to a GP costing between $150 and $200. Having a travel insurance policy can protect you against a range of medical costs including the following:
  • Ambulance transportation
  • Repatriation
  • Medical evacuation
  • Medical and hospital costs
  • Emergency dental expenses
  • Hospital cash allowance. This is not the same as overseas medical expenses protection. It provides you with a daily allowance to pay for things like phone calls home and hospital food.
  • Personal liability. Your insurance covers your legal liability in situations where you are liable for bodily injury or property damage to a third party. Some basic policies end their level of cover here.
  • Lost cancellation fees and lost deposits. If unforeseen circumstances, such as losing your job or a death in the family, force you to cut your trip short or cancel it altogether, this cover can help you recover cancellation fees or prepaid deposits which you otherwise wouldn’t be able to recover. Most travel insurance for USA policies have this feature.
  • Luggage delays. If an airline or tour company misplaces your luggage for an extended period of time, you’ll receive the funds you need to buy emergency clothing and toiletries.
  • Luggage and personal effects if lost or stolen. If your luggage and personal belongings are lost, stolen or damaged, you’ll be reimbursed for the cost of their repair or replacement.
  • Delays. If your journey is disrupted due to circumstances beyond your control, you’ll receive a benefit payment to cover the costs of additional meals and accommodation expenses.
  • Accidental death benefit. Your loved ones will receive a benefit if you die as a result of an injury sustained during your journey.
  • Stolen credit cards. If your credit cards are lost or stolen on your holiday, you’ll be covered for the cost of their replacement and for any loss you suffer due to their fraudulent use.
  • Lost travel documents. If your passport or other important travel documents are lost or stolen, you’ll be covered for the cost of their replacement.
  • Alternative transport expenses. If unforeseen circumstances delay your trip and you’re unable to arrive at a pre-arranged event (for example, a wedding) on time, you’ll be covered for the cost of alternative transport expenses.
  • Rental vehicle excess. If your rental car is involved in an accident, stolen or damaged, your policy covers the cost of the rental company’s insurance excess.

Do I need travel insurance when going to the United States?

The United States is a popular holiday destination for Singaporeans, but it can also be an expensive one – especially if something goes wrong.

Travel insurance can protect you from a range of costs including lost luggage, cancellations and medical expenses. And when you consider that it costs potentially more than $750+ for one night in a US hospital, it’s much better to have travel insurance to cover any unexpected costs.

What type of cover and extras do I need?

Generally, travel insurance policies for the USA are either single or annual.

Travel luggage

Single trip insurance

This covers one trip and one trip only, generally up to a maximum of 180 days.

Travel

Annual travel insurance

If you head to the US or overseas regularly, annual travel insurance policies can cover your year’s worth of travel. To make this policy worth it, you need to make roughly 3.5 overseas trips a year. While it’s a money-saver for frequent travellers, the downside is that individual trips are capped at 30 and 90 days.

With all these options, you can get cover for singles, couples, families and groups.

Types of policies are then further broken down into basic, standard or comprehensive policies. These are on a tiered system in terms of cover and cost, with basic policies generally only covering medical expenses and being the cheapest options and comprehensive policies including lost luggage, personal effects and cancellation for a premium.

Who can you contact in an emergency?

If you find yourself in an emergency situation in the USA, some helpful contacts include the following:

  • National emergency hotline. You can reach this service by dialling 911.
  • Your travel insurer. Your travel insurance brand will have a 24/7 helpline for claims and medical emergencies.
  • Singapore Embassies and Consulates. You can find the contact details of Singapore Embassies and Consulates in the USA below.

Got yourself covered? Time to have some fun.

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