Best Travel Insurance for the United States 2025: 5% Discount!

Planning a getaway or vacation to the USA? We tell you how to choose the best travel insurance for the United States in 2025 with tips and price.

Who has never dreamed of visiting New York, Los Angeles, Las Vegas, the beaches of Miami or even the mythical route 66? United States mixes the modernity of its cities with turquoise water beaches and incredible landscapes such as the Grand Canyon of Colorado.

In addition, it is a mecca for the film industry worldwide represented by Hollywood and for children it has the imposing Disney Park in Orlando. In short, it lacks nothing to provide total fun and entertainment for adults and youngsters.

Below we tell you why travel insurance for the United States is necessary, and we analyze the different insurance companies so you can find out which one to take out.

🔝If you want to know how travel insurance works and why it is necessary, you can read our article on tips on how to choose the best travel insurance.

⭐ Table of Content ⭐

Is medical insurance required to travel to the United States?

Yes, it is necessary. That is, it is NOT mandatory to take out travel insurance for the United States (yes, if you want to get a student visa) but we would say that it is advisable to have one.

In the United States, health care is totally private, that is, there is no free, universal, public health care, not even for U.S. citizens themselves.

Any medical expenses you may incur while traveling in the U.S., whether it be for a minor consultation or fracture, or something more complex such as an operation or repatriation, you will have to pay for it yourself and the hospital where you are treated will issue the bill in your name for the expenses incurred.

The important thing to know is that any medical expense in the United States is very expensive. For example, a simple consultation with a doctor costs an average of US$ 200, an emergency room visit requires at least US$ 500 and an ambulance transfer can cost over US$ 1,000.

If we talk about more complex cases, a fracture can cost US$ 25,000 and any simple operation can cost around US$ 60,000. And if you add to this the days spent in the hospital, which can be at least US$ 6,000 per day, you know why it is necessary to purchase a good travel insurance for the United States with a good coverage.

Empire States Building - travel insurance for the united states

Tips on how to choose the best travel insurance for the United States

For all of the above reasons and to avoid having to go into debt to pay for an unforeseen event in the United States, it is advisable to take out a good travel insurance policy.

To that end, I have these recommendations before you taking it out:

Travel insurance sums insured: the sums insured for medical expenses should be high due to the cost of hospital or clinic care. We recommend a minimum of € 500,000 so that you can travel with peace of mind and be covered for any unforeseen event, including an operation.
No excess: many travel insurances are cheaper because they include an excess, i.e. the amount you have to pay regardless of the medical expenses incurred. For example, if the travel insurance covers € 500,000 but has an excess of € 300, and you have a medical expense of € 500, the insurance will only cover you for € 200 and the other € 300 you will have to pay out of pocket.
Repatriation coverage: in general, all travel insurances cover repatriation, but it is important to be aware of this.

📷 Book here the excursions in the United States with English speaking guide. There is something for everyone!

How much does a travel insurance for the United States cost?

While you may think that health insurance for travel to the United States is expensive, prices are low for the insured amounts covered and in comparison to the expenses you have to face if you have any unforeseen event, you do not have insurance and you must pay out of your pocket.

Details: 1 person – 3 weeks only – travelling to the US.

Heymondo	Heymondo	SafetyWing
UK and other EU countries	Canada Residents and Other Countries	Most countries
Heymondo Top Coverage 5.000.000 € 95,80 € (disc: 91,01 €)	Heymondo Top Coverage 5.000.000 US$ 112,09 US$ (disc: 106,48 US$)	Nomad Insurance ⁽²⁾ Coverage 250.000 US$ 10-39 years: 78,33 US$ 40-49 years: 128,94 US$
Heymondo Premium Coverage 10.000.000 € 110,83 € (disc: 105,28 €)	Heymondo Premium Coverage 10.000.000 US$ 129,67 US$ (disc: 123,18 US$)	–
Heymondo Medical ⁽¹⁾ Coverage 10.000.000 € 87,58 € (disc: 83,20 €)	Heymondo Medical ⁽¹⁾ Coverage 10.000.000 US$ 102,47 US$ (disc: 97,34 US$)	–
Get Heymondo	Get Heymondo	Get SafetyWing

⁽¹⁾ Heymondo Medical plan is a low cost plan that only includes medical assistance and repatriation. No other extras.
⁽²⁾ Amount prorated over 3 weeks

As you can see, this is not such a large expense in the travel budget.