Travel insurance to USA [duplicate]
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I am planning to travel to USA for a short stay, around 2 months. I think it will be better to buy a little travel insurance in case I feel sick or anything. However, I have no idea about where to buy it. Do you have any piece of advice for my case about how to get an insurance?
Best Answer
Travel health insurance is not just "better", it is absolutely vital, especially when travelling to the USA with its notoriously expensive medical system. Seriously: if you don't get insurance and any health crisis happens, it could very easily leave you in debt that takes years to get out of. A broken leg that requires surgery will cost up to 35,000 dollars!
Fortunately, travel health insurance is relatively cheap and easy to get. Just ask your regular health insurance provider at home, they probably have an offer. Travel agents also often have such offers (they get a commission from the insurer).
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Can you claim twice on travel insurance?
It's not illegal to be dual insured, but it can make claiming more complicated. For example, if you needed medical care abroad and had two travel insurance policies that could payout for the claim, you won't get double the money. Instead, the insurers would decide how they will split the bill.Do you need travel insurance to travel to USA?
Do I need travel insurance for the USA? You're not required to have travel insurance for your trip to the USA, but as flights, accommodation and healthcare, in particular, are so expensive, it'll cover you if the trip takes an unexpected turn.Do you need a paper copy of travel insurance?
No, it's not essential to take copies of your travel insurance documents with you. It's a good idea though to jot down your policy number and, more importantly, have our 24 hour assistance telephone number with you, so you can contact us if you need our help while you're away.Does my UK insurance cover me in USA?
UK tourists are not eligible for PPACA compliant domestic health insurance plans. It is essential to get short term medical insurance for UK visitors to the USA. Fortunately, UK visitors insurance is suitable medical coverage for them.Travel Insurance Tips: 7 Things to Know Before You Buy
More answers regarding travel insurance to USA [duplicate]
Answer 2
I live in the U.S., and my employer provides excellent health insurance for me (which follows me around the world), so I have never had a reason to buy traveler's health insurance in the U.S. or anywhere. So I cannot recommend any specific company or policy (and it would be off-topic to do so even if I could), but google found a few options for you:
HTH Travel Insurance has a few options.
I'm sure Google can find many more options, if one of these doesn't suit your needs.
Whether you can buy these policies may also depend on where you live. And there may be additional options available to you locally through a travel agent or local insurance company. But since I don't know where you live, I can't really address that.
Answer 3
If you are going to the USA for tourism, then the cheapest option will probably be a travel insurance, that covers medical costs as well. These things work differently in different countries, but here in the UK there are lots of options (you can use Google, etc.). Remember to make sure that
- Your insurance covers the USA, often this is an optional extra on the policy
- That your insurance covers the whole period when you are abroad (2 months is regarded as a rather long tourist trip by most insurance companies)
- The excess, maximum level of cover, existing conditions, etc. - these are all the things you should check in the small print as well.
If you are traveling for work purposes, then I think your employer should sort your insurance (I am not an expert here though) - so ask them first.
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