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Delve into the USA with a worldwide travel insurance policy from Holiday Extras for as little as £32.55*

Make sure you're covered with travel insurance for USA

From the iconic cities to the diverse landscapes, the USA needs no introduction. However if you're planning a trip to the land of opportunity it's crucial to have the right travel insurance policy so that you can make the most of your visit. Our policies offer comprehensive medical cover for any unforeseen illness and we also provide cover for cancellation and lost baggage. Holiday insurance for America helps you to enjoy your trip, without any nagging concerns.

When taking out travel insurance to the USA with Holiday Extras, remember to select worldwide cover cover option 'including cover to the USA, Canada and the Caribbean for valid cover to the USA.

Types of cover

Our travel insurance for USA single trip policy provides cover for one trip of up to 365 days. We have three levels of cover to choose from, so you don't have to pay extra for cover you don't need. You can take out cheaper travel insurance for America without compromising on great cover. For more information on our cheap single trip travel insurance policies, visit our single trip travel insurance page.

If you are a more frequent traveller you may benefit from purchasing comprehensive cheap annual travel insurance cover for your USA trip and enjoy an unlimited number of trips across 12 months given that each trip does not exceed 23 days or 17 days on a Basic cover policy. For more information on our reliable, cheap annual holiday insurance for travelling throughout Europe then visit our annual travel insurance page.


With Holiday Extras you can get reliable USA holiday insurance or cheap worldwide travel insurance cover. Simply apply for a policy online today, or call our UK-based contact centre to discuss your options with our friendly insurance team on 0800 093 1900 and quote WY992.

If you're a frequent traveller our annual policy is perfect. You'll benefit from the same level of cover offered by the Premium option, and parties on annual policies are not required to travel together. Children up to age 18 go free on all policies when traveling with an adult, and we offer £75 excess on most covers, and £100 excess on medical.

*Prices based on 1 person aged 25 with no pre-existing medical conditions, travelling Worldwide inc. USA/Canada/Caribbean, with a Basic cover single trip policy, from 19/11/18 until 27/11/18. The cover levels change depending on your package. Prices correct as of November 2018.

**Prices based on 1 person aged 25 with no pre-existing medical conditions, travelling Worldwide inc. USA/Canada/Caribbean, with a Basic cover single trip policy, from 19/11/18 until 18/11/19. The cover levels change depending on your package. Prices correct as of November 2018.

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Levels of cover

At Holiday Extras’ with you can purchase a holiday insurance for USA policy with one of three levels of cover; depending on your specific requirements. The three cover levels available are - basic cover, standard cover or premium cover. Premium is our highest level of cover and offers higher levels of protection which would be very beneficial when travelling to the USA because of the high medical care costs.

Our cover levels include:

  • Basic: £500 of cancellation cover per person, £2 million for medical costs and £500 for baggage.
  • Standard: £1,000 of cancellation cover, £5 million of medical cover and £1,500 in baggage cover.
  • Premium: £5,000 cancellation cover per person, £10 million medical cover and £2,000 baggage cover.

It takes an average of just ten minutes to book your travel insurance for America from Holiday Extras - or seven clicks online. Call centre support is available to guide you through the booking process, so you can get a great value policy quicker than ever before.

Practical information

Currency - Be sure to stock up on the US dollar before your arrival.

Medical requirements - Healthcare is expensive, so it's important to purchase good travel insurance that covers you for medical expenses abroad.

Visa Waiver Program - In order to travel to the USA the country you are travelling from needs to be a member of the VWP. Learn more on our Visa Waiver Program page.

ESTA - You will need to apply for an ESTA or Electronic System for Travel Authorisation before you jet off.

Biometric Passport - You will need a Biometric Passport, check out our page for details on what an e-Passport is and why it is important.

British travel tips for visiting the America

Tipping - Whereas in Britain and Europe tipping in not always expected, be warned that this is not the case in the USA. Failing to tip will most likely get you some dirty looks and will mean you probably won't be able to return to that restaurant again. In the USA, if you go to a sit down restaurant, it's expected that you tip at least 15% of the bill if the service was average, and even if something was wrong with the food, you should still tip at least 10%. This is because the hourly wages of servers remain very low so they really depend on the tips to make their living. If something goes wrong in the kitchen, this is not something that should be blamed on the server. The expectation to leave a generous tip is also partly the reason why eating out is relatively cheap in the USA. Tipping is also expected at bars, so if you're ordering a few drinks throughout an evening, just remember to throw in a couple extra dollars here and there as gratuity.

Restaurant freebies - You'll find that most sit-down restaurants will bring you complimentary bread, salad, water or chips without being asked. Feel free to enjoy these, as they are in fact included in the price of your meal unlike in many places in Europe.

Sales taxes - be aware that when you pay for most things in the USA, the price given on the price tag does not reflect the actual cost, as the sales tax is added later at the till. The sales tax is usually between 6-10% of the price of the item. While this shouldn't make too much of a difference when eating out or doing some clothes shopping, it can be a little more stymieing if you're planning to purchase some bigger ticket items or services during your stay in America.

Beware of the parking fines - Whatever you do, don't go over on your parking - you can be charged as much as $88 dollars for being just 2 mins over time!

Don't forget your ID - In America, the legal drinking age is 21 (that goes for both beer and spirits) and if you look under 40, it's likely that you'll be asked for ID. Remember, if you're buying alcohol in a group, everyone will have to be able to produce appropriate ID.

Get proper travel health insurance - Healthcare is notoriously expensive in the US. According to the most recent data available from the Centres for Medicare, the average American spends approximately $9,596 dollars per year on healthcare and insurance. Don't think that because you are a visitor you can somehow slip through the net should you receive medical care during your trip...that bill will definitely find you. For this reason, it's always best to have comprehensive travel insurance for America to cover for any unforeseen medical expenses.

Don't underestimate the size of the US - Remember that the USA is larger than you think...in fact it's larger than the total landmass of all the 27 countries in Europe. For this reason, you'll need to plan your trip carefully. It's more than likely that you simply won't have the countless weeks it would take to travel the length and breadth of the country. It's much better to focus on just one region during your trip like the South-east with places like Atlanta, Savannah and Charleston or the West-coast with L.A, San Francisco and Portland.

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What to do in the USA

  • Take a road trip. A drive through red-rock deserts and expansive prairies can give you a different perspective on the USA.
  • The USA is a cultural powerhouse and there's plenty to see, from Jackson Pollock's paintings to Andy Warhol's pop art.
  • Tuck in. Whether you prefer barbequed ribs or fresh lobster, the USA has it all.
  • The Grand Canyon is one of the Seven Natural Wonders of the World, and a truly awe-inspiring sight.
  • Take a wilderness tour in Alaska. You can spot bears and humpback whales, and you could even see the Northern Lights.

*Price based on a traveller aged between 18-65 years with no pre-existing medical conditions, travelling for one week during peak holiday season. Price correct as of April 2018. For the most up to date quote, always use the booking form.

Frequently asked questions

Which is the best travel insurance for the USA?

It’s a great idea to compare travel insurance before you book to get the best and cheapest deal for travel insurance for USA. Make sure you check the policy wording of each provider on either a single trip or annual multi-trip policy to see exactly what is covered.

Providers will offer different levels of cover at different rates so make sure you research which one is best for you. Check out Holiday Extras’ cheap basic, standard and premium levels of cover, and bear in mind that as medical costs are pretty high in the USA it would be a good idea to get high medical cover.

Do I need travel insurance for USA?

Travel insurance is vital if you’re travelling to the USA. If you fall ill or lose your baggage you could be stuck with high costs to pay. Travel insurance will offer a valuable safety net for your trip.

Be sure to get a travel insurance USA package with high levels of medical expenses cover. This is important as there is no reciprocal healthcare agreement in place for visitors to the USA travelling from the UK. American medical fees can be extremely high and if you require medical treatment whilst you are there, you will have to pay in full.

Do you need an ESTA to travel to the USA?

If you are a citizen of a Visa Waiver Program (or VWP) country and you are travelling to the USA by land then an ESTA is not needed. If you are travelling to the USA by air or sea though, you do. If you are not a citizen of a VWP country, you are required to have a visa. This would then mean that ESTA wouldn’t apply for you.

Learn more about ESTA here.

Do I need a visa to visit USA from UK?

Most passport holders can apply for an ESTA (Electronic System for Travel Authorisation) through the Visa Waiver Program (or VWP) which allows travel to the USA for up to 90 days. You will generally qualify to enter the USA using the VWP if your British passport describes you as a ‘British Citizen’ or has a recognised e-Passport electronic chip.

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When should you buy travel insurance?

If you are venturing on a single trip then you should buy travel insurance prior to your trip and select the date your holiday begins. When booking an annual multi-trip policy, you should be looking to book your policy 30 days in advance.

What is travel insurance and what does travel insurance cover?

Travel insurance covers unforeseen events when you are travelling. Most travel insurance plans are package plans that include various coverage. This cover can include cancellation cover, medical cover, cover for delayed or lost possessions (baggage cover), personal liability, legal expenses and end supplier failure cover.

Travelling with medical conditions

It can be difficult to find a cheap provider of worldwide travel insurance whilst suffering with a medical condition. With a potentially higher need for medical assistance whilst abroad, at Holiday Extras it doesn't always have to mean a higher price. We have a dedicated team on-hand to organise a quote tailored to you, so we can provide a policy that is individual to your needs. As long as you have disclosed all pre-existing conditions - we are more than happy to provide comprehensive cheap worldwide cover on both an single trip and annual basis, though please note age restrictions may apply. Please read our travel insurance with medical conditions page to find out more.

What if I choose not to declare an existing medical condition?

In the unfortunate event that you require medical treatment that is in anyway related to your undisclosed condition, then all of your claims will be rejected and your travel insurance policy will be rendered invalid, if you haven't declared a pre-existing medical condition on your policy.

Bear in mind that medical treatment abroad can cost thousands. Visit our travel insurance with medical conditions page to learn more.

What is End Supplier Failure?

Holiday Extras’ includes End Supplier Failure Cover, with Scheduled Airline Failure Cover (SAFI Cover). This can be important as it enables you to have complete protection if any part of your holiday, including your hotel or airline, goes out of business before your holiday or while you're away.

Can I refund my travel insurance policy?

Yes, you can refund your premium in full within 14 days of purchase, providing you have not claimed or already travelled on your policy.

Cancelling your policy

It is possible to cancel your travel insurance policy worldwide within 14 days of making your purchase, during which time, we can fully refund your payment. If your cancellation falls outside of this duration then it is still possible to cut ties with your policy but unfortunately we are not able to provide a refund.

Where can I travel to with my holiday insurance?

With Holiday Extras’ travel insurance, you can travel to:

  • Europe inc. Spain, Cyprus, Malta, Turkey or Greece for a Single Trip
  • Europe excl. Spain, Cyprus, Malta, Turkey or Greece for a Single Trip
  • Worldwide inc. USA, Canada or Caribbean for a Single Trip
  • Worldwide excl. USA, Canada or Caribbean for a Single Trip
  • Europe/Worldwide Annual Trip

Is trip cancellation insurance worth buying?

Cancellation cover is great if you have to change your plans at the last minute. All of our travel insurance policies include cancellation cover should you have to cancel your holiday plans at short notice. It's important to know what circumstances you can and cannot be covered for, visit our holiday cancellation insurance page to find out more.