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- Trip insurance for the U.S. offers protection for your nonrefundable trip expenses such as your flight, hotel, and transportation in the event of a covered cancellation or interruption.
- US trip insurance also offers coverage for emergency medical expenses.
- Having medical coverage is crucial for the U.S. where medical costs are extremely high.
- Trip insurance and travel medical insurance offer different types of coverage for visitors to the U.S.
Trip insurance for the United States is essential for travelers as it offers the ultimate protection against unexpected situations that can disrupt your trip.
While travel medical insurance is also an option for US visitors, trip insurance is another form of travel insurance that can offer both protection for trip expenses and emergency medical expenses for travelers to the United States.
What Is Trip Insurance?
Trip insurance is a type of travel insurance that offers coverage for your prepaid and nonrefundable trip expenses.
If you have to cancel your trip or if your travel plans are interrupted or delayed due to a covered reason under your policy, you can receive reimbursement for eligible nonrefundable trip costs.
What Can Trip Insurance for Visitors to the US Cover?
Trip insurance can offer a variety of coverage for visitors to the United States. Most importantly, it covers your nonrefundable trip costs such as your flight, hotel, tours, and transportation if your trip was cancelled or interrupted for a covered reason.
For example, if you have a covered sickness or injury before your trip that requires medical attention and prevents you from traveling, you can have coverage for any expenses you’ve paid for your trip that aren’t refundable.
Trip insurance can also offer a variety of other benefits, including emergency medical expenses, baggage loss or delay, accidental death and dismemberment, and lost or stolen travel documents.
What Doesn't Trip Insurance Cover?
When purchasing a trip insurance plan, here are some things that trip insurance doesn’t typically cover that you should keep in mind:
- Costs that are refundable, for example, refundable flight tickets
- Cancellations or interruptions for reasons that aren’t covered under the policy
- Routine, preventative, or elective medical care expenses
- Any loss due to war or acts of war
- Childbirth or pregnancy
- Professional athletic or sporting events
Can Visitors to the US Get Trip Insurance?
Trip insurance is available for non-U.S. residents who are visiting the United States. However, many trip insurance plans are designed for U.S. residents, so it is important to check eligibility of a trip insurance plan before purchasing.
Is Trip Insurance Different From Travel Medical Insurance?
Trip insurance is different from travel medical insurance, or visitors insurance.
Trip insurance is designed to act as travel protection, providing coverage for your trip expenses.
Travel medical insurance is designed to provide comprehensive protection for emergency medical expenses for any eligible new illness or injury that occurs during your travels.
Best Trip Insurance Plans for USA Visitors
These trip insurance plans are designed for non-U.S. residents visiting the United States.
Why Travel Insurance Is Necessary for US Visitors
Travel insurance is extremely important for visitors to the United States from abroad.
Medical expenses in the United States are extremely high. Without coverage, visitors can potentially be left in financial ruin if the unexpected were to occur during their trip and emergency medical attention is necessary.
Travel insurance can ensure that if an unforeseen accident or illness were to happen during your travels, which isn’t as uncommon as you think, you’ll have protection.
Life happens. Although no one wants to think the worst will happen before or during their trip, having security with give you peace of mind in a time where travel can often be uncertain.
Get Covered for Your US Visit
With travel insurance, you can fully enjoy your trip to the United States knowing that you have a vital safeguard in a variety of situations.
Still have questions? Reach out to our Customer Success Team for further assistance.
Frequently Asked Questions
Do I need trip insurance for travel medical insurance for the US?
You can choose trip insurance or travel medical insurance based on your needs. Trip insurance offers more travel protection benefits while travel medical insurance offers more flexibility in choosing medical protection.
Does trip insurance cover any type of cancellation?
Trip insurance only offers trip protection for certain cancellations as listed in your policy's wording.
Does trip insurance for US visitors offer medical coverage?
Yes, US trip insurance does offer coverage for emergency medical expenses as well. However, policy maximums and deductibles are fixed, as opposed to travel medical insurance where you can choose your policy maximum and deductible amounts.
Does trip insurance cover pre-existing conditions?
Most trip insurance plans will exclude pre-existing conditions in emergency medical expense coverage. Review a plan's policy wording to understand any exclusions when it comes to pre-existing conditions.
How much does trip insurance for the US cost?
Trip insurance typically costs between 5-10% of your total trip expenses.
Where can I purchase trip insurance for the US?
Trip insurance for the US can be purchased online in just a few minutes through VisitorsCoverage.
