The USA is a great holiday destination but it’s essential that you take out holiday insurance BEFORE you leave the UK and cover the whole of your time in the USA. If you need medical attention whilst you are on holiday in the USA or worse still need to come home early, or with the assistance of medical staff you could be facing a hefty bill if you haven’t got travel insurance.
The USA is classified as “Worldwide including the USA, Canada, Bermuda and the Caribbean” on holiday insurance quote programs and you should take care to ensure you pick the correct region when you set up a policy to ensure full coverage. The USA is one of the most expensive regions to buy travel insurance for, largely due to the high cost of medical treatment in the USA. Costs can be reduced as much as possible by shopping around and using a comparison service to buy your travel insurance, (rather than just signing up with your bank or home insurer). Also, don’t buy more cover than you need, for example don’t buy an annual multi-trip for just one visit to the USA.
Declare any pre-existing medical conditions to ensure the travel insurance will pay-out when you need it in the USA
It’s really important that before you leave the UK and travel to the USA that if you have any pre-existing medical conditions that these are disclosed to your travel insurance company.
If you don’t disclose your pre-existing medical conditions fully this may mean that a claim for medical expenses in the USA will be declined. Also if you don’t fully disclose medical conditions this could affect whether the travel underwriters will pay-out for a claim for cancellation if you fall sick before you go away, or worse if you need to be repatriated on medical grounds when you are on holiday in the USA. What is a “pre-existing medical condition”?
You need to declare to your travel insurance company whether you or anyone travelling with you has EVER had treatment for:
- Any heart or circulatory condition
- A stroke or high blood pressure
- Any breathing condition (including asthma)
Or if, within the last 24 months you have:
- Been treated for any serious / re-occurring condition
- Been referred to a specialist or hospital consultant for tests, diagnosis or treatment
- Been asked to take regular prescription medication.
Travelling to the USA on a single trip or annual multi-trip policy (if you are making this journey regularly, perhaps to relatives or to a holiday home), need not be expensive if you shop around and use a specialist travel insurance comparison service. Also, look for reviews from existing customers to check out their customer service and see what help they may be able to provide for you.