Travel health insurance USA

The United States is the perfect place for adventure, but minor accidents can happen quickly. To avoid unpleasant surprises when it comes to the cost of medical treatment on vacation, we recommend that you take out travel health insurance for the USA.

Why get travel health insurance for the USA?

Whether you are traveling for just a few days or for several months, taking out an international travel health insurance policy is generally highly recommended. And, if your trip takes you to the USA, a comprehensive insurance cover is especially important.

Medical care in the United States is comparable to standards in Europe. Clinics and doctors' offices are usually well equipped and up to date. However, health care costs in the USA are generally very high: even a simple visit to the doctor rarely costs less than $100. A hospital stay can cost thousands or even tens of thousands of dollars. And drug prices in the US are also among the highest in the world.

Travelers often underestimate the costs of ambulance services, as the distance to the nearest hospital in the vast US territory can be very long. If you do not have insurance coverage for your trip in case of an emergency, you would have to pay for the medical costs yourself on site. 

Benefits of travel health insurance

Travel health insurance offers you indispensable security on your trip to the USA. In the event of a medical emergency, the insurance will pay for the costs of necessary medical treatment. As a rule, travel health insurance includes the following benefits:

  • Medical examinations and treatments
  • Transport after a medical emergency
  • Inpatient treatment in hospital
  • Medication and other medical supplies (bandages, plasters, etc.)
  • Dental emergencies
  • Search, rescue, and recovery costs
  • Return transport to the home country

However, depending on the insurance provider, the packages offered differ. Other possible benefits of travel health insurance are:

  • Treatment in case of COVID-19 infection or other epidemic or pandemic disease
  • Guarantee for (extreme) sports accidents and reimbursement of costs for sports equipment
  • Visit of a family member to the place of vacation in the event of hospitalization
  • Transportation of luggage in the event of a medical transport back home
  • Care or return transport for minor children
  • Care or return transport for pets


Because the cost of medical services in North America is very high, some providers offer policies for the world, excluding the USA and Canada, as well as policies for the world, including the USA and Canada! So be sure that your coverage includes the United States before signing a contract.

Extended insurance coverage

In addition to a basic plan that only includes travel health insurance, most insurance companies also offer extended insurance packages that provide you with greater protection while traveling. Depending on your individual situation and travel plans, it may be worth paying a little more for comprehensive coverage.

Extended insurance packages also include the following services, among others:

  • Travel Cancellation Insurance
  • Travel interruption insurance
  • Baggage insurance
  • Travel accident insurance
  • Travel liability insurance

Cost of travel health insurance

Each insurer freely sets the prices for the various travel insurance packages. The decisive factor for the price is primarily the benefits included. However, there are also other criteria that can influence the price of travel insurance:

  • Age of the insured person(s)
  • Amount of coverage
  • Duration of stay in the USA
  • Purpose of stay in the USA
  • Planned activities
  • The number of insured persons (Should spouse or minor children be covered under a family policy?)
  • Insurance coverage with/without co-payment

Our tip: travel health insurance by HanseMerkur

Our partner HanseMerkur offers optimal travel cover, which you can take out either for a single trip or for a whole year.

Benefits included in the travel medical insurance:

  • 24/7 emergency service
  • Emergency medical or dental treatment
  • Transportation after a medical emergency
  • COVID-19 coverage (reimbursement of costs in case of infection or quarantine order)

Check and calculate HanseMerkur health insurance offers for your USA journey

Travel preparation USA

You don't want to leave anything to chance when planning your trip to the USA? Then you will find important information in our articles on booking rental cars, credit cards, cheap flights. And if you're undecided about where to go on your visit to America, you can find inspiration in our extensive portraits of all the US states and top cities.

ESTA – visa-free to the USA

With an ESTA, you can stay 90 days visa-free in the USA. Apply online now!