Best Travel Insurance For USA Trips 2024
Planning for a trip to the USA soon? From exploring the iconic streets of New York City to marvelling at the natural wonders of the Grand Canyon, driving along the scenic Pacific Coast Highway, or enjoying the vibrant culture of New Orleans, the USA offers endless adventures for every traveller.
However, it’s crucial to be prepared for unexpected situations by securing comprehensive travel insurance. Whether it’s protecting yourself against earthquakes, tsunamis, or flight accidents, having the right travel insurance coverage ensures a worry-free experience in the land of opportunity.
Travel requirements to enter the USA
To travel to the USA as a tourist, you’ll need to apply for a visa unless you’re from one of the countries which are on visa exemption agreements under the Visa Waiver Program (VWP), with the USA. At the moment, Singaporean passport holders can travel to the USA for tourism or a visit for 90 days or less, i.e. for family or transit or medical treatments, without a visa under the VWP.
Before you apply for a visa, you may wish to utilise the Visa Wizard by the U.S. Department of State, to find out which type of visa is appropriate for you. Thereafter, you may apply for the visa either online or in person, about 3 months or more in advance, before your expected travel date.
Do note that travel to the United States under the VWP still requires ESTA approval, which means you still have to submit your ESTA application on the US Department of Homeland Security website. You may submit your ESTA application any time prior to your travel date, although it is recommended to apply as soon as you book your accommodations, or buy flight tickets. Here are the common types of visa which you can apply for:
- Transit
- Tourism & Visit
- Study & Exchange
- Business
- Employment
Top 9 Things To Do In The USA
Explore the famous Grand Canyon
Marvel at the breathtaking beauty of the Grand Canyon, one of the Seven Natural Wonders of the World on hiking trips along the rim, or take a mule ride down into the canyon, and try rafting through the Colorado River.
Visit iconic heritage monuments and islands
Step back in time and experience the iconic symbols of American freedom and immigration, take ferry rides to Liberty Island, climb to the crown of the Statue of Liberty, and explore Ellis Island to learn about the millions of immigrants who passed through its gates.
Immerse in the magic of Walt Disney World
With four theme parks there, you'll be able to explore fairytales at Magic Kingdom, innovation at EPCOT, cinematic thrills at Hollywood Studios, and adventure at Animal Kingdom. Each park brings a world of unforgettable experiences!
Discover the USA's food scene
Dig into classic New York pizza and bagels, New Orleans Cajun and Creole cuisine, San Francisco seafood, Chicago deep-dish pizza, Nashville hot chicken, Austin BBQ and more. Each city offers iconic dishes that highlight America’s rich culinary diversity.
Go on roadtrips
If you enjoy a good long scenic drive, experience going on road trip along the Pacific Coast Highway, to take in breathtaking coastal views, stop over at charming seaside towns, and visit iconic landmarks like the Golden Gate Bridge and Big Sur.
Experience the thrill of taking chances
Let loose in the neon-lit city of Las Vegas, Nevada where you can try your hand at gambling games in the comfort of world-class casinos, catch a show on the Strip, and immerse in the city's vibrant nightlife.
Catch live music performances
Music lovers can groove to live music at renowned spots like The Continental Club and the Austin City Limits Music Festival, or delve into the essence of country music with performances at the Grand Ole Opry and other historic venues.
Embrace natural wonders
Witness the stunning landscapes of Yellowstone National Park, home to geysers, hot springs, waterfalls, and diverse wildlife. There is a myriad of activities to do there, including hiking through the park's trails, wildlife watching, or scenic drives.
Visit a historic city
Step back in time and explore the historic city of Boston, Massachusetts, where iconic landmarks like the Freedom Trail, the Boston Tea Party Ship, and Fenway Park where you can see interactive exhibits, go on cultural tours and more.
How to choose travel insurance for your USA trip?
When choosing a travel insurance plan for your trip to the USA, there are many factors to consider to ensure you have sufficient coverage. If you haven't already secured a plan with COVID-19 coverage, you may want to look into adding this benefit to an existing policy or purchasing it as a standalone feature. Here are 5 steps to help you get started:
Check if your plan provides adequate coverage
While the cost of your travel insurance is important, it's crucial to focus on the level of coverage it offers. Make sure the policy covers essential areas such as overseas medical expenses, trip cancellations, flight delays, and loss or damage to baggage. The reimbursement limits should also align with your travel needs, especially in case of unexpected events.
Get insured for any pre-existing conditions
If you or any family members have pre-existing medical conditions, ensure you get coverage for them. Some insurers offer this, including coverage for conditions like pregnancy, injuries, or illnesses that arise during your trip, particularly if you contract COVID-19. Additionally, getting a policy with COVID-19 coverage will help cover in-patient hospital expenses overseas, medical evacuation, and repatriation costs.
Do a comparison of policy premiums
The total premium for your travel insurance will depend on factors such as your destination and length of stay. Most insurers offer multiple tiers of plans at varying price points, each providing different levels of comprehensiveness and reimbursement limits. Be sure to compare these options to find one that best fits your budget and needs.
Consider coverage of sporting activities
If your USA trip involves sports or outdoor activities like water sports or extreme adventures, make sure your adventure travel insurance covers them. For example, if you're planning to skydive or paraglide in California, choose a policy that includes coverage for aerial sports and other adventure activities.
Ensure coverage for trip disruptions and baggage loss/damage.
Given that the USA is prone to many natural disasters such as typhoons, snowstorms and earthquakes, it’s wise to choose a policy that covers trip cancellations, delays, and damage or loss of your baggage due to such events. This added protection will provide peace of mind in case your travel plans are disrupted.
Compare travel insurance plans for your USA trip
FWD Premium
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$7,500
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$20.9725% Off - S$15.73
[GIVEAWAY | MoneySmart Exclusive]
Get over S$85 worth of UPSIZED rewards including:
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
• S$50 Trip.com Coupon*, for a limited time only! T&Cs apply.
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
Zurich Travel Insurance Essential
- Med. Coverage (Overseas)
- S$125,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$20.3610% Off - S$18.32
[GIVEAWAY | Receive your cash as fast as 30 days*]
Get over S$60 worth of rewards including:
• Up to S$25 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
INCOME Standard Classic
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$42.1850% Off - S$21.09
[✈️ Score Dream Holidays worth over S$10,800 ✈️ | MoneySmart Exclusive]
Get over S$45 worth of rewards including:
• S$10 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
Embark on an Exciting Getaway with our Giveaways and score:
✨ A Dream Holiday (worth up to S$1,800). T&Cs apply.
✨ S$100 Revolut cash reward. T&Cs apply.
MSIG TravelEasy Standard
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$34.560% Off - S$13.80
[GIVEAWAY | Receive your cash as fast as 30 days*]
Get over S$130 worth of UPSIZED rewards including:
• Up to S$45 via PayNow OR an Apple AirTag (worth S$45) with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
• S$50 Trip.com Coupon*, for a limited time only!
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
DirectAsia Voyager 250
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$2840% Off - S$16.80
[✈️ Score Dream Holidays worth over S$10,800 ✈️ | MoneySmart Exclusive]
Get up to S$60 worth of rewards including:
• Up to S$30 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
Embark on an Exciting Getaway with our Giveaways (min. premium of S$70 spent) and score:
✨ A Dream Holiday (worth up to S$1,800). T&Cs apply.
✨ S$100 Revolut cash reward. T&Cs apply.
Allianz Travel Silver
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$4650% Off - S$23
[GIVEAWAY | MoneySmart Exclusive]
Get over S$80 worth of rewards including:
• Up to S$45 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
[Allianz Promotion]
Get FREE Airport Lounge Access for delayed flights with Silver and Platinum Travel Insurance plans purchased. T&Cs apply.
How will travel insurance cover me in the event of natural disasters or unexpected events?
Baggage & personal belongings coverage
When traveling to the USA, protecting your baggage and personal belongings is essential, especially in cases of natural disasters or adverse weather conditions. While many insurers exclude claims for events like earthquakes or hurricanes, companies such as Etiqa and DirectAsia offer reimbursement for personal baggage, belongings, and even travel delays or cancellations caused by these situations. Coverage typically includes compensation for loss due to unforeseen events, but limits apply per item or category, so it's crucial to review the policy details for maximum protection.
Trip curtailment, cancellation or travel delay coverage
For travellers facing unexpected cancellations or delays before or during their USA trip, certain travel insurance plans provide reimbursement for irrecoverable pre-paid transport and accommodation expenses. These reimbursements cover costs if your trip is disrupted due to unforeseen events such as natural disasters or extreme weather, with claims typically processed for cancellations made within 30 days prior to departure.
Medical costs coverage
Accidents or injuries during your USA trip, especially those resulting from natural disasters, may be covered by insurers like Singlife and FWD. Some of their travel insurance plans include the “Cancel for any reason” benefit, and even include overseas medical expenses and even post-trip medical treatment back in Singapore.
Coverage depends on your policy's terms, so ensure that any medical treatment is administered within the specified time frame and that reimbursement limits align with your plan's conditions. Always check with your insurance provider for specific details on medical coverage.
What is the average cost of travel insurance to the USA?
With so many travel insurance plans offering different coverage, it can be overwhelming to compare them all. Here's a quick example using the 5 best travel insurance plans in Singapore. For a 7D6N trip to the USA with a single-trip plan, here's a breakdown of the key coverage components.
| Travel Insurance Provider | Overseas Medical Expenses Coverage | Post-trip Medical Expenses Coverage | Loss/Damage of Personal Baggage | Trip Cancellation | Total Premium |
|---|---|---|---|---|---|
| FWD | Up to $1,000,000 | Up to $30,000 | Up to $7,500 | Up to $15,000 | $103 |
| MSIG | Up to $1,000,000 | Up to $75,000 | Up to $7,500 | Up to $15,000 | $209 |
| Singlife | Unlimited | Up to $80,000 | Up to $8,000 | Up to $20,000 | $175 |
| Bubblegum | Up to $150,000 | Up to $10,000 | Up to $3,000 | Up to $5,000 | $53 |
| Etiqa | Up to $1,000,000 | Up to $10,000 | Up to $3,000 | Up to $10,000 | $106 |
| Allianz | Up to $1,000,000 | N.A. | Up to $5,000 | Up to $10,000 | $237 |
*Above estimated premium rates are based on the highest tier of each insurance provider's plans for a 7D6N single trip plan to the USA, all data last updated on 17 September 2024. All premium rates are subject to change without prior notice in each insurance company's sole discretion.
Frequently Asked Question
Do I need to apply for a visa to travel to the USA?
- Yes and no. This depends on your citizenship, the type of passport you are currently holding, and the purpose of travel to the USA. You may need a visa to travel to the USA unless you're eligible for the Visa Waiver Program (VWP) or meet other specific entry requirements.