USA travel insurance

Many insurers now offer some level of Covid-19 cover, but this can vary quite a lot between providers. Examples of what may be covered include:

• Emergency medical expenses: Including repatriation (getting you home), and additional expenses (for example, a quarantine hotel stay) if you fall ill with Covid-19.
• Cancellation: If you test positive (or a close relative passes away due to Covid-19) prior to your holiday and are unable to travel.
• Curtailment: If you test positive for Covid-19 pre-departure, upon arrival at your destination, or while on holiday. Additionally, look for a policy that offers curtailment cover in the event a close relative passes away from Covid-19 during your holiday.

There are many different types of holiday insurance policy you can take out before a trip to United States. Which one you choose depends on your circumstances.

For a one-off holiday, single-trip cover could be the best option. However, if you plan to take a number of holidays this year, then an annual multi-trip might work out to be a better deal financially – annual multi-trip can be worldwide, covering you for holidays outside the US.

Family insurance is also an option if you know you will be travelling as a group – it also saves you from having to sort out an individual policy for each member of your family.

Travel insurance can often be a bit of an afterthought when it comes to holiday purchases. When you finally remember you need it, it’s tempting to go for the cheapest option available.

While it’s important to compare travel insurance policies in order to get the best deal, the cheapest isn’t always the best option for you.

Things such as the level of excess you’ll need to pay before the policy pays out, whether a single-trip policy is better than an annual multi-trip policy and the level of medical care you might need are all factors you need to consider.

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TravelSupermarket Limited (FCA FRN 953671) is an appointed representative of MONY Group plc, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190). MONY Group Financial Holdings Limited, registered in England No. 3157344.