The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of Travel Insurance to America 2020

Compare Travel Insurance USA

One form to fill out. Compare quotes from over 45 insurers in under 2 minutes.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"travel","description":"One form to fill out. Compare quotes from over 45 insurers in under 2 minutes.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fcar%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fhome%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fbike%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Compare Travel Insurance USA"}

Whether you’re heading off on a once-in-a-lifetime trip to America or you’re a regular visitor to that side of the Atlantic, you should consider buying travel insurance before you set off. Medical expenses and liability can be particularly expensive if you have trouble while in the USA.

We’ve researched hundreds of policies from nearly twenty of the top UK travel insurance companies to give you an idea of the average cost of travel insurance to America. Use this information as a guide to understanding expected costs when considering which policy and features to buy. If you have any pre-existing conditions you can find more information in our article on average cost of travel insurance for medical conditions.

Table of Contents

Average Cost of Travel Insurance to America

Travel insurance for America is generally more expensive than any other region. 3 star Defaqto rated policies start from £11.40 to cover a one-week single trip, while 4 star policies start from around £17.70 and 5 star from £25.30.

The average cost of annual multi-trip travel insurance with worldwide coverage starts from around £21.1 for a 3 star policy, £33.5 for a 4 star policy and £48.6 for a 5 star policy.

Starting Travel Insurance Prices for USASingle Trip (USA)Annual, Multitrip (Worldwide)
3 star Defaqto rating£11.4£21.1
4 star Defaqto rating£17.7£33.5
5 star Defaqto rating£25.3£48.6

People who will take more than one trip a year are typically better of buying an annual, multitrip policy because they usually cost less than 2X the cost of a single trip policy—but the exception can be if you have a lot of pre-existing medical conditions or if you need extra cover cruise or winter sports for one trip.

Chart Showing that Travel Insurance for a 30-year-old individual
Cost of travel insurance for USA for a 30-year-old solo traveller

Travel Insurance Costs for a Family to USA

A family of four pays roughly 2.5X to 3.5X what a solo traveller would pay. Travel insurance prices for a family of 4 heading to America start from around £41 for a 3 star Defaqto policy. Annual, multitrip cover is a better buy if you'll travel again in the year, with prices from £65.

A Family of three would pay a touch less; a family of five would pay a touch more.

Starting Travel Insurance Prices for a Family for USASingle Trip (USA)Annual, Multitrip (Worldwide)
3 star£41.1£65.4
4 star£58.1£87.1
5 star£69.9£115.0
Chart Showing that Travel Insurance for a family of 4
Cost of travel insurance for USA for a family

Average Cost of Travel Insurance Extras to America

Just as a basic policy costs more for coverage in America, extras like cruises and winter sports tend to cost more as well. Expect cruise cover to roughly double the amount you'll pay for travel insurance; winter sports cover costs even more.

Starting Travel Insurance Prices for Travel Insurance for USANo Add OnsCruiseWinter Sports
3 star Defaqto rating£11.4£34.5£37.8
4 star Defaqto rating£17.7£45.4£58.9
5 star Defaqto rating£25.3£49.3£58.0

Since cruise and winter sports cover add so much to the cost of travel insurance, you may find it quite expensive to buy annual, multitrip cover that includes these features. Some people who want cover for multiple trips find it cheaper to buy a regular annual policy and then supplement this with single trip cover with extras for a ski holiday or cruise. You'll have to compare prices yourself to see how the numbers work out.

Chart Showing that Travel Insurance with cruise and winter sports cover for a 30-year-old individual
Cost of travel insurance for USA with cruise and winter sports cover

Regardless of whether you go with a single or multi-trip policy, if you're booking your own holiday be on the look out for SAFI or ESF protection if you want cover for insolvency of your airline and/or accommodation to avoid stress around situations such as the recent Flybe failure.

How Age Affects the Cost of Travel Insurance to USA

Travel insurance costs roughly the same amount through one's 20's, 30's and 40's. When you turn 50 years old, prices essentially double. Then around age 70 they basically double again, making a healthy 70 year old around 5X more expensive to insure than a 30 year old. At 80 years old, prices double again!

For example, a 30 year old would pay from around £12.30 to secure a 4 star Defaqto policy with £2,000+ of cancellation cover; an 80 year old would need to pay around £125 for the same cover.

Cost of Cheap, Single Trip, 4 Star Travel Insurance to USA, by age
20 years old£12.3
30 years old£12.3
40 years old£13.7
50 years old£24.3
60 years old£27.8
70 years old£60.4
80 years old£125.4
Chart Showing that Travel Insurance costs to USA for different ages
Travel insurance prices really jump up by age 70 years old

FAQs

Travel insurance to America starts from around £11 for a single trip for a young, healthy solo traveller with 3 star Defaqto coverage. Families will pay at least £41 for similar cover. USA travel insurance costs for older travellers are significantly higher, with prices rising 5X for those 70 years of age and 10X for those 80 years of age—or more for those with pre-existing medical conditions.
Travel insurance to USA is so expensive because medical care costs are much higher than average for the rest of the world. Since medical claims account for 31% of travel insurance claims, the medical aspect of cover is nothing to be sneezed at.

Methodology

To determine the average cost of travel insurance for UK consumers heading to America, we first collected travel insurance quotes from our travel insurance comparison partner Compare Cover. To get an idea of the true cost of a "cheap" policy, that is, how much someone might need to pay to secure cover, we averaged the 5 cheapest quotes available for policies rated 3 stars, 4 stars and 5 stars by Defaqto.

In order to standardize our results, we made certain assumptions about the type of plan and level of coverage sought by the average consumer. Other than the "age" section, our sample traveller was 30 years old and healthy with no pre-existing conditions. In the age section, the quotes reflect the cheapest 4 star Defaqto rated policy available with at least £2,000 of cancellation cover. For this part of the study we couldn't take an average of the ten cheapest quotes because there's a much smaller selection of plans available for 70 and 80 year old travellers, and including ten quotes, where available, would have really skewed the results.

Comments

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.