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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
- How much is travel insurance to USA?
- How much are winter sports and cruise insurance to America?
- Cost of travel insurance to USA by age
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 USA||Single 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.
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 USA||Single Trip (USA)||Annual, Multitrip (Worldwide)|
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 USA||No Add Ons||Cruise||Winter 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.
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|
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.