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.

Cheap Travel Insurance to America

Compare Travel Insurance USA

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

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Travel insurance to America can be very expensive, mostly because medical care is so expensive in the States. If you're looking for an economical travel insurance plan to America, we've found a few that are highly rated by customers and grouped them by Defaqto rating, which judges a policy on features. There may be better options out there but this will give you a starting point for your research and an idea of the cost of travel insurance for America.

If you're worried in particular about coronavirus impacting your travel plans, read about travel insurance companies that have said they'll cover COVID-19 to some extent.

Table of Contents

Defaqto 3 Star

If you're on a budget, you can find a travel insurance policy that's rated Defaqto 3 stars for just under £30 to cover a 2-week trip—families will pay from £55. These plans will usually have lower limits for emergency medical, cancellation and baggage cover, plus they might have fewer features (e.g., travel disruption/catastrophe cover) and might charge a higher excess if you need to claim, compared to a Defaqto 5 start policy, for example.

Coverwise (Bronze)

Consider this if you want good value from a specialist travel insurance company with high medical cover.

Coverwise Bronze offers competitive rates relative to the market for Defaqto rated 3 star travel insurance policies for America. For example, their Bronze plan costs from £27.88 for a single 30-year-old traveller heading to the USA for two weeks. A family of four would pay from around £64. Coverwise is available through comparison sites such as our partner Compare Cover. Their "Bronze" policy includes £20 million of medical cover, £1,500 of cancellation cover and £1,500 of baggage cover, all with a £95 excess. Coverwise is one of the few travel insurance providers that has said they'll cover coronavirus (subject to conditions).

  • £20m medical cover
  • £1,500 cancellation cover

Explorer Travel Insurance (Gold Plus)

Consider this if you want higher cancellation cover from a specialist travel insurance company, or you're travelling as a family.

The Explorer Travel Insurance Gold Plus offers quite a bit more cancellation cover (£2,500) for a price less than £30 for our sample 30-year-old traveller holidaying in America for two weeks—the plan offers less medical cover but to be fair £5 million is in all likelihood more than enough. This plan is also Defaqto rated 3 star. Families would pay from around £55—which is a relatively good price for a family. Compare Explorer Travel quotes against the market from our partner Compare Cover.

  • £5m medical cover
  • £2,500 cancellation cover
  • £1,500 baggage cover

Defaqto 4 Star

Defaqto 4 star travel insurance to America will cost more than £30 for a solo traveller for two weeks of cover; families will need to pay around £80 or more.

Cedartree (Classic)

Consider this if you want good value and comprehensive cover.

Cedartree offers some of the most economical Defaqto rated 4 star travel insurance policies for America through comparison sites such as our partner Compare Cover. Their "Classic" policy includes £15 million of medical cover, £2,000 of cancellation cover and £1,500 of baggage cover, all with a £95 excess. Prices start from around £30 for a 30-year-old single traveller to the USA. The cost for a family is around £79.50 for a 2 week trip.

  • £15m medical cover
  • £2,000 cancellation cover

Insurefor.com (Premier)

Consider this if you want higher coverage limits.

Coverage levels for cancellation and baggage are relatively high on the Insurefor Premier plan for the price, but there's no cover for events like volcanic eruption or a pandemic. You can compare prices with Compare Cover to see how their basic cover is priced. Their "Premier" policy includes £10 million of medical cover, £5,000 of cancellation cover and £3,500 of baggage cover. Prices start from around £43 for a 30-year-old single traveller to the USA. The cost for a family is around £109 for a trip to the USA.

  • £10m medical cover
  • £5,000 cancellation cover
  • £3,500 baggage cover

Defaqto 5 Star

5 star Defaqto travel insurance policies usually have the most coverage and are therefore the most expensive. 5 star Defaqto coverage for a 2-week trip to America would cost at least £80 for a family of 4; single travellers would pay from around £35 for cover.

Cover For You (Ruby)

Consider this if you want good value for a plan with lots of features like Scheduled Airline Failure.

Cover For You plans have some of the best sets of features in the market, with plans including extras like Scheduled Airline Failure, Delayed Departure, Personal Liability, Mugging, Hijacking and Legal Expenses. Their Ruby plan costs from £35 for a two-week trip to the States, one of the more economical 5-star Defaqto rated travel insurance policies for America, and includes £15 million of medical cover, £3,000 of cancellation cover and £2,000 of baggage cover. Families would cost around £84 to cover. Also, the excess is only £50, which is lower than a lot of other options, especially cheaper plans. You can buy Extended Gadget Cover to protect up to £3k of devices.

Compare quotes through a comparison site such as our partner Compare Cover to get a price specific to you and your travel plans.

  • £15m medical cover
  • £3,000 cancellation cover

AXA (Gold)

Consider this if you want good value and comprehensive cover for trips all over the world.

Whether Single or Multi-Trip, you'll see AXA tops the charts across a number of travel insurance needs. They consistently offer solid plans for good value and all plans include Baggage, Trip Delay and Cancellation, Insolvency and Catastrophe (e.g., fire, flood, earthquake, volcanic eruption, storm, avalanche, etc.) cover. Those looking for Cruise cover or who plan to Scuba Dive may need to look elsewhere, however.

  • £15m medical cover
  • £5,000 cancellation cover

AA (Gold Essential)

Consider this if you want good value and comprehensive cover for trips to the USA.

AA's Gold Essential policy (available from comparison sites) is underwritten by AXA and offers up to £5k in cancellation cover and £2,500 for baggage. Their top-tier Gold Essential plan for comparison sites includes cover for Insolvency of accommodation providers or their booking agents, and also for Catastrophe (e.g., fire, earthquake, volcanic eruption or ash, tsunami, storm, etc.) as well as Travel Disruption. FYI we checked the Policy Wording and the Gold Essential policy includes cover for if the Foreign & Commonwealth Office (FCO) advises against all travel or all but essential travel to the area you are travelling to—subject to conditions, of course, but perhaps worth the extra cost in the era of coronavirus.

  • £10m medical cover
  • £5,000 cancellation cover
  • £2,500 baggage cover

Compare Travel Insurance USA

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

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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.