U.S. Travel Insurance and Destination Guide

February 12, 2025

The United States is a land of immense diversity, offering travelers an array of iconic landmarks, bustling cities, breathtaking national parks, and vibrant cultural experiences. From the skyscrapers of New York City to the serene beaches of Hawaii, or the vast Grand Canyon to the lively streets of New Orleans, the U.S. has something for everyone. Whether you’re seeking outdoor adventures, world-class dining, historical tours, or cutting-edge entertainment, America delivers an unforgettable travel experience across its 50 states.

While exploring the country, it’s essential to make sure that you’re protected with the right travel insurance for the U.S.. Unforeseen events such as trip cancellations, medical emergencies, or lost luggage can disrupt even the best-planned itineraries. For those traveling domestically, the SafeTrip travel insurance plan can provide confidence and safeguard your journey. If you’re visiting from abroad, securing travel medical insurance is crucial to cover unexpected health care costs, as medical expenses in the U.S. can be significantly higher than in other countries. The right travel insurance allows you to focus on enjoying your trip, knowing you’re well-prepared for any surprises along the way.

Traveling to or within United States

The United States is a vast and diverse country, offering a wealth of travel opportunities for both domestic and international travelers.

Places to go and things to do

Discover the diverse attractions and exciting activities that await you in the United States, from vibrant cities to stunning natural wonders.

East Coast

The East Coast is home to some of the most iconic cities and landmarks in the U.S. Visit New York City for its world-famous skyline, Broadway shows, and Central Park. Head to Washington, D.C., to explore the nation’s capital, filled with historic monuments and museums. Don’t miss the scenic New England coastline, where you can enjoy charming towns, lighthouses, and vibrant autumn foliage.

Midwest

Known as America’s heartland, the Midwest offers a mix of urban excitement and outdoor tranquility. Chicago’s stunning architecture and vibrant arts scene make it a must-visit city. Beyond the urban areas, explore the Great Lakes, lush forests, and charming small towns. The region is also famous for its festivals, including the Minnesota State Fair and Milwaukee’s Summerfest.

West Coast

The West Coast is a paradise for nature lovers and urban explorers alike. Discover the golden beaches of California, the tech hubs and cultural scenes of San Francisco and Seattle, and the breathtaking national parks like Yosemite and Olympic. For movie buffs, a trip to Los Angeles is essential to experience Hollywood’s glitz and glamour.

Southern States

The Southern U.S. is rich in history, hospitality, and cultural vibrancy. Enjoy the lively music scenes in Nashville and New Orleans, or delve into history in Charleston and Savannah. The region also boasts natural beauty, from the Smoky Mountains to the Gulf Coast beaches. For food lovers, the South offers a culinary journey featuring barbecue, Cajun, and soul food specialties.

Best times to visit

The best time to visit the United States depends on your destination and preferences, offering unique experiences throughout the year.

• East Coast: Spring (March-May) and fall (September-November) offer mild weather, vibrant foliage, and fewer crowds.
• Midwest: Summer (June-August) is ideal for outdoor activities, while fall provides stunning views of changing leaves.
• West Coast: Spring and fall are best for comfortable temperatures, while winter is perfect for skiing in the mountains.
• Southern States: Spring and fall provide the most pleasant weather for exploring cities and outdoor attractions.

Travel insurance for the U.S.

Whether you’re traveling domestically or visiting the U.S. from abroad, having the right travel insurance is essential for a trip with less worries. For international travelers, travel medical insurance is crucial to cover potential medical  expenses, as medical costs in the U.S. can be unexpectedly high. Domestic travelers can benefit from SafeTrip travel protection plans to guard against trip cancellations, delays, or lost luggage. With the right coverage, you can focus on creating memories and enjoying all that the United States has to offer.

Why you need travel insurance in United States

Traveling to or within the United States offers incredible opportunities, but unexpected situations can arise, making travel insurance an essential part of your planning. Whether you're exploring the bustling cities or serene landscapes, having the right coverage can help you be prepared for any unforeseen events.

What to consider when choosing travel insurance

When selecting a travel insurance for the U.S., focus on the following factors to make sure you have the right protection:

• Trip Details: Many people travel to the U.S. for an extended period of time or visit multiple states during their trip. So it is important to consider the length and purpose of your trip, the regions you’ll visit, and the overall cost. These factors influence the type of coverage you need and the policy limits required.
• Coverage Limits: The U.S. has some of the highest medical costs globally. Make sure your policy provides adequate coverage for emergency medical treatment, hospital stays, and evacuation if necessary.
• Activities: If your itinerary includes activities such as hiking in the Grand Canyon, skiing in Colorado, or a road trip along Route 66, confirm that your policy covers these high-risk activities. Adventure pursuits often require additional coverage to avoid exclusions.
• Emergency Evacuation and Assistance: In case of medical emergencies, especially in remote areas or national parks, SafeTrip's international insurance plans cover emergency evacuations for non-U.S. residents and provide 24/7 assistance to help you receive the necessary care.
• Trip Cancellation and Interruption Coverage: Look for a policy that covers disruptions such as cancellations due to hurricanes in coastal states, wildfires affecting national parks, or work obligations delaying your trip to iconic destinations like New York City or Las Vegas.
• 24/7 Emergency Response Center (ERC): A policy offering 24/7 access to an emergency response center is invaluable in the U.S. It can assist with urgent medical needs, arranging evacuation from remote areas like Yellowstone, or rebooking flights due to weather-related cancellations. This support is especially helpful for those unfamiliar or new to the U.S. health care system.

Travel insurance plans tailored to the unique challenges of the U.S. can help you to make your trip remain memorable for all the right reasons, protecting you against potential setbacks while allowing you to focus on the adventure ahead.

SafeTrip insurance plans

SafeTrip offers a variety of U.S. travel insurance plans tailored to meet the needs of travelers visiting or exploring the United States. With coverage designed to handle the unique challenges of traveling within the U.S., SafeTrip ensures your travel experience is smooth and secure, allowing you to focus on making lasting memories.

International Travel Medical Plus

The SafeTrip International Travel Medical Plus plan is ideal for non-U.S. travelers seeking a combination of protection during their U.S. adventure. This plan provides robust medical coverage limits, to help you be prepared for the unexpected in a country known for its high health care costs. It also includes emergency medical evacuation, trip cancellation or interruption coverage, and 24/7 assistance services. Whether you're hiking in the Rocky Mountains, exploring the vibrant streets of New York City, or enjoying the theme parks of Florida, this plan can help you protect yourself against unforeseen events.

International Travel Medical

For travelers prioritizing health coverage, the SafeTrip International Travel Medical plan offers extensive medical benefits designed to meet non-U.S. travelers’ needs while visiting the U.S. This plan focuses on providing coverage for emergency medical treatment, evacuation services, and access to medical referrals. It’s an excellent choice for those who want reliable medical protection while visiting destinations like the Grand Canyon, the beaches of California, or the historic landmarks of Washington, D.C.

Travel Protection

For U.S. residents planning domestic trips, the SafeTrip Travel Protection plan is designed to provide confidence while traveling within the country. This plan includes trip cancellation and interruption coverage for unexpected events like severe weather, illness, or other unforeseen disruptions. It also offers reimbursement for lost, stolen, or delayed baggage, as well as 24/7 assistance services to help with emergencies such as finding nearby medical care or alternative travel arrangements. Whether you're planning a road trip along Route 66, skiing in Aspen, or exploring the National Parks, the Travel Protection plan can help ensure your domestic travel is hassle-free.

Each SafeTrip plan is crafted to provide the coverage you need to fully immerse yourself in the beauty and culture of the United States. From handling medical emergencies and covering unexpected trip cancellations to safeguarding your belongings from loss or theft, SafeTrip helps you so you’re ready for any challenge your trip might present.

U.S. travel health information

Understanding the health landscape in the United States is crucial for creating a safe and enjoyable trip, from health care options to necessary precautions.

Emergency contact numbers and local assistance

Emergency numbers to be dialed locally:

• Ambulance & Medical emergency services: 911
• Fire: 911
• Police: 911

The United States has efficient ambulance services, staffed by well-trained paramedics who are equipped to respond to life-threatening emergencies. Visitors should note that ambulance services can be and should only be used in emergencies. Otherwise, it is recommended to visit the nearest urgent care center.

Those in need can access the public ambulance system by dialing 911. The responding ambulance will be directed to the most appropriate hospital. The patient can sometimes ask to be brought to a specific hospital unless their condition requires a specific facility. Most large teaching hospitals and trauma centers have helicopters for medical evacuation.

Visitors should note that it is not advisable to use hospital emergency departments for non-emergent walk-in care, as this can be very costly. Most urban areas have urgent care centers where one can receive treatment for minor medical problems.

A national "Suicide & Crisis Lifeline" is available by contacting 988 (call, text or chat).

Health care payment

In the United States, health care providers typically require payment upfront for services if you don’t have insurance. Hospitals and doctors accept cash and major credit cards, creating flexibility in payment options.

For non-emergency cases, walk-in clinics are a popular choice, as they often provide transparent pricing and accept credit cards, making them convenient for travelers needing quick medical attention.

Hospital care

The U.S. is home to some of the most advanced medical facilities in the world, with major cities boasting multiple hospitals equipped to handle a wide range of medical conditions.

These institutions often attract international patients seeking cutting-edge treatments and research-driven care.

However, rural and smaller cities may have limited hospital options, requiring patients to be transferred to urban medical centers via ground ambulance, helicopter, or air ambulance for specialized care.

While the U.S. health care system can treat nearly all medical conditions, the costs can be significant without the right insurance coverage.

Medications

U.S. pharmacies carry most major international medication brands, with many locations open 24 hours a day for added convenience. Travelers should note that some over-the-counter medications available in other countries may require a prescription in the U.S.

Additionally, only prescriptions written by licensed U.S. doctors are accepted, so plan accordingly if you need to refill any medications during your stay.

Non-Urgent care

The majority of health care in the U.S. is provided through outpatient facilities, such as urgent care clinics and private practices run by family and specialist doctors.

Walk-in clinics are a convenient option for routine medical care, as they don’t require appointments and offer services like vaccinations, minor injury treatment, and general check-ups.

High-quality dental services are also widely accessible, offering non-urgent care options for travelers.

Frequently asked questions about traveling to and within United States

Do U.S. citizens need travel insurance in the United States?

While U.S. citizens are not required to have travel insurance when traveling within the country, having a travel protection plan is highly recommended. These plans provide coverage for unexpected expenses such as last-minute itinerary changes, trip cancellations, or delays. Even domestic travel can come with unforeseen challenges, and travel insurance helps you financially protect and have access to assistance services if needed.

Do international travelers need travel insurance for the U.S.?

While travel insurance is not mandatory for international travelers visiting the United States, it is highly recommended. The cost of medical treatment in the U.S. can be extremely high, and having insurance can help cover unexpected medical expenses, trip cancellations, lost luggage, or flight delays. Travel insurance offers confidence, making sure you are protected against financial setbacks due to emergencies or unforeseen events, making it a smart choice for any international traveler.

How much medical insurance do you need for America?

The amount of medical insurance you need when visiting the United States largely depends on the length of your stay and personal health needs. It is advised to have a plan with a minimum coverage of $50,000 for medical expenses, although higher coverage may be necessary for those with pre-existing conditions or who plan to engage in high-risk activities.

A plan that also covers emergency evacuation and repatriation is recommended, as these costs can be substantial. Make sure your insurance includes coverage for a variety of scenarios, such as hospitalization, emergency care, and medical transportation, to have the right protection.

What vaccinations are required?

Travelers entering the United States from other countries do not need any specific vaccinations. However, immigrant visa applicants must meet a vaccination requirement that includes Hepatitis A and B, Influenza, Measles, Meningococcal, Mumps, Pneumococcal, Polio, Rubella, Tetanus, and other standard vaccinations. If you’re applying for an immigrant visa, make sure that you meet these health requirements before your trip.

To find up to date information about required vaccinations, visit the U.S. Department of State website.

Entry requirements and visa information for inbound travelers

Travelers to the United States must have a passport valid for at least six months beyond their departure date.

For those eligible under the Visa Waiver Program (VWP), an online registration with the U.S. Electronic System for Travel Authorization (ESTA) is required at least three days before travel. This registration remains valid for two years and allows for multiple trips of up to 90 days each.

Countries participating in the VWP include major nations from Europe, Asia, and Oceania, such as France, Japan, and Australia. However, travelers must have machine-readable or biometric passports and are subject to fingerprinting and photographing upon entry.

Travelers not eligible for the VWP will need a visa appropriate for their visit, such as tourist, business, or transit visas.

Imports and exports

When traveling to and from the United States, it's important to understand the regulations around imports and exports to create a smooth and compliant journey.

U.S. residents

Returning U.S. residents can import goods valued up to $800 duty-free, provided they were abroad for at least 48 hours and haven’t used this exemption in the last 30 days. Allowances include up to 100 cigarettes, 100 cigars, and 1 quart of alcoholic beverages for those 21 or older. Families traveling together can pool their allowances.

Goods purchased in certain restricted countries, such as Cuba and North Korea, are allowed within strict limits, provided they are for personal use and not for resale. These goods must accompany the traveler during entry.

Non-residents

Non-residents can import duty-free items for personal use, including 50 cigars, 200 cigarettes, or 2 kilograms of tobacco, and 1 quart of alcoholic beverages for those 21 and older. Gift items valued at up to $100 are also permitted. However, restrictions apply to certain items like food products, arms, and ammunition. Be aware of these regulations to avoid complications during entry.

United States travel tips and safety information

When traveling to the United States, it's essential to be well-prepared and informed to create a safe and enjoyable experience. Here are some travel tips and safety advice to keep in mind.

United States local laws and customs

Understanding local laws and customs is essential for a smooth experience in the United States. Here are some key aspects to keep in mind:

• Language: English is the primary language, but American English differs in vocabulary, phrasing, and spelling from British English. Spanish is also widely spoken, especially in southwestern states, southern Florida, and urban centers like New York City.
• Greetings: Handshakes are common, with a firm grip preferred. Weak handshakes, particularly among men, are frowned upon. Informal greetings often include "How are you?" which is a general salutation rather than an invitation for detailed responses.
• Patriotism: S. citizens may be critical of their government but are generally patriotic. Negative comments about the U.S. by foreigners may be perceived as offensive.
• Tipping Culture: A 15–20% tip is standard at restaurants, with higher tips for exceptional service. For groups of eight or more, a 15% gratuity is often added to the bill. Taxi drivers typically receive $1–2 in tips per ride, and airport porters are tipped $1 per bag.
• Smoking Laws: Smoking restrictions vary widely by state and city. Always check local regulations.
• Gestures: Extending the middle finger is considered highly offensive.
• LGBTQ+ Rights: Same-sex marriage and homosexuality are legal and widely accepted.
• Alcohol Laws: The legal drinking age is 21. Open containers of alcohol in public are often prohibited, and laws vary by state.
• Driving Regulations: Seat belts are mandatory in most states. Speed limits are strictly enforced, and penalties for violations can be severe.
• Firearm Culture: The U.S. has a strong gun culture, but regulations vary by state. Make sure that you are in compliance with local laws regarding possession and use.
• Cultural Norms: S. residents value personal space and may consider standing too close as intrusive.

Familiarity with these customs and regulations can help you navigate interactions and experiences in the U.S. more comfortably.

Staying safe in urban and rural areas

Understanding potential risks and taking precautions can enhance your safety in the U.S. Here are key points to keep in mind:

• Crime: While the overall crime rate in the U.S. has decreased over the past year, remain vigilant, especially in urban areas.
• Terrorism: The threat of terrorism remains a significant concern, including risks from domestic terrorist groups and armed vigilante organizations.
• Protests and Demonstrations: These events can cause transportation disruptions and occasionally escalate into violence. Stay informed about local activities and avoid large gatherings if possible.
• Kidnapping Risks: Although rare, kidnapping for ransom is a concern, particularly near the U.S.-Mexico border.
• Natural Disasters: Certain areas of the U.S. are prone to natural disasters, such as earthquakes in California and hurricanes in coastal regions. Be aware of local risks and follow emergency preparedness guidelines.

By staying informed and taking appropriate precautions, you can significantly reduce potential risks during your travels.

Additional tips for traveling to United States

Here are key points to keep in mind regarding currency, taxes, natural events, and general travel tips in the U.S.:

• Currency: The official currency is the U.S. dollar (USD). Make sure you have access to cash or cards for transactions.
• Sales Tax: Unlike value-added tax (VAT) in other countries, the U.S. applies a state sales tax, which is added to the listed price of goods and services. Sales tax rates vary by state and may not apply uniformly to all items or services. State sales tax is non-refundable for visitors.
• Natural Events: Wildfires are increasingly common in the western U.S., often leading to temporary closures of tourist destinations, including national parks. Coastal travelers should monitor weather reports during the Atlantic hurricane season, which runs from June 1 to November 30.
• Protests and Demonstrations: These are most frequent in Washington, D.C., and cities in the northwest, such as Portland and Seattle. They can cause disruptions but are generally peaceful.
• Tap Water: Tap water is safe to drink across the United States, eliminating the need for bottled water in most areas.

Being aware of these details can help create a smoother and safer travel experience in the U.S.

Choose SafeTrip for your U.S. travel insurance

When traveling across the United States, having reliable travel insurance is essential to making sure you stay healthy and safe. SafeTrip's travel insurance for the U.S. offers coverage tailored to meet the specific needs of travelers exploring the diverse landscapes and attractions of the U.S. With robust medical coverage, emergency evacuation services, and 24/7 assistance, SafeTrip provides you with the confidence to fully enjoy your journey. Whether you're touring vibrant cities, embarking on outdoor adventures, or relaxing at coastal resorts, UnitedHealthcare Global's SafeTrip plans are designed to cover a wide range of activities.

Choose SafeTrip for your U.S. travel insurance to protect you against the unexpected every step of the way.