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Travel insurance USA |
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#1 |
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Forum Member
Join Date: Jul 2006
Location: norn iron
Posts: 1,492
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Travel insurance USA
I have travelled to Europe quite frequently with standard family travel insurance,is the insurance any different when going to USA.
Thanks |
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#2 |
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Forum Member
Join Date: Jul 2012
Location: Utopia
Posts: 10,162
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Yes it is usually more expensive.
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#3 |
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Forum Member
Join Date: Oct 2010
Location: Crosby
Posts: 1,650
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Choose "worldwide" instead of Europe (obv) and yes it's more expensive. You may want to look into getting a yearly policy instead of a single trip if going there more than once in a year.
European travel insurance will not cover you in the USA. Don't be tempted to travel without insurance, the medical bills can run into tens of thousands of dollars. |
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#4 |
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Forum Member
Join Date: Jul 2012
Location: Utopia
Posts: 10,162
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Quote:
Choose "worldwide" instead of Europe (obv) and yes it's more expensive. You may want to look into getting a yearly policy instead of a single trip if going there more than once in a year.
European travel insurance will not cover you in the USA. Don't be tempted to travel without insurance, the medical bills can run into tens of thousands of dollars. Just use a comparison site, and make sure the policy suits your needs, you will need at least £1 million of medical cover...though these days most start at £5 million. |
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#5 |
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Forum Member
Join Date: Oct 2008
Posts: 1,124
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Check how much dental cover you get- very often only a small amount is covered.
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#6 |
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Forum Member
Join Date: Mar 2013
Posts: 9,202
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Quote:
Check how much dental cover you get- very often only a small amount is covered.
Saves a few quid. |
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#7 |
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Forum Member
Join Date: May 2005
Posts: 59,684
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Quote:
Be careful with just choosing Worldwide, you need to make sure it's Worldwide incl USA, Canada and the Caribbean.
Just use a comparison site, and make sure the policy suits your needs, you will need at least £1 million of medical cover...though these days most start at £5 million. |
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#8 |
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Inactive Member
Join Date: Mar 2003
Location: London, United Kingdom
Posts: 19,783
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Quote:
Be careful with just choosing Worldwide, you need to make sure it's Worldwide incl USA, Canada and the Caribbean.
Just use a comparison site, and make sure the policy suits your needs, you will need at least £1 million of medical cover...though these days most start at £5 million. |
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#9 |
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Forum Member
Join Date: Jul 2012
Location: Utopia
Posts: 10,162
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Quote:
With the cost of healthcare in the US, £1m is peanuts. I'd look for a policy with £10m at a minimum.
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#10 |
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Inactive Member
Join Date: Mar 2003
Location: London, United Kingdom
Posts: 19,783
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Quote:
You think? Not sure what the current state of play is but only about 3-4 years ago the highest ever claim for medical expenses via an insurance policy was just under £900,000...and that wasn't in the US....so a million should be enough, but most now start at £5 million anyway which is more than enough.
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#11 |
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Forum Member
Join Date: Jul 2012
Location: Utopia
Posts: 10,162
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Quote:
Where did you get that figure from? I'd be surprised if it were that low. The US is a country where they charge you for using a tissue while you're in hospital. Treatment for some conditions is increadibly expensive. It's the number one cause of bankruptcy in the US.
The figure stuck with me more, because I thought it would be higher as well...but it was to highlight the fact about some companies offering high figures of medical cover when it didn't need to be, and consumers glossing over other parts of the policy. It was a few years ago, so it might have changed since then...also the other thing as well it might have been the highest claim from someone in the UK. But most polices start at £5 million these days and that is more than enough. |
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#12 |
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Forum Member
Join Date: May 2009
Location: Edinburgh
Posts: 9,454
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Quote:
Where did you get that figure from? I'd be surprised if it were that low. The US is a country where they charge you for using a tissue while you're in hospital. Treatment for some conditions is increadibly expensive. It's the number one cause of bankruptcy in the US.
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#13 |
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Forum Member
Join Date: Jul 2012
Location: Utopia
Posts: 10,162
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Quote:
Where did you get that figure from? I'd be surprised if it were that low. The US is a country where they charge you for using a tissue while you're in hospital. Treatment for some conditions is increadibly expensive. It's the number one cause of bankruptcy in the US.
https://www.goodtogoinsurance.com/tr...eatment-abroad |
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#14 |
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Inactive Member
Join Date: Mar 2003
Location: London, United Kingdom
Posts: 19,783
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Quote:
Actually according to this site...the highest claim is a lot less than I said at only £148,000 which was for Canada.
https://www.goodtogoinsurance.com/tr...eatment-abroad |
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