United States Travel Insurance Calculator

For a United States trip the tiers translate to dollars fast: the matrix below prices a US$2,000 trip at age 35 for one, two and four weeks. The calculator's default inputs — US$2,000 trip, 7 days, age 35 — land at $101.20 / $151.80 / $202.40 for Basic/Standard/Premium in the United States.

Duration scales roughly linearly for the United States: double the days, double the premium, which is why a month costs near four times the week. Baggage and delay cover ride along in every tier; the differences that matter for the United States are the medical and cancellation ceilings.

Set the United States medical floor at USD 100,000 — private-care invoices around Washington, D.C. escalate quickly, and consulates do not negotiate them down. Medical evacuation home from the United States can cost USD 50,000–200,000 by air ambulance, which is why the ≥USD 100,000 line is standard advice.

United States riders are also the place to cover rental-sports equipment and cruise-connection misses — cheap add-ons for specific itineraries. Delay benefits on United States policies usually trigger at 6–12 hours and pay a fixed amount — enough for a hotel night, not for the missed tour.

Stability requirements matter for the United States cover too: many insurers require pre-existing conditions to have been stable for 6–12 months before departure. United States claims adjusters deny incident reports involving intoxication without appeal — it is the most-cited exclusion in travel insurance generally. If your United States itinerary includes anything with a harness, a tank or a summit above 3,000 m, price the sports rider before comparing base premiums.

"Known events" — anything already in the news when you booked your United States trip — are excluded by name; buy insurance before the storm has a name. Mental-health treatment, ordinary dental work and pregnancy past 28 weeks sit outside standard United States coverage — read the schedule of benefits line by line.

Buy the United States policy the day you pay the first non-refundable deposit — that date unlocks the full cancellation clock and any pre-existing waiver. Compare the United States quotes on the deductible, not the premium: a $250 deductible at $151.80 a week can beat a $0 deductible at half again the price.

Before calling assistance in the United States, have your policy number, passport and location details ready — the hotline opens the file that authorises payment. If United States is one stop on a longer North America loop, a regional multi-country policy usually undercuts a stack of single-country certificates.