Get travel health insurance for your USA trip

How to Book Your Travel Insurance for the USA

• CNEWYORK offers travel insurance designed specifically for trips to the United States. See all the details below.
• To purchase this insurance, click here!

Why Do You Need Travel Insurance for the USA?

• Travel insurance for the United States isn’t the most exciting part of planning a trip to the USA. Yet it’s essential. The American healthcare system works very differently from European systems.
• If you’re a European citizen and face a health issue during a trip to London, Rome, or anywhere else in the European Union, you’ll receive care with little or no cost. Medical expenses are covered by your national health system or private insurance, depending on the type of care. The 27 EU countries and Switzerland have agreed to coordinate their social security systems. You just need to present your European Health Insurance Card (EHIC).
• The USA is a different story. Although an agreement exists between the European Union and the USA on social security, it’s nothing like the agreement between European countries. The key difference: there’s no coordination of healthcare costs. Your European Health Insurance Card is not valid in the USA.
• This means that without travel insurance, any medical expenses you incur in the United States are entirely your responsibility. And US healthcare costs are extremely high. A simple emergency room visit easily reaches $1,000. Treatment for a broken bone with X-rays and a cast runs several thousand dollars. An appendectomy costs between $15,000 and $30,000, depending on the hospital.
• It’s essential to check your health coverage and, if needed, purchase travel insurance. Of course, we hope you won’t need it—that’s the whole point of insurance.

Which Travel Insurance Should You Choose for the United States?

• Since CNEWYORK was founded in 1999, we’ve received countless questions and feedback from travelers about travel insurance. It’s clearly a major concern given the costs involved if something goes wrong. Based on all this experience, we’re highlighting an insurance plan that consistently ranks as the most popular year after year.
• It’s the Cap Assistance 24/24 plan, which you can purchase directly here.
• Tip: This plan covers the entire United States. You can purchase it for a trip to New York, a California road trip, a getaway to Miami, or anywhere else in the country.
• Important: Travel insurance for the USA must be purchased at least 24 hours before your departure date.

Cap Assistance Plan Requirements

1. You must be a citizen of an EU member state (including overseas territories) or Switzerland. Applicants from other countries will be rejected.
2. You must be under 80 years old.
3. You must be enrolled in a social security system.
4. Your trip to the United States must last 90 days or less. This plan is for tourists and business travelers visiting the USA for less than 3 months, whether on an ESTA or visa. See our page on US entry requirements.
5. You must purchase this plan at least 24 hours before your departure date.

What Does Cap Assistance Travel Insurance Cover?

• Below is a summary table of the main coverage offered by Cap Assistance travel insurance available on our site. Medical expense coverage is sufficient to handle an urgent surgical procedure in the USA. You also get repatriation assistance and coverage if you need to stay longer than expected.
• In practice, you’ll pay upfront for consultations or hospital stays under 24 hours, then the insurer will reimburse you upon receipt of receipts and invoices. For hospital stays over 24 hours, contact the insurer’s assistance team through their app. Everything is explained in the confirmation you’ll receive.
• Cap Assistance also includes useful coverage for baggage and flight problems. Note the particularly high liability coverage limit in the USA for property damage or loss. This protection applies if, for example, you’re responsible for a traffic accident or property damage. You’ll be fully covered for your USA trip!
• The assistance provider is AXA, a French insurance company.

Insurance Plan	Cap Assistance 24/24
Medical expense coverage	Up to €1,000,000.
Emergency dental care	Maximum €300.
Repatriation assistance	Yes.
Telemedicine consultation	Up to 2 consultations.
Extended stay due to illness	€80 per night, maximum 10 nights.
Baggage loss and theft insurance	Reimbursement up to €3,000.
Baggage delay compensation	Maximum €300 (outbound only).
Flight delay expenses	Reimbursement up to €250.
Legal fees abroad	Maximum €3,000.
Search and rescue expenses	Reimbursement up to €10,000.
Liability coverage abroad	Up to €4,500,000.

Frequently Asked Questions

Is travel insurance required to visit the USA?

No, travel insurance is not required to enter the United States, unlike certain entry requirements. You can absolutely travel to the USA without it. However, we strongly advise against it. If you have an accident or sudden illness—such as appendicitis—you’ll bear the full cost of very expensive medical care. The small amount you might save by skipping insurance could cost you far more if something goes wrong. It’s better to be covered in the USA.

Can you buy travel insurance after you've already arrived in the USA?

Yes, but insurers apply waiting periods and exclusions of varying lengths. In other words, the insurance won’t take effect for several days, leaving you unprotected during that time. To avoid problems, always purchase your travel insurance before you leave. Don’t wait until the last minute to arrange USA travel insurance.