Do I need travel insurance for United States?

Travel insurance is strongly recommended for United States. Healthcare costs for uninsured visitors can run into tens of thousands of dollars.

How much travel insurance coverage do I need for United States?

For United States we recommend a minimum of USD 250,000 in medical coverage, plus trip cancellation and emergency evacuation cover.

What is the emergency number in United States?

In United States the emergency number is 911 (police, fire, ambulance).

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United States Travel Insurance: Cost, Coverage & Requirements (2026)

Travel insurance for United States: recommended minimum USD 250,000 medical cover, emergency number 911 (police, fire, ambulance), insurance is strongly recommended though not legally required.

The United States has the highest healthcare costs in the world. A single ER visit averages USD 2,600, an overnight hospital stay routinely exceeds USD 10,000, and air ambulance transport can top USD 50,000 — making travel insurance essential.

Common travel risks in United States

Catastrophically high medical bills — even minor treatment costs thousands
Tornadoes (Central states, April–June) and hurricanes (Atlantic and Gulf coasts, June–November)
Gun-related incidents in urban areas — small but real risk
Wildfire smoke and air-quality emergencies in the West each summer

Safety tips for visiting United States

Buy insurance with at least USD 250,000 medical coverage — USD 100,000 is the absolute minimum
Activate a US data SIM or eSIM on arrival for 911 GPS dispatch
Keep your insurance card and passport copy separate from originals
Tip 18–22% — disputes over service charges can escalate quickly

Related United States resources

United States passport photo United States visa photo United States photo checker