Travel Insurance for New York City
Overview of New York City
- New York city despite the title above is a city which really needs no introduction.
- Popularly known as 'The Big Apple', New York city houses the United Nations headquarters and is arguably the most cosmopolitan city in the world.
- New York city which is in New York state in the northeastern part of the United States of America has nearly 20 million residents and is the most populous city.
- The capital of New York state is not New York city but Albany, and to distinguish New York City from the state, the state is often referred to as 'New York State'.
- Both the state and city of New York were named for the 17th century Duke of York, future King James II of England.
Why Visitors Need Travel Insurance for New York City?
New York City is among the most frequently visited cities across the globe, with millions of tourist visits every year. The unique streets filled with activity and people, recognizable landmarks, and cultural and social diversity make New York City an iconic travel destination. All visitors should be aware of some challenges for traveling in such a busy city.
- High Medical Costs: Healthcare in NYC is extremely expensive. Even a minor illness or injury can result in hefty medical bills. Travel insurance ensures you are financially protected in case of emergencies.
- Crowded Environments: With so many visitors, crowded streets, public transport, and tourist attractions increase the risk of accidents or unexpected incidents.
- Weather Extremes: NYC experiences hot summers, cold winters, and occasional storms. These weather conditions can disrupt travel plans or create health risks.
- Travel Disruptions: Flight delays, cancellations, or lost baggage can happen at any time. Travel insurance provides coverage for trip interruptions and helps you recover quickly.
- Comprehensive Protection: A good travel insurance plan covers medical emergencies, trip cancellations, delays, lost or stolen baggage, and other unexpected events, giving you peace of mind throughout your trip.
Traveling with reliable travel insurance allows you to explore New York City confidently, knowing that unexpected events won’t ruin your trip.
What Visitors Need to Know About Healthcare in NYC?
Visiting New York City is exciting, but travelers should be aware that medical care in NYC is expensive and complex. Having the right travel insurance is essential to avoid unexpected costs.
Average Medical Costs in New York City
- ER Visit in NYC: Generally varies from $1,500–$3,000 for non-life-threatening issues.
- Ambulance Ride (FDNY / 911): Often $1,385–$1,692, plus $20 per mile and additional treatment fees.
- Urgent Care Visit: Usually $100–$150+, depending on tests and treatment needed.
- Specialist Consultation: Can range from $250–$400 without insurance.
- Prescription Medication: Common drugs may cost $30–$150+ out of pocket.
NY city health insurance can help you avoid these unforeseen financial surprises and allow you to access quality healthcare during the stay in New York City.
Major Hospital Networks in NYC
New York City ranks among the best cities in the US with its hospitals, which are famous for their excellent healthcare but also their exorbitant prices:
- Mount Sinai Health System
- NYU Langone Health
- NewYork–Presbyterian Hospital
These hospitals offer excellent care, but medical bills can be significant without proper insurance.
In-Network vs Out-of-Network Hospitals
- A network system is commonly used by hospitals in the U.S.
- In-Network: A larger part of the costs is covered by your insurance, therefore, your out-of-pocket expenses are lower.
- Out-of-Network: Policy may have restrictions or may be totally denied, resulting in extremely high bills.
Tip for Travelers: To be fully covered and have no surprises, select a travel insurance policy that has a network of NYC hospitals.
How Much Does Travel Insurance for New York City Cost?
US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly.
In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on
- Age of the traveler
- Insurance company
- Type of visitors insurance
- Coverage limits
- Whether pre-existing conditions are covered
Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.
Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.
How Much Does Cheap Visitor Insurance in the USA Cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.
| Plan Name |
Plan max range |
Deductible |
Age 35 |
Age 55 |
Age 75 |
| Safe Travels Advantage |
$25,000 - $150,000 |
$0 |
$19 - $54 |
$29 - $82 |
$59 -$160 |
| Visitors Care |
$25,000 - $100,000 |
$100 |
$25 - $44 |
$30 - $65 |
$66 - $152 |
| Safe Travels Elite |
$25,000 - $175,000 |
$0 |
$25 - $71 |
$36 - $110 |
$105 - $150 |
| Venbrook Essential |
$25,000 - $150,000 |
$0 |
$25 - $74 |
$36 - $105 |
$66 - $142
|
| Visit USA Budget |
$50,000 - $150,000 |
$250 |
$30 - $49 |
$42 -$74 |
$81
|
| VisitorSecure |
$50,000 - $130,000 |
$100 |
$31 - $55 |
$46 - $84 |
$93 - $135
|
| Travel Medical USA Visitor Basic |
$50,000 - $150,000 |
$100 |
$39 - $47 |
$56 - $68 |
$178 - $196
|
How Much Does the Best Comprehensive Visitor Insurance Cost per Month?
The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive.
On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name |
Plan maximum |
Age 35 |
Age 55 |
Age 75 |
| Visitors Preferred |
$50,000 - $1,000,000 |
$53 - $99 |
$123 -$231 |
$244
|
| Patriot America Plus |
$50,000 - $1,000,000 |
$57 - $106 |
$124 - $235 |
$279 - $420
|
| Safe Travels USA |
$50,000 - $1,000,000 |
$57 - $103 |
$123 - $227 |
$244 - $321
|
| Venbrook Premier |
$50,000 - $1,000,000 |
$58 - $104 |
$129 - $240 |
$352 - $437
|
| Safe Travels USA Comprehensive |
$50,000 - $1,000,000 |
$66 - $122 |
$143 - $269 |
$285 - $455
|
| SafeVista Protect |
$100,000 - $1,000,000 |
$76 - $97 |
$158 - $225 |
$320 |
| Diplomat America |
$50,000 - $1,000,000 |
$81 - $142 |
$176 - $303 |
$342
|
| Travel Medical Choice |
$50,000 - $1,000,000 |
$98 - $173 |
$186 - $333 |
$736 - $1,000
|
| Patriot America Platinum |
$1,000,000 - $8,000,000 |
$108 - $226 |
$240 - $494 |
$604
|
| Visit USA Superior |
$250,000 |
$112 |
$233 |
$404
|
Source:
American Visitor Insurance®
Get the Best Visitor Insurance Today!
Travel worry-free with the best visitor insurance from American Visitor Insurance. Compare top plans instantly and choose coverage that fits your needs and budget. Secure your policy today and stay protected abroad!
How Much Does 6-Month Medical Insurance for Visitors to USA Cost?
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
New Immigrants to New York and the Need for New Immigrant Insurance
- Migrating to a new city like New York and to a new country for better economic opportunities is inspiring; however it is very crucial that all new immigrants to the USA have US immigrant insurance on arrival.
- While the US offers its immigrants a world class health care system, it is also very expensive.
- Good US immigrant health insurance will provide coverage for medical expenses incurred in case of any injury or illness.
Buying US immigrant insurance is easy at American Visitor Insurance and New Immigrants can compare best immigrant medical insurance NYC plans for prices and benefits according to their specific needs.
The 24/7 customer support service by licensed agents will provide answers to all questions by the customers with instant policy documents by Email. Feel free to give us a call and one of our customer support licensed agents will be able to help you.
Travel Medical Insurance for Professionals Visiting New York
- The US in general and New York is particular has millions of immigrants and working professionals arriving from all around the globe to start a new life.
- New York City is one of the most cosmopolitan cities in the world.
- Its strong economy offers opportunities for industries, digital media, biotechnology, software, media and entertainment, marketing, finance and public administration and in the healthcare industry.
Why Professionals Need Immigrant Medical Insurance?
- Professionals working in New York should however be sure that they have good immigrant medical insurance.
- The US healthcare is expensive and visiting an US hospital without insurance is scary.
- A good immigrant medical insurance plan will provide coverage for unexpected medical emergencies that may occur while staying in the US.
American Visitor Insurance offers best health insurance for immigrants in USA with acute onset of pre-existing conditions coverage at the best price.
Student Health Insurance for International Students in New York City
Aspiring to study in the US is a dream for international students from all around the world. The universities in and around New York city and in the state of New York offer an all rounded education for students. New York City is undoubtedly one of the most preferred cities in the US.
- The NYC universities offer an unequalled multicultural environment, buzzing city life, good professional connections and exceptional opportunities to work in the country after graduating.
- NYU conducts several programs and events throughout the year to comfort the transition into student life and community development.
- Thousands of international students flock every year for higher studies in NYC and is home to the highest number of international students in the US.
- There are 17,000 international students and scholars from 140 countries.
Importance of Student Medical Insurance
International students can buy good international student medical insurance in New York cheaper than university plans with similar coverage.
Along with coverage for acute onset of pre-existing conditions, injuries from sports and other benefits, students can be confident of getting the student insurance plans at very affordable prices.
Things to Do in New York City, Travel Health Insurance NYC
Exploring Manhattan
Manhattan, one of the boroughs of New York is a city in itself. Alive 24 hours of the day, it has interesting sights at every intersection. Designed as a grid, it is easy to navigate and explore Manhattan.
There are many iconic buildings, museums, churches, shops, theatres, parks and much more to see in Manhattan. You can explore Manhattan by foot, take the subway of hop on the tourist bus, each having a charm of its own.
Central Park
It is one of the most breathtaking and celebrated attractions.
The fresh snowfall in the winter, the spectacular floral blossoms in springs, the steamy days of simmer, leaf-turning months of fall attracts a continuous stream of visitors from all over the world.
The High Line Guide
The highline has become a destination for sunbathing, sightseeing, snacking and viewing innovative art. Some of the attraction below the High Line is interactive inflatable park, a roller rink and beer gardens.
Summer visitors can enjoy food, beverages and treats from the likes of La Newyorkina, Blue Bottle Coffee, Melt Bakery, Sigmund's Pretzels and The Taco Truck.
Must Try Pizza
Pizza can be considered as New York City's official dish. A slice represents quick lunch for office goers who want grab it and eat while walking down the streets.
Slice is a rescue for visitors who look for quick and inexpensive snack between sightseeing stops. The best way to pick an argument between 2 New Yorkers is by asking where you get best slice.
TV Show Tapings
It is fun and free to attend popular TV shows recorded in New York City.
The wait for ticket in the queue can be longer so it is better to write them well in advance to reserve tickets. Many shows will have standby options if you are ready to wait in line.
Staten Island
This is an unspoiled paradise in the New York City which is well known for picturesque parks, kid friendly activities, coastline attractions.
There are several reasons which attract visitors to Staten Island such as greenest borough, more than 9,300 acres of parkland, the revolutionary war, rich history, abolitionist movement.
- New York City tourism attracts hundreds of thousands of travelers annually from all over the world.
- Those visiting New York for the first time or those frequent travelers must be aware of the extremely high cost of health care in NYC and the need for visitor insurance in case of a medical emergency.
Features of Visitors Health insurance New York City
- The Visitors Insurance Features section has resourceful information and informs you of the important factors that you should consider while buying visitor medical insurance.
- Travel insurance plans designed by American insurance providers for foreign visitors provide effective coverage and help the insured face the expensive health care system in the USA.
Travel Insurance For New York City Residents
- Whether you are just in for a quick shopping trip or are thinking of a longer stay, we can find the right policy for you! Try our Compare Visitor Insurance Tool to look at different policies and options.
- Plans are available for the short term so that visitors can buy insurance only for the days they spend outside New York. Do not risk an unforeseen medical bill, travel with peace of mind with good travel insurance during your trip to the US.
Statue of Liberty
The Statue of Liberty was France's gift to America. Built in 1886, it remains a famous world symbol of freedom and one of the greatest American icons.
Metropolitan Museum of Art
With over two million works spanning 5,000 years, The Met is the largest and most visited art museum in the U.S. It’s a cultural centerpiece and a top NYC attraction.
Empire State Building
The Empire State Building is one of New York’s most iconic landmarks. Topped with a mooring mast for airships, the Empire State Building became a landmark for NYC.
Travel Insurance New York, Tourist insurance New York – FAQs
There is no denying that travel insurance to New York City is sadly very expensive. The main reason for this is simply because the cost of healthcare in the New York City is very expensive and the travel insurance New York City costs are directly related to the healthcare costs.
One more factor for some New York City travel insurance plans to be very expensive is that there are specially designed travel insurance New York City plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
It's never too late to buy medical insurance for visitors to usa unless the traveler is already sick or injured. As long as the traveler is fine, health insurance to the visitors of New York City can be purchased at any time to provide coverage in case of future accident or illness.
There are a few policies for coverage in the New York City which have time limits on when you can purchase them since your latest arrival to the New York City. However, there are companies who do not mind how long you have been in the country, Find the best time to buy travel insurance
The best visitor insurance in New York City will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the New York City. While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage.
The price will be higher if you need health insurance for visitors to New York City with pre-existing conditions. It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance New York City
Yes, there are various travel insurance options for non-US citizens traveling to the US. American visitor insurance offers travelers some of the best New York City travel insurance choices that offer coverage for unexpected medical and travel events. For more details travelers can call the customer service or email and the team will be glad to help.
The cost of travel insurance for New York City depends on factors, such as:
- The age of the travelers
- The length of your trip
- The type of coverage you choose
- The deductible and co-payment options
- The insurance provider and plan you select
Travel insurance for NY city typically costs between 5% to 10% of the total trip cost depending on the plan you choose. Travelers can compare and get free quotes on American Visitor Insurance, a visitors medical insurance for New York City for a 50-year-old traveler can range from $2 to $5 per day, depending on the coverage limit and deductible. A travel insurance that covers trip cancellation, interruption, baggage loss, and medical expenses can range from $5 to $20 for the same traveler.
On American Visitor Insurance, visitors can easily compare visitors insurance and compare travel insurance based on the price as well as coverage details and buy the US travel insurance plan that is best suited to their needs.
Travel insurance is not mandatory for a trip to New York City, but it is wise to protect yourself from unforeseen risks and expenses given the very high cost of healthcare and all other expenses in NY city. Travel insurance can cover some of the following scenarios:
- You get sick or injured and need medical treatment or evacuation
- You have to cancel or cut short your trip due to an emergency or a covered reason
- You miss your flight or connection due to a delay or cancellation
- You lose your baggage or passport or have them stolen
- You face a legal liability or lawsuit for causing injury or damage to someone else
Travel insurance can give you peace of mind and financial security in case something goes wrong during your trip.
On American Visitor Insurance, tourists to NY city should compare visitors insurance and compare travel insurance based on the price as well as coverage details and buy the US travel insurance plan to find the best one for your needs and budget.
Travel insurance for New York City typically covers some or all of the following:
- Medical expenses: This covers the cost of medical treatment or evacuation if you get sick or injured during your trip. Some plans may also cover dental expenses, prescription drugs, or repatriation of remains.
- Trip cancellation and interruption: This covers the non-refundable prepaid expenses of your trip if you have to cancel or cut short your trip due to an emergency or a covered reason, such as illness, death of a family member, jury duty, etc. Some plans may also cover trip delay or missed connection expenses.
- Baggage loss and delay: This covers the cost of replacing or repairing your baggage or personal items if they are lost, stolen, damaged, or delayed during your trip. Some plans may also cover baggage delay expenses, such as the cost of buying essential items until your baggage arrives.
- Travel documents and money: This covers the cost of replacing your passport, visa, tickets, or other travel documents if they are lost, stolen, or damaged during your trip. Some plans may also cover the loss of cash or travelers checks.
- Accidental death and dismemberment: This covers the payment of a lump sum amount to you or your beneficiary if you die or suffer a loss of limb or sight due to an accident during your trip.
The coverage limits of travel insurance for New York City varies depending on the provider and travel insurance plan selected.
Yes, most US travel insurance plans cover emergency medical expenses in New York City, up to a certain limit and subject to certain exclusions. Medical expenses can include the cost of medical treatment or evacuation if you get sick or injured during your trip.
However, you should be aware that:
- Travel insurance does not cover routine or preventive care, such as check-ups, vaccinations, or physical exams.
- Travel insurance usually does not cover pre-existing medical conditions, or might cover an acute onset of a pre-existing condition.
- Travel insurance does not cover expenses related to pregnancy, childbirth, or abortion, unless they are due to a complication or an emergency.
- Travel insurance does not cover expenses related to mental or nervous disorders, substance abuse, or suicide attempts.
- Travel insurance does not cover expenses related to cosmetic or elective surgery, unless they are medically necessary due to an accident.
Travelers should also keep all the receipts and documents related to your medical expenses and contact your insurance provider as soon as possible in case of a claim.
Yes, US travel insurance plans with trip cancellation or interruption coverage for New York City will cover these expense, up to a certain limit and subject to certain exclusions. Trip cancellation or interruption can include the non-refundable prepaid expenses of your trip if you have to cancel or cut short your trip due to an emergency or a covered reason. Some plans may also cover trip delay or missed connection expenses.
However, you should be aware that:
- Travel insurance does not cover cancellations or interruptions due to a change of mind, a pre-existing medical condition, a pandemic, a war, a terrorist attack, or a natural disaster, unless you have a specific rider that covers them.
- Travel insurance does not cover cancellations or interruptions due to a work-related reason, unless you have a specific rider that covers them or you can provide proof of involuntary job loss.
- Travel insurance does not cover cancellations or interruptions due to a visa denial, unless you have a specific rider that covers them or you can provide proof of timely and complete visa application.
- Travel insurance does not cover cancellations or interruptions due to a travel advisory or warning, unless you have a specific rider that covers them or you can provide proof of unavoidable and unforeseeable circumstances.
Yes, most US travel insurance plans with trip cancellation coverage will reimburse you for lost baggage in New York City, up to a certain limit and subject to certain exclusions. Lost baggage can include the cost of replacing or repairing your baggage or personal items if they are lost, stolen, damaged, or delayed during your trip. Some plans may also cover baggage delay expenses, such as the cost of buying essential items until your baggage arrives.
This depends on the insurance provider and plan you select. Some travel insurance companies allow you to purchase travel insurance for New York City if you are already in the city, but they may have some restrictions or limitations, such as:
- A waiting period before the coverage starts, usually 24 to 72 hours
A reduced coverage limit or benefit amount
- A higher premium or deductible
- A proof of health or medical examination
- An exclusion of pre-existing medical conditions or any illness or injury that occurred before the purchase
- Other travel insurance companies may not allow you to purchase travel insurance for New York City if you are already in the city, as they may consider it a high-risk or fraudulent situation.
More FAQs About Short Term Health Insurance in NYC »
Visitor Insurance for New York City
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Visitor Insurance Resources
Short temporary health insurance new york city resources.
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Factors for Vacation Insurance
Factors to consider the best NY city health insurance.
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Types of New York Tourist Insurance
Different types of short term health insurance in New York.
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Insurance Claims Procedure
Claims process for the best medical insurance in New York.
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Travel Insurance for Domestic Trips in the US
Should I Get Travel Insurance for Domestic Travel Within the U.S., Even When Visiting New York City?
If you are planning to travel anywhere outside your state, travel insurance is strongly recommended. Even if you do have health insurance, many health plans have limits on coverage when you are out of your local geographic area and/or may not cover you at all when in another state in an emergency.
We offer travel insurance coverage for domestic trips 100 miles or more from home, with coverage extending to all states, including, but not limited to, destinations such as Hawaii, Florida, or Alaska.
While travel insurance covers emergency medical expenses, it can also help reduce the out-of-pocket costs when using healthcare facilities within the PPO network. Many travel insurance policies also cover other benefits, such as trip interruption or cancellation, lost or delayed baggage, and 24/7 assistance when traveling anywhere in the United States, which can give you added comfort on any trip.
Domestic Travel Insurance for Your Trip to New York City
- Irrespective of whether you are traveling within the other U.S. states, New York City travelers should have good domestic travel insurance coverage for their trips.
- Residents traveling more than 100 miles from their primary residence can purchase U.S. domestic trip protection insurance.
- This coverage is ideal for trips within New York City and for travel outside the state.
✈️ Travel Disruptions in New York City
- NYC's main airports including JFK, LaGuardia, and Newark Liberty often have flight delays that happen frequently, mainly because of the heavy air traffic, bad weather, and long security checks.
- Lost or delayed baggage, missing connections, or transport being interrupted can have an impact on the journey, particularly in a crowded area like New York City.
- Unexpected trips or medical emergencies may lead to missed tours, hotel bookings, or even the need for medical evacuation to a top hospital in NYC. Travel insurance helps safeguard against these risks.
💰 Financial Loss & Trip Cancellations
- Traveling to New York City is usually a costly affair—Broadway, Statue of Liberty, and observation decks are some of the things to do in NYC which can get expensive while popular places like Times Square or Central Park can increase your overall expenses a lot.
- Unexpected cancellations due to illness (yours or a family member’s), work obligations, or other uncontrollable events can result in major financial losses.
- Plans offering Cancel for Any Reason (CFAR) provide the highest flexibility for travelers visiting NYC.
🏥 Health & Medical Emergencies
Along with travel disruptions, there is also the health of the traveler during the journey itself. An accident or an unanticipated health emergency while traveling will be covered by travel insurance even if one has regular health insurance.
The Best domestic travel insurance in New York can serve as secondary insurance, and in some cases as primary insurance, ensuring out-of-pocket expenses are minimized.
Which Is the Cheapest New York City Domestic Trip Insurance Plans?
The Cheapest domestic travel insurance for New York City trips within the US is Pathway domestic insurance.
Other affordable domestic travel insurance for New York Trips include Trip Protection Economy, and Travelex Advantage insurance.
These plans offer essential coverage at low cost, making them ideal for U.S. residents seeking budget-friendly protection for travel within the country.
$19 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
Buy Online »
$26 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $10,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $10,000
- Medical evacuation up to $100,000
Buy Online »
$36 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $10,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $50,000
- Medical evacuation up to $250,000
Buy Online »
Additional cheap trip insurance plans for New York are:
- iTravelInsured Choice: Affordable trip protection insurance from IMG covering trip cancellations, interruptions, delays, and lost baggage. Coverage up to $10,000.
✅ Includes enhanced medical coverage, cruise protection, and sports coverage, making it ideal for family vacations and road trips. (Cancel for Any Reason is not available for New York residents.)
- Safe Travels Protect: Budget-friendly travel insurance plan offering essential protection for trip cancellations, interruptions, and emergency medical expenses within the U.S. Coverage up to $14,000.
✅A simple and affordable plan offering solid coverage for cancellations, delays, and medical emergencies, ideal for budget-conscious domestic travelers.
- Pathway Essential: An affordable trip cancellation insurance option that covers the basics trip cancellations, interruptions, delays, and emergency medical care offering up to $14,000 in protection. Perfect for budget-minded travelers who want dependable coverage at the lowest cost..
✅ Budget-friendly plan that provides reliable coverage for trip cancellations, delays, and medical emergencies perfect for cost-conscious travelers.
What Are the Best Domestic Travel Insurance Plans for New York City?
The Best domestic travel insurance for New York residents is iTravelInsured Travel LX.
Other top-rated options include Pathway Premium and Travelex Ultimate Insurance.
These plans provide comprehensive coverage with features such as:
- Higher trip limits
- Robust emergency medical benefits
- Optional Cancel for Any Reason (CFAR)
- Additional travel protections
Ideal for travelers seeking maximum coverage and peace of mind within the USA.
$43 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $100,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $100,000
- Medical evacuation up to $1,000,000
Buy Online »
$57 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $50,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $1,000,000
Buy Online »
$102 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $150,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $500,000
- Medical evacuation up to $1,000,000
Buy Online »
Additional top domestic trip insurance plans are:
- Trip Protection Elite: The best trip plans for NY residents traveling to the USA offer comprehensive travel insurance that provides protection for trip cancellations, interruptions, missed connections, and lost baggage, with coverage up to $30,000.
✅ Includes optional Cancel for Any Reason (CFAR), Cancel for Work Reasons, Lost Ski Days & Equipment Rental and Rental Car Damage.
- Trip Protector Preferred: Premium domestic travel insurance plan offering coverage for trip cancellations, delays, baggage loss, and emergency medical expenses within the U.S. Coverage up to $50,000.
✅ Includes 24/7 concierge assistance and access to a nationwide medical network, ideal for frequent travelers.
- Travel Insurance Select Elite: Top-tier domestic travel insurance plan providing protection for trip cancellations, interruptions, delays, and emergency medical coverage across the U.S. Coverage up to $100,000.
✅ Includes optional Cancel for Any Reason (CFAR) upgrade and pre-existing condition waiver for added flexibility.
Which Is the Best Trip Cancellation Insurance for New York Residents?
Trip Protection Elite is a premium travel insurance plan designed specifically for residents of New York. This plan provides comprehensive protection for trip cancellations, interruptions, missed connections, and lost baggage, and also includes Cancel for Any Reason (CFAR) coverage, giving travelers flexibility to cancel their trip for reasons not covered by standard plans.
You are covered when traveling inside and outside of the United States. With coverage limits up to $30,000, Trip Protection Elite ensures peace of mind for travelers seeking maximum flexibility and protection.
Optional and Key Benefits Include:
- Cancel for Any Reason (CFAR): Reimburses 75% of your non-refundable trip cost and rental car damage
- Air Flight Only Accident Coverage: Options for $100,000, $250,000, or $500,000.
- Cancel for Work Reasons: Covers 100% of your non-refundable trip cost.
- Lost Ski Days & Equipment Rental: Up to $1,000 ($500 for ski days / $500 for equipment).
- Lost Golf Rounds & Equipment Rental: Up to $1,000 ($500 for golf / $500 for equipment).
Can New York Residents Get Cancel for Any Reason Coverage?
Yes. Trip Protection Elite offers Cancel for Any Reason (CFAR) coverage specifically for residents of New York. This optional benefit allows you to cancel your trip for reasons not covered by standard travel insurance, reimbursing up to 75% of your non-refundable trip cost. Coverage applies whether you are traveling inside or outside the United States, giving travelers maximum flexibility and peace of mind.
Why Do I Need Medical Evacuation Insurance for Travel Within the US?
Domestic travel insurance for medical evacuation is quite cheap in the context of the total trip cost and is very important to get access to quality healthcare. This coverage protects US travelers who are traveling far from New York City whether on a cruise or in remote areas like national parks and mountain ranges and in need of emergency medical care. Regular US health plans will not cover costly air ambulance transport, making emergency medical evacuation coverage essential.
🗺️ Annual Travel Insurance for Travel Within USA from New York City
Voyager Annual insurance by Travel Insure
Designed for U.S. citizens or permanent residents who travel frequently for business or pleasure
- Take an unlimited number of covered trips during the 364 day Policy period
- Covers domestic and international trips - up to 90 days each
- Offers two plan levels namely Silver and Gold offer options for different needs and budgets
- Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment
- The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation
Enroll just once a year and enjoy peace of mind knowing you have dependable medical coverage and assistance whenever you travel more than 100 miles from home. Go anywhere in the world, as often as you like, up to 90 days at a time during the year with Voyager Insurance.
Travel Insurance Eligibility Rules for Travelers in New York City
LIMITATION: You cannot purchase Atlas plans if you are physically located in New York City at the time of purchase.
However, the plan can be purchased after you leave New York City, such as upon arrival in the U.S. or another state/country.
LIMITATION: Travelers physically in New York City cannot purchase these plans. They must be purchased from outside New York City.
LIMITATION: Seven Corners plans can be purchased, but they do not accept a New York City residential address. Customers may use their overseas home-country address instead.
LIMITATION: IMG plans can be purchased, but they do not accept a New York City residential address. Customers may provide their foreign home-country address during application.
Popular Outbound Destinations for New York Travelers
