Travel Insurance for New York
New York - The Empire State
New York is called the Empire State because it has a lot to offer. It is one of the biggest and busiest states in the US with almost 20 million people living there. Most of them live in New York City which is famous for all over the world. The state has many different kinds of places. You can find big cities full of tall buildings, peaceful mountains, green farms and nice lakes. There are also beaches and Long Island where people love to relax.There are famous cities near New York City are Buffalo, Rochester, Albany and Syracuse. Each city has its own special things to see and do.
New York is important for business, fashion, media and technology. Wall Street in New York City is where a lot of money and business deals happen. The state also has many schools, hospitals and factories.
People from many countries live in New York making it a very diverse place with many cultures and foods. It has a rich history from Native American times to being a key part of America’s story.Traveling around New York is easier than in very large states because it’s smaller but it’s still good to plan your trips. Whether you like busy cities, nature, history and art, New York has something for you. The state’s motto is “Excelsior” which means “Ever Upward”. It shows that New York is always growing and moving forward and welcoming people who want to chase their dreams.
Why is health insurance for New York is important for visitors?
Having health insurance is important foreign visitors, international students, or parents traveling to New York, where the healthcare cost is very expensive. Without insurance, even a routine medical treatment can lead to significant finical strain. An emergency room visits is average around between $250 and $350, hospital stays can easily run into thousands of dollars an ICU stay after a stroke can exceed $150,000 and treatment for a heart attack may cost at least $25,000. Even diagnostic tests like an echocardiogram can cost between $1,500 and $4,000 Visitors are not eligible for US government health programs like Medicare or Medicaid and domestic insurance plans usually require residency or citizenship.
Traveling to New York insurance helps cover sudden illnesses, accidents, hospital stays, and even the acute onset of pre-existing conditions which is important for elderly parents. Most plans also include medical evacuation, and access to large PPO networks such as United Healthcare and First healthcare. For students attending New York universities or families visiting loved ones in cities like New York City, Hempstead town and Brookhaven, having vacation insurance for New York ensures access to quality care and reduce the stress of high medical bills.
How much does visitor health insurance USA cost?
Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.
Why is travel insurance USA is so important? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.
How much does cheap visitor insurance in USA cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans.
The cost of visitor insurance is calculated based on one-month quotes.
| 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 | $19 - $41 | $29 - $62 | $64 - $144 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| 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 factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $58 to $108 per month for a 35 year old traveler.
The cost of best visitor health insurance for visitors to USA is based on one-month quotes with a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| 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 |
| VenbrookPremier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| 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 |
Visitor health insurance for USA
Review US visitor insurance plan benefits.
How much does 6 month medical insurance for visitors to USA cost?
For a 60 years old traveler, the cost of USA visitor insurance for extended stay typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The best 6 month USA travel insurance which is affordable, reliable and essential depends on the age, medical needs, and traveler’s budget. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
What are the types of New York travel insurance plans?
| Feature | Fixed Benefit visitors insurance | Comprehensive visitors insurance |
|---|---|---|
| Cost | Affordable with lower premiums | More Expensive due to extensive coverage |
| Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| Flexibility | Offer flexibility in choosing doctors and hospitals within a PPO network | Limited flexibility in choosing doctors and hospitals |
| Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| Recommended for | Budget conscious travelers who only need basic coverage | Travelers who want comprehensive coverage for any medical needs |
US travel insurance types
Compare fixed benefit vs comprehensive plans to find the best visitors insurance for your trip.
Click here to read more »Which is the cheapest visitor health insurance for New York?
The cheapest visitors insurance for New York are Safe Travels Advantage from Trawick International. Other affordable health insurance for visitors to New York are Venbrook Essential from Venbrook International and Visitors Care from IMG.
Safe Travels Advantage
Trawick International
$20 PER MONTHAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$25 PER MONTHAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
Which is the best visitors insurance New York?
Excellent question! Given the unique needs of different travelers there is not one US travel insurance plan that is always the best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition.
Patriot America Plus IMG
- Patriot America Plus is a comprehensive short-term travel insurance for individuals and families visiting the USA.
- Direct Billing: First healthcare
or United HealthCare 
- Urgent Care: $30 per incident; no copayment if deductible is $0
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Up to $1,000,000
- Patriot America Plus cost for 40 year old traveler ranges from $52 to $169 for a month.
Policy maximum?
$50,000 to $1,000,000Deductible options?
$0 to $2,500Period of coverage?
5 days to 12 months
Atlas America WorldTrips
- A popular comprehensive travel insurance plan for non-U.S. citizens visiting the United States.
- Direct Billing: Unitedhealthcare
- Urgent Care: 15 per incident; no copayment if deductible is $0.
- Maternity: Covers complications of pregnancy in the first 26 weeks
- Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 80 years
- Emergency medical evacuation: Up to $1,000,000
- Atlas America Insurance cost for 40 year old traveler ranges from $46 to $216 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period of coverage?
Up to 364 days
Safe Travels USA Comprehensive Trawick International
- Safe Travel USA Comprehensive is an affordable travel insurance with pre-existing conditions for Non US residents/citizens visiting USA.
- Direct Billing: First HealthCare
- Urgent Care: $30 per incident; no copayment if deductible is $0
- Maternity: Emergency medical treatment for pregnancy, up to $1,000
- Acute onset of pre-existing conditions: Up to 89 years
- Safe Travels USA Comprehensive cost for 40 year old traveler ranges from $55 to $204 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period of coverage?
5 days to 364 days
Visitors Protect IMG
- Visitors Protect is a top comprehensive travel insurance plan with pre-existing conditions for travelers to the U.S., Canada, and Mexico.
- Direct Billing: First healthcare or Unitedhealthcare
- Urgent Care: 15 per incident; no copayment if deductible is $0
- Pre-existing conditions: Up to 99 years
- Minimum purchase is 90 days
- Visitors Protect Insurance cost for 40 year old traveler ranges from $300 to $750 for 3 months.
Policy maximum?
$50,000 and $250,000Deductible options?
$250 to $5,000Period of coverage?
Minimum purchase 90 days
Venbrook Premier Venbrook International
- Venbrook Premier is ideal for non-U.S. residents visiting the United States who are seeking comprehensive travel medical insurance with higher coverage limits.
- Urgent Care: $30 copay if the $0 deductible is chosen
- Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 70 years
- Emergency medical evacuation: Up to $1,000,000
- Venbrook Premier Insurance cost for 40 year old traveler ranges from $40 to $140 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period of coverage?
5 days to 12 months
Traveling to New York? Stay protected against any border entry issues!
Border entry issues at the US border can be unpredictable. Our Border entry protection visitor insurance covers unexpected delays, denial of entry, and related travel disruptions. Protect your US travel investment with specialized border entry insurance available on American Visitor Insurance.
Which is the best visitor insurance with pre-existing conditions for New York?
Many older travelers who are visiting New York are likely to have pre-existing medical conditions. It is very important for senior citizens to buy good visitor medical insurance with best available coverage for pre-existing conditions.
While many travel medical insurance plans do not cover any pre-existing conditions, some visitor insurance plans provide coverage for acute onset of pre-existing conditions, while there are a couple of plans with coverage for pre-existing conditions.
"Acute onset of pre-existing conditions" refers to the condition which is severe enough to life or lifestyle such that it must be taken care of right away and cannot wait until returning to one’s home country. Senior citizens should understand these coverage definitions well and buy the most appropriate visitor medical insurance with pre-existing conditions for their unique needs.
Get quote »Best cashless travel insurance for New York
When you're traveling to New York, dealing with a sudden medical emergency is traumatic enough. Having Cashless US travel insurance will help you settle these issues without worrying about paying huge bills upfront.
With a cashless US visitor insurance, the insurance company will directly settle the eligible medical expenses with the hospital and you can just focus on getting well while not worrying about the finances.
Find the most reliable, affordable, and widely accepted cashless insurance for travel to USA
What factors influence the cost of health insurance for visitors in New York?
The visitor health insurance New York cost is influenced by several factors, such as:
- Age of the traveler: The visitors insurance New York cost is directly dependent on the age of the traveler. Older travelers pay higher premiums due to the increased risk of medical issues.
- Medical maximum coverage: Plans with higher coverage limits (e.g., $100,000 to $1,000,000) tend to cost more.
- Type of insurance: Comprehensive plans (covering a wide range of medical services) are more expensive than fixed benefit plans which have specific limits for each treatment.
- Duration of stay: The cost of the travel insurance directly depends upon the length of travel.
- Deductibles: Plans with higher deductibles are cheaper but require higher out-of-pocket expenses.
- Add-on benefits: Additional coverage like for pre-existing conditions or adventure sports increase the premium.
What are the top 5 mistakes travelers make when buying New York travel insurance?
- Waiting till the last minute to buy visitors insurance
Waiting too long can limit your coverage benefits especially if you need coverage for the acute onset pre-existing condition, which requires early purchase. - Buying the cheapest plan without understanding policy limitations
Affordable travel insurance USA plans offer limited benefits that doesn’t align with New York high healthcare expenses. Where an ER visit can cost over $750 and hospital stays may exceed $3,700 per day without insurance. - Overlooking for pre-existing condition coverage
Many visitors, particularly seniors, may have ongoing health concerns. Not choosing a right plan that includes acute onset of pre-existing condition coverage can leave you exposed to major medical expenses. - Ignoring the importance of provider networks (PPO network)
Plans that have a strong PPO network (such as United Healthcare and First healthcare) make it easier to access leading hospitals and reduce medical costs in big New York cities like Los Angeles, San Francisco, and San Diego. Getting care outside the network can be more expensive and less convenient. - Reviewing COVID-19 coverage details
Since New York is a busy and popular travel destination, ensure that your policy will cover COVID-19 as any other sickness, including treatment and hospitalization.
How do I choose the right New York visitor insurance?
Traveling to the USA is exciting, however, it should be noted that the US healthcare system is one of the most expensive in the world. Without adequate visitors medical insurance, a medical emergency can cause very significant financial strain, in the order of tens to even hundreds of thousands of Dollars. To ensure you have the right health protection, here are key factors to consider when buying New York health insurance for visitors:
- Medical coverage: Choose a comprehensive plan for full coverage for medical emergencies, hospitalization, doctor visits etc.., as it offers better protection when compared to fixed-benefit plans which have limited coverage.
- High coverage limits: Given the high US medical costs, choose a plan with a sufficient coverage of between $100,000 to $500,000 for emergency medical expenses. It is in this context that there are visitors insurance plans in the US which offer coverage of $1 million.
- Deductibles: Compare the premium rates with coverage benefits. Also, be aware of the deductibles and Co-insurance for the amount you must pay out of pocket before the insurance kicks in. A lower deductible has higher expenses initially, but might save a lot of money in a medical emergency.
- Emergency medical evacuation & repatriation: Travel health insurance for New York covers emergency evacuation to the nearest suitable facility or repatriation home if needed, ensuring protection in case of severe illness or injury.
- Coverage for pre-existing conditions: If you have any pre-existing medical conditions, check if the plan covers acute onset of these ailments and the look-back period if any. Some plans on American Visitor Insurance offer limited coverage for unexpected recurrence of an existing ailment.
- Network of hospitals & direct billing: Some US insurance providers work with a network of hospitals that offer cashless or direct billing services. This is very helpful in avoiding large out-of-pocket expenses particularly during emergencies.
Staying in New York for a while?
Find the best long-term travel insurance plan that offers comprehensive coverage for extended stays in the USA.
Click here to read more »Student medical insurance for New York
New York is home to many universities and research centers which attracts a large number of international students. Given the high cost of health care in the United States, all international students should have proper student health insurance. Most New York University student health insurance plans are prohibitively expensive, and to make it affordable to students, we offer similar student insurance plans which satisfy university requirements.
These International student insurance plans are comparable but cheaper when compared to university student plans. Click here to view popular plans »
Best Health Insurance for Students in New York
How can H1B visa holders find the best health insurance in New York?
There are a large number of technology companies in New York and hence the state is home to a large number of H1B visa holders. The best health insurance for H1B visa holders in New York provide comprehensive coverage in a cost effective manner. Many H1B workers have employer-sponsored insurance, however, those H1B visa holders without any employer sponsored insurance can buy H1B visa insurance on American Visitor Insurance. It is important to compare the different plans, the PPO networks, the premium cost and coverage limits on American Visitor Insurance to find the most suitable H1B visa insurance for New York to ensure access to quality healthcare in New York.
Buying Atlas America travel insurance in New York
Residents of New York must note that Atlas America insurance Provider is not licensed by the State of New York as the insurance provider is called "non admitted" or "surplus line". This means that the insurance company does not participate in the insurance guarantee funds created by New York Law and insured claims will not be paid by the funds if the insurance company is unable to pay as promised.
However the customer will face this risk only if the insurance company is financially unable to pay their liabilities and this depends on their financial stability. The financial stability of a company is reflected by the insurance provider rating and having an AM rating of "A" and above indicates that the company is very stable and able to settle customer claims. WorldTrips holds a financial strength rating of "A++" (Superior) by A.M. Best Company.
You can find other comprehensive visitor insurance plans
For more details see the :-
Travel Insurance New York, Tourist insurance New York – FAQs
1. Do I need travel insurance for New York?
The healthcare costs in the US is very expensive and it is important to buy best travel insurance to New York. This is true for all international travelers visiting New York and the rest of the US. Even though it might not compulsory to have travel health insurance while as a tourist in the US, it is nonetheless very important to buy good short term medical insurance for New York visitors to insure oneself against being forced to pay for healthcare facilities while on a vacation. In New York, it can protect you financially against trip cancellations, medical emergencies, lost luggage, and other travel-related issues. Customers can compare and find cheap travel insurance for New York and buy the most appropriate plan for their needs.
2. Which is the best travel medical insurance for New York residents?
Excellent question and we try hard to find the best answer to this question! Given the unique needs of different travelers there is not one US travel insurance plan that is always the best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition.
We endeavor to give our visitors as much information as possible so they can find the best US travel health insurance plan. Our travel insurance quote comparison tool helps travelers compare different visitor travel insurance plans based on price and coverages in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!
3. How much is New York travel insurance?
The cost for the New York travel insurance depends on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of travel insurance New York required, the greater will be the cost.
Other factors include the coverage for acute onset of Pre-existing conditions, renewability, and co-insurance options. Our US travel insurance for New York quote facility lists the US travel insurance plans that are popular while visiting New York.
4. Do US hospitals in New York have to treat you without visitor insurance?
For a life-threatening emergency, yes, you must be treated wherever you are taken. However, how much follow up and care is given after you are out of danger may be limited or you may be asked to find a new care facility. Unless you have a lot of cash on hand or high credit limit on your credit card, we much advise you to purchase visitor health insurance for New York for the entire length of your trip to the US.
5. Can tourists go to emergency rooms in New York?
Yes, they can go to emergency treatment, however, you will be asked for health insurance information immediately and your care will be much more relaxed and quick if you have a visitor medical insurance policy, particularly a US-based policy, in place for the duration of your trip.
6. Why is travel insurance for USA so expensive?
There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
7. How to buy travel insurance? How to find the best international travel health insurance?
There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.
The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19
The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.
8. What does travel insurance typically cover in New York?
The coverage can vary depending on the policy, but typical US travel insurance for New York may include trip cancellation or interruption, medical expenses, emergency medical evacuation, baggage loss or delay, and travel delays.
9. Does travel insurance cover pre-existing medical conditions in New York?
Some travel insurance plans like INF travel insurance offer coverage for pre-existing medical conditions, while others may have limitations of coverage for acute onset of pre-existing conditions or exclusions for pre-existing conditions coverage. It is crucial to compare the different options on American Visitor Insurance and understand any restrictions related to pre-existing conditions.
10. Can I purchase travel insurance after arriving in New York?
Generally, travel medical insurance for New York is designed to be purchased before your trip begins. It may be possible to purchase insurance after arriving in New York, however it is advisable to buy it in advance to ensure you have coverage from the start of your trip, as sickness that you have will be considered a pre-existing ailment if you buy the travel insurance after becoming sick.
11. How do I choose the right travel insurance for ny residents?
When selecting travel health insurance for New York, consider factors such as your specific needs, the duration of your trip, the coverage limits and exclusions, the reputation of the insurance provider, and the cost of the policy. Comparing multiple US travel insurance plans for New York on American Visitor Insurance can help you make an informed decision.
12. Can I cancel my travel insurance for New York and get a refund?
The cancellation and refund policies for travel insurance vary depending on the insurance provider and the specific terms of the policy. Most policies offer a pro-rata refund within a specified timeframe. Contact your insurance provider to inquire about their cancellation policy.
13. Is visitor insurance mandatory for entry into New York?
Visitor insurance for New York is not mandatory for entry into New York or the United States. However, it is highly recommended to have New York visitor insurance to protect yourself financially in case of unexpected medical expenses during your visit given the very high cost of healthcare in New York.
New York visitor insurance reviews
What are the different USA visa health insurance?
Travel health insurance for visitors in New York
Visitors insurance for Seniors
Travel medical insurance for seniors over 50 years
Know more »Visitor medical insurance for travelers above 60 years
Know more »Best travel insurance for over 65s
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Know more »Visitor medical insurance for travelers above 75 years
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Know more »US Visitors insurance for travelers above 90 years
Know more »US Travel medical insurance for older travelers
Know more »Visitor insurance for New York
Travel insurance for USA resources
Short term health insurance New York resources.
Factors for vacation insurance
Factors for the best vacation insurance in New York.
Types of New York tourist insurance online
Different tourist insurance options.
New York vacation insurance claims procedure
Vacation insurance claims process.
New York tourist insurance - Links
Temporary health insurance New York FAQ
FAQs about travel medical insurance for New York.
Click here to read more »Short term health insurance New York Blog
Blog about travel health insurance New York.
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Customer Queries for USA travelers to New York.
Click here to read more »New York city Visitors Insurance Blog
Top source of travelers for New York
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General information about New York
Capital
Albany
Language
English
Currency
US Dollar
Population
19.5 million
Best time to visit
April to June and Sep. to Nov.
Location
Northeastern United States
Vacation spots
Times Square, the Empire State Building, Central Park, Museum Mile, the Statue of Liberty and Ellis Island.
Popular city in New York - New York City
Popular tourist destinations in New York
Lake Placid
In Essex County, in the heart of the Adirondack Mountains, is the village of Lake Placid. Lake Placid is well known thanks to serving as the host of the 1980 Winter Olympics.
Watkins Glen State Park
Located at the southern end of Seneca Lake, is Watkins Glen State Park. If you want to get outdoors and experience some phenomenal views, then this is the perfect destination.
Fire Island
Much of the island is made up of the Fire Island National Seashore, a former whaling base that is now a popular seaside getaway destination.
Niagara Falls
Niagara Falls known as the Honeymoon Capital of the World, Niagara Falls is absolutely a romantic destination. However, travelers of all types will want to check out this magnificent natural attraction.
Trip cancellation insurance for Non US residents
US Domestic Travel Insurance
Domestic travel insurance for your trip in the USA
Irrespective of whether you are traveling within the US or overseas, US travelers should have good insurance coverage for traveling. US citizens traveling within the USA can buy US travel insurance if they are going more than 100 miles from their primary residence. This insurance for travel is ideal both within the state as well as out of state.
Delayed flights due to inclement weather, crowded airports, increased security checks as well as loss of baggage or baggage delays are common. Unexpected travel or medical emergencies resulting in missed flights, hotel reservations as well need for medical evacuation to a good healthcare facility can happen while traveling outside one's familiar environment.
The financial loss due to these situations can be significant, especially if it involves an expensive planned vacation with airline tickets, hotel bookings or cruise booking. There are other situations beyond the control of traveler and the traveler is forced to change his or her travel plans. This can be due to the health of the traveler or that of an immediate family member or other work related conditions. These situations are also covered by Travel insurance with the cancel for any reason coverage benefit.
Along with disruption to travel plans, 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 USA can be the secondary insurance and in some instances be the primary insurance and ensure that the travelers expenses is minimised.
Do I need travel insurance to travel within the USA?
Domestic travel Insurance is recommended for travel within the US, especially when you travel outside your state of residence. Your regular health insurance usually has limitations outside your immediate geographic area of residence, and very often outside your state. We have travel insurance plans that you can buy when you travel 100 miles outside your residence. Having travel insurance provides excellent coverage across all states in the US including popular vacation destinations like Hawaii, Florida and Alaska and along with providing health insurance coverage will also reduce medical bills when using healthcare facilities within the PPO network.
What is the best insurance for my vacation within the US?
This is a great question because many travel cancellation plans are only for trips that are going outside the US. Thankfully, there ARE options available for US residents traveling within the US. The iTravel plans offered by IMG are excellent and since there are four levels of the plan to accommodate your needs. The iTravelInsured Choice plan is a great alternative for travelers with a trip cost of $10,000 per person or less and are satisfied with $100,000 maximum coverage for medical expenses. The iTravelInsure Lite plan has a maximum allowed trip cost of $25,000 with a $100,000 medical maximum. The iTravelInsure SE plan offers trip protection up to $150,000 per person with a $250,000 medical maximum. The iTravelInsure LX plan also has a $150k maximum per person on the trip cost, but offers up to $500,000 maximum for medical expenses.
The plans are well designed to help you cover many sorts of unexpected costs besides unexpected medical expenses, such as additional kennel fees for pets if you are delayed in returning home, help chaperoning and returning dependent children hope if you are in a hospital, and concierge services to assist with lost passports and documents or help navigating the legal or healthcare system in a different country. All these options, as well as excellent ratings, make the trip cancellation plans offered by IMG a great choice to insure you next domestic or international trip! Please feel free to contact us at (877)-340-7910 or email us if you have any questions or concerns!
American traveler insurance including trip cancellation coverage
US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.
Travelers can also include the Cancel for Any reason (CFAR) insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. This insurance provides coverage in the following ways:- Non refundable cost of the trip.
- Unexpected medical expenses of the traveler.
- Loss or damage to the insured’s possessions.
Following are the trip insurance plans:
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The travel insurance offered by IMG is a three-tiered series of plans: Travel Lite, Travel SE and Travel LX. These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.
Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
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Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are popular plans for trip related expenses.
The Safe Travels First Class Trip Protection, Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the 'Cancel for any Reason' which is available as a rider at an additional cost.
The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.
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- Available for US citizens and residents traveling outside the United States
- Includes $2000 in travel delay benefits for Covid quarantine/lodging.
- Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
- Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation
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The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice. There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.
Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.
There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
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Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.
Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.
International travel health insurance from USA
What is the best travel insurance with theft gear coverage?
American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.
Which is best trip cancellation insurance for adventure activities?
The iTravelInsured Travel Sport plan is designed for adventure seekers, offering travel insurance for expeditions, tours, and vacations. It covers adventure, extreme, and hazardous sports, as well as organized intramural and interscholastic sports, with trip cost protection of up to $100,000.
iTravelInsured SportWhich travel insurance provides good medical evacuation coverage?
Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.
What is the American travel insurance for canceled flights?
Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.
How much does the best travel insurance cost in 2025?
The travel insurance cost is based on the age, trip length and the trip cost. There are cheap trip insurance plans starting at $24 for a 15 day trip with a $1,000 trip cost.
Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1,000 trip cost. This table gives the average trip cancellation insurance cost for different ages.
| Plan Name | Trip cancellation | Age 20 | Age 40 | Age 60 |
|---|---|---|---|---|
| Safe Travels Protect | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $32 | $39 |
| Safe Travels Explorer | 100% of Trip Cost (Up to a Max. of $30,000) | $28 | $37 | $52 |
| iTravelInsured Travel Lite | 100% of Trip Cost | $33 | $43 | $62 |
| Trip Protection Basic | 100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 |
| Itravelinsured Choice | 100% of Trip Cost | $39 | $50 | $73 |
| Safe Travels Rental Plus | 100% of Trip Cost ( Up to a Max. of $10,000) | $53 | $53 | $64 |
| Travel Insurance Select Basic | 100% of Trip Cost | $42 | $42 | $87 |
| Safe Travels Armor | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $55 | $67 |
| Trip Protector Economy | 100% of Trip Cost(Up to a Max. of $5,000) | $47 | $55 | $71 |
| Trip Protection Choice | 100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 |
| Safe Travels Voyager | 100% of Trip Cost (Up to a Max. of $100,000) | $62 | $76 | $102 |
| Itravelinsured LX | 100% of Trip Cost | $102 | $114 | $138 |
Source: American Visitor Insurance®
How much does travel insurance cost for a week? How much does travel insurance cost for 2 weeks?
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks. You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
How much does travel insurance cost for 6 months?
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
Which is the best annual travel insurance for travel within USA?
- 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
International travel insurance from New York
Importance of international travel insurance
Traveling long distances has many unexpected and accidental incidents that need to be taken care in a professional manner in order to have an enjoyable experience. US travel Insurance very important while traveling which takes care of medical expenses due to sudden sickness or injury. In the US healthcare is closely linked to insurance coverage. US travel health insurance providers have preferred provider networks and the hospital billing is much lower for insured patients when compared to uninsured patients. Having the best US traveler insurance reduces hospital bill along with paying for the outrageous cost of healthcare in the US.
US travel insurance plans can also insure trip expenses along with insuring the health of the traveler. Trip cancellation Insurance cover trip cancellation, trip interruption, travel delay, loss of luggage, baggage delay... Cancel for any reason insurance is an additional benefit available which will refund 75% of the trip cost in case of trip cancellation if the traveler cancels the trip for any reason. These benefits are very useful for traveler who are not sure of their travel schedules so that they should do not need to lose their travel investment if they do not travel.
Long term Europe Insurance for US citizens
US citizens from New York visiting Europe for more than 90 days are required by Schengen state consulates to buy Long term Europe travel insurance with a minimum of 30,000 Euros medical coverage for the Long term Europe travel visa. However, given that healthcare in Europe is expensive, and that US domestic health insurance and US Medicare plans offer little coverage outside US borders, it is recommended for US citizens traveling from New York to buy proper Europe travel insurance even for short visits to Europe.
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Travel Insurance for US senior citizens on Medicare travelling abroad
US senior citizens having Medicare and travelling overseas from New York need to be aware of the limited to no coverage by their health insurance outside US national borders. Older travelers are therefore advised to buy Medicare supplemental travel medical insurance to cover unexpected expenses from emergency sickness or injuries outside USA.
Get quote »How much does international travel insurance cost for US citizens?
Travel insurance for travel outside the US starts as low as $20 for a month. Travel insurance provides coverage for doctor visits and emergency hospital stays while ensuring access to necessary care and financial protection against high medical costs abroad. This table gives the average travel health insurance cost for different ages.
The average cost based on the quotes for one month
| Plan Name | Maximum Coverage | Deductible | Age 20 | Age 40 | Age 60 |
|---|---|---|---|---|---|
| Atlas Essential International Insurance | $50,000 | $250 | $20 | $40 | $86 |
| Atlas International Insurance | $50,000 | $250 | $27 | $54 | $117 |
| Patriot International Lite Insurance | $50,000 | $250 | $29 | $55 | $121 |
| Safe Travels Outbound Insurance | $50,000 | $250 | $26 | $77 | $168 |
| Diplomat International Insurance | $50,000 | $250 | $32 | $86 | $181 |
| Intermedical Insurance | $50,000 | $250 | $48 | $73 | $121 |
| VisitorSecure Insurance | $50,000 | $100 | $29 | $34 | $55 |
| Voyager Essential Insurance | $50,000 | $250 | $32 | $58 | $116 |
| Travel Medical Outbound USA Basic | $50,000 | $0 | $29 | $55 | $121 |
Source: American Visitor Insurance®
Cost of travel insurance
Factors to consider while buying travel insurance, trip cancellation.
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Cost of travel medical insurance
Factors to consider while buying visitor travel medical insurance.
Know more »Is it better to have annual travel insurance for frequent travelers?
Annual multi trip international travel insurance plans are ideal for businessmen and regular overseas travelers as there is no need to buy an insurance plan every time you travel and are cheaper than buying several single trip travel insurance plans. These plans provide coverage for a whole year, however there is a limit for each trip which is either 30, 45 or 70 days depending on the plan chosen.
Business travelers and working professionals from USA travel abroad frequently, it is important to have proper annual travel insurance. The US frequent travelers can compare and purchase annual multi trip international travel insurance plan which covers them for the whole year.
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Canadians travelling to New York
Insurance for US residents traveling to Canada
New York is one of the main transit points for goods and people to travel from the US to Canada and vice-versa. Millions of vehicles including ferries and trains cross the international border annually. Most of the transit points are near Detroit or Port Huron in New York state, but there is also a crossing in the Upper Peninsula. It is important to carry your passport, as you will need this while returning to the US even if you do not need it while entering Canada. The passport is mandatory for Non US citizens.
Along with the passport, it is very important to have proper travel medical insurance since your domestic US health insurance will not have good coverage outside the US borders. Regular business travelers can buy a multi-trip travel insurance which insures the traveler for the whole year, with each trip allowed for a fixed period of time.
Click here to Know more »Overseas travel insurance for US residents
How do I buy the best travel insurance for Cruises?
Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.
Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most Cruises offers Cruise protection, but that is not the same as trip insurance for Cruises.
A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for Cruises offer. Vacationers can shield themselves best by purchasing the Cancel for any reason insurance benefit. This gives the flexibility of cancellation the cruise vacation for any reason, and the traveler can get reimbursed up to 75% of the non-refundable trip expenses. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
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What are the best insurance plans for cruise travelers?
Seven Corners Cruise Insurance
- Cheapest cruise insurance for US residents taking domestic or international trips.
- Trip Inconvenience (Cruise Diversion & Disablement) covers $250 per event, up to $500.
- Emergency medical evacuation and repatriation is covered for $500,000
- Emergency accident and sickness medical expense is covered for $250,000.
- description
Trip Cost
Up to $30,000 per person - luggage
Trip Length
Up to 30 days - medical_services
Missed Connection
$250 per day up to $1,500 - shopping_cartBuy Now
ITravelinsured Travel Choice
- Ideal for those looking for a cheap and budget-friendly cruise insurance.
- Missing the boat is covered up to $500 per person.
- Accident and Sickness medical expense covered up to $100,000, with the option to enhance coverage up to $250,000
- Medical evacuation and repatriation of remains are covered up to $500,000, with the option to enhance coverage up to $1,000,000.
- description
Trip Cost
Up to $10,000 per person - luggage
Trip Length
Up to 180 days - medical_services
Missed Connection
Up to $500 per person - shopping_cartBuy Now
Safe Travels Voyager
- Ideal for first class travellers taking expensive vacations.
- Emergency medical evacuation and repatriation is covered for $10,00,000
- Emergency accident and sickness medical expense is covered for $250,000.
- Rental car damage and theft coverage up to $35,000.
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.
- description
Trip Cost
Up to $100,000 per person - luggage
Trip Length
Up to 180 days - medical_services
Missed Connection
Up to $1,000 per person - shopping_cartBuy Now
ITravelinsured LX
- For elite luxury travelers taking expensive vacations and adventure trips to exotic locations worldwide.
- Medical evacuation and Repatriation of Remains covered up to $1,000,000.
- Accident and Sickness medical expense covered up to $500,000.
- Rental car damage and theft coverage up to $40,000.
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.
- description
Trip Cost
Up to $150,000 per persom - luggage
Trip Length
Up to 180 days - medical_services
Missed Connection
Up to $500 per person - shopping_cartBuy Now
What are the popular travel destinations among New York residents?
Popular outbound destination among New York travelers
Schengen visa insurance for New York residents traveling to Europe
Since US domestic insurance has little coverage in Europe, it is important to buy proper visitors insurance while visiting Europe. We have Europe travel health insurance specific to your needs.
Trip insurance vs Travel health coverage vs Global medical insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
Click here to read more »Best international medical insurance
Resources for US air travelers
Information about US mobile passport control and TSA pre check for US passport holders.
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