Long Stay Travel Insurance for the USA: What You Need to Know

If you're planning a trip to the States, it's important that you consider taking out travel insurance - especially if you're going there for an extended stay.

Long stay travel insurance is highly recommended for all foreigners going to America.

In this article, we're going to talk about why you should take out a long stay travel insurance policy for the USA, as well as what to look for in a policy and a solid option to cover you for your stay.

Why do you need long stay travel insurance for the USA?

The US notoriously has the highest health care costs in the world.

While the medical services are highly reputable, with some of the best care available, it comes at a substantial cost.

If you don't have adequate medical coverage and have a medical emergency while Stateside, you will be responsible for debilitating bills in the hundreds of thousands of dollars. For example, a few hours in the emergency room can cost you $10,000 or more, and that doesn't even factor in emergency transportation or medical procedures.

In order to mitigate this risk, it's highly recommended to have travel insurance when you go there.

What does long stay travel insurance for the US cover?

It depends on the policy that you choose. Generally speaking, long stay travel insurance covers emergency medical costs and then additional guarantees as well.

Different insurance providers can have different levels of coverage. This is one of the reasons it's so important to read all of the policy details before you choose one.

A good long-term travel insurance policy should give you broad coverage to keep you safe during your extended stay. Here are some of the different levels of coverage you can expect to see.

Emergency medical coverage

• Costs for emergency medical treatment (for a broken bone, for example).
• Hospitalization during a medical emergency.
• Emergency medical evacuation.
• Repatriation (in case you need to be sent home due to a serious illness or accident).
• Repatriation of mortal remains (in the very unfortunate event of a death abroad).
• Some policies cover COVID-19 and other pandemics/epidemics.

Different providers may vary on the coverage that they offer, but emergency medical is at the core of all travel insurance.

Lost or stolen passports and other essential papers

If you lose your passport or other essential documents, or they're stolen, your long stay travel insurance can help you while you're visiting the States.

Search and rescue costs

If you get lost, injured, or stuck during an activity, search and rescue costs may be covered depending on the policy.

If you're planning to hike, go to national parks, or do another outdoor activity while in the States, search and rescue coverage is essential.

Legal fees and assistance

• Advance of bail.
• Legal fees abroad.
• Legal assistance abroad.

Legal coverage is essential when traveling to a country, especially the USA, where you may not be familiar with the legal system.

24/7 travel assistance and support

When you purchase a travel insurance policy, you don't just have the coverage listed. You also typically have 24/7 support and travel assistance from travel experts.

How to choose the best long stay travel insurance for the USA

Choosing the right travel insurance for your extended trip in Australia can feel overwhelming, but we're here to help.

With over 14 years of experience in the travel sector, we know a thing or two about choosing the coverage best for you. There are a few things you should always remember when you're choosing a policy.

High medical coverage

Because of the costly medical care in the States, make sure you choose a policy with high medical coverage limits.

Ease of purchase

When choosing which insurance is the best option, it's important to consider ease of purchase.

Simple processes are essential when you're planning a big trip, as you can easily check off another line item

Companies like Insurte offer a 100% digital experience, from their handy insurance comparison tool to finalizing your purchase and getting your insurance certificate - immediately.

Compare policies for long term stays

Make sure you always compare and contrast different policies to find the one that best suits your needs.

Also, it's important to keep in mind that not all travel insurance policies offer long term coverage. Mutuaide through Insurte offers long stay travel insurance, which is a good option if you're going to the States. With worldwide coverage, Mutuaide can protect you in other countries, too.

Look at trip maximums

While some travel insurance covers you for a long time (365 days for example), it may have trip maximums. When you're comparing insurance options, make sure to check trip maximums so you're certain you can be covered for the entire length of your trip.

How much does long stay travel insurance for the US cost?

The cost depends on several factors, including how long your trip is, what kind of coverage you'd like, and how many people need to be covered.

Policies usually start at a few dollars a day, though some long stay travel insurance policies are offered at a flat rate.

For long trips, flat rate policies may be a lower cost than per-day ones. It's important to look at both and compare the costs to get the best deal.

Is long stay travel insurance for the USA worth it?

100%.

Travel insurance protects you from unexpected costs, gives you peace of mind, and ensures you can fully enjoy your adventure.

If you have a medical emergency and need treatment, long stay travel insurance will help protect you from unsightly bills.

FAQs: Long stay travel insurance for the US