{"id":53863,"date":"2023-09-24T02:50:02","date_gmt":"2023-09-24T00:50:02","guid":{"rendered":"https:\/\/www.ilmioviaggioanewyork.com\/product\/health-insurance-for-travel-in-the-usa\/"},"modified":"2026-08-26T11:18:23","modified_gmt":"2026-08-26T09:18:23","slug":"travel-insurance","status":"publish","type":"product","link":"https:\/\/www.ilmioviaggioanewyork.com\/en\/product\/travel-insurance\/","title":{"rendered":"Medical Insurance for New York: Unlimited Cover"},"content":{"rendered":"<p>The United States has no public healthcare for foreign visitors, and the European Health Insurance Card is not valid there: every treatment is paid for on the spot. The <strong>single trip travel insurance policy<\/strong> with <strong>Columbus<\/strong> on this page, one of the <a href=\"https:\/\/www.ilmioviaggioanewyork.com\/en\/services\/\">travel services<\/a> in our catalogue, starts at <strong>$30.00<\/strong>, comes with <strong>no cap on medical expenses<\/strong> abroad and gives you a 24-hour emergency helpline.<\/p>\n<div style=\"--brand:#003981; background:#f4f7fb; border-radius:6px; padding:18px 22px; font-family:'Roboto Condensed',Arial,sans-serif; margin:24px 0;\">\n<p style=\"margin:0 0 10px; font-size:1.15em;\"><strong style=\"color:var(--brand);\">USA travel health insurance at a glance<\/strong><\/p>\n<ul style=\"margin:0; padding-left:20px; line-height:1.7;\">\n<li><strong>Price:<\/strong> from $30.00 per person for a single trip policy.<\/li>\n<li><strong>Medical expenses:<\/strong> no cap abroad.<\/li>\n<li><strong>Baggage:<\/strong> compensation up to \u20ac2,000.00 per person.<\/li>\n<li><strong>Assistance:<\/strong> emergency helpline open 24\/7, with Italian-speaking operators.<\/li>\n<li><strong>Covers:<\/strong> medical expenses for injury or illness while travelling, and baggage problems.<\/li>\n<li><strong>Where you buy it:<\/strong> on the provider\u2019s external platform, which also handles support.<\/li>\n<li><strong>Cancellation:<\/strong> according to the provider\u2019s terms shown on the platform at purchase, not the standard tour window.<\/li>\n<li><strong>Compulsory:<\/strong> no, not to enter the USA, but without cover every cost falls on you.<\/li>\n<\/ul>\n<\/div>\n<p>Below you will find what medical care really costs in the United States, what this policy covers, why credit card cover is rarely enough and what to check before you buy.<\/p>\n<h2>What the Policy Costs and What Skipping It Costs<\/h2>\n<p>The policy starts at <strong>$30.00 per person<\/strong> for a single trip: the final amount is shown on the provider\u2019s platform at checkout. What matters is the comparison with what it saves you from. American healthcare is entirely private, emergencies included, no European public health service will advance or refund what you spend on US soil, and the figures quoted across the insurance industry give a clear order of magnitude:<\/p>\n<ul>\n<li><strong>Emergency room visit:<\/strong> from several hundred to several thousand dollars for a single visit, depending on the tests involved.<\/li>\n<li><strong>Hospital stay:<\/strong> a few thousand dollars per day, with bills reaching tens of thousands within days.<\/li>\n<li><strong>Ambulance:<\/strong> between $500 and well over $2,000, billed separately from the hospital.<\/li>\n<li><strong>Medication and diagnostics:<\/strong> invoiced as separate line items.<\/li>\n<\/ul>\n<h3>How the Purchase Works<\/h3>\n<p>Many US hospitals and clinics ask for a credit card or proof of insurance at admission: emergencies are treated regardless, but access to non-urgent care can be slowed down, and the bill arrives either way. One thing should be clear: this policy is a third-party service and <strong>is not managed by Il Mio Viaggio a New York<\/strong>. The purchase is completed on the provider\u2019s platform, the final amount is shown at payment, and all assistance on the policy, before and after purchase, goes through the platform itself, as explained in the note below.<\/p>\n<h2>What the Columbus Policy Covers<\/h2>\n<ul>\n<li><strong>Assistance<\/strong> 24 hours a day, 7 days a week, for the whole duration of your trip.<\/li>\n<li><strong>Medical expenses<\/strong> abroad with no cap.<\/li>\n<li><strong>Baggage<\/strong> compensation up to \u20ac2,000.00 per person for baggage-related issues.<\/li>\n<li><strong>Emergency operations centre<\/strong> reachable at any time; please note the dedicated assistance is provided in Italian.<\/li>\n<\/ul>\n<p>Full terms, detailed limits, excesses and exclusions are set out in the provider\u2019s policy documents, which you should read before completing the purchase: those are the terms that apply if you need to claim.<\/p>\n<h2>Why Credit Card Cover Is Rarely Enough<\/h2>\n<p>This is the most common mistake among travellers heading to the United States. Premium cards do include travel cover, but it is designed for Europe and the medical limit usually stops at around <strong>\u20ac150,000<\/strong>. In the USA a few days in hospital can exceed that ceiling, and everything above it comes out of your own pocket.<\/p>\n<p>That is exactly why a travel health insurance policy built for the United States is chosen on its medical limit rather than its price: what matters is how much it covers, not how little it costs. If you are still putting the trip together, you will find the rest on our <a href=\"https:\/\/www.ilmioviaggioanewyork.com\/en\/tours\/new-york-tours\/\">New York tours<\/a> pages.<\/p>\n<p>Everything we do run directly, from live-guided tours to attraction tickets, is on <a href=\"https:\/\/www.ilmioviaggioanewyork.com\/en\/\">Il Mio Viaggio a New York<\/a>, with the support of our office near Times Square.<\/p>\n<h2>What to Check Before You Buy<\/h2>\n<ul>\n<li><strong>It is not compulsory<\/strong> to enter the United States: neither ESTA nor a tourist visa requires proof of insurance. The choice is yours, and so is the financial risk.<\/li>\n<li><strong>Buy it before you leave.<\/strong> Travel policies are taken out before departure: once the trip has begun they can no longer be activated.<\/li>\n<li><strong>Check the dates:<\/strong> cover must span the whole stay, arrival and return days included.<\/li>\n<li><strong>Check pre-existing conditions:<\/strong> this is the clause that causes the most disputes at claim stage.<\/li>\n<li><strong>Keep every document:<\/strong> invoices, medical reports and receipts are what you will need to claim.<\/li>\n<li><strong>Call the helpline first<\/strong> where the situation allows, before receiving treatment: it makes the claim far simpler to handle.<\/li>\n<\/ul>\n<h2>Please Note<\/h2>\n<p>The purchase is completed on a resale platform outside our website. For any assistance with the policy, with a claim or with refunds you need to contact the provider\u2019s platform directly. Limits, excesses and exclusions may vary: the contractual terms shown in the policy documents at the time of purchase are the ones that apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acquista subito l&#8217;assicurazione sanitaria USA: sicurezza e serenit\u00e0 per la tua avventura nella Grande Mela.<\/p>\n","protected":false},"featured_media":53868,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false},"product_brand":[],"product_cat":[1668,1666,1667],"product_tag":[1795,1689],"class_list":["post-53863","product","type-product","status-publish","has-post-thumbnail","product_cat-best-sellers","product_cat-discount-collection-en","product_cat-services","product_tag-exclude-from-feed-en","product_tag-insurance","first","instock","shipping-taxable","product-type-external"],"exclude_global_add_ons":[],"addons":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.6 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>USA Travel Health Insurance: Cover for New York<\/title>\n<meta name=\"description\" content=\"Discover travel health insurance for New York and the USA: unlimited medical cover and 24-hour help. 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