Travel insurance for the United States: everything you need to know

We go over the requirements that your policy for the United States has to meet to ensure you have everything covered.
Preparing a trip to a destination outside Europe involves handling more formalities than when traveling to European countries in the Schengen area. One of the most important aspects of traveling to the United States is taking out travel insurance. Healthcare is private in this country, meaning any slight issue needing medical attention can end up costing an outrageous sum if you do not have adequate coverage. For this reason, taking out a travel insurance policy for the United States will give you the peace of mind of being able to go on vacation with improved security and without having to worry about paying hospital bills that can amount to thousands of euros. In this article, we tell you what these types of insurance consist of, the different types of coverage, and what you should consider when taking one out.
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Sums insured

The first thing to consider is the insured capital limits offered by the insurance policy. An insurance policy that covers up to 5,000 euros in health expenses will be of little use when treating a broken leg, which can cost up to 80,000 euros in the United States. Therefore, the greater the financial coverage, the more safety and peace of mind guarantees the insured person will have. In fact, for trips involving greater risks — such as road travel or adventure travel — it is especially important that the insurance cover the largest possible amount of expenses. Therefore, before choosing one insurance or another, it is essential to analyze what type of trip you're taking in order to choose the most suitable limits.

Coverage term

Ideally, you should take out a policy that covers the entire trip, including the arrival and departure days, since unforeseen events can occur at any time.

On the other hand, there are annual flat-rate travel insurance policies. This type of policy is a very convenient option for those who have to travel several times a year, as they do not require taking out a new policy every time the policyholder travels outside Europe in the same calendar year.

Advance of funds

An advance of funds is for cases when the insured person is obliged to refund the amount to the company, which may also require some type of endorsement or guarantee. Fund advance amounts vary significantly according to the policy
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Additional services

A good travel insurance policy offers additional services, optional or included, for unforeseen situations that may arise beyond healthcare, giving you guaranteed peace of mind during the trip. Therefore, it is advisable to have a policy that offers benefits such as compensation in the event of a flight delay or cancellation; lost items, damages, or stolen luggage; legal coverage abroad, etc.

At BBVA we know how important it is to be able to travel with complete peace of mind. That's why we have selected travel insurance policies with extensive coverages that adapt to your needs. Enter bbva.es or go to one of our branches to find out which is the ideal insurance for your dream trip.

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