Best Travel Insurance For USA Trips 2026
However, it’s crucial to be prepared for unexpected situations by securing comprehensive travel insurance. Whether it’s protecting yourself against earthquakes, tsunamis, or flight accidents, having the right travel insurance coverage ensures a worry-free experience in the land of opportunity.
Travel requirements to enter the USA
To travel to the USA as a tourist, you’ll need to apply for a visa unless you’re from one of the countries which are on visa exemption agreements under the Visa Waiver Program (VWP), with the USA. At the moment, Singaporean passport holders can travel to the USA for tourism or a visit for 90 days or less, i.e. for family or transit or medical treatments, without a visa under the VWP.
Before you apply for a visa, you may wish to utilise the Visa Wizard by the U.S. Department of State, to find out which type of visa is appropriate for you. Thereafter, you may apply for the visa either online or in person, about 3 months or more in advance, before your expected travel date.
Do note that travel to the United States under the VWP still requires ESTA approval, which means you still have to submit your ESTA application on the US Department of Homeland Security website. You may submit your ESTA application any time prior to your travel date, although it is recommended to apply as soon as you book your accommodations, or buy flight tickets. Here are the common types of visa which you can apply for:
- Transit
- Tourism & Visit
- Study & Exchange
- Business
- Employment
Top 9 Things To Do In The USA
Explore the famous Grand Canyon
Marvel at the breathtaking beauty of the Grand Canyon, one of the Seven Natural Wonders of the World on hiking trips along the rim, or take a mule ride down into the canyon, and try rafting through the Colorado River.
Visit iconic heritage monuments and islands
Step back in time and experience the iconic symbols of American freedom and immigration, take ferry rides to Liberty Island, climb to the crown of the Statue of Liberty, and explore Ellis Island to learn about the millions of immigrants who passed through its gates.
Immerse in the magic of Walt Disney World
With four theme parks there, you'll be able to explore fairytales at Magic Kingdom, innovation at EPCOT, cinematic thrills at Hollywood Studios, and adventure at Animal Kingdom. Each park brings a world of unforgettable experiences!
Discover the USA's food scene
Dig into classic New York pizza and bagels, New Orleans Cajun and Creole cuisine, San Francisco seafood, Chicago deep-dish pizza, Nashville hot chicken, Austin BBQ and more. Each city offers iconic dishes that highlight America’s rich culinary diversity.
Go on roadtrips
If you enjoy a good long scenic drive, experience going on road trip along the Pacific Coast Highway, to take in breathtaking coastal views, stop over at charming seaside towns, and visit iconic landmarks like the Golden Gate Bridge and Big Sur.
Experience the thrill of taking chances
Let loose in the neon-lit city of Las Vegas, Nevada where you can try your hand at gambling games in the comfort of world-class casinos, catch a show on the Strip, and immerse in the city's vibrant nightlife.
Catch live music performances
Music lovers can groove to live music at renowned spots like The Continental Club and the Austin City Limits Music Festival, or delve into the essence of country music with performances at the Grand Ole Opry and other historic venues.
Embrace natural wonders
Witness the stunning landscapes of Yellowstone National Park, home to geysers, hot springs, waterfalls, and diverse wildlife. There is a myriad of activities to do there, including hiking through the park's trails, wildlife watching, or scenic drives.
Visit a historic city
Step back in time and explore the historic city of Boston, Massachusetts, where iconic landmarks like the Freedom Trail, the Boston Tea Party Ship, and Fenway Park where you can see interactive exhibits, go on cultural tours and more.
How to choose travel insurance for your USA trip?
Check if your plan provides adequate coverage
Get insured for any pre-existing conditions
Do a comparison of policy premiums
Consider coverage of sporting activities
Ensure coverage for trip disruptions and baggage loss/damage.
Compare travel insurance plans for your USA trip
FWD Premium
- Med. Coverage (Overseas)
- S$200,000
- Trip Cancellation
- S$7,500
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$33.0130% Off - S$23.11
[Travel with REWARDS]
• Get a S$30 Revolut cash reward with FWD Travel premiums purchased. T&Cs apply
• Enjoy 30% off Single Trip plans and 25% off Annual Travel plans with code FWDHOLIDAY. Valid from 29 to 30 Jun 2026.
• Plus, get a $50 eCapitaVoucher from FWD with an Annual Travel Insurance with PreX add-on
INCOME Standard Classic
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$59.6050% Off - S$29.80
Travel with REWARDS:
• Get a S$30 Revolut cash reward with Income Standard Travel premiums purchased. T&Cs apply
• Enjoy 50% off on Standard Per-trip travel plans. Ts&Cs apply.
• Enjoy 15% off on PreX Per-trip travel plans. Ts&Cs apply.
Discounts valid from 25 to 30 Jun 2026, 9:00AM
MSIG TravelEasy Standard
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$5560% Off - S$22
Travel with REWARDS:
• S$70 GrabGift vouchers
• OR up to S$60 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
[Exclusive MoneySmart Promos]
• Get 60% off (Single Trip) and 25% off (Annual Plan) on TravelEasy policy premiums. Valid from 29 Jun to 2 Jul 2026.
• Enjoy a complimentary MSIG Lounge Pass at the Airport for flights delayed more than 90 minutes. (Per policy purchased).
• PLUS, receive up to 1GB worth of eSIM.
T&Cs apply.
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DirectAsia Voyager 250
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$41.7240% Off - S$25.03
Choose CASH or REWARDS:
• Up to S$30 GrabGift vouchers
• OR up to S$40 Cash via PayNow
• AND S$30 Revolut cash reward
and many more rewards with eligible premiums spent. T&Cs apply.
PLUS, enjoy 40% off your policy premiums.
Allianz Travel Silver
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total Premium Total Premium
S$7863% Off - S$28.86
[Score EXTRA Rewards]
Score a S$50 Grab Voucher OR Apple AirTag (worth $45) on top of existing gifts when you meet the giveaway requirements. T&Cs apply
Choose CASH or SMARTPOINTS:
• Up to S$45 Cash via PayNow
• OR an Apple AirTag (worth S$45)
• OR S$60 GrabGift vouchers
• AND S$30 Revolut cash reward
and many more on top of existing discounts with eligible premiums spent. T&Cs apply.
PLUS, enjoy 63% off your policy premium when you apply the promo code MSAZ.
How will travel insurance cover me in the event of natural disasters or unexpected events?
Baggage & personal belongings coverage
Trip curtailment, cancellation or travel delay coverage
Medical costs coverage
Coverage depends on your policy's terms, so ensure that any medical treatment is administered within the specified time frame and that reimbursement limits align with your plan's conditions. Always check with your insurance provider for specific details on medical coverage.
What is the average cost of travel insurance to the USA?
With so many travel insurance plans offering different coverage, it can be overwhelming to compare them all. Here's a quick example using the 5 best travel insurance plans in Singapore. For a 7D6N trip to the USA with a single-trip plan, here's a breakdown of the key coverage components.
| Travel Insurance Provider | Overseas Medical Expenses Coverage | Post-trip Medical Expenses Coverage | Loss/Damage of Personal Baggage | Trip Cancellation | Total Premium |
|---|---|---|---|---|---|
| FWD | Up to $1,000,000 | Up to $30,000 | Up to $7,500 | Up to $15,000 | $103 |
| MSIG | Up to $1,000,000 | Up to $75,000 | Up to $7,500 | Up to $15,000 | $209 |
| Singlife | Unlimited | Up to $80,000 | Up to $8,000 | Up to $20,000 | $175 |
| Bubblegum | Up to $150,000 | Up to $10,000 | Up to $3,000 | Up to $5,000 | $53 |
| Etiqa | Up to $1,000,000 | Up to $10,000 | Up to $3,000 | Up to $10,000 | $106 |
| Allianz | Up to $1,000,000 | N.A. | Up to $5,000 | Up to $10,000 | $237 |
*Above estimated premium rates are based on the highest tier of each insurance provider's plans for a 7D6N single trip plan to the USA, all data last updated on 17 September 2024. All premium rates are subject to change without prior notice in each insurance company's sole discretion.
Frequently Asked Question
Do I need to apply for a visa to travel to the USA?
- Yes and no. This depends on your citizenship, the type of passport you are currently holding, and the purpose of travel to the USA. You may need a visa to travel to the USA unless you're eligible for the Visa Waiver Program (VWP) or meet other specific entry requirements.