What to consider when choosing travel insurance for popular US destinations

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Written by Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.

Planning a holiday abroad is exciting: You’ll get to experience a new culture and way of life, check out the local sights, do some fun activities, and so much more. The US is massive in comparison to the UK — it’s roughly 40 times the size of the UK — and greatly varies city to city, and region to region. So, certain types of travel insurance that might be useful on an adventurous holiday near Lake Tahoe in California might not be necessary in New York City, for example.

If you’re planning an excitement-packed holiday to the US, the last thing you want is to have your trip ruined from unexpected illness, lost property, or a serious accident. Below, we’ll take a look at a few things you should keep in mind when choosing travel insurance for a few of the most popular tourist destinations in the US.

New York, New York

As a massive global city, New York City is an extremely attractive destination for US citizens and international tourists alike. It is a melting pot of cultures, and has some of the best museums, food, and shopping (among much more) in the world. Because of the sheer number of people in the city (which means more risk of illness, delays, and other issues), you’ll want to make sure that you get a travel policy with medical, accident, travel delay, and lost baggage coverage.

Lake Tahoe

Although Lake Tahoe is a more beloved destination for US citizens, it’s still a place that many international tourists want to visit for summer or winter holidays. There are plenty of activities at all times of year, but the most common times to visit include the summer and winter months for sports like boating, swimming, skiing, snowboarding, and hiking. If going on an adventurous holiday to somewhere like Lake Tahoe, it’s extremely important that you have a policy that will cover you in case of a winter or summer sports accident.

Las Vegas, Nevada

Las Vegas is renowned worldwide for its entertainment, nightlife, and casinos, which makes it a desirable destination for international tourists. Vegas-style entertainment has become so beloved that it’s even inspired the creation of virtual casinos, which feature many of the most popular slots and table games you’ll find in Vegas.

Although protection against lost or stolen property is ideal for any destination on this list, it is most important for cities like Las Vegas and New York City where theft (especially for tourists) is higher. Additionally, if you’re planning on renting a car while in Las Vegas to get around the city or check out some other parts of the west, you’ll also require road trip and accident coverage.

Orlando, Florida

US residents aren’t the only ones who want to experience the magic of Disney World, Universal Studios, and Harry Potter World: People from all over the world travel to Orlando to see what these amusement parks have to offer. These parks tend to be more popular for groups of people or families, so if traveling to Orlando, make sure that you have coverage for everyone.

Additionally, if traveling during the summer months, keep in mind that it gets very hot and humid in Orlando, so heat stroke and dehydration can be more common. Make sure that you have a policy that would cover a hospital stay in case anything like that should happen. It would also be a good idea to get a policy that covers cancellations or interruptions due to hurricanes or other weather conditions.

Ultimately, when choosing travel insurance for any of the above destinations, you should consider how long you’ll need coverage for and what type of coverage is most important to you. For example, if you’re planning on traveling to the US for work and for holidays, then an annual insurance policy would likely make more sense than a short-term policy. And if your plans tend to abruptly change last minute, then a policy with trip cancellation or interruption coverage is crucial.