Travel insurance for New York

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Do you need travel insurance when you go to New York? This is a question that I am usually asked and that I will try to answer in this article, putting the pros and cons of hiring insurance.

What does travel insurance offer you?

Travel insurance has three parts:

  • Cancellation of the trip.
  • Loss or delay in the arrival of luggage.
  • Healthcare

In the first two cases, its function is clear, although we must take into account that normally with credit cards or airlines you cover the loss, deterioration or late arrival of luggage, so we will focus on health care , which is without doubt the most interesting.

Health care in the USA

And is that there is no agreement between the Spanish Social Security or the European Union with the United States, any small incident you have during the trip (a sprain, high fever, ...) you will have to cover the costs of health care unless you have private health insurance, including coverage abroad assistance, or have purchased travel insurance. In addition, having no health coverage, spending in the United States soars and a simple thing, such as an x-ray and a bandage can shoot up to a thousand euros, not to mention if a hospitalization or surgery is already necessary, in which amounts can be shot above the 10.000 euros, especially if there is a hospitalization or surgery, or if you want to repatriate the patient.

So, if you have private health insurance in your country, the best thing you can do is call and ask if it includes assistance in the United States and with what amounts, and if it also includes repatriation in the event of an accident.

If you do not have insurance, or your health insurance does not cover the United States, then if I strongly recommend that you take out travel insurance for all the people traveling, the cost is low compared to the price of the trip (it will be from 40 -50 euros per person the most basic insurance) and you will be guaranteed health care up to a certain amount.

What amounts should I hire?

There I recommend you do not hire travel insurance that does not cover a minimum of 40.000 or 50.000 euros in healthcare and hospital expenses, you save very little if you reduce that amount and thus cover any unforeseen, although as always we hope you do not have to use it at all.

Recommended travel insurance

This is what has happened to me, I have never had to use health insurance, so I can not provide my experience with any of them, but here are three insurance that have the best scores on the Internet and what I usually hire for my trips abroad outside the European Union.

  • IATI insurance: This is the insurance that I usually hire for my trips to the United States and they are very famous on the Internet, they are recommended by almost all travel bloggers because they have very good prices, and both the coverage and the opinions of the users are very good. who, unfortunately, have had to make use of it. Also, if you click on our link you will automatically get an 5% discount on the rate They offer you on their own website.
  • Intermundial: A world leader in travel insurance, Intermundial is another of the companies that I recommend for your trips.
  • Allianz Assistance: It is the leading company in the market and it is the travel insurance that you offer when you hire the trip on websites like Expedia or similar. The German insurer is a guarantee if you have problems during your trip, they have their own network of centers in the United States with which they can offer you the best service during your trip, and is the one that I usually hire if I travel to an exotic country or in stays short In addition, we have achieved for you a 10% off if you write the discount code AZNY10 when doing the simulation.

I hope you have removed your doubts about the convenience or not of hiring a travel insurance, for any other question you can contact us through the contact form, our social networks or the chat.

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