Is travel insurance necessary when you go to New York? This is a question that I am asked regularly. And that I am going to try to answer in this article. Putting the pros and cons of hiring the 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 bear in mind that credit cards or airlines normally cover the loss, damage, or delayed arrival of luggage, so we are going to focus on health care, which is without a doubt the most interesting.

Healthcare in the USA

And since 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 you have private health insurance, which includes assistance abroad in its coverage unless you have taken out travel insurance. In addition, by not having health coverage, expenses in the United States skyrocket, and a simple thing, such as an X-ray and a bandage, can skyrocket up to a thousand euros, not to mention if hospitalization or surgery is already necessary, in which the amounts can skyrocket above 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 case of an accident.

What amounts should I hire?

Although before we recommended lower figures, now with COVID-19 I recommend you not to take out travel insurance that does not cover a minimum of 450,000 or 500,000 euros in health and hospital expenses, you save very little if you reduce that amount, and thus you will cover any unforeseen event, although as always we hope you don’t have to use it at all.

Recommended travel insurance

That is what has happened to me, I have never had to use health insurance. So I cannot give you my experience with any of them. But here I leave you four insurances that are the ones that have the best marks on the Internet and which are the ones I usually hire for my trips abroad outside the European Union.

Intermundial

A world leader in travel insurance, Intermundial is another company that I recommend for your trips.

Allianz Assistance

It is the leading company in the market. And it is the travel insurance that they offer you when you contract the trip on websites such as Expedia or similar. The German insurer is a guarantee if you have problems during your trip. They have its own network of centers in the United States. They can offer you the best service during your trip, and it is the one I usually hire if I travel to an exotic country or on stays short. In addition, we have obtained a  10% discount for you if you write the discount code AZNY10 when doing the simulation.

IATI insurance

This is the insurance that I usually hire for my trips to the United States. 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 users who, unfortunately, have had to make use of it. In addition, if you click on our link you will automatically get a 5% discount on the rate they offer you on their own website.

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