Travel Insurance: A Great Idea for Travel within the U.S.

It is easy to assume that because you aren’t leaving the country, you don’t need travel insurance in the USA. This isn’t a great assumption to make. Even though you are traveling in your home country, the unexpected can still happen.

You don’t think travelers only fall off of foreign cliffs? Or people only get stung by non-domestic bees? The fact is, people can be just as or even more accident-prone when they’re traveling and a travel insurance plan with Medical coverage can help no matter where you are.

When You Do Need Travel Insurance in the USA

Just like traveling internationally, when you travel domestically, you still face the possibility of trip cancellation, travel delays, lost or stolen luggage, and emergency medical situations. It’s important when buying travel insurance for domestic trips that you take each of these potential issues into consideration.

Added Protection in Case You Have to Cancel Your Trip

Trips get canceled, even when they are domestic trips. You could end up sick before you travel. Basically, anything that can happen for an international trip can also happen for a domestic trip. And when you consider that flying from one coast to the other is nearly 3,000 miles, canceling your trip is no small matter.

Coverage if Flights are Cancelled or Delayed

Winter storms, hurricanes, tropical storms -- there are a number of reasons for potential flight, train or even road delays when traveling within the USA. And while you may not be spending as much for a domestic trip as you would for an international trip, it can still be a good chunk of change you lay out.

When this type of delay happens, you can be facing longer stays with more hotel and food costs, something you didn’t budget for. You can also easily miss connecting flights or miss out on tour groups or events that you booked. Cover yourself with travel insurance in the USA, that way, if you do miss something on your trip for a covered reason, you can be reimbursed.

Replace Lost or Stolen Luggage

When you are traveling in the USA, there is a chance your luggage will be lost or stolen, especially if you’re flying. Other valuables can also be lost or stolen as well. When this happens, you don’t want to get stuck paying to replace what you’ve lost. With travel insurance in the USA, you can cover the cost of covered items with ease.

Coverage for Emergency Medical Situations

When you travel within the USA, you cannot always be guaranteed your health insurance will cover your medical costs, should you need urgent or emergency care. Some policies will cover you no matter where you are, but others may only cover you in certain areas.

The best thing is to check your health insurance policy and be sure of your coverage. If you are traveling somewhere you won’t be covered, getting travel insurance in the USA that will cover medical expenses is a good idea.

When You Don’t Need Travel Insurance in the USA

If you are taking a short trip and driving, or even taking the bus or train, travel insurance probably isn’t necessary or even possible to purchase.

A good rule of thumb is if you are traveling within 100 miles of home, you can generally avoid buying travel insurance in the USA. In fact, our plans won’t cover you if your trip is less than 100 miles from your home. If you are going to purchase a domestic plan, keep in mind that different plans cover you for specific distances from home. Make sure you read the policy in detail if you are taking a short trip.

It’s also important to consider how much you are spending on your trip and when you book it you should also consider if travel insurance in the USA is worth it.

Also read: Do You Really Need Travel Insurance?

In the end, you will need to assess your travel plans and the cost of your trip to determine if travel insurance in the USA is right for you. And if you do need travel insurance in the USA, Generali Global Assistance can provide you the right travel insurance plan to suit your needs.