Travel Insurance for New York City
New York city travel insurance
New York city despite the title above is a city which really needs no introduction. Popularly known as 'The Big Apple', New York city houses the United Nations headquarters and is arguably the most cosmopolitan city in the world. New York city which is in New York state in the northeastern part of the United States of America has nearly 20 million residents and is the most populous city.
The capital of New York state is not New York city but Albany, and to distinguish New York City from the state, the state is often referred to as 'New York State'. Both the state and city of New York were named for the 17th century Duke of York, future King James II of England.
How much does visitor health insurance USA cost?
Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.
Why is travel insurance USA is so important? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.
How much does cheap visitor insurance in USA cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans.
The cost of visitor insurance is calculated based on one-month quotes.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors care | $25,000 - $100,000 | $100 | $19 - $41 | $29 - $62 | $64 - $144 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA visitor basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
How much does the best comprehensive visitor insurance cost per month?
The cost of comprehensive visitor insurance starts around $53 month, depending on factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $58 to $108 per month for a 35 year old traveler.
The cost of best visitor health insurance for visitors to USA is based on one-month quotes with a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| VenbrookPremier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Visitor health insurance for USA
Review US visitor insurance plan benefits.
How much does 6 month medical insurance for visitors to USA cost?
For a 60 years old traveler, the cost of USA visitor insurance for extended stay typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The best 6 month USA travel insurance which is affordable, reliable and essential depends on the age, medical needs, and traveler’s budget. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
Travel medical insurance for NYC
New York is known as the center for finance and culture and for its position as the largest gateway for immigration to the United States of America. From the early 19th century until the middle of the 20th century it became the major port of entry for immigrants coming to the USA. New York is also the destination of choice for many foreign visitors from all over the world. Tourism in New York currently attracts over 60 million visitors annually.
Visitors from the UK numbers about 1.2 million which is closely followed by visitors from China which is about 1 million visitors every year. While visitors from the UK has seen nominal growth, the number of Chinese visitors to New York has been growing at an incredible rate in the 21st century.
New Immigrants to New York and the need for new immigrants insurance
Migrating to a new city like New York and to a new country for better economic opportunities is inspiring; however it is very crucial that all new immigrants to the USA have US immigrant insurance on arrival. While the US offers its immigrants a world class health care system, it is also very expensive. Good US immigrant health insurance will provide coverage for medical expenses incurred in case of any injury or illness.
Buying US immigrant insurance is easy at American Visitor Insurance and New Immigrants can compare several plans for prices and benefits according to their specific needs. The 24/7 customer support service by licensed agents will provide answers to all questions by the customers with instant policy documents by Email. Feel free to give us a call and one of our customer support licensed agents will be able to help you.
Student medical insurance for International Students in New York
Aspiring to study in the US is a dream for international students from all around the world. The universities in and around New York city and in the state of New York offer an all rounded education for students. New York city is undoubtedly one of the most preferred cities in the US. The NYC universities offer an unequalled multicultural environment, buzzing city life, good professional connections and exceptional opportunities to work in the country after graduating.
NYU conducts several programs and events throughout the year to comfort the transition into student life and community development. Thousands of international students flock every year for higher studies in NYC and is home to the highest number of international students in the US. There are 17,000 international students and scholars from 140 countries.
International students can buy good international student medical insurance cheaper than university plans with similar coverage. Along with coverage for acute onset of pre-existing conditions, injuries from sports and other benefits, students can be confident of getting the student insurance plans at very affordable prices.
US Travel medical insurance for professionals traveling to New York
The US in general and New York is particular has millions of immigrants and working professionals arriving from all around the globe to start a new life. New York City is one of the most cosmopolitan cities in the world. Its strong economy offers opportunities for industries, digital media, biotechnology, software, media and entertainment, marketing, finance and public administration and in the healthcare industry.
Professionals working in New York should however be sure that they have good immigrant medical insurance. The US healthcare is expensive and visiting an US hospital without insurance is scary. A good immigrant medical insurance plan will provide coverage for unexpected medical emergencies that may occur while staying in the US. American visitor insurance offers best US insurance for acute onset of pre-existing conditions coverage at the best price.
Things to do in New York City, Travel health insurance NYC
Exploring Manhattan: Manhattan, one of the boroughs of New York is a city in itself. Alive 24 hours of the day, it has interesting sights at every intersection. Designed as a grid, it is easy to navigate and explore Manhattan. There are many iconic buildings, museums, churches, shops, theatres, parks and much more to see in Manhattan. You can explore Manhattan by foot, take the subway of hop on the tourist bus, each having a charm of its own.
Central Park: It is one of the most breathtaking and celebrated attractions. The fresh snowfall in the winter, the spectacular floral blossoms in springs, the steamy days of simmer, leaf-turning months of fall attracts a continuous stream of visitors from all over the world.
The High Line Guide: The highline has become a destination for sunbathing, sightseeing, snacking and viewing innovative art. Some of the attraction below the High Line is interactive inflatable park, a roller rink and beer gardens. Summer visitors can enjoy food, beverages and treats from the likes of La Newyorkina, Blue Bottle Coffee, Melt Bakery, Sigmund's Pretzels and The Taco Truck.
Must Try Pizza: Pizza can be considered as New York City's official dish. A slice represents quick lunch for office goers who want grab it and eat while walking down the streets. Slice is a rescue for visitors who look for quick and inexpensive snack between sightseeing stops. The best way to pick an argument between 2 New Yorkers is by asking where you get best slice.
TV Show Tapings: It is fun and free to attend popular TV shows recorded in New York City. The wait for ticket in the queue can be longer so it is better to write them well in advance to reserve tickets. Many shows will have standby options if you are ready to wait in line.
Staten Island: This is an unspoiled paradise in the New York City which is well known for picturesque parks, kid friendly activities, coastline attractions. There are several reasons which attract visitors to Staten Island such as greenest borough, more than 9,300 acres of parkland, the revolutionary war, rich history, abolitionist movement.
Travel insurance for New York City Visitors, Visitors Health insurance New York City New York city tourism attracts hundreds of thousands of travelers annually from all over the world. Those visiting New York for the first time or those frequent travelers must be aware of the extremely high cost of health care in NYC and the need for Visitor Insurance in case of a medical emergency.
The Visitors Insurance Features section has resourceful information and informs you of the important factors that you should consider while buying visitor medical insurance. Travel insurance plans designed by American insurance providers for foreign visitors provide effective coverage and help the insured face the expensive health care system in the USA.
Travel Insurance For New York City Residents: Whether you are just in for a quick shopping trip or are thinking of a longer stay, we can find the right policy for you! Try our Compare Visitor Insurance Tool to look at different policies and options. Plans are available for the short term so that visitors can buy insurance only for the days they spend outside New York. Do not risk an unforeseen medical bill, travel with peace of mind with good travel insurance during your trip to the US.
CFAR travel insurance New York
A planned vacation usually includes expensive airline tickets, cruise bookings and hotel reservations, many of these done well in advance of the actual travel dates. Given the many uncertainties in our lives, the very busy nature of our work and lifestyles, one cannot be sure that our planned travel plans will not need some changes.
Any unforeseen event like a medical illness of a friend or family member or even work related pressures can force changes in ones travel plans. It is here that best cancel for any reason travel insurance can make all the difference. New York Travel Insurance have optional benefit for “cancel for any reason”. That is you need to pay additional amount to get this benefit.
Best popular Cancel for Any Reason travel insurance plans
- ‘Cancel for any reason’ benefit is included in coverage.
- It covers up to 75% of trip cost insured.
- It must be purchased within 20 days of the date your initial trip deposit is received.
- Must insure 100% of prepaid trip costs subject to cancellation penalties or restrictions (and insure travel arrangements subsequently added to your trip within 20 days of payment).
- You must cancel your trip 2 days or more before your scheduled departure date.
- ‘Cancel for any reason’ benefit is available.
- Not available in NH, NY, WA.
- It must be purchased at the time of initial plan payment and within 10 days of initial deposit date for your trip.
- It covers up to 75% of non-refundable trip cost insured.
- Trip Cancellation: Up to a Maximum of $50K. ($30K for travellers above 80 years)
- ‘Cancel for any reason’ benefit is available.
- It covers up to 75% of trip cost insured.
- It must be purchased at the time of initial plan payment and within 21 days of initial deposit date for your trip.
- Trip Cancellation: Up to 100% of Trip Cost Insured.
- NOTE: Safe Travels Voyager is not available for residents of NY and WA.
- ‘Cancel for any reason’ benefit is available.
- It covers up to 75% of trip cost insured.
- It must be purchased at the time of initial plan payment and within 14 days of initial deposit date for your trip.
- Trip Cancellation: Up to 100% of Trip Cost Insured.
Safe Travels Armor cancel for any reason insurance
The Safe Travels Voyager has a high amount of coverage for Covid19 medical expenses. Under this policy travelers can also insure the non-reimbursable part of the trip. Given the Covid19 pandemic, it is advisable to get this coverage should your trip gets cancelled due to a border closure and where you need protection. By including “Cancel for any reason” (CFAR) you can recover up to 75 % of your expenses for a future trip.
Should you not buy this add-on cover, then the only reimbursement you are eligible for is the standard set of reasons under trip cancellation policies. For more details and conditions see the brochure. The CFAR rider should be purchased soon after the initial trip deposit is made within 10 days. With this cover you will get a visa letter stating that you have covid19 coverage and coverage for quarantine.
* Please note that the “Cancel for any reason” is NOT available for residents of NY and WA.
- ‘Cancel for any reason’ benefit is available.
- It covers up to 70% of trip cost insured.
- It must be purchased at the time of initial plan payment and within 21 days of initial deposit date for your trip.
- Trip Cancellation: Up to 100% of Trip Cost Insured.
- Optional Cancel for Any Reason Benefit (if purchased, not available to residents of NY)
- Travel insurance Select Plus and Elite options have cancel for any reason benefit
- It covers 75% of the Trip Cost (up to a maximum of $75K)
- It must be purchased at the time of initial plan payment and within 21 days of initial deposit date for your trip
- Must insure full trip cost subject to cancellation penalties or restrictions
- Must be insured within 21 days of payment
- A person traveling in an affected country who becomes ill, in which case emergency medical expense or emergency medical evacuation coverage may apply
- Cancel For Any Reason (CFAR) – this option must be purchased as an upgrade within 21 days of your initial trip deposit/payment. Other conditions apply – see plan details.
Crum & Forster considered this to be a foreseen event on 01/23/2020.
- Optional Cancel for Any Reason Benefit (if purchased, not available to residents of NY)
- Trip Care Complete Basic,Plus and Elite options have cancel for any reason benefit
- It covers 75% of the Trip Cost
- It must be purchased at the time of initial plan payment and within 14 days of initial deposit date for your trip
- Must insure full trip cost subject to cancellation penalties or restrictions
- Must be insured within 14 days of payment
- A person traveling in an affected country who becomes ill, in which case emergency medical expense or emergency medical evacuation coverage may apply, or
- Cancel For Any Reason (CFAR) – this option must be purchased as an upgrade within 14 days of your initial trip deposit/payment. Other conditions apply – see plan details.
- It pays 75% of your prepaid, non-refundable trip payments.
- Coverage must be purchased within 20 days of your initial trip deposit.
- You must cancel 2 days or more before your departure
- You must insure all nonrefundable prepaid trip costs.
- You must also insure the cost of subsequent travel arrangements added to your trip within 15 days of the payment/deposit for each of those arrangements.
- NOTE: Trip Protection Basic and Trip Protection Choice insurance is not available to Missouri, Montana, New York, Oregon, Pennsylvania, Washington.
Popular tourist destinations in New York City
Statue of Liberty
The Statue of Liberty was France's gift to America. Built in 1886, it remains a famous world symbol of freedom and one of the greatest American icons.
Metropolitan Museum of Art
The Metropolitan Museum of Art, or the Met, as it is commonly known, was founded in 1870. The permanent collection of The Met contains more than two million works of art, spanning a period of 5,000 years.
Empire State Building
The Empire State Building is one of New York's most famous landmark buildings. Topped with a mooring mast for airships, the Empire State Building immediately became a landmark and a symbol for NYC.
Brooklyn Bridge
The Brooklyn Bridge, with its Gothic-shaped arches and suspension cables, is one of the city's most recognizable landmarks and has inspired generations of poets, songwriters, and painters.
Popular city in New York - New York City
Travel Insurance New York, Tourist insurance New York – FAQs
1. Why is travel insurance to New York City so expensive?
There is no denying that travel insurance to New York City is sadly very expensive. The main reason for this is simply because the cost of healthcare in the New York City is very expensive and the travel insurance New York City costs are directly related to the healthcare costs.
One more factor for some New York City travel insurance plans to be very expensive is that there are specially designed travel insurance New York City plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
2. Is it too late to buy visitor insurance in New York City?
It's never too late to buy medical insurance for visitors to usa unless the traveler is already sick or injured. As long as the traveler is fine, health insurance to the visitors of New York City can be purchased at any time to provide coverage in case of future accident or illness.
There are a few policies for coverage in the New York City which have time limits on when you can purchase them since your latest arrival to the New York City. However, there are companies who do not mind how long you have been in the country, Find the best time to buy travel insurance
3. Which is the best visitor insurance in New York City?
The best visitor insurance in New York City will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the New York City. While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage.
The price will be higher if you need health insurance for visitors to New York City with pre-existing conditions. It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance New York City
4. Is there travel medical insurance available for Non-US citizens to New York City?
Yes, there are various travel insurance options for non-US citizens traveling to the US. American visitor insurance offers travelers some of the best New York City travel insurance choices that offer coverage for unexpected medical and travel events. For more details travelers can call the customer service or email and the team will be glad to help.
5. How much does travel insurance cost for New York City?
The cost of travel insurance for New York City depends on factors, such as:
- The age of the travelers
- The length of your trip
- The type of coverage you choose
- The deductible and co-payment options
- The insurance provider and plan you select
Travel insurance for NY city typically costs between 5% to 10% of the total trip cost depending on the plan you choose. Travelers can compare and get free quotes on American Visitor Insurance, a visitors medical insurance for New York City for a 50-year-old traveler can range from $2 to $5 per day, depending on the coverage limit and deductible. A travel insurance that covers trip cancellation, interruption, baggage loss, and medical expenses can range from $5 to $20 for the same traveler.
On American Visitor Insurance, visitors can easily compare visitors insurance and compare travel insurance based on the price as well as coverage details and buy the US travel insurance plan that is best suited to their needs.
6. Is travel insurance necessary for a trip to New York City?
Travel insurance is not mandatory for a trip to New York City, but it is wise to protect yourself from unforeseen risks and expenses given the very high cost of healthcare and all other expenses in NY city. Travel insurance can cover some of the following scenarios:
- You get sick or injured and need medical treatment or evacuation
- You have to cancel or cut short your trip due to an emergency or a covered reason
- You miss your flight or connection due to a delay or cancellation
- You lose your baggage or passport or have them stolen
- You face a legal liability or lawsuit for causing injury or damage to someone else
Travel insurance can give you peace of mind and financial security in case something goes wrong during your trip.
On American Visitor Insurance, tourists to NY city should compare visitors insurance and compare travel insurance based on the price as well as coverage details and buy the US travel insurance plan to find the best one for your needs and budget.
7. What does travel insurance for New York City typically cover?
Travel insurance for New York City typically covers some or all of the following:
- Medical expenses: This covers the cost of medical treatment or evacuation if you get sick or injured during your trip. Some plans may also cover dental expenses, prescription drugs, or repatriation of remains.
- Trip cancellation and interruption: This covers the non-refundable prepaid expenses of your trip if you have to cancel or cut short your trip due to an emergency or a covered reason, such as illness, death of a family member, jury duty, etc. Some plans may also cover trip delay or missed connection expenses.
- Baggage loss and delay: This covers the cost of replacing or repairing your baggage or personal items if they are lost, stolen, damaged, or delayed during your trip. Some plans may also cover baggage delay expenses, such as the cost of buying essential items until your baggage arrives.
- Travel documents and money: This covers the cost of replacing your passport, visa, tickets, or other travel documents if they are lost, stolen, or damaged during your trip. Some plans may also cover the loss of cash or travelers checks.
- Accidental death and dismemberment: This covers the payment of a lump sum amount to you or your beneficiary if you die or suffer a loss of limb or sight due to an accident during your trip.
The coverage limits of travel insurance for New York City varies depending on the provider and travel insurance plan selected.
8. Does travel insurance cover medical expenses in New York City?
Yes, most US travel insurance plans cover emergency medical expenses in New York City, up to a certain limit and subject to certain exclusions. Medical expenses can include the cost of medical treatment or evacuation if you get sick or injured during your trip.
However, you should be aware that:
- Travel insurance does not cover routine or preventive care, such as check-ups, vaccinations, or physical exams.
- Travel insurance usually does not cover pre-existing medical conditions, or might cover an acute onset of a pre-existing condition.
- Travel insurance does not cover expenses related to pregnancy, childbirth, or abortion, unless they are due to a complication or an emergency.
- Travel insurance does not cover expenses related to mental or nervous disorders, substance abuse, or suicide attempts.
- Travel insurance does not cover expenses related to cosmetic or elective surgery, unless they are medically necessary due to an accident.
Travelers should also keep all the receipts and documents related to your medical expenses and contact your insurance provider as soon as possible in case of a claim.
9. Does travel insurance cover trip cancellation or interruption for New York City?
Yes, US travel insurance plans with trip cancellation or interruption coverage for New York City will cover these expense, up to a certain limit and subject to certain exclusions. Trip cancellation or interruption can include the non-refundable prepaid expenses of your trip if you have to cancel or cut short your trip due to an emergency or a covered reason. Some plans may also cover trip delay or missed connection expenses.
However, you should be aware that:
- Travel insurance does not cover cancellations or interruptions due to a change of mind, a pre-existing medical condition, a pandemic, a war, a terrorist attack, or a natural disaster, unless you have a specific rider that covers them.
- Travel insurance does not cover cancellations or interruptions due to a work-related reason, unless you have a specific rider that covers them or you can provide proof of involuntary job loss.
- Travel insurance does not cover cancellations or interruptions due to a visa denial, unless you have a specific rider that covers them or you can provide proof of timely and complete visa application.
- Travel insurance does not cover cancellations or interruptions due to a travel advisory or warning, unless you have a specific rider that covers them or you can provide proof of unavoidable and unforeseeable circumstances.
10. Will travel insurance reimburse me for lost baggage in New York City?
Yes, most US travel insurance plans with trip cancellation coverage will reimburse you for lost baggage in New York City, up to a certain limit and subject to certain exclusions. Lost baggage can include the cost of replacing or repairing your baggage or personal items if they are lost, stolen, damaged, or delayed during your trip. Some plans may also cover baggage delay expenses, such as the cost of buying essential items until your baggage arrives.
11. Can I purchase travel insurance for New York City if I am already in the city?
This depends on the insurance provider and plan you select. Some travel insurance companies allow you to purchase travel insurance for New York City if you are already in the city, but they may have some restrictions or limitations, such as:
- A waiting period before the coverage starts, usually 24 to 72 hours A reduced coverage limit or benefit amount
- A higher premium or deductible
- A proof of health or medical examination
- An exclusion of pre-existing medical conditions or any illness or injury that occurred before the purchase
- Other travel insurance companies may not allow you to purchase travel insurance for New York City if you are already in the city, as they may consider it a high-risk or fraudulent situation.
Visitor insurance for New York City
Travel insurance for USA resources
Short term health insurance NYC resources.
Factors for vacation insurance
Factors for the best vacation insurance in NYC.
Types of New York City tourist insurance online
Different tourist insurance options.
NYC vacation insurance claims procedure
Vacation insurance claims process.
New York tourist insurance - Links
Temporary health insurance New York FAQ
FAQs about travel medical insurance for New York.
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