Tower Hill Travel Insurance
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Visitor Insurance for United Kingdom

Visitor Insurance for UK Citizens Traveling to the USA

The NHS is free at home — but it has zero coverage in the United States. One medical emergency abroad can cost you more than £50,000.

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The Coverage Gap

The NHS Does Not Cover Any Medical Treatment in the USA

The NHS (National Health Service) is one of the world's most comprehensive domestic health systems — but its coverage ends at the UK's borders. The NHS does not cover medical expenses in the United States, and the UK and US ended their reciprocal arrangement decades ago. A US ER visit averages $3,100; one hospital night costs $11,700. British nationals visiting family in the US — including a large diaspora in New York, Los Angeles, and Houston — carry full financial exposure: a single hospitalisation can exceed £9,200 per night with no NHS reimbursement.

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The UK and USA have no healthcare reciprocal agreement — NHS coverage is 100% invalid in the United States.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0–$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does my UK travel insurance cover medical emergencies in the USA?
Many standard UK travel insurance policies include some US medical coverage — but limits vary enormously and may not reflect the true cost of US care. Budget UK policies often cap medical coverage at £2–5 million, which sounds large but can fall short with complex US billing. It's worth comparing dedicated visitor plans that specifically address US healthcare costs and often provide higher limits with no currency conversion issues.
Does the NHS cover me if I get sick in the USA?
No. The NHS provides zero coverage outside the UK. The UK-USA reciprocal healthcare arrangement ended decades ago. Any medical treatment you receive in the United States — from an ER visit to surgery — is entirely out-of-pocket unless you have valid visitor or travel insurance. An ER visit alone averages $3,100; a single hospital night averages $11,700.
Do UK citizens need a visa to visit the USA?
UK citizens are eligible for the Visa Waiver Program (ESTA) and can visit the USA for up to 90 days without a visa. An approved ESTA is required before departure. For longer stays, a B-1/B-2 visa is required. Visitor insurance is not mandatory for either, but strongly recommended.
How much does visitor insurance cost for UK citizens?
Plans typically start around $1.10–$2.00 per day. A healthy UK adult under 60 visiting for 30 days usually pays $35–$75. Rates increase with age. Travelers over 70 or those requesting pre-existing condition coverage will see higher premiums. Get an exact personalized quote instantly — no personal information required.
What visitor insurance plan is best for UK citizens visiting the USA?
For most UK visitors, IMG Patriot America Plus is the most popular choice — A-rated, comprehensive, and includes acute onset pre-existing condition coverage. Trawick Safe Travels USA Comprehensive offers strong value. WorldTrips Atlas America is ideal for older UK visitors or those with cardiac history, with coverage up to $2,000,000.
How long does it take to get covered?
Coverage is instant — compare plans, purchase online, and receive your policy documents and insurance ID card by email within minutes. No waiting, no forms to post. You can purchase before you travel or after arrival in the USA.
Does visitor insurance cover pre-existing conditions for UK visitors?
Most plans include acute onset coverage — meaning if you have a known condition (like heart disease or diabetes) and suffer a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine management of stable conditions is not covered. This is important for UK visitors over 60 who may have managed conditions that are perfectly stable but could flare up unexpectedly.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for UK Citizens in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for UK Citizens.

Read Guide
Parents Guide

Visitors Insurance for UK Citizens Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting United Kingdom

Your US health insurance won't cover you in United Kingdom. Compare international plans for Americans.

Read Guide

For UK Citizens Traveling to Other Countries

International Travel Insurance for UK Citizens

Planning a trip to Europe, Asia, or beyond? United Kingdom's health coverage provides no protection abroad. Compare plans for UK Citizens traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇦🇺Australia🇨🇦Canada🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇮🇳India🇵🇭Philippines🇨🇳China🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia🇳🇬Nigeria
Browse all 194 countries →See all visitor insurance plans →
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