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Panoramic view of the Manhattan skyline at dusk, with the Empire State Building and illuminated skyscraper spires glowing against a deep blue sky.

Travel Insurance for the United States, Fully Covered with LUMA

From cross-country road trips and national park visits to city breaks and domestic flights, LUMA travel insurance keeps your journey covered.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Switzerland.

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
United States calling? We go above and beyond to make sure your trip stays golden.
  • People rowing boats on the Central Park lake in autumn, with the San Remo's twin towers rising above the colourful trees.
    Palm trees and pastel art deco buildings lining a sunny street in Miami's South Beach.
    Visitors gathered on a rocky overlook at the Grand Canyon at dusk, with layered canyon walls fading into the twilight sky.

    01 Rushed to the emergency room in the US?

    US healthcare is the most expensive in the world for foreign visitors, and there is no government-funded universal care for tourists. Every bill, a doctor's visit, an ER trip, a hospital stay, falls entirely on you as a self-pay patient, often at the highest possible rate. A single emergency room visit can run into thousands of dollars before any tests, surgery, or specialist care are added. LUMA covers the eligible medical expenses under your plan, so an unexpected hospital visit doesn't turn into a financial emergency on top of a medical one.

  • The US Capitol dome glimpsed through a canopy of green trees along a shaded path.
    A stone archway with a carved clock face, with people strolling through toward a park beyond.
    Towering red sandstone cliffs of Zion Canyon viewed from above, with a road winding along the green valley floor under a clear blue sky.

    02 Road accident on an American highway?

    Long-distance road trips between national parks, cities, and states are part of what makes a US trip memorable, but the distances are vast, and the roads are busy. A collision or a serious fall can mean an ambulance ride, an emergency room visit, and specialist care, all at US rates. LUMA covers eligible medical costs from a road accident under your plan, and if the nearest facility isn't equipped for the injury, helps arrange transfer to one that is.

  • Pedestrians walking the Brooklyn Bridge's wooden promenade beneath its web of steel suspension cables.
    A colourful cluster of hand-painted directional signs pointing to destinations around the world.
    The Golden Gate Bridge's red suspension towers rise against a clear blue sky, framed by trees and wildflowers in the foreground.

    03 Ski injury on the slopes in Colorado or Utah?

    The resorts around Aspen, Vail, and Park City attract serious skiers, but a fall on piste can mean a mountain rescue, a clinic visit, or a hospital stay, all at US prices. All LUMA plans cover accidents while recreational skiing on marked pistes, as long as you're not competing or skiing professionally. LUMA covers medical costs and helps arrange transfer to a hospital if needed.

  • Snow-capped Mount Rainier rising above a green alpine meadow with a winding hiking trail.
    A cable car travelling down a tree-lined San Francisco street between tall buildings.
    A long straight desert highway stretching toward the sandstone buttes of Monument Valley on a hazy day.

    04 Flight grounded by a hurricane or severe weather?

    Hurricane season runs June through November and can ground flights and close airports across Florida, the Gulf Coast, and the Southeast with limited notice. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with expenses like meals or an overnight stay.

  • The Manhattan Bridge framed between brick buildings on a cobblestone street in Dumbo, Brooklyn.
    The glowing Chicago Theatre marquee lighting up a downtown street at night.
    Aerial view of Niagara Falls with mist rising from the cascading water, and a walkway winding through greenery toward the falls.

    05 US trip cancelled before you fly?

    A US trip, transatlantic or transpacific flights, and hotel bookings add up fast and are mostly paid ahead of time. If a serious illness, an injury, or a family emergency stops you from traveling, recovering that money on your own is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses for covered reasons like these.

Bronze statue silhouetted at night against the glowing, illuminated clock tower of Boston's Custom House.
Looking straight up at Seattle's Space Needle against a clear blue sky.
A highway curving through a narrow canyon of towering red rock cliffs. Shorter option:
An American flag flying over a busy Lower Manhattan street, with a gothic church spire framed between tall stone buildings.
The carved presidential faces of Mount Rushmore rising above the flag-lined Avenue of Flags under a cloudy blue sky.
Crowds filling Times Square beneath towering buildings covered in bright neon billboards.
A yellow water taxi cruising along the Chicago River between skyscrapers and under the city's steel bridges.
American flags hanging over a palm-lined street of storefronts on a hazy day.
The Hollywood Sign on the hillside above a sunny Los Angeles street with cars and a traffic signal in the foreground.
View from the Lincoln Memorial steps looking down the National Mall, with visitors walking toward the reflecting pool and Washington Monument
People rowing boats on the Central Park lake in autumn, with the San Remo's twin towers rising above the colourful trees.
Palm trees and pastel art deco buildings lining a sunny street in Miami's South Beach.
The US Capitol dome glimpsed through a canopy of green trees along a shaded path.
A stone archway with a carved clock face, with people strolling through toward a park beyond.
Pedestrians walking the Brooklyn Bridge's wooden promenade beneath its web of steel suspension cables.
A colourful cluster of hand-painted directional signs pointing to destinations around the world.
Snow-capped Mount Rainier rising above a green alpine meadow with a winding hiking trail.
A cable car travelling down a tree-lined San Francisco street between tall buildings.
The Manhattan Bridge framed between brick buildings on a cobblestone street in Dumbo, Brooklyn.
The glowing Chicago Theatre marquee lighting up a downtown street at night.

Your United States Travel Insurance Questions, Answered

Boats docked along Boston's Rowes Wharf, with the arched brick waterfront buildings and the Custom House Tower rising behind.

Extremely expensive, and unlike most countries, there is no government-funded universal healthcare for foreign visitors. Tourists are treated as self-pay patients, often billed at the highest possible rate. A routine doctor's visit costs between $250 and $350. An emergency room visit averages around $2,400 before tests or specialist care are added. A heart attack generates a minimum bill of around $25,000, and an ICU stay after a stroke can exceed $150,000. LUMA covers eligible medical expenses under your plan, so these costs don't fall entirely on you.

Yes, in some areas. Bag theft and pickpocketing are reported in tourist-heavy districts in cities like New York, Los Angeles, Miami and San Francisco, especially around busy transport hubs, beaches and entertainment districts. Keep valuables secure; use hotel safes for passports and documents. Be alert in crowded areas. Report theft to local police and keep the report for a stolen baggage claim under your LUMA policy.

Yes. Whether it's a sudden illness, a road accident, a ski injury in Colorado, or an allergic reaction needing emergency care, LUMA covers eligible medical and treatment costs under your plan. Given that US hospitals bill foreign visitors at the highest rates with no government subsidy, medical cover matters more here than almost anywhere. Medipro can also help you decide whether your symptoms need a doctor and what kind of facility makes sense.

Almost certainly, yes. Foreign visitors have no access to government-funded healthcare and are treated as self-pay patients. Emergency rooms will treat you in a life-threatening situation, but billing follows immediately, and the amounts can be extreme. LUMA covers eligible medical costs under your plan, and for a larger bill, direct billing can be arranged where available, so you're not settling the full amount yourself at the moment.

It depends on your nationality. As of 2026, the US Visa Waiver Program covers 42 eligible countries, allowing tourism stays of up to 90 days. Travelers from eligible countries must obtain an ESTA online at least 72 hours before departure. Travelers from countries not covered by the Visa Waiver Program, including India, must apply for a B-2 tourist visa through the US embassy or consulate in their country. Check current eligibility and the full list of participating countries on the official US Customs and Border Protection website before booking.

Yes. Hurricane season runs June through November and primarily affects Florida, the Gulf Coast, and the Southeast, and a serious storm can ground flights and close airports with limited notice. Monitor the National Weather Service before and during your trip, and build a buffer around travel days during peak season. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with reasonable expenses like meals or an overnight stay, with receipts and limits. A hurricane alone doesn't automatically trigger cancellation or interruption cover, so check your plan wording carefully.

Go places, we’ve got you covered.

  • Aerial view of the White House and its grounds, surrounded by the tree-lined streets and buildings of Washington, DC.
  • The Cincinnati skyline glowing at night, with city lights reflecting on the Ohio River and a bridge in the foreground.
  • The presidential faces of Mount Rushmore viewed past the state flags lining the Avenue of Flags.

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