A trip to the United States usually involves careful planning. Flights, visas, and hotels get priority, but medical risk is often overlooked. That can be costly, because treatment in the US is expensive, and even one emergency visit can upset your travel budget. This is where travel insurance becomes important.

Many travellers assume every medical issue will be covered. That is not how policies work. Coverage depends on definitions, exclusions, and what qualifies as an emergency. Read on to learn more.