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Travel insurance for Orlando: why UK visitors need it and what to check

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The short answerUS healthcare is very expensive, and the UK GHIC does not cover the USA, so travel insurance with strong medical cover is essential for Orlando. Check the medical limit, cover for pre-existing conditions, cancellation and hurricane disruption, and the excess before you buy.
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Photo: Gustavo Fring / Pexels
In this guide
  1. Step 1: Check medical cover
  2. Step 2: Declare pre-existing conditions
  3. Step 3: Check cancellation and disruption
  4. Step 4: Note the excess and the process

This is general information, not financial or insurance advice.

1Check medical cover

Look for a high medical limit that is appropriate for the USA.

2Declare pre-existing conditions

Be honest on declarations, or a claim could be refused.

Palm trees against a bright blue sky
Photo: Airam Dato-on / Pexels

3Check cancellation and disruption

Look for cover for cancellation, missed flights and hurricane disruption.

In the USA, a hospital visit without insurance can cost more than the whole holiday.

4Note the excess and the process

Save the emergency number and policy details on your phone.

Details change. Check official sources and the provider before you book or travel.

This guide is part of our complete Orlando travel guide for UK visitors. See all practical guides guides.

Frequently asked questions

Does the GHIC cover me in the USA?

No. The UK GHIC does not cover healthcare in the USA.

Is travel insurance necessary for Orlando?

It is strongly recommended because of US healthcare costs.

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