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When you plan on travelling to America for a leisure vacation it is likely that your Life Insurance will be accepted at normal terms. Similarly, if you plan on visiting the USA for business purposes, trips of less than 30 days will be of little concern to insurers, who will probably offer Life Insurance at standard terms.

For those who are planning on travelling to America for more than 30 days at a time, you need to make sure that the Life Insurance provider that you approach with your application can give you favourable terms of cover. If you are travelling to the USA for work related purposes and your job is of a high-risk nature, it is important that you place your Life Insurance application with an insurer who can offer the best terms of cover when it comes to your occupation.

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British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.


Critical Illness Cover for people travelling to the USA should also be offered at standard terms in the majority of cases. The insurance provider that you approach will want to know how long you plan on staying in America for and the purpose of your journey. Short holidays of less than 30 days are unlikely to impact upon your Critical Illness application.

When you plan to travel to America for extended periods of time, your application for Critical Illness Cover may be looked at more closely than a simple family vacation. The main time that an insurer may look at offering non-standard terms for Critical Illness Cover with travel to the USA, is where your occupation is seen to be hazardous. In these instances it is essential that you approach an insurer who views your specific job duties in a positive light, to access the best terms possible for your circumstances.


Applying for Income Protection when you are travelling to the USA should be a pretty straight forward process and generally result in the policy being offered at normal terms. As with the above policy types, the insurer will want to know how long you plan on staying in America and if the trip is business related. If your journey to America is business related, you may be asked additional information about how many times you will need to be out of the UK in any given year due to your work, and the specific duties you will be required to perform whilst abroad.

Income Protection policies come with three main core definitions: own occupation, suited occupation and any occupation. You should aim to get Income Protection cover on an own occupation basis, giving you the strongest claims definition when it comes to this policy type.


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Are you planning on traveling to America? We work with a specialist travel insurance broker who can offer comprehensive travel insurance for most countries. Get your no obligation travel insurance quotation here.

USA GOV.UK Travel Advice
  • USA travel advice April 14, 2022
    Removal of information relating to incident at 36th Street Subway Station in New York City on Tuesday 12 April.


  • Primary Concerns: General public, terrorism, environmental factors
  • Reason for Travel: Business, leisure
  • Duration of Stay: Holiday break, sabbatical, employment contract
  • Popular Locations: Los Angeles, New York, Chicago, San Francisco, Boston, Seattle, California, Disneyland

The USA has a rich multi-cultural background that can offer anything from the glitz and glamour of Hollywood and Las Vegas, through to the mainly untouched natural environments of the Grand Canyon and Yellowstone National Park. It is hugely influential in the world, given that it is one of the largest countries in the world based on land area and population, and is one of the world’s largest economies. America has been the target of terrorist attacks in the past and currently remains in a high terror threat according to the UK government.

  • The first man to walk on the moon was the American Neil Armstrong.
  • The Museum of Modern Art, “The Met”, in New York has 17 acres of galleries.
  • Death Valley in California is the hottest place in the world.

By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).

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