Is the medical cost high in the United States? Do I need travel insurance?

The medical expenses in the United States are very high, so it is necessary to purchase travel insurance. Here is detailed information about medical expenses and travel insurance in the United States:

Medical expenses in the United States

-High medical expenses: The medical expenses in the United States are the highest in the world. In 2023, the per capita medical expenditure in the United States will be about 11000-12000 dollars, accounting for 18% of GDP. A regular outpatient visit can cost over $250, while emergency expenses can reach up to $2500, and medical expenses for serious illnesses or injuries can reach tens or even hundreds of thousands of dollars.

-Hospitalization costs: The average hospitalization cost in the United States can be as high as $20000 to $30000, which is only for basic treatment and does not include additional costs such as surgery, doctor fees, medication, etc.

-Prescription drug prices: The United States also has the highest prescription drug prices in the world, especially for new drugs and biologics.

The necessity of travel insurance

-Medical insurance: Travel insurance can cover medical expenses for sudden illnesses, including outpatient, inpatient, and emergency rescue services, to avoid financial difficulties due to high medical costs.

-Emergency rescue: Provide emergency medical transportation, medical consultation, and 24-hour assistance services to help respond to unexpected situations.

-Other protections: including compensation for risks such as travel delays, lost luggage, and itinerary cancellations.

Purchasing travel insurance is an important step in ensuring travel safety. It is recommended to carefully compare the terms and coverage of different insurance products before departure and choose the insurance plan that best suits your needs.