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Travel Insurance - Transiting USA only - which zone?

I'm about to book our travel insurance for our trip to New Zealand in November.
The form is asking where we are going and the two worldwide options are "Worldwide including the US" and Worldwide excluding the US".

Our flight home stops in Los Angeles but we are only going to be in transit for a couple of hours. Does that mean I need the "including the US" option?

Thanks.
"If you think it's expensive to hire a professional to do the job, wait until you hire an amateur." -- Red Adair

Comments

  • dzug1
    dzug1 Posts: 13,535 Forumite
    10,000 Posts Combo Breaker
    Yes - you should include the US.

    If anything were to happen to you on the brief stay in the US you'd be in deep lumber. The possibility may be remote but it's not non-existent
  • pimento
    pimento Posts: 6,243 Forumite
    Part of the Furniture 1,000 Posts
    Damn. I have to declare a medical condtion and it's going to be really expensive.
    "If you think it's expensive to hire a professional to do the job, wait until you hire an amateur." -- Red Adair
  • Voyager2002
    Voyager2002 Posts: 16,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Contact the insurance company: they might be able to work something out.

    Alternatively: get just medical cover for the day(s) on which you will be in the USA. Probably the only company that would do this for you is Global Nomads, who are based in Australia but insure people living in most developed countries.
  • pimento
    pimento Posts: 6,243 Forumite
    Part of the Furniture 1,000 Posts
    Oh well, it's booked £161 for both of us and including my dodgy kidneys. A small price to be covered I suppose.
    "If you think it's expensive to hire a professional to do the job, wait until you hire an amateur." -- Red Adair
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