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# Why does my travel insurance say “Excluding USA”?

If your travel insurance quote or confirmation email says **“Emergency Medical – Excluding USA,”** it usually means that during the quote you indicated that **your trip does not include the United States**.

Because medical care in the U.S. is extremely expensive, travel insurance that **excludes the U.S. is usually cheaper** than worldwide coverage that includes it.

But don’t worry — **this doesn’t always mean you can’t pass through the U.S. at all.**
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###### Quick answer

If you’re **just passing through the United States on the way to somewhere else**, your coverage may still apply.

TuGo policies allow **limited transit through the U.S.** even when your plan says *Excluding USA*.


###### What’s allowed under the TuGo policy

| Travel situation | Covered with “Excluding USA”? |
| ---- |
| ✈️ Short flight connection in the U.S. | ✅ Yes |
| ✈️ Overnight stop during travel | ⚠️ Usually, if under 48 hours |
| 🏨 Travelling to the U.S. as your destination | ❌ No |
| 🚗 Driving through the U.S. to reach another country | ✅ Yes (up to 5 days total transit) |

###### Policy limits

TuGo allows:

* Flight stopovers or layovers in the U.S. for up to 48 hours
* Land transit through the U.S. for up to 5 days when travelling to or from your destination

If you plan to stay in the United States longer than that, you should choose coverage that includes the USA.


###### Why the quote still asks about travelling through the U.S.

When getting a quote, the system asks whether your trip includes the U.S. because:

* Travel involving the U.S. **may cost more to insure**
* Some systems automatically switch your policy to **“Including USA”** if a U.S. connection is detected
* It helps avoid **coverage disputes if a claim happens during a layover**

###### Example

**Your trip:**

Canada → Los Angeles (3-hour layover) → Philippines

Even though your flight stops in the U.S., this would **still be allowed** under an **Excluding USA** policy because it's just a **short transit connection under 48 hours**.
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💡 **Tip:**

If you think you might **leave the airport, stay overnight longer, or spend time in the U.S.**, it’s safest to choose **coverage that includes the United States**.