21 Oct 2026
Cyclone — United States
699.6 km — GDACS report in progress — UN / European Commission
Maximum Alerts / United States
United States
Level read 25 October 2026 · source checked daily
United States — as of 25 October 2026, the U.S. Department of State publishes no travel advisory for this country, so there is no official level to cite here. No advisory is not a green light: it means no level has been published, not that the risk is nil. Maximum Insurance covers this country.
Four official readings
Is the whole country advised against?No advisory publisheda state does not publish a travel advisory on itself
our reading: no advisory published on this country
FranceFrance Diplomatiesource ↗Added on top of the U.S. level, under its own rules: red or orange AREAS
Is the whole country advised against?Nono restriction on the whole country
our reading: no area of the country is classified red or orange
Is the whole country advised against?Nono restriction on the whole country
our reading: no travel advised against
source reviewed 18 August 2026Is the whole country advised against?Nono restriction on the whole country
our reading: the FDFA advises against no travel
One source could not be read: the cell says so — that is not an answer.
The three readings that take a position agree: no restriction on the whole country.Our comparison reading: 24 October 2026
How we read these four advisories
Every country has its own scale, so we ask them all the same question: is the whole country advised against?
An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.
The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.
Regional map…
12 events in progress2 recorded incidents (UCDP)hover, click to open it in the briefing
Country briefing
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In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
What Maximum knows
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
What I say on the phone
- I am insured with Maximum, here is my policy number. Where should I go? Send me to a hospital in the Maximum network.
- Send the payment guarantee to the hospital: I do not want to pay anything up front.
- For non-urgent transport or repatriation, tell me what you authorise and arrange. In a life-threatening emergency, I call local emergency services immediately.
What to do, in this order
1Contact assistance without delay›
Otherwise: reduced or refused reimbursement
In immediate danger, call local emergency services first. Then contact assistance without delay; before engaging a service, seek approval under your policy. Cover is confirmed by the insurer.
2Ask where to get care›
Check the facility and cover
Ask assistance where to get care and whether direct cover can be arranged. It confirms the facility and seeks the insurer's approval under your policy. In immediate danger, call local emergency services first.
3See a doctor the same day›
Otherwise: nothing is covered
Even for a pain you meant to shrug off. Without a medical certificate written on the spot, the same day, the insurer cannot cover the event — a certificate written after you return does not count.
4Admitted? Have the hospital front desk call Maximum›
An up-front payment may be requested
The hospital desk sends the request to assistance. Direct payment depends on the insurer's approval and the policy; the call alone does not guarantee it. Have the response confirmed before relying on no up-front payment.
5For non-urgent transport, seek assistance approval›
Without approval, transport may remain at your expense
In a life-threatening emergency, call local emergency services immediately. For an arranged transfer or repatriation, contact assistance: the insurer's medical team decides on measures under the policy. A medical flight booked without approval may not be reimbursed.
6Once home, report the claim within 30 days›
Otherwise: reduced or refused compensation
Even if everything went well on the ground. Send your invoices and the medical report within 30 days; after that, compensation may be reduced or refused.
Places read from OpenStreetMap, within a circle of about 12 km: phone, email, address, website and hours when the source publishes them. No customer reviews, that source has none. Straight-line distances.
The comparator
What is your current insurance?
The verdict
No area exclusion at this level — but three written limits: deductible and prior approval, 90-day cap, advance under conditions.
Exact wording (official French text): « Des Voyages vers des pays où Votre gouvernement a conseillé de ne pas voyager » — general exclusion n° 11, applying to ALL travel covers.
Line by line
Territorial exclusion at this level
No territorial exclusion at this level — the clause targets countries your government advised against travelling to
Covered — the core of the Maximum contract
Medical expenses cap abroad
€2M — but 10% deductible (€150–500), insurer's prior approval, trip paid with the Card
EUR 1.5M emergency medical expenses
Hospital deposit before admission
Advance possible — prior approval required before care
Direct payment guarantee: the insurer settles the hospital
Trip duration covered
Maximum 90 consecutive days per trip
12 months, unlimited trips
Visa certificate (incl. Schengen)
Not provided
Official named certificate, issued on payment
Notices vary by bank and vintage — yours prevails. On the right: the Maximum contract (public documents).
What is happening in United States right now
Live alerts and level changes, each with its official source. Continuously updated.
What governments have just written
L'agence météorologique américaine a émis un avertissement concernant le typhon Champi, qui a touché l’île de Guam samedi et provoqué de fortes précipitations, des inondations côtières et de très fortes rafales de vent (140 km/h en moyenne, avec des pics à 190). Des dégâts importants et de multiples coupures d’électricité sont à déplorer. Bien que le typhon s’éloigne désormais de Guam, des rafales de vent pouvant atteindre de 60 à 100 km/h sont attendues dans les prochaines…
France Diplomatie (in French) · posted 18 October 2026diplomatie.gouv.fr ↗updated 23.10.2026 · read 25.10.2026Le Nord-Ouest des Etats-Unis continue de subir des feux de forêt importants, avec 50 grands incendies non maîtrisés dans les États de Washington (près de Spokane et Little Giant) et de l'Oregon (Coleman Creek, Rowe Creek et Big Grass). Des évacuations et des fermetures de routes restent en vigueur dans certaines localités de ces Etats. Il est recommandé de faire preuve d’une grande vigilance lors des déplacements dans ces États et de suivre les instructions des autorités…
France Diplomatie (in French) · posted 5 August 2026 · updated 7 August 2026diplomatie.gouv.fr ↗updated 23.10.2026 · read 25.10.2026Health – Outbreak Monitoring – Dengue in Hillsborough County, Florida (updated)
October 15, 2026 08:53 EDTtravel.gc.ca ↗updated 15.10.2026 · read 25.10.2026No level change recorded for this country since the log opened. The live alerts above are updated continuously.
Frequently asked questions — travel insurance United States
24/7 support number — +41 22 ••• •• ••An adviser goes through each question with you until you have an actionable answer: cover, hospital, entry rules, claims. Full number in your client area. You can also ask Maximum directly, just below these questions.
What is the official risk level in United States today?
The State Department does not rate its own country: read the three other official readings.
- Is the whole country advised against? France: no · United Kingdom: no · Switzerland: no (reading of 24 October 2026).
- Contractually, only an FDFA, FOPH or WHO advisory against the trip opens Module A (art. 18.1) — that is not the case today.
- We check these sources every morning and e-mail you the day one changes (Alerts button).
Sourcestravel.state.gov · read 25.10France Diplomatie · updated 23.10 · read 25.10DFAE · updated 20.07 · read 25.10207-country comparison
Is the whole of United States advised against, or only some areas?
An area advised against does not rule out the country.
- Official answers: France: no · United Kingdom: no · Switzerland: no.
- Keep your country of residence's advisory on booking day and on departure day: that is what your policy's clauses cite.
SourcesFrance Diplomatie · updated 23.10 · read 25.10Foreign Office · updated 18.08 · read 25.10State Department · read 25.10
What are the entry requirements for United States with my passport?
The rules depend on the passport, not on the destination alone.
- French passport (France Diplomatie): French nationals travelling to the USA under the Visa Waiver Program require an electronic travel authorization (ESTA) before departure. French nationals with passports not eligible for the Visa Waiver Program, or for stays longer than 90 days, must obtain a visa. A passport valid for at least six months beyond the departure date is recommended, despite agreements exempting French nationals from this rule.
- British passport (Foreign Office): British citizens travelling to the US must have a valid visa or an approved Electronic System for Travel Authorisation (ESTA) prior to travel. Your passport must be valid for the duration of your planned stay in the United States. US authorities strictly enforce entry rules; failure to comply may result in detention or refusal of entry.
- American passport: the requirements are on the State Department country page (travel.state.gov).
- Swiss passport: the FDFA refers you to the destination's embassy in Switzerland.
- Pick your passport at the top of Before you go › Entry: the official text that concerns you comes first, with its “In brief” summary.
SourcesFrance Diplomatie · updated 23.10 · read 25.10Foreign Office · updated 18.08 · read 25.10State Department · read 25.10
Do I need an insurance certificate for a United States visa?
For a Schengen visa, yes: at least €30,000 of travel medical insurance (Regulation (EC) No 810/2009, art. 15).
- Many other countries ask for it on entry or for a visa, case by case: check Before you go › Entry, with your passport.
- Subscribe: the named certificate arrives by e-mail on payment, with your name, dates and limits (EUR 1.5M medical expenses, unlimited evacuation and repatriation) — the ones consulates check.
- Attach it to the visa file; if in doubt about the format, write to us.
SourcesRegulation (EC) 810/2009, art. 15General conditions, policy 20 00 479
What does Maximum Insurance do in United States, concretely?
VIP Pack — €990 for twelve months, unlimited trips.
- EUR 1.5M emergency medical expenses, unlimited medical evacuation and repatriation, search and rescue USD 50,000, cancellation or change USD 5,000.
- One 24/7 number, +41 22 ••• •• ••: Maximum sends its direct payment guarantee to the hospital (art. 2.12).
- Network of 45,000 providers (art. 6.9); evacuation is decided, organised and paid by Maximum's medical team if the local facility is not enough (art. 6.2.2).
- Named certificate by e-mail on payment, no medical questionnaire.
SourcesGeneral conditions, policy 20 00 479OpenStreetMap · read 25.10
How much does a medical repatriation from United States cost?
From 55 000 € to 260 000 € depending on severity and distance (Staysure (sinistres 2023-24), 2025).
- Without cover: the hospital asks for a deposit before admission, and the medical flight is paid up front.
- With the VIP Pack: the evacuation is decided and settled by Maximum (art. 6.2.2) — no advance, no cap.
SourcesStaysure (sinistres 2023-24), 2025General conditions, policy 20 00 479
What should I do if hospitalised in United States?
Six steps, in this order.
- 1. Call +41 22 ••• •• •• before paying anything, or have the front desk call: it is the condition for full cover (otherwise: reduced or refused benefits).
- 2. Ask for a hospital in the Maximum network (art. 6.9).
- 3. See a doctor the same day and leave with the certificate: without an on-the-spot finding, nothing is covered (art. 33).
- 4. Admitted for more than 24 h? The front desk calls Maximum: direct payment guarantee, no deposit (art. 2.12).
- 5. Book no ambulance or flight yourself (art. 6.2.2).
- 6. Once home, file within 30 days (art. 35.7).
- Local emergency services: single number 911.
SourcesSpecial conditions 01.26General conditions, policy 20 00 479
Which emergency numbers in United States?
Local emergency services: single number 911
- Maximum, 24/7, before any payment: +41 22 ••• •• ••.
- France — Mission UN de la France (5.3 km) · +1-212-702-4900
- Switzerland — Permanent Mission of Switzerland to the United Nations (4.7 km)
- United Kingdom — Permanent Mission of the United Kingdom to the United Nations (5.3 km) · +1 212-745-9200
- United States — Permanent Mission of the United States to the United Nations (5.1 km) · +1-212-415-4000
- Save these numbers before leaving; in immediate danger, call local emergency services first, then Maximum.
SourcesEmergencyNumberAPI · Wikidata · read 22.10OpenStreetMap · read 25.10
Is an Amex, Visa or Mastercard enough in United States?
Card by card:
- Amex Platinum — No area exclusion at this level — but three written limits: deductible and prior approval, 90-day cap, advance under conditions.
- Visa — No express area exclusion — but a €156,000 cap, 90 days, and the war/instability exclusion in the background.
- Mastercard — No exclusion in play at this level — but a €155,000 cap and 90 covered days.
- Three lines to read in your notice: the duration (often 90 days per trip), the settlement (reimbursement afterwards or direct payment of the hospital) and the area exclusion at level 4/4.
SourcesAmex Platinum France T&Cs, 01.2025 — general exclusion n° 11BNP Paribas Visa Infinite notice (policy PT7), 04.2025 — comFortuneo World Elite Mastercard notice, 01.2026 — art. 5.5 '
Are a health plan or a travel policy enough in United States?
A health plan reimburses at home; here, the hospital asks for a payment guarantee before admission.
- Health plan — A health plan treats you at home. Here the hospital asks for a guarantee before admission — not a later reimbursement.
- Travel policy — No area exclusion at this level — compare cap, deductible and covered duration.
- A travel policy often has a territorial clause at level 4/4 and a 90-day limit per trip.
- Have your IPID number or the PDF of the terms and ask an expert to call you back: the answer is in the document, not in the brochure.
SourcesGeneral conditions, policy 20 00 479
How do I use the medical network on this page?
The page reads hospitals, pharmacies and doctors from OpenStreetMap, around the point you choose.
- Type your city, hotel or beach: the map re-centres, 24/7 emergency rooms come first.
- Each row gives the phone when the source publishes it, the nearest street, directions and the Google Maps listing.
- The PDF briefing repeats the same places, numbered on a printable map.
- No customer reviews: OpenStreetMap has none, and we invent none.
Which vaccines and health precautions for United States?
The sourced detail is under Medical network › Health: vaccines, diseases present, altitude, outbreaks.
- France Diplomatie reports in the country: dengue, chikungunya — mosquito protection day and night.
- WHO: 2 outbreak alert(s) for this country in the last 24 months, including “Avian Influenza A(H5N5)- United States of America” (5 December 2025).
- See a doctor or a travel clinic 8 weeks before departure (Foreign Office).
- Carry your medicines in their packaging, with a prescription using international non-proprietary names (France Diplomatie).
SourcesCDC Travelers' HealthFrance Diplomatie · updated 23.10 · read 25.10OMS · updated 05.12 · read 25.10Foreign Office · updated 18.08 · read 25.10
Can I be treated in United States, or will I be evacuated?
3.7 physicians per 1,000 people (2022) versus 4.5 in Switzerland.
- 2.7 hospital beds per 1,000 people versus 4.4 in Switzerland (World Bank).
- Medical density comparable to Switzerland: the local network handles most cases; repatriation remains a question of convalescence and cost. Health spending of 13,473 USD per person (Switzerland: 11,784): expensive care, settled directly by the insurer with the payment guarantee.
- When the local facility is not enough, Maximum's medical team decides the evacuation to a suitable centre, and pays for it (art. 6.2.2).
SourcesWorld Bank · read 24.10General conditions, policy 20 00 479
United States: safety, in figures?
5.8 homicides per 100,000 people (2023) versus 0.6 in Switzerland and 1.3 in France.
- 12.7 road deaths per 100,000 people versus 2.2 in Switzerland (World Bank, WHO).
- UCDP (Uppsala University): 2 geolocated violent incidents, 4 deaths over the last closed period, each placed on the map.
- The homicide rate is 10 times Switzerland's: violence is a real risk there, concentrated in the areas named by the official advisories. On the road, 6 times more deaths than in Switzerland: road crashes are the leading cause of death of healthy travellers (CDC) — seat belt, no night driving, a driver or a taxi from a rank.
Where is my embassy in United States, and why register?
The nearest representations, by passport (OpenStreetMap):
- France — Mission UN de la France (5.3 km) · +1-212-702-4900
- Switzerland — Permanent Mission of Switzerland to the United Nations (4.7 km)
- United Kingdom — Permanent Mission of the United Kingdom to the United Nations (5.3 km) · +1 212-745-9200
- United States — Permanent Mission of the United States to the United Nations (5.1 km) · +1-212-415-4000
- Register before leaving: France: Ariane · Switzerland: Travel Admin · United Kingdom: Foreign Office alerts · United States: STEP.
- Two minutes, and in a crisis your country's authorities can reach you and count you in an evacuation.
- Pick your passport at the top of Contacts: your embassy comes first.
SourcesOpenStreetMap · read 25.10DFAE · updated 20.07 · read 25.10
Which regions of United States should I avoid, precisely?
No region is advised against by the official readings checked (Global Affairs Canada, Foreign Office and France Diplomatie): the national advice applies everywhere.
- Your point (New Jersey): country-wide vigilance.
- Maximum does not exclude these areas: the VIP Pack covers care and repatriation there (sanctions, embargoes and a country already at war at departure remain enforceable).
SourcesGlobal Affairs Canada · updated 15.10 · read 25.10Foreign Office · updated 18.08 · read 25.10France Diplomatie · updated 23.10 · read 25.10
Which laws and customs should I know in United States?
Local laws apply to every traveller; here is what the official texts say.
- Canadian citizens must carry government-issued photo identification and photocopies of their passport's identification page, and be prepared to show proof of legal status in the U.S. at any time.
- Bringing cannabis across the Canada-U.S. border is illegal under U.S. federal law, even if legal in the destination state, and can lead to prosecution, fines, and jail time.
- Personal prescription medication should be packed in original packaging with dispensary labels, include a duplicate prescription, and not exceed a 90-day supply plus an additional week.
- Federal forms and processes in the U.S. may now request sex assigned at birth, and laws affecting 2SLGBTQI+ persons vary by state and municipality.
- Canadian citizens driving in the U.S. can use a valid Canadian driver's license, but must be aware that traffic laws and mandatory automobile insurance requirements vary by state.
SourcesGlobal Affairs Canada · updated 15.10 · read 25.10Foreign Office · updated 18.08 · read 25.10
Who can I call at any hour from United States?
Every foreign ministry runs a 24/7 emergency line for its nationals.
- France — Crisis and Support Centre — French Ministry for Europe and Foreign Affairs: +33 1 53 59 11 00. 24/7 emergency line, standard rate. First contact abroad: the French embassy or consulate.
- Switzerland — FDFA Helpline: +41 58 465 33 33 · +41 800 24 7 365. 24/7, 365 days a year — helpline@eda.admin.ch. Beware of scam calls spoofing these numbers.
- United Kingdom — Foreign, Commonwealth & Development Office: +44 20 7008 5000. 24 hours, for British nationals.
- United States — Overseas Citizens Services — U.S. Department of State: +1 202 501 4444 · +1 888 407 4747. From abroad; the second number from the U.S. and Canada.
- On site, Mission UN de la France: +1-212-702-4900.
Sourcesdiplomatie.gouv.fr · updated 23.10 · read 25.10eda.admin.ch · updated 20.07 · read 25.10
What should I keep after leaving United States, and how do I file a claim?
Keep the entry stamp, the invoices, the prescriptions and the medical report.
- File within 30 days (art. 35.7) from your client area, with the documents; the official forms are pre-filled.
- Costs advanced on site are reimbursed against receipts.
- Fever, persistent diarrhoea or a rash in the following weeks? See a doctor and say where you have been — dengue, chikungunya circulate in the country (France Diplomatie).
SourcesGeneral conditions, policy 20 00 479
What does the Pack VIP Extreme add?
Cancellation or change up to USD 20,000, special risk USD 5,000 per person, crisis management and security, optional Kidnap & Ransom.
- Special risk (Module A): political event, attack, epidemic, natural disaster — opens when the FDFA, the FOPH or WHO advise against the trip (art. 18.1).
- Epidemic: assistance must be requested within 7 days of the WHO or FDFA qualification (art. 36.2).
- Crisis management and security: trip registration, monitoring, extraction, evacuation in case of riot, war, terrorism or disaster; Kidnap & Ransom subject to eligibility (art. 18.4).
- €2,290 a year, unlimited trips.
SourcesGeneral conditions, policy 20 00 479
A question not answered here? Ask Maximum below, or call the support number: every question gets a clear, actionable answer.
A question? Maximum answers.Answers built from the United States file and your policy.
On site
My cover
Prepare
Claims
Subscribe
In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
What Maximum knows
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
Travelling to New York, Los Angeles, Miami: what changes
The published advisory level is national, but risk is not: business hubs (New York, Los Angeles, Miami) do not share the profile of border areas. The medical network shown here is computed around New York — the city you searched for — not around Washington D.C., the capital. Before a specific trip, always cross-check your country of residence's advisory: that is what your policy cites.
Cross-check with official sources
The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.
The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.