You will find that you can buy worlwide holiday js insurance travel insurance for yourself, as a couple or as a family. This can be much cheaper than trying to buy polices separately for each person travelling. Very often, travel agents approach selling travel insurance by only selling per person.
The USA is not renown for offering free or cheap medical treatment. Many Americans would not consider ever not having health insurance, so it makes sense to never travel to the USA without worlwide holiday js insurance travel insurance. Even the smallest of treatments can cost more than your holiday did.
If you are in business and travel without warning, you may find many of the conditions of normal travel insurance insufficient. That is because many policies require you to pre-book any accommodation or flights, to prove you were in fact on your way to a destination for business.