{"id":3725,"date":"2025-11-11T12:50:42","date_gmt":"2025-11-11T11:50:42","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3725"},"modified":"2025-11-11T12:50:44","modified_gmt":"2025-11-11T11:50:44","slug":"jak-se-pojistit-do-usa","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-se-pojistit-do-usa\/","title":{"rendered":"Jak se pojistit do USA: Cestovn\u00ed poji\u0161t\u011bn\u00ed nepodce\u0148te"},"content":{"rendered":"\n<p>N\u00e1v\u0161t\u011bva Spojen\u00fdch st\u00e1t\u016f americk\u00fdch je pro mnoho lid\u00ed spln\u011bn\u00edm celo\u017eivotn\u00edho snu &#8211; zem\u011b obrovsk\u00fdch m\u011bst, n\u00e1rodn\u00edch park\u016f a ikonick\u00fdch m\u00edst, kter\u00e1 zn\u00e1me z film\u016f, m\u00e1 rozhodn\u011b co nab\u00eddnout a l\u00e1k\u00e1 turisty z cel\u00e9ho sv\u011bta. V\u00edte, jak se pojistit do USA?<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#proc-je-cestovni-pojisteni-do-usa-nutnost\">Pro\u010d je cestovn\u00ed poji\u0161t\u011bn\u00ed do USA nutnost?<\/a><\/li><li class=\"\"><a href=\"#jak-vysoky-limit-cestovniho-pojisteni-zvolit-do-usa\">Jak vysok\u00fd limit cestovn\u00edho poji\u0161t\u011bn\u00ed zvolit do USA?<\/a><\/li><li class=\"\"><a href=\"#jak-se-pojistit-do-usa\">Jak se pojistit do USA?<\/a><\/li><li class=\"\"><a href=\"#na-co-myslet-nez-odletite\">Na co myslet, ne\u017e odlet\u00edte?<\/a><\/li><li class=\"\"><a href=\"#jaka-je-cena-cestovniho-pojisteni-do-usa\">Jak\u00e1 je cena cestovn\u00edho poji\u0161t\u011bn\u00ed do USA?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>P\u0159\u00edprava na cestu do USA nen\u00ed jen tak. Krom\u011b kontroly platnosti pasu a vy\u0159\u00edzen\u00ed v\u00edza<strong> <\/strong>byste ale rozhodn\u011b p\u0159ed vycestov\u00e1n\u00edm nem\u011bli zapomenout na sjedn\u00e1n\u00ed opravdu kvalitn\u00edho cestovn\u00edho poji\u0161t\u011bn\u00ed. V p\u0159\u00edpad\u011b USA to nen\u00ed pouh\u00e1 formalita, ale naprost\u00e1 nutnost, kter\u00e1 m\u016f\u017ee rozhodnout o tom, zda si z dovolen\u00e9 p\u0159ivezete jen sam\u00e9 skv\u011bl\u00e9 z\u00e1\u017eitky, nebo naopak faktury, na kter\u00e9 r\u00e1di vzpom\u00ednat nebudete.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"proc-je-cestovni-pojisteni-do-usa-nutnost\">Pro\u010d je cestovn\u00ed poji\u0161t\u011bn\u00ed do USA nutnost?<\/h2>\n\n\n\n<p>Sjedn\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed by m\u011blo b\u00fdt standardem<strong> v\u017edy<\/strong>, kdy\u017e opou\u0161t\u00edte \u010ceskou republiku &#8211; a\u0165 u\u017e vyr\u00e1\u017e\u00edte na jin\u00fd kontinent nebo p\u00e1r kilometr\u016f za hranice. Jet bez cestovn\u00edho poji\u0161t\u011bn\u00ed mimo Evropu je ale opravdu hazard. Na rozd\u00edl od <strong>EU<\/strong>, kde m\u016f\u017eete v p\u0159\u00edpad\u011b pot\u0159eby o\u0161et\u0159en\u00ed p\u0159i \u00farazu nebo nemoci vyu\u017e\u00edt <strong>karti\u010dku poji\u0161t\u011bnce<\/strong> (Evropsk\u00fd pr\u016fkaz zdravotn\u00edho poji\u0161t\u011bn\u00ed), ve Spojen\u00fdch st\u00e1tech takov\u00e1 mo\u017enost neexistuje. Dob\u0159e u\u017e asi v\u00edte, \u017ee v USA se nem\u016f\u017eete spol\u00e9hat na \u017e\u00e1dn\u00fd syst\u00e9m ve\u0159ejn\u00e9ho zdravotnictv\u00ed a <strong>ka\u017ed\u00fd z\u00e1krok, o\u0161et\u0159en\u00ed nebo i pouh\u00e1 konzultace <\/strong>u l\u00e9ka\u0159e se plat\u00ed v pln\u00e9 v\u00fd\u0161i, pokud nem\u00e1te tamn\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>A jak moc by va\u0161i pen\u011b\u017eenku bolela n\u00e1v\u0161t\u011bva americk\u00e9 nemocnice?<strong> Jeden den hospitalizace <\/strong>v americk\u00e9 nemocnici v pr\u016fm\u011bru vyjde zhruba na <strong>3 000 <\/strong>americk\u00fdch dolar\u016f (cca 60 000 K\u010d), b\u011b\u017en\u00e1 <strong>n\u00e1v\u0161t\u011bva pohotovosti<\/strong> <strong>500 a\u017e 3 000 dolar\u016f<\/strong> (cca 10 &#8211; 80 000 K\u010d) a <strong>specializovan\u00fd z\u00e1krok <\/strong>klidn\u011b i <strong>des\u00edtky tis\u00edc dolar\u016f<\/strong>. I relativn\u011b ban\u00e1ln\u00ed \u00faraz, jako zlomenina kon\u010detiny, v\u00e1s tedy m\u016f\u017ee ve v\u00fdsledku st\u00e1t tolik, jako cel\u00e1 dovolen\u00e1 v USA.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-vysoky-limit-cestovniho-pojisteni-zvolit-do-usa\">Jak vysok\u00fd limit cestovn\u00edho poji\u0161t\u011bn\u00ed zvolit do USA?<\/h2>\n\n\n\n<p>Vzhledem k extr\u00e9mn\u00edm n\u00e1klad\u016fm na zdravotn\u00ed p\u00e9\u010di je doporu\u010deno v\u0161em cestuj\u00edc\u00edm do USA volit skute\u010dn\u011b vysok\u00e9 limity. Se z\u00e1kladn\u00edm limitem <strong>poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh<\/strong> ve v\u00fd\u0161i <strong>5-10 milion\u016f K\u010d<\/strong>, kter\u00fd m\u016f\u017eete zvolit na v\u00edkendovou n\u00e1v\u0161t\u011bvu na\u0161ich sousedn\u00edch zem\u00ed, se pro sv\u00e9 dobro nesmi\u0159ujte. P\u0159i v\u00fdb\u011bru cestovn\u00edho poji\u0161t\u011bn\u00ed do USA se zam\u011b\u0159te na vy\u0161\u0161\u00ed varianty poji\u0161t\u011bn\u00ed s <strong>minim\u00e1ln\u00edm kryt\u00edm 50 milion\u016f K\u010d, ide\u00e1ln\u011b 100 milion\u016f K\u010d<\/strong> a v\u00edce. S vyhled\u00e1n\u00edm vhodn\u00e9ho zdravotnick\u00e9ho za\u0159\u00edzen\u00ed v\u00e1m v p\u0159\u00edpad\u011b pot\u0159eby akutn\u00edho o\u0161et\u0159en\u00ed pom\u016f\u017ee <strong>cestovn\u00ed asistence<\/strong>, kter\u00e1 je sou\u010d\u00e1st\u00ed ka\u017ed\u00e9ho cestovn\u00edho poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-se-pojistit-do-usa\">Jak se pojistit do USA?<\/h2>\n\n\n\n<p>Cestovn\u00ed poji\u0161t\u011bn\u00ed se neobejde bez poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh a cestovn\u00ed asistence, ale m\u011blo by obsahovat i dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Na jak\u00e1 nezapomenout?<\/p>\n\n\n\n<ul>\n<li><strong>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu <\/strong>se hod\u00ed v cel\u00e9 \u0159ad\u011b situac\u00ed, kdy ne\u00famysln\u011b zp\u016fsob\u00edte n\u011bkomu \u0161kodu na majetku \u010di \u00fajmu na zdrav\u00ed. M\u016f\u017ee j\u00edt t\u0159eba o rozbit\u00ed vybaven\u00ed v hotelu, nabour\u00e1n\u00ed do chodce na kole a podobn\u011b. Vzhledem k vysok\u00fdm n\u00e1klad\u016fm na zdravotn\u00ed p\u00e9\u010di v USA a od\u0161kodn\u011bn\u00ed se i u poji\u0161t\u011bn\u00ed odpov\u011bdnosti v p\u0159\u00edpad\u011b zp\u016fsoben\u00ed zran\u011bn\u00ed t\u0159et\u00ed osoby vyplat\u00ed zvolit <strong>vy\u0161\u0161\u00ed limit kryt\u00ed<\/strong>. Ten se m\u016f\u017ee pohybovat a\u017e ve v\u00fd\u0161i<strong> 25 milion\u016f K\u010d<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Poji\u0161t\u011bn\u00ed rizikov\u00fdch sport\u016f<\/strong> je nutnost\u00ed, pokud jedete objevovat p\u0159\u00edrodn\u00ed kr\u00e1sy n\u00e1rodn\u00edch park\u016f a pl\u00e1nujete n\u00e1ro\u010dn\u00e9 t\u00fary, nebo t\u0159eba surfovat v Mexick\u00e9m z\u00e1livu. <strong>Z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh <\/strong>v\u00e1m sice pokryje zran\u011bn\u00ed p\u0159i b\u011b\u017en\u00fdch <strong>rekrea\u010dn\u00edch sportech<\/strong>, aktivity s vy\u0161\u0161\u00ed m\u00edrou rizika si u\u017e ale mus\u00edte p\u0159ipojistit nav\u00edc. P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed v\u011bnujte pozornost seznamu rizikov\u00fdch sport\u016f u konkr\u00e9tn\u00ed poji\u0161\u0165ovny &#8211; n\u011bkter\u00e9 z va\u0161ich pl\u00e1novan\u00fdch aktivit toti\u017e mohou b\u00fdt i <strong>nepojistiteln\u00e9<\/strong>, co\u017e se t\u00fdk\u00e1 p\u0159edev\u0161\u00edm adrenalinov\u00fdch z\u00e1\u017eitk\u016f a sport\u016f. Nezapom\u00ednejte si sporty zahrnut\u00e9 v poji\u0161t\u011bn\u00ed dob\u0159e zkontrolovat &#8211; p\u0159i zran\u011bn\u00ed utrp\u011bn\u00e9m p\u0159i nepoji\u0161t\u011bn\u00e9m adrenalinov\u00e9m sportu by (ani z\u010d\u00e1sti) <strong>poji\u0161\u0165ovna o\u0161et\u0159en\u00ed nehradila<\/strong>.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Poji\u0161t\u011bn\u00ed zavazadel <\/strong>v\u00e1m zajist\u00ed n\u00e1hradu \u0161kod v p\u0159\u00edpad\u011b, \u017ee p\u0159ijdete o sv\u00e9 osobn\u00ed v\u011bci a kufry nap\u0159\u00edklad v d\u016fsledku <strong>kr\u00e1de\u017ee, ztr\u00e1ty na leti\u0161ti nebo \u017eiveln\u00edch ud\u00e1lost\u00ed<\/strong>. Vztahuje se i na pouh\u00e9 po\u0161kozen\u00ed va\u0161ich v\u011bc\u00ed (t\u0159eba i cestovn\u00edch doklad\u016f) a kr\u00fdt m\u016f\u017ee nav\u00edc i <strong>zpo\u017ed\u011bn\u00ed zavazadel<\/strong> &#8211; to v\u00e1m p\u0159ijde vhod, pokud do USA nap\u0159\u00edklad cestujete letadlem s p\u0159estupy.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>\u00darazov\u00e9 poji\u0161t\u011bn\u00ed pro kompenzaci finan\u010dn\u00edch dopad\u016f \u00farazu si v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017eete sjednat, ale nemus\u00edte. Pokud u\u017e m\u00e1te sjednan\u00e9 vlastn\u00ed <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\"><strong>\u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/a> s kvalitn\u00edm nastaven\u00edm rizik a pojistn\u00fdch \u010d\u00e1stek, pot\u0159ebovat ho nebudete. \u00darazovko v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed kryje p\u0159edev\u0161\u00edm <strong>trval\u00e9 n\u00e1sledky \u00farazu a \u00famrt\u00ed v d\u016fsledku \u00farazu<\/strong>. Naproti tomu \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1s m\u016f\u017ee prov\u00e1zet tak\u0159ka cel\u00fdm \u017eivotem a chr\u00e1n\u00ed v\u00e1s kdekoliv na sv\u011bt\u011b, se sjedn\u00e1v\u00e1 s <strong>mnohem \u0161ir\u0161\u00ed pojistnou ochranou<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-co-myslet-nez-odletite\">Na co myslet, ne\u017e odlet\u00edte?<\/h2>\n\n\n\n<p>Cestovn\u00ed poji\u0161t\u011bn\u00ed uzav\u0159ete s p\u0159edstihem, <strong>je\u0161t\u011b na \u00fazem\u00ed \u010cR<\/strong>. jakmile byste si na uzav\u0159en\u00ed cestovka vzpomn\u011bli a\u017e po p\u0159\u00edletu do USA, u\u017e by v\u00e1m p\u0159i jak\u00e9koliv nahl\u00e1\u0161en\u00e9 pojistn\u00e9 ud\u00e1losti nemuselo pomoci.&nbsp;<\/p>\n\n\n\n<p>Pokud se spol\u00e9h\u00e1te na sv\u00e9<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/cestovni-pojisteni-k-platebni-karte-dobra-nebo-spatna-volba\/\"><strong>cestovn\u00ed poji\u0161t\u011bn\u00ed ke kart\u011b<\/strong><\/a>, rad\u011bji si dob\u0159e zkontrolujte, jak\u00e1 <strong>poji\u0161t\u011bn\u00ed a limity obsahuje <\/strong>a nezapome\u0148te ani na kontrolu<strong> \u00fazemn\u00ed platnosti<\/strong>. Banky sice cestovn\u00ed poji\u0161t\u011bn\u00ed ke kart\u011b nab\u00edz\u00ed za mal\u00fd poplatek, nebo dokonce zcela zdarma, nev\u00fdhodou t\u011bchto produkt\u016f ale b\u00fdvaj\u00ed <strong>n\u00edzk\u00e9 limity, omezen\u00fd v\u00fdb\u011br poji\u0161t\u011bn\u00fdch rizik <\/strong>a tak\u00e9<strong> platnost t\u0159eba jen v r\u00e1mci Evropy<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/11\/couple-grand-canyon-1-1-1.jpg\" alt=\"jak se pojistit do USA\" class=\"wp-image-3730\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/11\/couple-grand-canyon-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/11\/couple-grand-canyon-1-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/11\/couple-grand-canyon-1-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/11\/couple-grand-canyon-1-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/11\/couple-grand-canyon-1-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-je-cena-cestovniho-pojisteni-do-usa\">Jak\u00e1 je cena cestovn\u00edho poji\u0161t\u011bn\u00ed do USA?<\/h2>\n\n\n\n<p>Kvalitn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed do USA s optim\u00e1ln\u00edmi limity poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh i p\u0159ipoji\u0161t\u011bn\u00edmi odpov\u011bdnosti, zavazadel nebo rizikov\u00fdch sport\u016f, v\u00e1s vyjde zhruba na <strong>250 K\u010d na jeden den poji\u0161t\u011bn\u00ed<\/strong>. V\u017edy si ale m\u016f\u017eete zvolit obsah poji\u0161t\u011bn\u00ed podle sebe a sv\u00fdch cenov\u00fdch mo\u017enost\u00ed. Zaj\u00edm\u00e1 v\u00e1s, na kolik vyjde <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/usa\/\">cestovn\u00ed poji\u0161t\u011bn\u00ed do USA<\/a> v\u00e1s? Srovnejte si nab\u00eddky od cel\u00e9 \u0159ady poji\u0161\u0165oven na RIXO.cz. A rovnou si sv\u00e9 poji\u0161t\u011bn\u00ed m\u016f\u017eete <strong>p\u00e1r kliky sjednat<\/strong>. Hned, jak budete m\u00edt hotovo, v\u00e1m nahrajeme<strong> asisten\u010dn\u00ed karti\u010dku k va\u0161\u00ed smlouv\u011b cestovn\u00edho poji\u0161t\u011bn\u00ed <\/strong>do <a href=\"https:\/\/www.rixo.cz\/mobilni-aplikace\/\">appky RIXO<\/a>, abyste m\u011bli pomoc v\u017edy po ruce. A rovnou m\u016f\u017eete vyrazit na cestu za spln\u011bn\u00edm sv\u00e9ho americk\u00e9ho snu!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\" style=\"background-color:#605db5\">Srovnat cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>N\u00e1v\u0161t\u011bva Spojen\u00fdch st\u00e1t\u016f americk\u00fdch je pro mnoho lid\u00ed spln\u011bn\u00edm celo\u017eivotn\u00edho snu &#8211; zem\u011b obrovsk\u00fdch m\u011bst, n\u00e1rodn\u00edch park\u016f a ikonick\u00fdch m\u00edst, kter\u00e1 zn\u00e1me z film\u016f, m\u00e1 rozhodn\u011b co nab\u00eddnout a l\u00e1k\u00e1 turisty z cel\u00e9ho sv\u011bta. V\u00edte, jak se pojistit do USA?<\/p>\n","protected":false},"author":11,"featured_media":3729,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,10],"tags":[23],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3725"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=3725"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3725\/revisions"}],"predecessor-version":[{"id":3733,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3725\/revisions\/3733"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3729"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}