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Compare Travel Insurance for the USA

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Destination
United States
DepartureReturn

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"Set peace of mind as your highest goal, and organise your life around it"

— Brian Tracy

Explore the USA with Confidence

The USA is one of the most popular travel destinations for Australians, with more than 700,000 visiting the States in 2024 alone. From the bright lights of New York City and the sun-soaked beaches of California to the natural wonders of the Grand Canyon and the theme parks of Florida, the USA offers a travel experience like no other,

However, travelling to the USA also comes with unique risks, particularly when it comes to medical expenses. The U.S. healthcare system is one of the most expensive in the world, and even a minor accident or illness can result in thousands of dollars in medical bills.

Travel insurance offers peace of mind beyond just medical coverage, and can protect you from other unexpected events, such as trip cancellations, lost luggage, rental car insurance excess payments, and even extreme weather disruptions like hurricanes and snowstorms.

Why You Need Travel Insurance for the USA

Whether you’re heading to the USA for business, adventure, or a family holiday, the right travel insurance policy can provide peace of mind so you can focus on making the most of your trip. Travel insurance for USA can protect you from:

Healthcare in the USA is notoriously expensive. Even a short hospital visit can cost thousands, and major medical procedures can be financially crippling without insurance. A travel insurance policy can cover unforeseen hospital stays, doctor visits, medications, and emergency evacuation back to Australia if medically required.

Medical Emergencies: Healthcare in the USA is notoriously expensive. Even a short hospital visit can cost thousands, and major medical procedures can be financially crippling without insurance. A travel insurance policy can cover hospital stays, doctor visits, medications, and emergency evacuation back to Australia if required.

Long-haul flights between Australia and the USA can be affected by airline disruptions, severe weather, or personal emergencies. Travel insurance can reimburse a range of non-refundable costs for cancelled flights, accommodation, and pre-booked experiences.

Whether exploring New York’s busy city streets, shopping at high-end malls, or visiting crowded tourist attractions, there’s always a risk of theft or loss. Travel insurance can cover lost passports, stolen electronics, or misplaced luggage, helping to replace essential items and keep your trip on track.

Road trips are a popular way to see the USA, but rental car insurance in America often comes with high excess fees. Travel insurance can help cover the rental vehicle excess due to damage or theft, saving you from unexpected out-of-pocket costs.

The USA experiences a wide range of extreme weather events, from hurricanes along the East Coast to snowstorms in the Midwest. If an unforeseen natural disaster affects your travel plans, insurance can cover trip disruptions, alternative accommodation, or cancellations.

Travel Insurance for the United States of America

At travelinsurance.com.au, we offer 3 insurance plans levels

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*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.

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Optional Add-Ons for the USA

Rental Vehicle Excess

Coverage up to $6,000 to pay for your rental car excess. This covers the insurance excess portion - please ensure that you also have comprehensive car insurance.

Snow Pack

Coverage for a range of events that may occur whilst you are participating in snow sport activities (limits & conditions apply)

Cruise Cover

Cover for events that occur whilst you are on a multi-night cruise (limits & conditions apply) - single night cruises and scheduled ferry crossings are automatically covered.

Pet Boarding

Up to $200 per day, to a maximum of $1400 if your return from overseas is delayed and you need to extend your pet boarding arrangements

Motorcycle/Moped Pack

Essential if you plan on renting a scooter or motorbike.

Here’s How to Compare our Travel Insurance Plans for America

  • Instant Online Quote: Enter your trip details and get an instant quote online.

  • Choose Your Cover: Select from Medical Only, Economy or Business Class.

  • Add Optional Extras: Customise your plan based on your activities and needs.

  • Purchase & Confirm: Secure your cover online and receive instant confirmation.

  • Stay Covered: In case of an emergency, contact our 24/7 assistance team for immediate support.

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Where Can I Get Travel Insurance for the USA?

Getting covered before your trip is simple with travelinsurance.com.au.

Whether you’re heading to New York for business, visiting Disneyland with your family, or embarking on a cross-country road trip, we offer policies that you can tailor to suit your needs. Our policies provide coverage for medical emergencies, travel delays, lost or stolen belongings, and more, ensuring you're financially protected in case of an emergency.

Travel insurance is an essential part of any international trip, and with 24/7 emergency assistance, you can travel with confidence knowing help is just a phone call away.

Frequently Asked Questions about Travel Insurance USA

According to Smartraveller, travel insurance is highly recommended for travel in general, including for the USA. Travel insurance is highly recommended for the USA due to the high cost of medical care and potential risks such as theft, lost luggage, and trip cancellations. Without insurance, even minor medical treatment could be financially overwhelming.

We do not cover you for comprehensive car insurance. We provide a Rental Car Excess Cover to your policy if you select it. This can help cover excess fees charged by rental companies in case of an accident or theft, saving you from unexpected expenses.

If your policy includes trip cancellation or delay cover, you may be reimbursed for certain non-refundable expenses, such as accommodation and pre-paid activities. Coverage may also extend to alternative flights and necessary overnight stays.

Yes, travel insurance can cover stolen personal belongings, including passports, electronics, and luggage. If you experience theft, report it to local authorities and keep a copy of the police report to support your insurance claim

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.