Travel insurance for the USA

Despite its distance, the United States of America is a popular tourist destination for Australians. In fact, the number of Australian tourists each year has doubled since 2006, driven in part by the rise of budget airlines.

New York, Los Angeles, Las Vegas, New Orleans and Washington DC are just some of the places popular with Australians - and there are many, many more. From cosmopolitan cities teeming with people to quiet towns set amidst rolling plains, the USA has it all.

Although generally seen as a safe destination, there are still risks associated with travel to the USA, and it's highly recommended that you get travel insurance.

Why do I need travel insurance for the USA?

No one wants to fall sick or get injured on holiday, but it happens. You could get food poisoning. You could catch a nasty cold. You could be involved in an accident or be a victim of crime.

Medical costs in the United States are extremely high. A visit to the doctor, even for minor complaints, can cost hundreds of dollars. Payment is generally required up front if you don't have accepted health insurance.

The Australian Government will not pay for your medical expenses incurred in the USA. Nor will it cover medical evacuation costs, which regularly range from $75,000 to $95,000, according to the Department of Foreign Trade and Affairs (DFAT).

Given the financial risk, it makes sense to get travel insurance. For a small payment, you're covered for medical emergencies as well as inconveniences such as travel delays, theft of personal belongings and loss of luggage.

Be prepared

Travel insurance can help you deal with unexpected events such as natural disasters.

Many parts of North America are subject to different hazards, such as hurricanes, tornadoes, landslides, earthquakes, fires, floods, volcanoes, blizzards and more.

It's a good idea to check if your policy covers events caused by natural disasters, just in case you're unfortunate enough to experience one.

As an example, Australia Post's comprehensive travel insurance covered travel delays and disruptions after severe snow storms in the United States.

Travel precautions

The Smart Traveller website provides up-to-date information and warnings on various countries. Check if there are any travel alerts for the USA before you go.

DFAT warns tourists to be wary of pickpockets, particularly on public transport, and to be aware of crime levels in districts you may want to visit.

Register your travel and contact details with DFAT before you go, so they can contact you easily in case of emergency.

More tips to help you travel safely.

What kind of travel insurance do I need for the USA?

You can choose between comprehensive and basic international travel insurance for your trip to America.

Basic International cover offers great value if you're budget conscious, with cover for overseas medical and dental expenses, and cover for death or disability.

For more extensive cover, including lost luggage, theft of money and travel delays, consider International Comprehensive Travel Insurance as the way to go.

Exclusions and conditions apply, so go through the Product Disclosure Statement (PDS) carefully to understand what's covered and what's not.

This advice is general in nature, and doesn't consider your personal situation. You should consider your own needs and the Product Disclosure Statement (PDS) before making a decision to buy the product.

Limits, conditions, exclusions and fees apply. Policies may not be available to all travellers. Australian Postal Corporation ABN 28 864 970 579 (AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd ABN 67 002 599 340 (AFSL No. 457551). Insurance products are issued by Great Lakes Australia ARBN 127 740 532, ABN 18 964 580 576, AFSL No. 318603. Review your own needs and the relevant Product Disclosure Statement before deciding to buy this insurance. Download a copy of the combined FSG/PDS (548kb) here, or for our In-store international Travel Insurance policy download a copy of the $6 a day Travel Insurance Product Disclosure Statement (388kb) here or the $10 a day Travel Insurance Product Disclosure Statement (444kb) here, or contact us on 1300 728 015 or email auspost@travelinsurancepartners.com.au

Get a quote

    • Area of Travel

      Where you travel will influence your premium.

      Single Trip

      Select an area of travel based on where you will spend the most time on your journey.

      Note: If you plan to spend more than 20% of your time in the Americas or Africa, you must select the area that includes these countries.

      Annual Multi-Trip

      Select an area which will cover all the countries you plan on visiting over the year. Cover includes domestic journeys provided the destination is more than 250 km from your home in Australia.

      Note: If you plan to spend more than 20% of any single journey in the Americas or Africa, you must select the area that includes these countries.

    • Travel Start Date
      Single tripsAnnual multi-trips

      The date you depart Australia

      Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

      Cover under all other sections begins from the Travel Start Date you select.

      The date your policy will commence

      Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

      For further information, we recommend you read the definition of 'Relevant Time' in the Product Disclosure Statement.

      Travel End Date
      Single tripsAnnual multi-trips

      The day you arrive back at Australia

      Regardless of what you enter as the Travel End Date, you will be quoted for a 12 month Annual Multi-Trip.

      For further information we recommend that you read the definition of 'Relevant Time' in the Product Disclosure Statement.

    • Age of adult travellers

      Enter the current age of all travellers, except accompanied children.

      Accompanied children are your children or grandchildren who are travelling with you, provided they are not in full-time employment and they are under the age of 21 years.

      See the Product Disclosure Statement for more information.

    • Age of all accompanied children

      Accompanied Children are your children or grandchildren who are travelling with you, provided they are not in full-time employment and they are under the age of 21 years. See the Product Disclosure Statement for more information.

      Enter the number of accompanied children who are on the policy in the box below.

    • Do all travellers live in
      Australia? Help(?) - All live in Australia?

      Please note that policies can only be issued to Australia citizens and permanent residents who will be returning to Australia at the completion of the period of insurance and within 12 months of the journey commencing; and who have not yet commenced their journey.