Travel Insurance For USA

Between the hustle and bustle of New York, the beaches of Hawaii, and the views of the Grand Canyon, there’s lots to see and do while you’re there.

It’s an amazing place to visit as part of your bucket list, and it’s fairly safe, but there’s always the chance that you’ll have an accident, get sick, or have your travel plans disrupted while you’re there.

Medical care in the USA is very expensive,¹https://smartraveller.gov.au/countries/americas/north/pages/united_states_of_america.aspx#health so having good medical cover as part of your travel insurance can be beneficial. Remember, no matter how healthy you are, accidents happen. 

Fun US experiences – and why travel insurance could be beneficial 

The United States is a destination that can cover the bases for a range of different travellers and preferred holiday styles. Whether you’re planning a family trip to LA’s Disneyland, a sophisticated big city break, outdoor adventures, or the great American road trip – America has you covered.

Here’s a just a few ideas to get you started:

Skiing and snowsports:

America has some of the world’s best snow resorts with places such as Lake Tahoe, Vail, Breckenridge, and more. With guaranteed deep powder, it’s a ski bunny’s paradise. But skiing and snowboarding bring with them higher risk of injuries, so make sure that these are specific inclusions in your travel insurance policy.

Road tripping:

For many travellers, the great American road trip is up there on their travel bucket list. But road accidents are more common than in Australia,²https://smartraveller.gov.au/countries/americas/north/pages/united_states_of_america.aspx#health so travel insurance that covers injuries and repatriation can be beneficial. Also, some travel insurance policies may cover your vehicle excess in the event of an accident. 

Exploring the big cities:

Some of the world’s most vibrant cities are in the US, including New York, Chicago, New Orleans, and San Francisco. Tourists are often targeted for petty crimes¹, like pick-pocketing and theft, so be sure to pay attention to your belongings.

Get your sport on:

Seeing a major sporting game, be it baseball, basketball, or football is an essential US activity for many tourists. Be sure to buy your tickets from an authorised seller – never buy tickets from scalpers outside the venue, as they are likely to be a scam.

National parks:

Whether you want to drive through Yellowstone to see Old Faithful, or hike somewhere like Glacier National Park in Montana, the US is full of spectacularly scenic national parks. Travel insurance can be beneficial in case you sprain an ankle on that hike or experience some other mishap.

See the lava flow:

For visitors to Hawaii, the chance to see red-hot, molten lava on the Big Island is an opportunity not to be missed. But keep in mind that if a natural occurrence like a volcano is in action, then your insurer may not provide cover. It’s a great idea to check before you go and make an informed choice.

What can travel insurance cover for the USA?

Here’s what a travel insurance policy can help cover:

Medical problems

A travel policy can cover ambulance transportation, repatriation flights, medical and hospital costs, dental treatment, and also in-hospital cash. Australia does not have a reciprocal health care agreement with the United States,³https://www.humanservices.gov.au/individuals/services/medicare/reciprocal-health-care-agreements/australians/medical-care-when-you-travel-another-country so comprehensive medical cover could be beneficial.

Personal liability

If you injure someone or damage property while you’re in America, you’ll need this inclusion if you want insurance to help cover costs. Also, you may be more likely to be sued for damages in the US because of the way their legal system works.

Cancellation fees and lost deposits

If you have to cancel or rearrange your trip, or part of it, then you may lose your deposits, or have to pay a cancellation fee. This cover can reimburse you.

Lost or delayed luggage

If your luggage is lost or delayed then you’ll be able to buy replacement clothes, toiletries, and other essentials.

Lost or stolen possessions

If you lose your luggage during the holiday, then you’ll be reimbursed for the costs of replacing your possessions.

Travel delays and cancellations

If your travel plans are disrupted by circumstances beyond your control, then you’ll get a payment to cover the expenses of additional meals and accommodation.

Lost or stolen travel documents

If you need to replace passports or visas during your holiday, then the costs are covered by your insurer.

Rental vehicle excess

If you get into an accident with your rental car then you’re covered against the rental company’s insurance excess payment.

Compare travel insurance policies before heading to the United States

You can compare travel insurance policies the easy way with iSelect. We can help you find a policy that suits you, and we make applying for cover easy.