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Looking for the best travel insurance for your USA trip?

A hospital bed in the USA can cost up to $750 per night but you can get travel insurance from just $4 a day*.

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Jessica Prasida
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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

    How to find the best travel insurance for USA from Australia

    While there's no such thing as one travel insurance policy that's best for everyone going to the United States, it's always a good idea to look at what a policy covers, and to what degree. To make it easier for you, we looked at all the policies in our database, ranked them according to how much cover they offer and gave them a score from 1-10 called the Finder Rating (10 being the most comprehensive).

    Here are the top 3 policies based on the Finder Rating.

    BrandOverseas medical expensesCancellationLuggage and personal effectsFinder RatingApply

    Budget Direct Comprehensive

    		UnlimitedUnlimited$7,5009.4

    Fast Cover Comprehensive

    		UnlimitedUnlimited$15,0009.1

    WorldCare Comprehensive

    		UnlimitedUnlimited$10,0009.0

    Here are the individual policies that came out on top for a trip to the USA from 1-30 April 2019:

    1. Budget Direct Comprehensive: 9.4 out of 10
    2. Fast Cover Comprehensive: 9.1 out of 10
    3. WorldCare Comprehensive: 9.0 out of 10
    4. 1Cover Comprehensive: 8.9 out of 10
    5. Zoom Travel Insurance Comprehensive: 8.8 out of 10
    6. Travel with Jane Comprehensive: 8.7 out of 10
    7. Travel with Kit Comprehensive: 8.7 out of 10
    8. Travel Insurance Saver Premium Plus: 8.2 out of 10
    9. Online Travel Insurance Comprehensive: 8.2 out of 10
    10. Qantas International Comprehensive: 8 out of 10

    While these ratings are a good way to evaluate policies and what they offer, only you can decide which one is right for you.

    Do I need travel insurance for the USA?

    Definitely. You want to be prepared when the unexpected strikes. The USA is known to have expensive medical care, transport delays and sometimes even theft happens. Don't let this put you off going there, just make sure you travel smart and get your travel insurance sorted.

    How to find cheap travel insurance to the USA

    The cost of travel insurance for the United States varies based on lots of things like how old you are, what activities you'll be doing and what level of cover you choose.

    Using the comparison tool above, you can enter your trip details and sort through live quotes based on price.

    To give you some idea of cheap policies, we ran some real quotes using the profile of a 30-year-old Aussie going on a 14-day trip to the USA. Here are the cheapest we found amongst the brands on Finder:

    BrandOverseas medical expensesCancellationLuggage and personal effectsFinder RatingApply

    Online Travel Insurance Basic

    		Unlimited
    		0.8

    Fast Cover Basics

    		Unlimited
    		0.8

    WorldCare Basics

    		Unlimited
    		$2,0001.9

    *Above are the cheapest brands when quoting a 30-year-old going on a trip the US for 14 days.

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    How much does travel insurance for the US cost?

    Policy costs depend on a couple of factors including age, length of travel and any risky activities you might be planning, for example skiing, skydiving or going on a cruise.

    The below graph shows the average cost of a hospital bed for a night in the US against the cost of travel insurance.

    Medical expenses in the United States are amongst the highest in the world, so it's almost a no-brainer to get medical cover at the very least.

    Average cost of a policy vs the cost of a hospital per night

    The average cost of a policy for a two-week trip to the USA is $57.29* for a 26-year-old. This policy includes cover for unlimited overseas medical and hospital expenses.

    *Travel insurance prices last obtained on April 2018. Prices subject to change.

    **Cost of hospital bed based on WHO Department of Health Systems Financing (2011) estimates.

    * Quotes are based on the average price of various ages travelling to the United States for 14 days, taken in October 2019

    What does travel insurance cover in the USA?

    Now that we've got your attention, let's talk about what's generally covered with travel insurance and what's not.

    • Medical bills. Even a short trip to the doctor can be costly with a visit to a GP costing between $150 and $200. Having a travel insurance policy can protect you against a range of medical costs including the following:
      • Ambulance transportation
      • Repatriation
      • Medical evacuation
      • Medical and hospital costs
      • Emergency dental expenses
    • Hospital cash allowance. This is not the same as overseas medical expenses protection. It provides you with a daily allowance to pay for things like phone calls home and hospital food.
    • Personal liability. Your insurance covers your legal liability in situations where you are liable for bodily injury or property damage to a third party. Some basic policies end their level of cover here.
    • Lost cancellation fees and lost deposits. If unforeseen circumstances, such as losing your job or a death in the family, force you to cut your trip short or cancel it altogether, this cover can help you recover cancellation fees or prepaid deposits which you otherwise wouldn't be able to recover. Most travel insurance for USA policies have this feature.
    • Luggage delays. If an airline or tour company misplaces your luggage for an extended period of time, you'll receive the funds you need to buy emergency clothing and toiletries.
    • Luggage and personal effects if lost or stolen. If your luggage and personal belongings are lost, stolen or damaged, you'll be reimbursed for the cost of their repair or replacement.
    • Delays. If your journey is disrupted due to circumstances beyond your control, you'll receive a benefit payment to cover the costs of additional meals and accommodation expenses.
    • Accidental death benefit. Your loved ones will receive a benefit if you die as a result of an injury sustained during your journey.
    • Stolen credit cards. If your credit cards are lost or stolen on your holiday, you'll be covered for the cost of their replacement and for any loss you suffer due to their fraudulent use.
    • Lost travel documents. If your passport or other important travel documents are lost or stolen, you'll be covered for the cost of their replacement.
    • Alternative transport expenses. If unforeseen circumstances delay your trip and you're unable to arrive at a pre-arranged event (for example, a wedding) on time, you'll be covered for the cost of alternative transport expenses.
    • Rental vehicle excess. If your rental car is involved in an accident, stolen or damaged, your policy covers the cost of the rental company's insurance excess.

    Do I need travel insurance when going to the United States?

    The United States is a popular holiday destination for Australians, but it can also be an expensive one – especially if something goes wrong.

    Travel insurance can protect you from a range of costs including lost luggage, cancellations and medical expenses. And when you consider that it costs $750+ for one night in a US hospital, but only $98.51* for a travel insurance policy, the difference of $652.61 is nothing to sneeze at.

    Real claims from real people

    • $259,000 for a heart attack. A traveller in his 60s suffered a heart attack while travelling in the United States, had to undergo cardiac surgery and was flown back home with a non-medical escort (Southern Cross Travel Insurance, 2018).
    • $199,721 for appendicitis. A woman developed a severe case of appendicitis which became gangrenous. This meant time in intensive care, surgery and a high level of post-operative care (Travel Insurance Direct, 2016)
    • $81,735.95 for a cruise ship accident. Overseas emergency medical treatment, medical evacuation from a cruise ship and repatriation back to Australia would have cost over $80,000 if they didn't have travel insurance (Fast Cover, 2015).
    • $630,000 for a premature birth. A woman went into labour early while travelling in the USA. Because she had travel insurance and had declared her pregnancy, both she and her newborn baby were covered (Columbus Direct, 2014).

    What type of cover and extras do I need?

    Generally, travel insurance policies for the USA are either single or annual.

    • Single-trip travel insurance. This covers one trip and one trip only, generally up to a maximum of 180 days.
    • Annual travel insurance. If you head to the US or overseas regularly, annual travel insurance policies can cover your year's worth of travel. To make this policy worth it, you need to make roughly 3.5 overseas trips a year. While it's a money-saver for frequent travellers, the downside is that individual trips are capped at 30 and 90 days.

    With all these options, you can get cover for singles, couples, families and groups.

    Types of policies are then further broken down into basic, standard or comprehensive policies. These are on a tiered system in terms of cover and cost, with basic policies generally only covering medical expenses and being the cheapest options and comprehensive policies including lost luggage, personal effects and cancellation for a premium.

    Who can you contact in an emergency?

    If you find yourself in an emergency situation in the USA, some helpful contacts include the following:

    • National emergency hotline. You can reach this service by dialling 911.
    • Your travel insurer. Your travel insurance brand will have a 24/7 helpline for claims and medical emergencies.
    • Australian Embassies and Consulates. You can find the contact details of Australian Embassies and Consulates in the USA below.

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    *$3.96 per day is based on the cheapest policy available for a 26-year-old travelling to the USA for 14 days

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    3 Responses

      Avatarfinder Customer Care
      JeniMarch 12, 2019Staff

      Hi Chris,

      Thank you for getting in touch with Finder.

      According to our review on senior travel insurance, yes, you may still find insurers that will cover you even if you had cardiac bypass surgery, provided you declared the bypass operation when taking out your policy and were proclaimed fit for travel by your doctor and approved by the insurer offering heart condition cover.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
      Default Gravatar
      SashOctober 2, 2016

      Looking for a quote for Fiji citizen travellers to USA

      Reply
        Avatarfinder Customer Care
        RichardOctober 4, 2016Staff

        Hi Sash,

        Thanks for getting in touch. The travel insurance brands in Finder does offer travel insurance to some non-Australia residents depending on their circumstances. Please head over to our non-resident travel insurance guide to review terms and conditions.

        All the best,
        Richard

        Reply
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