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The USA has long been a favourite destination for Aussies heading abroad. In fact, over one million Australian holidaymakers flocked to its shores in 2017 according to Overseas Arrivals and Departures data compiled by the Australian Bureau of Statistics.
While the United States is a great holiday destination, it can be very expensive ... especially if something goes wrong. Travel insurance can protect you from a range of costs including lost luggage, cancellations but most importantly, medical. And having medical cover in the USA is probably the most important component of your travel insurance. When you consider that it costs more than $750 to spend just one night in a US hospital, the importance of travel insurance becomes even more apparent.
When you consider the high cost of healthcare in the US, having travel insurance with medical benefits is a smart move for your pocket. The difference between the cost of travel insurance policy ($98.51*) and the average cost of a hospital stay per night in the US ($751.06**) in the USA is a whopping $652.61 - not something to sneeze at.
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.
Travel insurance is worth considering no matter where you’re travelling. After all, an airline is just as likely to lose your baggage in New York as it is in New Delhi. However, there are some other more specific reasons why you might want to take out travel insurance for an American holiday before heading off.
How much you'll pay for travel insurance to the USA depends on a couple of factors including:
Below is a map of the average cost of travel based on age and destination.
Disclaimer. Please note that the prices above are designed to provide an average of the cost of all policies available on finder.com.au for the destination. For a more accurate quote, please use the engine above. Enter your travel details to view all available prices and policies.
When taking out travel insurance for the USA, you can generally choose from single or annual travel insurance. You'll also be able to choose between no-frills policies and comprehensive policies. The best travel insurance for USA travel really depends on what you're looking for and your travel needs:
With all these options you can get cover for singles, couples, families and groups.
Getting the best travel insurance for USA really depends on the holiday you have planned. If you are planning on engaging in activities not normally covered by travel insurance USA, you may wish to add one or more optional covers to your policy for an extra cost. These cover options include:
If you rent a car in the USA, travel insurance can cover you in the following ways:
While the company you're hiring the car from will offer you insurance for third-party and motor damage, you will be charged the cost of the excess if the car is damaged, stolen or involved in an accident. Make sure you compare travel insurance policies with rental excess cover.
Some credit cards offer complimentary travel insurance if you pay for your trip with the card. Although this may sound enticing, you should be aware of the limitations of free credit card travel insurance. Some of the drawbacks include:
When applying for travel insurance for your trip to the USA, it’s essential that you disclose any pre-existing medical conditions you have. If you fail to do so and a pre-existing condition results in a claim, your insurer will most likely refuse your claim.
Every year, you'll hear cases of travellers who have piled up huge medical bills in the USA because they weren't covered for a pre-existing medical condition. Check with your insurer to determine whether or not cover is available. Some conditions, such as diabetes or allergies, are automatically covered, while others can be covered after assessing your individual circumstances. Certain pre-existing conditions will simply be excluded from cover. If you assume that your condition will be covered and you are hospitalised overseas, the cost to you could be substantial.
If you find yourself in an emergency in the USA, some of helpful contacts include:
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