United States of America
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15 October 2018 | Read more
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Exercise normal safety precautions
15 October 2018 | Read more
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.
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.
Now that we've got your attention, let's talk about what's generally covered with travel insurance and what's not.
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.
For example, if you're a 26-year-old travelling the US for a week, policies can start from as little as $45.56** which covers unlimited medical. Throw in cancellation and luggage cover and this can work its way up to $57.82** and with lite ski cover it can go up to $134.67**.
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.
**This based on the lowest cost obtained for a 14-day policy to the US as of August 2018.
|Last checked||Code description||Code|
|5 Feb 2019||Get 5% off all Tick travel insurance policies||fin****|
|5 Feb 2019||10% off travel insurance||Off****|
|5 Feb 2019||15% off travel insurance + chance to win $10,000||SAV****|
|5 Feb 2019||Get 5% off travel insurance with Fast Cover||COU****|
|5 Feb 2019||Save 10% off travel insurance||ADV****|
|5 Feb 2019||15% off travel insurance + chance to win $1000 gift card||********|
Generally, travel insurance policies for the USA are either single or annual.
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.
General travel and sightseeing are included in most travel insurance policies, but there are exclusions you may need to consider adding on as extras before you leave. This can include the following:
If you rent a car in the USA, travel insurance can cover you in the following ways:
Make sure your policy has rental excess cover if you're driving. 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. This may sound enticing, but be aware that there are limitations to free credit card travel insurance. The following are some drawbacks of credit card travel insurance:
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 cover is available.
Some conditions, such as diabetes or allergies, are automatically covered, while others can be covered after assessing your individual circumstances.
If you find yourself in an emergency in the USA, some helpful contacts include the following:
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