United States of America
Exercise normal safety precautions
17 September 2018 | Read more
Made a search before? Retrieve your search results
Exercise normal safety precautions
17 September 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.
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:
*Disclaimer: The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.