
Worried about COVID-19?
You're not the only one. Travel insurance companies are now offering some cover for coronavirus. So you can travel with more peace of mind.
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You're not the only one. Travel insurance companies are now offering some cover for coronavirus. So you can travel with more peace of mind.
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).
Brand | Overseas medical expenses | Cancellation | Luggage and personal effects | Finder Rating | Apply |
---|---|---|---|---|---|
![]() | Unlimited | Unlimited | $7,500 | 9.4 | More info |
![]() | Unlimited | Unlimited | $15,000 | 9.1 | Get quote |
![]() | Unlimited | Unlimited | $10,000 | 9.0 | More info |
Here are the individual policies that came out on top for a trip to the USA from 1-30 April 2019:
While these ratings are a good way to evaluate policies and what they offer, only you can decide which one is right for you.
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.
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:
Brand | Overseas medical expenses | Cancellation | Luggage and personal effects | Finder Rating | Apply | |
---|---|---|---|---|---|---|
![]() | Unlimited | 0.8 | More info | |||
![]() | Unlimited | 0.8 | Get quote | |||
![]() | Unlimited | $2,000 | 1.9 | More info |
*Above are the cheapest brands when quoting a 30-year-old going on a trip the US for 14 days.
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.
*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
Now that we've got your attention, let's talk about what's generally covered with travel insurance and what's not.
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.
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.
If you find yourself in an emergency situation in the USA, some helpful contacts include the following:
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I only require cover for 1/ Medical. 2/. Cancellation only. No other coverage.
Thank you,
Maree Cooper
Hi Maree,
You can explore travel insurance covers listed on this page. You can also use our comparison tool to help you to find a cover that matches your needs.
Simply provide the information needed then click Get my quote to see the deals.
Regards,
James
Is there an insurance product suitable for a young Australian musician who is going to live in the USA on an O1 visa for the next 3 years?
Hi Jack,
Longer term travel insurance usually covers only a maximum of 12 months (although you may wish to reach out to a provider directly to see if they’ll offer more extensive coverage). Depending on the type of cover you need, you could look into life insurance covers for non-US residents here (Note that this page will feature brands available through our US site.) You could also look into getting health insurance to cover medical expenses.
Best,
James
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
Looking for a quote for Fiji citizen travellers to USA
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