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.

Brand	Overseas medical expenses	Cancellation	Luggage and personal effects	Finder Rating	Apply
Budget Direct Comprehensive	Unlimited	Unlimited	$7,500	9.4
Fast Cover Comprehensive	Unlimited	Unlimited	$15,000	9.1
WorldCare Comprehensive	Unlimited	Unlimited	$10,000	9.0

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.

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:

Brand	Overseas medical expenses	Cancellation	Luggage and personal effects	Finder Rating	Apply
Online Travel Insurance Basic	Unlimited			0.8
Fast Cover Basics	Unlimited			0.8
WorldCare Basics	Unlimited		$2,000	1.9

^{*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.

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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.

Frequently asked questions

• Can I buy travel insurance for America from my travel agent?

  Yes, but it's not always the best idea. Travel agents can add hefty commissions to the price of the policies they sell. It doesn't hurt to compare your options. Get a quote from them and see how it compares to other brands online.

• Can I get cover for pre-existing conditions?

  The exact treatment of pre-existing conditions differs between insurance providers. While some allow you to take out cover for certain conditions, others exclude all pre-existing medical problems from your policy. Speak to your insurer for more information.

• Does winter sports cover black runs?

  Typically, policies cover you on any run within a ski resort that is deemed safe. However check the fine print of your PDS or speak to your insurer direct for confirmation before purchase.

^{*$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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