Australians come to the United States for many different reasons, from business trips to summer getaways, but there's one thing all Australian visitors have in common: they all need travel insurance. Whether you are planning a trip to the US for professional purposes or sightseeing from coast to coast, make sure you have the best trip possible by finding the best plan for you.

The majority of Australians come to the US on holiday, either to experience snow and winter activities while on summer vacation or to escape the Australian winter and bask in the sun during the US summer. In 2019, the United States is projected to be the third most popular destination for Aussies, so whether you're coming for the theme parks, metropolitan cities or vast network of breathtaking national parks, there is never a shortage of exciting things to do. With an overseas health insurance plan, you can travel to the US with peace of mind knowing you are protected from the unexpected.

If you are traveling to a country other than the U.S. and also interested in trip insurance, check out our Multinational trip insurance options.

What Does Overseas Health Insurance Cover?

Benefits can vary by plan so you'll need to assess your needs as a traveler and read the policy details carefully before making your selection. Without insurance, a simple doctor visit for a minor illness can cost hundreds of dollars and a hospital visit can run up to thousands of dollars. It is unlikely the Australian government or your domestic health insurance will pay for these expenses. Below are some benefits commonly provided by overseas health insurance

Why Do You Need Overseas Health Insurance?

It is no secret that healthcare costs in the US are exorbitantly high, even for citizens. For this reason, it is more important than ever for visitors to the US to have appropriate overseas health insurance. For Australians traveling to the United States, travel medical insurance coverage provides a wide variety of benefits to make your stay even better and more worry-free. Remember, as the Australian Government's SmartTraveller program advises, "if you cant afford travel insurance, you cant afford to travel." A small investment now can save you a small fortune in the future, so protect your health and finances by purchasing overseas health insurance before traveling to the US.

For more information on why you need overseas visitors insurance, we've outlined the most common uses.

Why Buy Insurance From the US?

You may be tempted to purchase travel insurance from your home country, but there are several reasons why buying travel insurance from the USA is a better option. First and most importantly, travel insurance purchased in the US is more widely accepted nationwide so you can worry less about your insurance being denied when you need it most. Second, most travel insurance purchased in the US provides instant coverage, so you're less likely to have to pay up front for medical expenses. Lastly, insurance companies operating in the US have a proven track record and tend to be more reliable than agencies elsewhere.

What Kind of Insurance Do You Need?

With a wide range of plans on the market, it may be difficult to select a plan. To find the plan that's best for you, first assess the condition of your health then take a look at your travel plans. From there, you can compare plans side by side with our compare tool. For travelers with pre-existing conditions, senior travelers and those looking for more complete coverage, a comprehensive plan is the best option. If you are looking for basic coverage at an affordable price, a limited plan may be the way to go.

Facts and Other Tips for Australians Traveling to the US:

  • Check that you have the appropriate visa for your stay and purpose in the US.
  • Be sure to read up on your destination before traveling so you are prepared for the weather, potential risks and any other alerts.
  • Do research to make sure you have all the vaccinations needed to enter the country.
  • The Australian government won't cover medical expenses incurred in the US, so be prepared for anything with a comprehensive coverage overseas health insurance plan.
  • It is best to purchase overseas health insurance from an accredited insurance company in the US for the most reliable insurance.

Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.