A holiday to America offers 50 states to explore of varying culture, cuisine, history, and landscapes. Experience the untamed wilderness of Alaska, the tropical paradise of the Hawaiian Islands, or the glitz and glamour of cities like New York and Los Angeles.
There is no shortage of destinations within America, all of which offer incredible holidays. There are however several things to be aware of when travelling in America such as natural disasters, driving on the opposite side of the road, and expensive medical treatments which will not be covered by Australian Medicare. You may wish to try your luck in Las Vegas but don’t leave your travel chance by not protecting yourself with insurance.
Please read our full insurance policy terms, provisos, exclusions, and conditions for full details regarding this coverage.
Note that you need to be in Australia at the time of purchasing your international comprehensive travel insurance. If you are overseas, we are unable to offer you a new policy. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.
If your trip includes any travel by cruise ship, then select cruise travel insurance to be covered for the land, air, AND CRUISE part of your journey. By cruise we refer to any travel on sea, ocean, or river by any commercially operated ship, boat, or other sea vessel for longer than two hours.
You will need to select the appropriate geographical travel plan designated for your travel destination, which incorporates all the countries you are travelling to. For cruises taking part in America, you would select the geographical travel plan labelled ‘Worldwide including North and South America and Antarctica’.
With fifty states in the U.S. to explore, one visit to America may not be enough. If you plan on more than one trip within the year, or are planning on another international getaway, you may wish to look into an InsureandGo Annual Multi-Trip Insurance policy for your America holiday insurance. Just 2 or 3 times of travel a year may be enough to consider this type of policy.
An annual policy may cost you only slightly more than a single trip policy depending upon your selected destination.
America is prone to several types of natural disasters with the frequency and intensity of extreme weather events projected to grow. Natural disasters which can occur in America include powerful hurricanes, tornadoes, floods, forest fires, landslides, and earthquakes. Thankfully InsureandGo offers an option to take out Travel Insurance for Natural Disasters to protect you in the event an unforeseen disaster should occur.
To make a claim due to a natural disaster, you must have purchased this policy upgrade option and the option must be shown on your policy. Please note that there is no coverage for costs incurred as a result of a natural disaster event that is known prior to purchasing or upgrading the policy. If there is a known natural disaster event, it will be mentioned prior to payment on our website and over the phone by our agents.
Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing the Natural Disasters add-on.
Choose our Silver or Gold level of cover and you will be protected for cancelling your trip before departure or cutting your trip short. All levels of cover will include coverage for additional emergency expenses. These are expenses you incur after departure that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia because of a natural disaster. These expenses can include things such as accommodation, meals, or travelling costs.
America is a popular destination for winter sports, with numerous notable ski resorts such as Lake Tahoe, Aspen, Breckenridge, and Vail.
Winter in America starts December 21, and goes until March 20. Many ski resorts open as early as late October, and start measuring snowfall from November 1.The best destinations to visit in America for winter sports include Glacier National Park in Montana, the Rocky Mountains in Colorado, and resorts throughout Utah. Classic winter sports such as skiing, snowboarding, snow tubing, and snow mobiling are popular in these regions, though those who head further north to destinations like Alaska might also partake in activities like dog sledding and ice fishing.
InsureandGo offers the option of adding Winter sports insurance with competitive pricing. Selecting this policy upgrade option will provide coverage for fourteen types of winter sports activities, including things like ski gear and ski passes.
Our Silver and Gold policies cover your rental car excess up to $4000, but not motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.
Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim. You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.
You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.
Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.
The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.
A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.
As Hawaii is a state of the United States you will need to select your destination as "Worldwide including North, Central and South America". This will cover you for travel to, from and through-out Hawaii.
Australians travelling to the United States are eligible for the Visa Waiver Program, which allows travellers to visit for up to 90 days without obtaining a visa. You must apply for travel authorization before you leave via ESTA (Electronic System for Travel Authoritzation). We recommend organizing this travel authorization well in advance of your trip. If your ESTA application is denied you will be required to apply for a B-1 visitor visa or a B-2 tourist visa.
America is a year round destination, though the best time to visit will depend on your interests, and which seasons you like. Spring runs from March 1 – May 31, summer runs from June 1 to August 31, autumn runs from September 1 to November 30, and winter runs from December 1 to February 28 / 29. Summer is peak season in the northern states of America, though winter is peak season in southern States like Florida, which offers tropical temperatures while snow storms rage in the north. Travel during spring and autumn offers the perfect shoulder season where you’ll encounter less crowds and cheaper prices. You should avoid travel during national and school holidays.
There are no real health concerns with travel to the United States, and you are not required to obtain any vaccinations before travelling. However medical treatment in America is notoriously high, and if you find yourself in an accident it’s unlikely you’ll be able to afford medical expenses on your own. For this reason alone, travel insurance to America is worthwhile.
America is one of the world’s safest countries, though is often criticised for having one of the world’s highest crime rates (largely due to gun violence). It is very rare that travellers will find themselves caught up in violent crime, most of which is concentrated around the inner urban areas of major cities, unfrequented by tourists. Travellers are discouraged from staying around the Mexican border, as there are high reports of crime and car theft in this area. Police presence at all major tourist landmarks and attractions has seen an increase since 9/11, and travellers should expect to have their bags opened and go through security. You may encounter minor dangers like petty crime, opportunistic theft, or dangerous traffic, so it is essential to stay alert to minimize the risk of these crimes occurring.