Top-tier travel insurances for U.S. journeys
Frequent Traveler's Guide: Your Essential Travel Insurance Handbook for Exploring the US
Foreign lands and exotic getaways may be on your bucket list, but don't forget to secure the knot that binds it all together - travel insurance. If you're heading to the United States, here's a crash course on why travel insurance is a must-have for Aussies, along with some pro tips to help you choose the best policy for your journey.
American soil, Aussie pockets - stay protected
Remember ours and the US's close bond? Well, don't let that cloud your judgment, as there's no reciprocal healthcare agreement between the two countries. Medical costs in the states can be staggering, and one minor mishap could result in thousands of dollars in bills. To avoid a financially catastrophic adventure, it's best to invest in travel insurance.
What's covered and what's not
Travel insurance policies generally offer the following benefits:
- Medical care (including emergency evacuation)
- Coverage for lost or stolen personal items
- Car hire excess cover in case of an accident
- Liability and legal expenses
But let's not forget the fine print. Pre-existing conditions may not be covered unless specified in your policy. Plus, additional fees might apply for extra coverage. Keep these factors in mind when selecting your policy.
Types of Travel Insurance Policies
- Medical Only: Covers you for medical expenses during your trip, including emergency evacuation. Recommended for budget-conscious travelers.
- Southern Cross Travel Insurance Medical Only
- Insure4Less Medical Only
- 1Cover Medical Only
- Essential: Offers more comprehensive coverage, including cancellation costs, lost luggage, and minimal adventure sports coverage.
- Battleface Comprehensive Travel Insurance
- Butter Insurance International Travel Insurance
- Chubb Australia Essential
- Freely International Travel Insurance
- Insure4less Essentials
- Tick Travel Insurance Standard
- Travel Insuranz Classic
- Travel Protect Explorer
- WAS Insurance Discovery Ultimate
- Comprehensive: Provides a broad range of coverage, including cancellation, missed connections, cover for high-value items, and more. Ideal for adventurous travelers.
- Fast Cover Comprehensive
- InsuranceandGo Gold Policy
- Tick Travel Insurance Top Policy
- Travel Insurance Saver International Comprehensive
- World2Cover Top Policy
Valuable Tips and Considerations
- Purchase your policy as soon as you start planning your trip to ensure you're covered in the event of cancellations.
- If you're planning on skiing or other adventure sports, make sure they're covered under your policy.
- If you're hiring a car, look into excess cover for car hire to avoid unnecessary expenses.
Wheel your way across the US
Road trips through the US in an American classic car? Why not! Many travel insurance policies offer coverage for car hire excess damage, so you can focus on enjoying scenic drives instead of worrying about unexpected collision repairs.
Adjust to the terrain
The United States is vast and diverse, with different weather patterns and potential hazards across various regions. Prepare for the unexpected by checking weather forecasts and government travel advice for the areas you plan to visit. Make sure your travel insurance covers you for natural disasters, such as tornadoes, blizzards, or wildfires.
Bang for your buck
Seeking value for your dollar? Check out CHOICE's top-rated travel insurance policies exclusive for their members. By joining CHOICE, you can access the best-rated policies for traveling to the United States.
With these insights, choosing the perfect travel insurance policy for your exciting US adventure just became more manageable. So, pack your bags, grab your passport, and embark on the journey of a lifetime - wholeheartedly protected!
- When planning a road trip across the United States and renting a car, consider the benefits of travel insurance policies that offer car hire excess cover for potential collision repairs.
- To ensure you're adequately covered during your US travel, it's important to assess the potential weather patterns and natural hazards of the regions you plan to visit, as some travel insurance policies may cover you for natural disasters such as tornadoes, blizzards, or wildfires.
