Travel Insurance - Cover for USA

• Will You Pay My Hospital Bills If I get Sick Or Injured In the USA?

• Please refer to the PDS and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.
  
  In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in the USA.

• Can I Apply To Extend My Travel Insurance Policy While I’m Away?

• Yes, of course. If you want to extend your policy while you’re in the USA, the easiest way to do this is via the online Policy Manager.
  You'll need your policy number (available in the email confirming your policy), and a few other simple details. Once you've logged in you can extend the duration of your trip, add destinations, or buy add ons/extras.
  
  Make sure you extend your policy before it expires (please keep in mind Australian AEST/AEDST).
  
  If you have trouble, you can email us at [email protected].
  
  Please note there may be instances where a policy extension is not available. 

• What Do I Do If I'm robbed In The USA?

• If you are robbed while you’re in the US, you should report the theft to the police or nearest local authority as soon as possible. Where possible you should obtain a written report to be used as evidence to support your claim. 

• I’m in the USA and the airline has lost my luggage. What Do I Do?

• If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.
  
  However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

• What Is Covered Under Rental Vehicle Excess?

• If you plan on hiring a rental car to drive during your USA holiday, there are several rental vehicle excess cover amounts available. The default cover amount we offer is for up to $5K but you have the option to increase this to $6K, $7K or $8K.
  
  We will reimburse you up to the rental vehicle excess insurance amount listed on your policy, covering any excess you become legally liable to pay under your rental vehicle hiring agreement.
  
  Car rental excess is payable if your rental vehicle is involved in an accident while you are driving, or if the rental vehicle is damaged or stolen while in your custody.
  
  Please be aware this benefit does not take the place of rental vehicle insurance. Also, there is a range of conditions that must be met for cover to be available under this benefit. View the full list of conditions here.

• What Happens If I Encounter Terrorism Or Political Unrest in the USA?

• In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.
  
  However, if you do get caught up in an unforeseen event while you are in the USA and you are injured, cover is available for all necessary medical/hospital expenses. 

• Can I Choose My Doctor If I Become Unwell While In The USA?

• You may choose your own medical advisor, or we can appoint an approved medical advisor to see you.
  
  Please note: if you do not get the medical treatment you expect, although we can assist you, 1Cover are not liable for anything that results from that treatment. If you are unwell overseas please contact us.

• I’m only stopping over in the US. Do I Need Travel Insurance?

• If you're only stopping over in the US, you need to include it in the destinations you are travelling to in order to be covered. We will cover you for stopovers of up to two nights in the US as long as you nominate the United States as a destination when you apply for cover. 

• I’m Travelling To Multiple Countries, including the US. Do I Need To List All My Destinations?

• When you apply for a policy you need to tell us where you are travelling to. The premium you pay for the policy depends on your destination(s). 
  
  The policy only covers loss, injury or illness which occurs in the countries you have told us you will visit. We will cover you for stopovers of up to two nights in the USA but you must nominate USA as a destination when you apply for cover. 
  
  If you’re going on a cruise, you must select the appropriate region. For cruises in the USA, the appropriate region you will need to select is Worldwide Cruise. You MUST pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you do not, you will not be covered while on the ship. There is, however, no cover under any sections of the policy when you are on a cargo ship or freighter.

• Can I Choose My Excess?

• Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

• I travel to the US a few times a year. What’s the best policy for me?

• We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 
  
  Find out more about our annual travel insurance policies here.

• Do you cover seniors travelling to the USA?

• We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

• Am I Covered If I'm Pregnant When I'm Travelling To The USA?

• If you're travelling to the USA while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications from your pregnancy, you’ll need to complete a medical screening.
  
  We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.
  
  Please note: we will not pay any medical expenses for:
  a) Regular antenatal care;
  b) Childbirth at any gestation; or
  c) Care of the newborn child. 
  
  Find more here. 

• Can I Get Extra Cover For My High-Value Items?

• Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-without itmes. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
  
  Note: the items cannot be older than 12 months, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

• Am I Covered For Travel Interruptions Caused By Earthquakes And Other Natural Disasters?

• Travel insurance provides cover for weather events as long as they are unforeseen. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.
  
  Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

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