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USA Travel Insurance

The One thing you you need when One thing goes wrong in the USA. 

 

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Medical Cover

Unlimited medical benefits should you get sick or have an accident including 24-hour emergency medical assistance, ambulance fees and medical evacuations.

Luggage Cover

Cover for luggage and personal effects stolen, lost or damaged during travel. 

snow sports Cover

Tahoe, Aspen, Vail, and many more. If you’re planning to ski or snowboard in the US, you’ll need our Winter Sports Pack add-on, which covers things like damaged equipment, piste closures, & weather delays.

Cancellation Cover

Choose your level of cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances.

travel Documents

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

Theft of Cash

  • Cover for the following items stolen from your person; bank notes, cash, currency notes, postal orders and money orders. 

 

 

The one thing you need
when one thing goes wrong
​​​​​​

 

rachel minaway

 

Rachel's hawaii Holiday Horror

"I had saved like crazy for my holiday -but I didn’t have extra cash to drop on a broken nail of all things.”

While on holiday in the Honolulu, Rachael slammed her finger on to the dashboard of the car - the result was a broken nail that cost her almost $2,500!

Read more about what happened to Rachael.

 

USA Travel Insurance FAQs

  • 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?
  • For our Comprehensive, Overseas Frequent Traveller, and Already Overseas policies, rental vehicle insurance excess cover is not included automatically. Under these policies, you can add cover for rental vehicle insurance excess up to $10,000 by paying an additional premium.

  • 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.

  • 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.

  • 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.

 

READ ALL FAQS

 

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What does uSA Insurance cover?

 

Travel Insurance Statistics

...they're interesting, really!

lost passport

 Over 90% of travellers were covered by travel insurance the last time they went overseas.**

Expensive Medical Bill

$700,000 – that’s the amount paid by 1Cover for just one USA medical claim.

lost luggage

20% of 1Cover USA travellers claimed for lost or damaged luggage or personal belongings.*

Why visit The USA?

chicago

 

These reasons make the U.S. an exciting destination for Aussies looking for adventure, culture, and new experiences!

 

  1. Diverse Landscapes and Natural Wonders: From the Grand Canyon to Yellowstone National Park, the U.S. boasts some of the most stunning natural landscapes in the world. Enjoy a variety of outdoor adventures, like hiking through national parks, exploring beaches in Hawaii, or experiencing the rugged beauty of Alaska.

  2. Iconic Landmarks and Cities: The U.S. is home to famous landmarks like the Statue of Liberty, the White House, and the Golden Gate Bridge. Major cities such as New York, Los Angeles, and Chicago offer vibrant cultural scenes, iconic architecture, and tons of history that you can’t find anywhere else.

  3. World-Class Entertainment: Whether it’s watching a Broadway show in New York, catching a sports game, or visiting Hollywood for a taste of the film industry, the U.S. is a hub for entertainment. It’s also the birthplace of popular music genres like jazz, rock, and hip-hop.

  4. Unique Cultural Experiences: The U.S. is a melting pot of cultures, and this diversity is reflected in the food, art, and festivals you’ll find across the country. From Southern BBQ to East Coast seafood and everything in between, foodies will love the culinary experiences.

  5. Great Shopping and Luxury Brands: For those looking to shop, the U.S. is a paradise. With major cities hosting high-end fashion districts and unique outlet malls, Aussies can find great deals and access exclusive American brands that might not be available back home. 

 

If You Only Do One Thing...

USA Survival Guide
The One Thing You Should Read Before Going To The US

Wherever you’re going in the USA, our USA Survival Guide is packed with all the top tips and must-know advice to stay safe on your adventure.

The One Thing To Do And Not Do In The USA
The One Thing You Should & Shouldn't Do In The USA

Award-winning travel writer Ben Groundwater lets you in on the one thing you should - and shouldn't - do in the USA.

Must Visit Theme Park USA
The One Must-See Theme Park In The USA

And it's not Disneyland. This historic family fun park has a long list of attractions for young and old, as well as being a fantasy for anyone with a sweet tooth.

 

We've Already Helped 2 Million Customers

1Cover is rated 4.2 out of 5 by over 1639 reviews on
  • "Recommend to friends & family"

    “We’ve been using 1Cover for more than 10 years and have been completely satisfied. 1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”

    Steven Adams, June 24

  • Outstanding service

    “We will always use 1Cover from now on - outstanding service, great experience (apart from the torn ACL). Huge thanks to our emergency case manger. Outstanding!!” 
    Matthew Noblet, June 24

  • "Process was so easy"

    Thank you for making a horrendous time truly easy! The process, care and professionalism of our claim was the best. In our 72 years, we have never had a Travel Claim, We will be sure to recommend you to all our friends.

    Kenneth & Angela Murray, May 24

  • Your staff are amazing

    “1Cover would be void without their staff and all of you are amazing! Thank you for your individual support, I shall continue to recommend your company whenever the opportunity arises."  

    Maria Purdie, May 24

Read More Reviews

 

One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong with your trip to the USA. But if it does, the resources in this section can help you.


Australia has an Embassy and several consulates throughout the United States of America. These offices provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services. Find out which American cities you can find an embassy or consulate.

 

Be informed. Be prepared. If you're across The Australian Government's SmartTraveller website, you'll have all the latest information for your trip to the USA. SmartTraveller is a trusted resource for Australian travellers and is updated regularly, so make sure you bookmark this handy resource.

 

 

 

 

 

Visit smartraveller


If you need emergency assistance in the USA, please call our 24/7 emergency medical assistance line.

For non-emergency assistance, you can message our Sydney-based support centre seven days a week

contact us


If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

make a claim

Still Need Some Help? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.