The United States is a country of explorable and captivating diversity, from the New England states to the dry desert of Arizona. There is something to please every kind of traveller, from soaking in the awe-inspiring natural beauty of Wyoming's glorious Yellowstone National Park, to exploring America’s favourite metropoles: New York City, Seattle or Chicago. The US of A has got it all! There are however several things you should be aware of before jetting off on your grand adventure.

Cancellations and delays

Cover for cancellation fees and lost deposits on prepaid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency medical, dental, surgical and hospital treatment and ambulance costs if you suffer an illness or injury on your international trip (excluding pregnancy and childbirth). 

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and traveller's cheques

Cover for replacing your passport, visas, travel money cards, traveller's cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

Cover for any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

Luggage and personal effects

Cover for the cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged.

Personal liability cover

Legal liability cover in case you accidentally injure someone else or damage or lose someone else's property during your trip.

Cruise cover

All four of our international travel insurance policies cover cruises, including those within Australian waters (our Domestic policy does not cover cruises).

Compare all travel insurance benefits, features and claim limits

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for The USA

Better safe than sorry! Here’s our top health and safety tips for travelling around the United States.

Petty theft

By staying aware of your surroundings, dressing like a local and carrying small amounts of cash, you’ll make yourself less of a target for thieves.

Unfamiliar road rules

Make sure you stick to the right side of the road in your rental car! Travel insurance helps cover the excess in the event of any accidents.

Health system

Carry proof of purchase of your travel insurance on you to ensure quick and inexpensive health care.

Flight delays

Stay up to date on flying conditions, delayed travel can end up costing you money on hotels and pre-planned activities at your destination.

Emergency medical expenses

Medical treatment in the United States can be very expensive when compared to Australia’s health system. Even minor illnesses and ailments can incur high costs, with actual medical procedures costing well into the thousands. Providing proof of adequate travel insurance can be necessary in order to secure medical treatment in the United States, without which, you will be asked to pay for the medical fees up-front. The Australian Government will not pay for your medical expenses overseas or contribute to evacuation costs back to Australia for treatment.

Can I get extra coverage for
snow sports?

If you intend to ski, snowboard and/or ice-skate on your overseas trip and want to be insured against any costly mishaps, you may want to consider adding optional Snow Sports Cover to your Budget Direct travel insurance policy.

What to do before you leave for the USA

Howdy partner! To keep your trip stress free, follow these three simple steps before heading off on your holiday.

Organise your travel documents

Organise your travel documents

Make sure your travel documents are all in order well in advance to prevent any issues entering or leaving the United States.

Locate the Australian Embassy

Locate the Australian Embassy

Know where to get help if you find yourself in a sticky spot. The Australian Embassy is located in Washington DC.

Ensure you are covered

Ensure you are covered

Cover all your bases with travel insurance that has your back in emergencies.

Overseas medical and emergency assistance

With Budget Direct travel insurance, you get access to a worldwide, 24/7 network of medical and emergency assistance providers.

These include multilingual medical and travel specialists, including about 500 doctors in 34 countries.

Read more about overseas medical and emergency assistance

Frequently asked questions

What happens if I have a medical emergency overseas?

If you have a medical emergency overseas, contact us immediately. When you buy your policy, you’ll be emailed your Insurance Certificate which details the emergency assistance numbers. You can call free of charge at any time, from anywhere in the world.

If you require hospitalisation, emergency transportation services or need to return to Australia, you must contact us as soon as possible.

If you incur medical costs on your journey, keep copies of all receipts and details of any treatment received.

For more information refer to Product Disclosure Statement.

What happens if my trip return date changes and I need to extend my policy?

To extend your trip email us on or call us on 1800 444 424 Monday – Friday between 9am and 5pm AEST as soon as you know you need to extend your trip and within two days of your policy expiring. Additional premium may be charged. Your policy can only be extended once, and only up to a maximum combined duration of 12 months.

Budget Direct Annual Multi-Trip covers you up to 30 days for each trip you take in a 12 month period. If your trip is for longer than 30 days then you will need to purchase an additional travel insurance policy.

Is cover provided for high-value items such as personal computers, video recorders and cameras?

We provide cover for personal computers, video recorders, mobile phones and cameras (except under Budget Direct Last Minute Cover). See the table of benefits in the Product Disclosure Statement for limits applicable for your level of cover.

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