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

Find out more

The information on this page is a summary only. For more details about travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.

Frequently asked questions

Does travel insurance cover medical and hospital expenses?

All four of Budget Direct’s international travel insurance policies – Comprehensive, Essential, Last Minute, and Annual Multi-Trip – include an unlimited amount for overseas medical and hospital expenses, including:

  • ambulance and emergency medical, surgical and hospital costs
  • cost of your return to Australia earlier than planned if this is medically necessary and we authorise it
  • if you cannot return to Australia as you originally planned and if it is medically necessary and we authorise it, we will pay for reasonable travel and accommodation expenses:
    • to allow you to return to Australia, and
    • for someone to stay with you and travel home with you, or
    • for one relative or friend to travel from Australia to stay with you and travel home with you
  • cost of returning your body or ashes to Australia (up to $20,000) or cost of a funeral and burial in the country in which you die (up to $10,000).

This cover excludes any claims arising from pre-existing medical conditions (other than the 27 we cover).

Note that, if you suffer an illness or injury that requires emergency transportation, hospitalisation or repatriation and/or is likely to cost more than AUD$500 to treat, you (or someone else on your behalf) must contact us as soon as possible.

Our Domestic policy does not include cover for medical and hospital expenses, as these expenses are already claimable in Australia from Medicare and/or your private health fund.

Does travel insurance cover mobile phones?

Yes – all Budget Direct policies except Last Minute include cover for mobile phones.

For more details, including the terms, conditions, limits and exclusions that apply, please see the ‘Luggage and Personal Effects’ section of the product disclosure statement.

Does travel insurance cover rental / hire cars?

Yes – all Budget Direct policies except Last Minute include cover for mobile phones.

For more details, including the terms, conditions, limits and exclusions that apply, please see the ‘Luggage and Personal Effects’ section of the product disclosure statement.

When should I buy travel insurance?

It’s up to you exactly when to buy travel insurance, however it must be purchased before your trip commences.

By getting Budget Direct travel insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (e.g. an unforeseen illness or injury).

(This is unless you have a Last Minute policy, which does not include cancellation cover.)

If you’re a frequent traveller with an Annual Multi-Trip policy, you’re covered for an unlimited number of up-to-30-days trips you take within 12 months to your chosen destination/s.

Before each trip, you won’t need to let us know where you’re going – unless your destination is not one you selected originally, in which case you will need to contact us or log into your online account and edit your policy.

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Can travel insurance be extended?

Yes – as long as you contact us at least two days before your single-trip policy expires, you can extend your cover – just once, and for a maximum total duration of 12 months (90 days for travellers aged 66 to 100).

An Annual Multi-Trip policy is effective for 12 months, however each trip must last 30 days or less (if you plan on taking a longer trip, you’ll need to purchase another, single-trip policy).

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