USA Travel Insurance for Australian Travellers
Planning a trip to the United States? Go Insurance provides USA travel insurance for Australian travellers — flexible Australian travel insurance from goinsurance.com.au, with comprehensive, budget and student options you can tailor during your quote. And because Australia has no reciprocal health care agreement with the USA, travel insurance isn’t a nice-to-have for an American trip — it’s essential.
Cover is subject to the PDS, including its limits, conditions and exclusions. When you quote, add the United States to your destinations — it sits within the Worldwide region of travel.
USA Cover at a Glance
A Larger-Than-Life Destination — With Larger-Than-Life Medical Bills
Few countries rival the United States for sheer variety. One trip can take in the Manhattan skyline and Times Square, the theme parks of Orlando, the museums and monuments of Washington DC, the Golden Gate Bridge and San Francisco’s cable cars, the Hollywood sign in Los Angeles and the casino floors of Las Vegas — with road trips, national parks and ski resorts in between.
The flip side of that larger-than-life attitude is the cost of things going wrong. The USA has some of the most expensive healthcare in the world, and Australian travellers have no safety net there — no reciprocal agreement, no Medicare. That’s why Go Insurance builds USA cover around what actually matters: overseas medical expenses, emergency assistance around the clock, and flexible cover levels so you pay for the protection your trip actually needs.
What Your USA Cover Can Include
A Go Insurance policy for the United States can provide benefits across the events that most commonly derail a US trip, subject to the limits, conditions and exclusions in the PDS.
Which Level of Cover Suits Your Trip?
Go Insurance lets you select exactly what’s covered, so you get the protection you want at a cost that suits your trip.
No Reciprocal Health Care Agreement with the USA
Australia has reciprocal health care agreements with a small number of countries — such as the United Kingdom and New Zealand — that give Australian travellers access to essential public medical care. The United States is not one of them.
That means Medicare provides no cover of any kind in the USA. If you’re injured or fall ill there, you’re treated as a private patient from the moment you walk into a clinic or emergency room, and you’re personally responsible for every bill — consultation, ambulance, treatment and hospital stay.
Travel insurance with overseas medical cover is the only safety net an Australian traveller has in the United States.
US Healthcare — the Most Expensive in the World
American healthcare is billed item by item, and costs are among the highest anywhere: an ambulance ride, an emergency-room visit, scans, specialist fees and hospital accommodation each carry their own charge. A serious accident or illness — or a medical evacuation home to Australia — can quickly become one of the largest bills of your life.
Go Insurance policies include access to 24/7 emergency assistance on +61 7 3481 9880, so you’re never navigating a US hospital system on your own. If you’re admitted to hospital, or your medical costs are likely to exceed $2,000, you must contact us — it’s a condition of the policy, and it lets our team manage costs and your care directly with the hospital.
How to Get Covered for the USA
Getting USA travel insurance with Go Insurance takes a few minutes — here’s how it works.
Get a Quote
Start your quote at goinsurance.com.au and add the United States to your destinations — it sits within the Worldwide region of travel.
Choose Your Cover Level
Select comprehensive, budget or student cover, and declare any pre-existing medical conditions so your cover is valid when you need it.
Add Optional Extras
Skiing Colorado, cruising to Alaska or golfing in Florida? Add snow sports, cruise or golf cover during the quote — extras can’t be added after purchase.
Confirm & Travel
Check your Certificate of Insurance shows everything you selected, save our 24/7 emergency assistance number, and enjoy the States.
Things to Know Before You Travel
Like all travel insurance, cover for the USA has limits, conditions and exclusions. Key things to be aware of:
Your USA Pre-Travel Checklist
USA Travel Insurance — Frequently Asked Questions
Everything Australian travellers commonly ask about travel insurance for the United States.
Do I need travel insurance for the USA from Australia?
Yes — travel insurance is essential for the USA. Australia has no reciprocal health care agreement with the United States, Medicare provides no cover there, and American healthcare is among the most expensive in the world. Travel insurance with overseas medical, evacuation and cancellation cover is the only financial safety net an Australian traveller has on a US trip.
Does Medicare cover me in the United States?
No. Medicare provides no cover of any kind in the USA, and Australia has no reciprocal health care agreement with the United States. If you need treatment there you’ll be billed as a private patient for everything — consultations, ambulance transport, emergency-room care and hospital stays — which is why overseas medical cover matters more for the USA than for almost any other destination.
What region is the USA in when I get a Go Insurance quote?
Add the United States to your destinations when you quote — it falls within the Worldwide region of travel. Adding the United States covers travel throughout the country, including Hawaii and Alaska. If your itinerary includes other countries as well, add each destination and your quote will reflect the whole trip.
Why does USA travel insurance cost more than cover for other destinations?
Because the potential claims are bigger. The USA sits in the Worldwide region of travel, and its medical costs — treatment, hospitalisation and evacuation back to Australia — are among the highest in the world, which is reflected in premiums. Go Insurance keeps USA cover affordable by letting you choose between comprehensive, budget and student options, so you only pay for the cover your trip needs.
Am I covered for skiing or snowboarding in the USA?
Only if you add the Snow Sports extension during the quote process — standard cover doesn’t include skiing, snowboarding or similar snow activities. The extension must be selected before you buy and shown on your Certificate of Insurance to be valid, so sort it out before you book that Colorado, Utah or Lake Tahoe trip.
Are pre-existing medical conditions covered for a USA trip?
Not automatically — pre-existing medical conditions must be declared to us and accepted before they’re covered. Given the cost of US healthcare, travelling with an undeclared condition is a significant financial risk. Our medical conditions page explains how the declaration process works and what we can consider covering.
What should I do if I’m hospitalised in the USA?
Contact our 24/7 emergency assistance team as soon as possible on +61 7 3481 9880 or sos@goinsurance.com.au. If you’re admitted to hospital, or your medical costs are likely to exceed $2,000, contacting us is a condition of your policy — our team can then deal directly with the US hospital, manage costs and arrange evacuation home if it’s needed. Note that our 1300 number generally won’t dial from overseas, so save the +61 number before you fly.
How do I make a claim after my USA trip?
You can start a claim any time through our claims support page or by emailing claims@goinsurance.com.au. Keep every receipt, medical report and booking confirmation from your trip — US medical billing is itemised, so complete paperwork makes your claim faster and smoother.