Travel health insurance for Australians visiting the US

Popular travel insurance for Australians

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Patriot America Plus

Plan Maximum
Deductible
Pre-existing
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Safe Travels USA

Plan Maximum
Deductible
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Patriot Platinum

Plan Maximum
Deductible
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  Pre-Existing Coverage
Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years). Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  Travel insurance Australia - Highlights
  • Eligible for Non US citizens traveling to the USA and also available for US citizens visiting USA.
  • Emergency medical evacuation covers up to medical maximum.
  • The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
  • Comprehensive travel medical insurance for non U.S. citizens visiting USA.
  • Emergency medical treatment of pregnancy covered up to $1,000
  • Emergency medical evacuation is available for 100% up to 2,000,000.
  • Wellness doctor visit covered up to $125
  • Optional Sports activity coverage available up to $50,000
  • Best suited for travellers expecting first-class medical coverage up to $8,000,000
  • Emergency medical evacuation covers up to medical maximum.
  • The plan offers a benefit of co-pays of $25 for urgent care centre and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
  • Optional adventure sports rider available
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Best travel insurance for USA from Australia

The United States with its economic and cultural influence has made a huge impact all around the globe. The US history of welcoming individuals from all backgrounds and cultures and providing them with great working opportunities in diverse fields has made the US the aspirational destination for skilled professionals world over. The US is hence the ideal place for many Australian professionals to migrate.

To facilitate travel and further strengthen ties and people-to-people links between Australia and the US, the two countries have a Work and Holiday visa arrangement which allows eligible Australians to stay and work for 12 months in the United States. The relationship has encouraged travel of between both the two nations which includes long-term professionals, temporary business travelers and working holiday makers. There were about 240,000 Australians in the US and in 2019 the Business Visa Waiver entries went up by 1.7% from 162,416 to 165,201.The contribution of Australians can been seen in every US state in businesses, defense personnel, professional sportsmen and women and expatriates.

Around 600 defense personnel are located across 31 states and the District of Columbia. More than 10,000 Australian companies trade to or operate in the United States hiring thousands of Americans. A bilateral social security agreement was signed between the two countries in October 2002 to provide better social security protection for those who have lived or worked in both Australia and the US. Fortunately, since 2005, Australians have had special E3 work visa, that allows Australians to work in the USA for a period of time and get the benefits of permanent residency. The spouse of the Australian on an E3 visa can also work while in the States but it cannot be used as the basis for a Green Card application. Each year, the US allows 10,500 E3 visas solely for Australian professionals.

There is an increasing numbers of Australians in the entertainment industry too. The creativity and expertise of Australians is seen in cinematography and in special effects. While immigrating to the US, it is important to have good immigrant medical insurance. The US health care is very expensive and being forced to visit an US hospital without insurance is scary which can result in huge financial loss. A proper visitor’s insurance or new immigrant insurance cover will provide coverage for unexpected medical emergencies during your stay in the US.

American visitor insurance offers some of the best US new immigrant insurance options along with guaranteeing the best price. The new immigrant medical insurance options can include coverage for pre-existing conditions till Australian professionals are eligible for domestic US insurance. There are tools to compare several plans both for prices as well as benefits offered as well as provide answers to FAQ's by customers. Buying US visitor medical insurance is easy at American Visitor Insurance. For more details you can call or email us for further assistance and one of our licensed agents will help you.

Australian citizens visiting the US, Travel insurance for America

The United States attracts Australian tourists for many places like New York, Seattle, Chicago, San Francisco, Los Angeles, Las Vegas, Orlando, Disneyland, Grand Canyon , amazing Niagara Waterfall, many natural parks like Yellowstone National Park, Yosemite National Park, Grand Teton National Park etc.

Medical insurance for U.S. citizens living in Australia visiting US

U.S. citizens and expats living in Australia frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel insurance for U.S. expats visiting USA. Short term travel health insurance in USA for us citizens visiting the country that are designed by IMG a reputed US insurance provider are Patriot America Lite, Patriot America Plus, Patriot Platinum America. Another popular travel insurance for U S citizen traveling to USA is Diplomat America insurance by Global Underwriters. The cost of US expat returning to USA health insurance are based on the traveler’s age, duration of coverage and chosen plan maximum with deductible.

Cost of health insurance for US expats visiting the USA in 2024

Travel insurance USA Coverage Deductible Provider Network Cost #
Patriot America Lite IMG $50,000 $100 United HealthCare $86
Patriot America Plus IMG $50,000 $100 United HealthCare $87
Patriot Platinum IMG $2,000,000 $100 United HealthCare $195
Diplomat America Global Underwriters $50,000 $100 No PPO $138

# Approximate cost of US expat returning to US health insurance is for a 40-year-old US visiting US for a duration of 1 month

Best travel insurance for US citizens visiting USA

USA Flag  USA - General Information

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Washington, D.C.
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Around 340 million
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Best time to visit
During Spring or Autumn
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North America

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Health Care in the US & Australian citizen benefits in USA

Naturally, the first thing one thinks about when planning a trip is not how much a trip in that country’s ER will cost you. However, we do suggest you consider the high costs of health care in the US and arrange to have yourself and your loved ones covered in case something does happen.

Emergency room expenses and hospital stays are extremely expensive and regularly impoverish under-uninsured and uninsured people in the US. It is not a great state of affairs, but at the moment, this is a reality.

You must be very careful and bring any prescription medication as well as a prescription or copy of such so that you can show that you have good reason to have medications with you. There are lower cost “Urgent Care” centers that can be used for sudden, non-life threatening situations that will be cheaper and quicker than trying to visit a hospital emergency room.

They can assess the situation and often treat the situation quickly and efficiently. They also are open beyond “normal” doctor hours (why do these things seem to always happen on Sunday afternoons?) which can be helpful to be aware of. Here at American Visitor Insurance, we have many options with reputable insurance companies who help international travelers receive the care they need the world over! Let us help you find the right plan!

Best travel insurance Australia to USA

Senior Citizen Insurance

Australian Senior citizen travel insurance for traveling outside their home country.

Available plans

Pre-existing Coverage Insurance

Travel health insurance coverage for Australian travelers with Pre-existing diseases.

Available plans

Annual multi-trip travel insurance for Australian corporate travelers

Given the interconnected nature of the Australian and the US economies, there are many Australian business people and Corporate employees who make several trips annually to the US for work. For regular travelers, buying the Annual multi-trip travel insurance works very well. The Australian travelers must have domestic health insurance policy while being covered under this plan. The annual multi-trip insurance insures the traveler for innumerable trip throughout the whole year as long as each trip is limited a fixed duration (usually 30 or 45 days) depending on the multi-trip insurance plan.

Factors to buy best travel medical insurance USA from Australia

Age of the traveler

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Steps to buy
US visitor travel insurance online

search 1: Finding the best health insurance for foreigners

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

balance 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

request_quote 3: Buy the US travel health insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

description 4: Review insurance plan documents received by email

Review the international travel health insurance policy for coverage details and relevant contact numbers

us visitors insurance online

Travel health insurance for Australian visiting the US - FAQ's

1. Do i need health insurance to travel to USA?

While it is not a legal requirement for Australians to have health insurance to enter the USA, it is highly recommended for several important reasons. The USA has some of the highest healthcare costs in the world. Without insurance, even minor medical treatments can be extremely expensive. Health insurance ensures you can access necessary medical care without facing potentially crippling financial burdens.

2. What happens if a tourist from Australia gets sick in USA?

What happens if a tourist from Australia goes to the hospital in the US ? How are Australian tourists emergency hospital bills handled ? What is involved in seeing a Doctor in the US as a tourist ? How is the medical treatment in USA for Australian handled?

The above are common concerns of Australian tourists visiting the United States. It is extremely important for US tourists to know that healthcare in the US is very expensive and that most US residents have health insurance to cover their medical expenses.

Given this situation, it is important for US tourists to have the best travel insurance for US as they are fully responsible for any medical expenses that they incur in the country. Being forced to get medical treatment in usa without insurance can be financially catastrophic, and the best way to shield oneself from this situation is to buy US travel insurance for the entire duration of one’s visit to the country.

3. Can Australian citizens travel to USA?

Yes, Australian citizens can travel to the United States, typically under the Visa Waiver Program (VWP). The VWP allows Australian citizens to visit the U.S. for up to 90 days for tourism, business, or transit without needing a visa. However, they must apply for an Electronic System for Travel Authorization (ESTA) before their trip, which is valid for two years or until their passport expires.

For stays longer than 90 days or purposes like studying, working, or immigrating, Australians need to apply for the appropriate visa, such as the F1 for students or the E3 visa, which is specifically for Australians working in specialty occupations.

4. Is travel insurance mandatory to USA?

No, travel insurance to America from Australia is not mandatory. However, travel health for visitors from Australia to USA is recommended. The cost of healthcare in the U.S. is significantly high, and without insurance, even a minor medical issue can lead to substantial expenses. Travel insurance for US visitors from Australia can cover medical emergencies, trip cancellations, lost luggage, and other unexpected events during your stay.

Given the potential risks, it's advisable to purchase a comprehensive travel insurance to USA from Australia to ensure peace of mind and financial protection.

Long Term and Flexible Insurance Options

Here at American Visitor Insurance, we have talked with thousands of Australians getting insurance for their US stays for many number of reasons. Some of our Australian clients have wanted to extend their trips beyond the coverage they purchased from Australia before leaving. It seems that to continue with a Australian plan, you must return to Australia to make your purchase. However, with our plans, you can start coverage the day your other coverage ends and not have the expense or bother of a return trip.

Also, in some cases, particularly for clients with pre-existing medical conditions, they are not able to get their Australian insurance for their trip due to some constraint or another. While, of course, we would never suggest traveling against advice of doctors; some of our plans cover “acute onset” of pre-existing medical conditions. To be clear, the conditions must be stable and they will not cover required treatment or medication for such a condition, but they will kick in if there is some unexpected recurrence due to the pre-existing condition. So, check out our rates and compare them to what you are offered from your home country or keep us in mind if your travel plans change along the way!

Travel insurance for acute onset of pre-existing conditions

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.

Travel Insurance - Pre-existing conditions coverage

Compare and buy best pre-existing plans

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