What is the best travel insurance for the USA?

The best travel insurance policy for your trip to the USA is a policy that provides cover for the type of trip that you’re taking. When looking for the best travel insurance for the USA, it’s important to choose a travel insurance policy that aligns with your specific travel needs. This might include the nature of your trip to the US, who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip. 

Here are some examples of things you may wish to consider when reviewing policy options:  

• Have you booked your US tour, accommodation or flights? You may wish to consider whether the policy includes cancellation cover in case you can’t travel to the USA due to an unforeseen circumstance such as an unexpected illness or injury.    
• Have you just bought a new phone and you’re worried that it will be stolen in the US? You may wish to consider whether the policy includes cover for luggage and personal effects, including any applicable limits, sub-limits or conditions.    
• Will you be riding or be a passenger on a motorcycle, moped or scooter in the US? You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licencing requirements or helmet use) may apply.   
• Will you be doing adventurous activities like riding a quad bike or zip lining in the US? You might wish to consider whether your policy provides cover for these activities or whether you need to add cover and pay an additional premium to include cover for those activities. 

These are just some of the considerations that should be taken into account when looking for the best travel insurance policy for the USA, so you know what cover is available to you before and during your trip to the USA.  

Before you decide on the best travel insurance for the US, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for.    

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.