usa travel insurance from australia

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Travel Insurance for the USA

Travelling to america.

Travelling to the USA is really exciting – it’s a huge country with an enormous array of attractions, natural landscapes, cultures, climates and fascinating people. From the skyscrapers of New York City to the wilderness of Utah, the beaches of California to the many theme parks of Florida, there is so much to see and do!

When you’re planning your trip to the USA, think of how you want to get around. Will it be the fun and freedom of a road trip or will you be a jet-setter, going from one thrilling city to another? When considering travel insurance, keep your transportation methods and the weather in mind. You don’t want to be out of pocket for flights delayed by snowstorms or a costly excess on a rental vehicle.

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, choose your plan.

Basic Travel Insurance

• Overseas Emergency Assistance 2
• Overseas Medical & Hospital Expenses 2
• Personal Liability 2

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 2
• Unexpected trip cancellation 2
• Loss of or damage to luggage and personal effects 2

Multi-Trip Travel Insurance

Health and safety when travelling in the usa.

Keeping safe

Keeping healthy, being prepared for adventures.

Road-tripping in the USA

Renting a car can be a great way to travel around the USA, but it can leave you with large out-of-pocket expenses if something goes wrong.

If your rental vehicle is involved in an accident while it’s being driven by you and you’re the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit) 2 :

• the amount specified that you’re liable to pay under the rental vehicle agreement, or
• the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note:  This cover only applies if:

• you hire a rental vehicle from a rental company or agency;
• you’re a nominated driver on the rental vehicle agreement; and
• the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 

Optional snow, cruise and adventure packs

The possibilities are endless in the USA. You can ski, surf, hike, scuba dive, skateboard, cruise, kayak, camp, stay on a ranch, or gaze across a canyon. If you’re an adventurer, a keen skier or you live for cruising, consider buying an optional Snow Pack , Cruise Pack or Adventure Pack for an additional premium when buying an Allianz Comprehensive Travel Insurance policy. 2

Refer to the Product Disclosure Statement (PDS)  for more information.

Ready to find your travel insurance for the USA?

Frequently asked questions.

The cost (also known as a premium) of your travel insurance policy will vary depending on a number of factors including:

• Your travel destination(s)
• The length of your journey
• The time between the date you buy your policy and the start date of your journey
• The number of people to be insured under the policy and their ages
• The plan you select (for example, Basic or Comprehensive)
• Any pre-existing medical conditions you have, which are only covered if you complete a medical assessment, and we agree to cover you

You can choose to adjust your excess amount or selectable cancellation amount on applicable plans, which will change your premium. Get your quote online today. 2

Refer to the “Your insurance premium” section of the Product Disclosure Statement (PDS)  for more information.

Allianz Comprehensive Travel Insurance may cover you for theft, loss or damage to luggage, personal effects and valuables. The sub-limit for a camera, lenses, tripod and accessories is up to $3,000. The sub-limit for a mobile phone is $1,000. If your equipment is valued at more than that, consider buying Increased Item Limits for an additional premium when you buy your policy. 3

Refer to Increased Item Limits Cover section of the PDS for more information. 

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Policy terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
• The maximum we’ll pay for all claims combined under the Luggage, Personal Effects & Valuables Benefit is the benefit limit shown in the Table of Benefits in the PDS for the plan you’ve selected, even if you’ve bought Increased Item Limits cover.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

The Best USA Travel Insurance for Australians

Travel to the United States of America is a dream for many but for the unlucky few who experience a medical emergency, it can quickly turn into a nightmare. Travel insurance can make it easier to bear challenges like overseas hospital stays and stolen luggage.

It’s not a question of whether you should get travel insurance for the USA but how much insurance you’ll need — and what the best travel insurance is to cover it.

Important: Travel insurance policies are always changing. Be sure to double-check all details and read the PDS before you take out a policy. While we’re unable to compare all travel insurance policies for Australians heading to the US, we do our best to cover as many as possible.

The Top Travel Insurance Policy for the USA coming from Australia

Fast cover international comprehensive, best features.

• Unlimited overseas medical cover (including for COVID-19)
• Unlimited cover for overseas emergency evacuations
• Automatic cover for 43 pre-existing medical conditions
• Unlimited trip cancellation cover
• Up to $50,000 for trip disruption
• Up to $5,000 for out-of-pocket non-medical expenses during a hospital stay

Fast Cover Comprehensive offers some of the best medical coverage of all the policies we compared for visitors to the US. Not only does it include unlimited medical cover, but it also automatically covers 43 pre-existing medical conditions, as well as a generous $50,000 in case of a permanent disability.

While the policy includes unlimited trip cancellation cover, the benefit for cancellations caused by COVID-19 is capped at $5,000 — still one of the more generous benefits for this item of all policies we compared.

You also have the option to add on cover if you’re planning to undertake more adventurous activities on your journey or you’re travelling by motorcycle. Just beware that if you’re planning to ski or do any other snow sports, you will need to buy a separate, dedicated snow sports policy.

Finally, Fast Cover Comprehensive is also one of the more affordable policies we compared, making it the best value travel insurance for single trips to the US on our list.

The Best Medical Insurance for USA Travel

Australia post international basic plan.

• Unlimited cover for medical emergency evacuation
• Unlimited cover for additional expenses if you’re unfit to continue travelling
• Up to $2,000 emergency dental cover
• Permanent disability and accidental death cover
• $5 million for personal liability cover
• Automatic cover for 37 pre-existing medical conditions
• $2,500 for additional expenses if you test positive for COVID-19 and need to self-isolate
• 24/7 Overseas medical and emergency assistance

If you’re looking to cut costs on your travel insurance, a medical plan may be the way to go. This covers you for most medical emergencies but not things like trip cancellations or stolen luggage.

Basic medical insurance for USA travel is almost identical across providers. There is usually unlimited cover for medical emergencies and evacuations.

However, Australia Post takes it a step further with $10,000 cover for permanent disability and accidental death — benefits that no other travel medical insurance we compared offered.

Cover is available for additional accommodation and transport expenses if you or your travelling companion are laid up because of a disabling injury or sickness (including COVID-19).

These additions make Australia Post the best travel health insurance for visitors to the USA that we’ve found in our comparison. However, there are a few things to watch out for.

A special excess of A$250 applies to any event caused by COVID-19, on top of the standard excess. For example, if your general policy excess is A$100, your total excess for a COVID-related event will be A$350.

If you want to cover snow sports, motorbike riding, or cruise trips, you will also need to specify this when you buy the policy or you won’t be insured if you are injured while undertaking these activities.

The Best Travel Insurance for the USA for Seniors

Qantas international comprehensive travel insurance.

• 40+ pre-existing medical conditions automatically covered
• Unlimited overseas emergency dental expenses
• Unlimited trip cancellation cover (and up to $2,500 for COVID-related trip cancellation or disruption)
• Qantas points can be earned on policy purchase

It can be hard to figure out the best travel insurance for seniors visiting the USA. With Qantas Comprehensive Travel Insurance, you will receive unlimited cover for medical emergencies and emergency dental expenses.

In addition, 43 pre-existing medical conditions are automatically covered, including hypertension, high cholesterol, osteoporosis, and osteopenia.

Generous benefits are provided for travel mishaps, with cover including up to A$15,000 for lost, stolen or damaged luggage, A$1,500 for travel delays, and A$500 for delayed luggage.

Terms and conditions apply and are different for those under 69 compared to those aged 70 and above so make sure you read the PDS fully to understand what you will be covered for.

The Best Travel Insurance for the USA for Pre-existing Medical Conditions

Nib comprehensive plan.

• Automatic cover for 40+ pre-existing medical conditions
• Apply for cover for any condition not automatically included
• Unlimited medical cover (including for COVID-19)
• Pregnancy included in standard medical cover
• Up to $10,000 for COVID-related travel costs

The NIB Comprehensive Plan automatically covers 43 existing medical conditions, including diabetes, epilepsy, high cholesterol, and high blood pressure — as long as you satisfy the criteria listed in the PDS.

If you’d like to be covered for an existing medical condition outside the automatic coverage list, you will need to complete medical screening when you buy your policy. You will likely need to pay an additional premium to insure the condition.

NIB doesn’t consider pregnancy a pre-existing condition so its comprehensive USA travel insurance covers pregnancy automatically. However, if you have a pregnancy-related illness or existing pregnancy-related medical condition when you buy the policy, you will need to mention it at the time of purchase.

With its extensive list of included conditions, its unlimited medical cover, and its whopping $10,000 cover for COVID-related travel costs (the best cover we found for this item), we consider NIB Comprehensive to be the best travel insurance for the USA for those with a pre-existing health condition.

What You Need to Know About Travel Insurance for the USA

Having travel insurance isn’t a mandatory requirement for entry into the United States but it is strongly recommended.

Medical costs — even for a simple GP visit — can be substantially higher in the US compared to Australia. In other countries, we have reciprocal health care agreements (which means you’re covered under Medicare) but there’s no such agreement in the US.

This means that while you don’t technically need to have travel insurance to visit the US, you may end up in serious trouble without it. It’s common practice for American medical facilities to require proof of insurance or the ability to pay for any treatment before you receive it. If you have neither, you could be denied medical care.

At a minimum, you will need basic medical insurance for the USA but it is best to look out for comprehensive travel insurance that includes unlimited medical cover, including for medical evacuations.

How much travel insurance you need for the USA depends entirely on you. You will need to make sure you’re covered for:

• Any medical emergency
• The activities you want to undertake
• Any pre-existing medical conditions
• The full duration of your stay

The best way to get travel insurance for the USA is to purchase it online directly from the provider you choose.

It’s hard to say how much your USA travel insurance will come to. It depends on a host of factors, including your age and health, the duration of the holiday, and the activities you have planned.

However, to give you a ballpark estimate, we compared a range of comprehensive travel insurance policies for a two-week trip to the States for a 35-year-old Australian traveller. The average cost of travel insurance for the USA with a $100 excess was about A$250 though premiums varied from just under A$200 to over A$400*.

*Based on a comparison of 17 policy quotes provided in April 2023.

Travel insurance to the United States of America has always been expensive. Policies that cover US travel are among the priciest in the market.

To make matters worse, the cost of travel insurance to the USA from Australia has more than doubled for many people since the start of the pandemic.

Let’s compare.

A two-week single trip to the UK for a 35-year-old woman with Fast Cover Comprehensive travel insurance costs A$162.99. The exact same policy for the US costs A$197.99. For Thailand, it's $141.99.

The main reason travel insurance in the USA is so expensive is that medical expenses in the States can be outrageously high. The average cost of a hospital visit is $2,873 per day , although it can be as high as $3,726 per day in California. Overnight stays average about $13,600.

While the choice is ultimately yours, it’s important to remember just how much medical costs can skyrocket in the US.

For this reason alone, it’s best to travel to the USA with comprehensive travel insurance that offers nothing less than unlimited medical cover.

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USA travel insurance

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Why do I need travel insurance in USA?

• It can cover you for emergency medical treatment.
• It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
• It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
• If you're renting a car in USA, make sure you have car rental excess cover.
• Travelling in a foreign country may put your valuables at risk and travel insurance can cover you for lost or stolen items.
• Terrorism is a risk in USA. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for USA? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

USA travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

• If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
• Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
• You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
• Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in New York City, get injured and need medical attention, travel insurance won't cover you.
• Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in USA.

What add-ons should I look for?

• If you're getting adventurous, a lot of policies will offer adventure packs which can cover you for loads of activities like horse riding, hiking and zip lining.
• USA is a popular destination for snow sports. Whether you're skiing, snowboarding or cross country skiing, you'll often need to add extra cover to your policy.
• If roadtripping is your thing, including car rental excess cover in your travel insurance is a sure way to save money. Some policies even automatically include it.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in USA. A policy can cover you for the following:

• Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
• Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
• Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for USA?

• Medical only or basic policies will generally be the cheaper policies on the market.
• Use exclusive deals or promo codes to get a discount.
• Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
• Compare across a handful of travel insurers – they're not all the same.
• Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 911 (police), 911 (ambulance) or 911 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in USA, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Why you can trust Finder's travel insurance experts

FAQs about USA

Which travel insurance is good for usa.

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in USA so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to USA?

The Australian government's smartraveller site recommends that you take out cover when travelling to USA. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for USA?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to USA?

Yes. The Australian government smartraveller website says to exercise normal safety precautions in USA.

Gary Ross Hunter

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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9 Responses

Can I get travel insurance for a family member who hasn’t bought a return ticket yet but has already left the country for US 2 week ago. He’s planning to be in US for 2 months. Can he still be covered?

It’s unlikely you can get your family member can get travel insurance in the current situation. Travel insurance typically requires purchase before trip departure and most policies have a clause stating coverage starts at a specific time after purchase (usually within a few days of buying the policy), and this must be before the trip starts. Since your family member is already in the US, most insurers won’t offer coverage. Not having a return ticket can be an exclusion. Some policies require a confirmed return flight for coverage, especially for trip cancellation benefits.

Hopefully he has an uneventful trip, and hope this helps!

I only require cover for 1/ Medical. 2/. Cancellation only. No other coverage. Thank you, Maree Cooper

You can explore travel insurance covers listed on this page. You can also use our comparison tool to help you to find a cover that matches your needs.

Simply provide the information needed then click Get my quote to see the deals.

Regards, James

Is there an insurance product suitable for a young Australian musician who is going to live in the USA on an O1 visa for the next 3 years?

Longer term travel insurance usually covers only a maximum of 12 months (although you may wish to reach out to a provider directly to see if they’ll offer more extensive coverage). Depending on the type of cover you need, you could look into life insurance covers for non-US residents here (Note that this page will feature brands available through our US site.) You could also look into getting health insurance to cover medical expenses.

Best, James

Thank you for getting in touch with Finder.

According to our review on senior travel insurance , yes, you may still find insurers that will cover you even if you had cardiac bypass surgery, provided you declared the bypass operation when taking out your policy and were proclaimed fit for travel by your doctor and approved by the insurer offering heart condition cover .

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

Looking for a quote for Fiji citizen travellers to USA

Thanks for getting in touch. The travel insurance brands in Finder does offer travel insurance to some non-Australia residents depending on their circumstances. Please head over to our non-resident travel insurance guide to review terms and conditions.

All the best, Richard

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The Best Travel Insurance for Australia in 2024

Travelex Insurance Services »

Allianz Travel Insurance »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Australia.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Most travelers heading "Down Under" need to make quite the trek, and that's especially true for those planning a trip to Australia from the United States. Flying from Los Angeles to Sydney takes around 15 hours, and even more travel time is required to get to Melbourne and other destinations that require a layover on the way.

Plenty can go wrong en route to Australia as well as once you get there, and the potential for financial losses can be great if you're not careful. Not only can traveling long distances increase the risk of travel delays, but you also face the risk of flight cancellations, baggage delays, lost baggage and missed connections.

These are just some of the reasons why it makes sense to have a robust travel insurance plan in place before you fly overseas for a vacation in Australia. While any reputable travel insurance provider can provide you with protection for emergency medical expenses, your bags, travel delays and other various travel mishaps, we curated this list of top travel insurance plans for a trip to Australia specifically.

Frequently Asked Questions

Travel to Australia requires a huge commitment in terms of travel time and cost, which is why you'll want to make sure you have coverage that can reimburse you if something goes wrong. If your flight is delayed or canceled , your bags are lost in transit, or a missed connection leaves you stuck in another country for several days, having travel insurance means you can get reimbursement for unexpected hotel stays, meals you have to pay for and various incidental expenses.

Having travel insurance for Australia that includes medical coverage is also crucial since coverage provided in U.S. health plans will not apply.

Some travel credit cards offer coverage for trip cancellations or interruptions, travel delays, and lost or delayed baggage. However, credit cards are a poor source for coverage that protects against emergency medical expenses. Most credit cards do not offer coverage for emergency medical expenses or emergency medical evacuation at all, and those that do (such as the Chase Sapphire Reserve ) have insufficient coverage limits.

• Travelex Insurance Services: Best for Families
• Allianz Travel Insurance: Best for Flexible Cancellations
• Generali Global Assistance: Best for Medical Emergencies
• World Nomads Travel Insurance: Best for Adventure Travel
• GeoBlue: Best for Travel Health Insurance

Kids ages 17 and younger are covered automatically with Travel Select plan

Primary coverage with no deductibles

Lower limits for medical expenses than some providers

• 100% trip cancellation coverage worth up to $50,000
• 150% trip interruption coverage worth up to $75,000
• Trip delay coverage worth up to $2,000 for delays of five hours or longer ($200 daily limit applies)
• Missed connection coverage worth up to $750 for delays of three hours or longer
• Up to $50,000 in protection for emergency medical expenses (dental sublimit of $500)
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $1,000 in coverage for baggage and personal effects
• Up to $200 in coverage for baggage delays of 12 hours or longer
• Up to $200 in coverage for sporting equipment delays of 24 hours or longer
• $25,000 in coverage for accidental death and dismemberment (AD&D)

SEE FULL REVIEW »

Optional CFAR coverage reimburses at 80%

Numerous plans to choose from

Lower coverage limits for medical expenses than some providers

• Up to $100,000 per traveler in coverage for trip cancellations
• Up to $150,000 per traveler in coverage for trip interruptions
• Up to $500 per traveler in Trip Change Protector coverage
• Up to $50,000 in emergency medical coverage per traveler
• Up to $500,000 for emergency medical transportation per traveler
• Up to $1,000 toward baggage loss or damage per traveler
• Up to $300 per traveler in coverage for baggage delays of 12 hours or more
• Up to $800 in protection for travel delays per traveler (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Tailor medical coverage to your needs

Generous limits for emergency medical and medical evacuation coverage

Coverage for preexisting conditions only available with Premium plan

Optional CFAR coverage with Premium plan only reimburses at 60%

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection; $500 for delays
• Up to $2,000 per person in coverage for sporting equipment; $500 for delays
• Up to $1,000 per person in missed connection coverage
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation ($10,000 limit for companion hospitality expenses)
• Up to $25,000 per person in rental car coverage
• Accidental death and dismemberment coverage

Coverage for more than 200 sports and activities

24-hour travel assistance services included

Low coverage limits within standard plans

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellations
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Offers travel health insurance for lengthy trips abroad

Deductibles can apply

Some plans require a primary U.S. health insurance plan

• Up to $1,000,000 medical maximum per insured person
• Up to $500,000 in coverage for emergency medical evacuation per trip
• Up to $50,000 in coverage for accidental death and dismemberment
• Up to $2,500 in coverage for emergency family travel arrangements
• Up to $25,000 in medical coverage for hazardous activities like skiing and diving
• Up to $500 per trip in lost baggage and personal effects coverage ($100 limit per bag)
• Up to $1,000 per trip period in post-departure trip interruption transportation
• Up to $50 per day in post-departure trip interruption quarantine coverage (in the case of COVID-19)
• Up to $25,000 in protection for repatriation of remains

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering topics like family travel, cruises, all-inclusive resorts and travel insurance for well over a decade. Johnson has researched and purchased travel insurance plans for her own trips, and she has successfully filed claims and received reimbursement more than once over the years. Currently, Johnson uses an annual travel insurance policy from Allianz to cover her family's many trips overseas each year. Johnson also works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business. Johnson also co-owns the travel agency Travel Blue Book .

You might also be interested in:

Travel Insurance for Europe: 4 Best Options for 2024

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Expat Travel Insurance: The 5 Best Options for Globetrotters

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Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Travel insurance for the United States

The United States offers a whole world of experiences in just one country. From the soaring skyscrapers of New York City to the rhythmic soul of New Orleans and the untamed vistas of the western deserts, it's a destination where every traveller can find their perfect escape.

Amidst the excitement, it's crucial not to overlook the importance of travel insurance. Unforeseen events can occur, from travel delays to the need for medical care, and you could find yourself facing hefty expenses without proper coverage. So, while you savour your United States journey, our array of travel insurance policy options can help to relieve the extra worry of certain unexpected challenges.

What do I need to consider before purchasing travel insurance for the United States?

Before setting off on your American holiday, consider these key points when choosing travel insurance.

Local conditions

Stay updated on the conditions in the USA, particularly in places you plan to visit. In such a large country, it can be easy to miss events in specific areas, such as festivals and parades, sporting events, protests, potential political unrest or even natural disasters that might impact your travel plans. Websites like Smartraveller.gov.au provide valuable insights, travel alerts and advisories for Australian travellers.

Travel plans and activities

Whether it's hiking in national parks, enjoying city tours or finally going on that great American road trip, check that your travel insurance policy covers your holiday activities. Check the Product Disclosure Statement (PDS) to determine whether you need additional coverage.

Protect your belongings

The USA offers world-class shopping experiences, though it's equally important to safeguard your current possessions from petty theft. Approximately one-quarter of all claims received are due to lost luggage or travel documents. Our international comprehensive plan covers loss or theft of personal items and electronic gadgets, and you can increase the coverage limit(s) for an additional premium.

Comprehensive cost assessment

Factor in the total cost of your trip, from flights to accommodations and attractions. This way you can make sure you have a comprehensive travel insurance policy that meets your specific trip requirements and may help cover costs that arise due to travel delays, cancellations or changes.

Healthcare and medical needs

The United States healthcare system can be expensive for tourists. Consider a policy that includes overseas medical coverage for costs that may arise from medical care, medical treatment and medical emergencies. It’s important to understand the exclusions, especially for anyone travelling with pre-existing medical conditions.

What should my travel insurance to the United States include?

A suitable travel insurance policy should include benefits that offer protection against theft, trip cancellation and delays in specific situations, and includes immediate access to emergency assistance should the need arise during your exploration in the United States. Check the PDS to determine which Australia Post travel insurance policy is right for you.

Protection against theft

While travelling, the risk of theft remains a concern. If your personal items like handbags, luggage, credit cards or passports are stolen, our travel insurance policy options can help cover you in this situation. We offer compensation or replacement for lost, stolen or damaged items such as smartphones, cameras, laptops and other electronics, subject to certain limits. For high-value items like designer accessories or specialised electronic gear, we provide options to enhance coverage and safeguard your belongings.

Access to healthcare services

In the unforeseen event that you sustain injuries from an adventure, or even fall ill from unfamiliar foods, policyholders have access to our Virtual Care services, which can provide consultation with an Australian-based GP for expert medical advice, no matter where you are in the States.

Coverage for unforeseen plan changes and cancellations

Travel plans can be unpredictable, and changes can occur for various reasons, including altered government travel advisories or extreme weather events.

Unfortunately, the US is no stranger to natural disasters such as tornadoes, hurricanes, blizzards and forest fires. If the area you’re planning to visit becomes affected and you need to cancel or change your booking, our travel insurance provides some cover in the event of a natural disaster. This may offer financial protection against extra costs that might arise.

Travel tips for the United States

Stay informed.

Keep up to date with local news and current travel alerts in the areas you're visiting. Use reliable sources such as Smartraveller.gov.au for real-time information on safety and services.

Cultural sensitivity

Like Australia, the US offers a rich blend of diverse peoples and cultures. So, respect local customs and be mindful of your behaviour in public spaces. When travelling to foreign countries, it’s better to err on the side of caution regarding public behaviour.

United States tipping culture

Ensure you carry cash for tipping staff at bars, hotels and restaurants in the US, as it's a customary practice to show appreciation for good service. Generally, it’s customary to leave a tip ranging from 20-25% on the bill (pre-sales tax), with additional amounts for exceptional service or in line with the establishment's standards.

Health precautions

Consult your healthcare provider for advice and necessary vaccinations. Carry essential medications and a basic first-aid kit.

Secure your belongings

Be vigilant with your possessions, especially in crowded areas or while using public transport. Keep your passport in a safe space, perhaps in your interior coat pocket.

Documentation and safety copies

Keep copies of important travel documents like your passport and insurance policy. Share your itinerary and emergency contacts with someone trustworthy.

Exploring the US can offer a truly enjoyable and enriching travel experience. With comprehensive travel insurance , you can relish everything from the hustle and glam of Manhattan to the tranquillity of the Pacific Coast, knowing that you have coverage in place. For a full list of cover provided please read our PDS (PDF 696kB) .

Are the States calling your name?

Make sure you’re covered before your trip.

Related articles

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Travel in California: the top weekend getaway destinations

An art-lover’s guide to Las Vegas

Limits, sub-limits, conditions, exclusions and fees apply. Policies may not be available to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340 AFSL 457551). Travel insurance products are underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider your financial situation, needs and objectives and read the relevant Product Disclosure Statement and Target Market Determination before deciding to buy this insurance. For more information on these products, please contact us on 1300 728 015 or email [email protected]  

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11 Best Travel Insurance Companies in August 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

IHG One Rewards Premier Credit Card

Earn 5 free nights at an IHG property after $4k in spend (each night valued at up to 60k points).

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USA-ASSIST Worldwide Protection is an Australia travel insurance company that provides protection and assistance to all kind of travelers, groups and organizations around the world, at the same cost, coverage quality and with no benefit reduction.

• Travel Medical Insurance

Is a travel insurance with travel medical coverage to cover unexpected occurrences and emergencies.

• Annual Travel Insurance

Is a multi-trip annual insurance for frequent travelers and business that perform ​​3 or more trips during the year.

• Trip Cancellation Insurance

Is a travel insurance with trip cancellation protection for an unexpected event that allow for retrieving travel expenses.

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Do I need travel insurance to visit Australia?

Best travel coverage for visiting australia, what does travel insurance for australia cover, what isn’t covered by travel insurance for australia, how much does travel insurance for australia cost, tips for getting the best australia travel insurance, australia travel information & requirements, australia travel insurance faqs, related topics.

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

• To travel to Australia, you must have a valid U.S. passport , but you don’t need a visa.
• The Australian government doesn’t require American tourists to purchase travel insurance, but it’s wise to have at least medical and medical evacuation coverage since your U.S. health insurance won’t work in Australia .
• In addition to medical emergencies, travel insurance can also cover things like trip cancellations, trip interruptions and rental car damage .
• According to our research, our top picks for travel insurance for Australia come from Travel Insured, Travelex and Faye ( skip ahead to view these plans ).
• We recommend using an online comparison tool to find the best travel insurance policy to suit your needs.

Our top picks for the best australia travel insurance

• Travel Insured International: Best for Robust Coverage
• Travelex Insurance Services: Best for Basic Medical Coverage
• Faye Travel Insurance: Best for Digital Claims Process & App

Our top picks for travel insurance for Australia

Travel insured international, travelex insurance services, faye travel insurance.

Australia doesn’t require U.S. tourists to buy travel insurance, but we highly recommend purchasing a comprehensive policy before your trip commences.

Below are some risks you may encounter that would make purchasing travel insurance worthwhile .

Risks with adventure activities

Australia is one of the best places to visit if you love parasailing, paragliding, hot air ballooning, diving and other adventure activities. Unfortunately, these activities are risky, so there’s a chance that you’ll break a bone or sustain some other type of injury.

Travel insurance covers medical expenses and other costs associated with these injuries, ensuring you don’t end up with a huge hospital bill. This type of insurance is especially helpful if you plan to explore the Great Barrier Reef, take an excursion into the Outback or swim near the shoreline of one of Australia’s beautiful beaches.

Risks due to wildlife

Australia is full of dangerous critters, from venomous spiders and snakes to aggressive kangaroos. Depending on where you visit, you may end up encountering an unfriendly Tasmanian devil. U.S. medical insurance typically doesn’t work in Australia, so it’s important to have travel insurance for these unexpected situations. If you’re bitten by a Tasmanian devil or sustain some other wildlife-related injury, travel insurance takes the place of your regular medical insurance.

Risks due to bushfires

Bushfires  have a high heat output and can cause a significant amount of damage in a short amount of time. If you find yourself in Australia during one of these fires, you may have to contend with damage to your rental car or your personal belongings. Comprehensive travel insurance may reimburse you for damaged or destroyed items, or it may reimburse your rental car agency for the cost of repairing or replacing a damaged vehicle.

Risks related to long-distance driving

Australia has many isolated regions that are hundreds of miles from the nearest populated area. You may have to drive several hundred miles to reach your destination, so it’s important to have travel insurance before you set off on an adventure.

Best for Robust Coverage

Why we like it.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• 24/7 emergency travel assistance included
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best for Basic Medical Coverage

• Plans can be customized with upgrades
• Children 17 and under included for free with some plans
• Coverage for pre-existing medical conditions available
• CFAR coverage is available as an add-on to a comprehensive travel insurance plan
• Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
• Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
• The baggage delay benefit requires a 12-hour waiting period
• CFAR coverage is not available with all Travelex plans

Best for Digital Claims Process & App

Editor's take

Faye is a new travel insurance disruptor that offers an innovative solution to travel insurance with a digital-first approach. What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process. Although it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.

Apart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support.

Another feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan.

Potential Add-ons include:

• Rental car care
• Cancel for any reason
• Vacation rental damage
• Adventure & extreme sports

If you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.

Read our full review

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

Travel insurance can cover a wide range of circumstances, but each plan has different inclusions and exclusions. Here is a look at the most important types of travel insurance coverage to consider getting when visiting Australia.

Trip cancellation insurance

Australia is far away and is a developed nation on par with the United States. That means trips to Australia are usually quite expensive. It’s never fun to cancel a vacation you’ve been looking forward to for months, but it’s even worse when a cancellation results in significant financial losses.

Trip cancellation insurance protects you if you have to cancel your trip to Australia for a reason stipulated in the policy. For example, if one of your travel companions is diagnosed with a serious illness before your departure date, you can use your insurance to recoup pre-paid, nonrefundable trip expenses.

If you want to have coverage for any type of circumstance, you can also purchase cancel for any reason (CFAR) insurance . Typically sold as an add-on, this type of coverage will reimburse you for around 50% to 70% of your total prepaid costs .

Trip delay insurance

To get to Australia, you may have to rely on the services of multiple common carriers. For example, you may have to fly to Australia and then take a ferry to your final destination. Trip delay insurance reimburses you for any expenses you incur as the result of a common carrier delay. If your flight is canceled, for example, your insurer may reimburse you for meals, a hotel, additional transportation costs, and other related expenses.

Trip interruption insurance

Imagine that you arrive in Australia, enjoy a few days of fun and then come down with a severe illness. You’re so sick that you have to return to the United States sooner than expected. Trip interruption insurance reimburses your pre-paid, nonrefundable expenses in this type of scenario. It should also cover the cost of adjusting your travel plans or accessing emergency assistance services.

Travel medical insurance

As noted previously, it’s unlikely you will be be able to use your U.S. health insurance in Australia . Therefore, it’s important to have travel medical insurance to cover things like urgent care, hospitalization, blood tests, CT scans and other healthcare services. If you’re injured while snorkeling or suddenly develop appendicitis during your trip, you can rest easy knowing that your medical expenses are covered.

Medical evacuation insurance

If you’re injured in the Outback, you can’t exactly hop in a cab and get to a hospital within a few minutes. Medical evacuation insurance covers the cost of transporting you to a healthcare facility that’s capable of meeting your needs. For example, if you need emergency assistance, your policy may cover the cost of air medical services (like helicopter transportation).

Insurance for personal items

We recommend that you leave your valuables at home, but if you just have to take jewelry, designer clothing or expensive sports equipment on your trip, make sure your travel insurance includes coverage for lost, stolen and damaged items. This type of coverage reimburses you if a common carrier loses or damages your luggage or its contents.

Rental car coverage

Rental car coverage can protect you under the following circumstances:

• You’re involved in an auto accident caused by someone else.
• Someone vandalizes your rental vehicle.
• Someone steals your rental vehicle.

If your policy includes this type of coverage, your insurer will reimburse the rental agency any time you experience a covered loss. For example, if you get into a fender-bender in one of Sydney’s famous traffic jams, your insurance company should reimburse the rental agency for the cost of repairs.

Travel insurance for Australia doesn’t cover the following:

• Pre-existing conditions: If you’re diagnosed with a medical condition like asthma or diabetes before you buy your travel insurance, your insurer won’t pay for medical expenses associated with that diagnosis. In some cases, however, you can opt for a plan with a waiver. This can ensure coverage for pre-existing conditions during your trip.
• Illegal activities: Travel insurance doesn’t cover expenses arising from any illegal activities, such as injuries that occur while under the influence of illicit substances.
• Fear of travel: If you book a trip and then suddenly develop a fear of flying, your insurance company won’t reimburse you for your pre-paid expenses. The same applies to a fear of seeing a spider or encountering a Tasmanian devil during your trip.
• Expected events: Travel insurance doesn’t cover expenses associated with events that you knew about (or should have known about) before a trip. For example, if you book a trip and buy insurance after a named storm has started developing, your insurer won’t reimburse you if the storm forces you to cancel or interrupt your trip.

For a trip to Australia, we found that the cost of travel insurance ranges from less than $1 per day to around $11 per day depending on the type of coverage.

To give you a better idea, we requested multiple quotes from leading travel insurance providers.

These quotes are based on the following criteria:

• Age: 35 years old
• Destination: Australia
• Trip Length: 7 days
• Trip cost: $2,000

You can see our quotes for basic travel insurance in the following table. The cheapest travel insurance plan costs just under $1 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

The plans in this next table are more comprehensive. In addition to medical and medical evacuation coverage, they also include trip cancellation and trip interruption coverage. According to our quotes, these plans cost between $7 and $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Your costs won’t be exactly the same, as insurance companies base their premiums on these factors:

• Trip cost: Insurance companies reimburse you for up to 100% of your prepaid, nonrefundable expenses. The more your trip costs, the more your insurance provider has to pay you if you experience a covered loss. Therefore, the cost of your insurance plan depends on the cost of your trip.
• Age: Older people are more likely to develop serious medical problems while traveling, so it costs more to insure a 60-year-old or 70-year-old traveler than it does to insure someone in their 20s.
• Insurance benefits: Some travel insurance plans come with more benefits than others. For example, a plan that offers $1 million in medical evacuation coverage will cost more than a plan that comes with only $100,000 in medical evacuation coverage.
• Destination: Some destinations are riskier than others, so insurance companies charge different rates based on your itinerary.
• Add-on coverage: You may need to purchase add-on coverage, such as insurance for adventure activities. If so, you’ll pay an additional premium for the extra benefits.

To find the best travel insurance for your needs, follow these tips:

Consider how you’re getting to and around Australia.

You’ll have to take an airplane from the United States to Australia, but depending on your plans, you may also need to ride a train or take a ferry at some point. The more carriers you use, the more likely you are to experience delays and other problems, increasing the amount of coverage needed.

Think carefully about what you plan to do.

If you want to visit the Sydney Opera House and check out the Australian Museum, you won’t need as much coverage as someone who plans to camp in the Outback or go parasailing over the Gold Coast. You may also want to limit your cancellation costs by purchasing cancel-for-any-reason coverage.

Time your purchase carefully.

Although you can buy Overseas Visitors Cover when you arrive, it’s typically cheaper to purchase travel insurance well in advance of your trip.

Are there COVID-19 restrictions for U.S. tourists?

No. Australia has no COVID-19-related restrictions for American travelers. However, the Australian government does recommend getting the COVID-19 vaccine, wearing masks and practicing good hygiene.

Do I need a visa or passport to travel to Australia?

Yes. You need a valid U.S. passport with at least one blank page for your entry stamp.

Is it safe to visit Australia?

The United States and Australia have a strong diplomatic relationship. Although there’s always some level of risk involved in traveling to a foreign country, Australia is generally safe for Americans. The U.S. Department of State has issued a  Level 1 travel advisory , indicating that you don’t need to take any special safety precautions when visiting the “Land Down Under.”

What travel insurance do I need to travel to Australia?

You’re not required to purchase travel insurance for Australia, but we highly recommend that you do. You never know when you’re going to have an emergency or encounter some kind of problem during a trip. To find the right policy to suit your needs, try using an online comparison tool .

Does American health insurance work in Australia?

In most cases, no. Medicare and Medicaid only work in the United States, and most private health insurance companies will only cover expenses if you use U.S. medical facilities.

Can foreigners buy travel insurance in Australia?

When you travel to Australia, you have the option of buying Overseas Visitors Cover. However, not many companies provide this type of coverage. There may also be waiting periods for medical coverage. Therefore, we recommend that you buy travel insurance before you leave the United States.

About the Author

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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SEPTEMBER 16 - 27, 2026

Australia 2026, cairns & sydney.

NO MORE DAY DREAMING! Get Ready for the Glow Up Down Under

Listen up – we need to have a serious talk about this Australia trip in 2026! You know how we’re always saying we need to treat ourselves? Well, this is the trip that’s calling our names, and trust me, it’s about to be next-level fabulous!

Now, you know we do everything in style, so this trip is packed with the kind of experiences that’ll have you reminiscing for years . We’re kicking things off with a Trendy Denim Welcome Dinner that’s all about showing up and showing out – think denim, chic vibes, and the best crew around.

And girl, we’re not just lounging around (unless it’s at Bondi Beach for our Red Swimsuit Splash Day – yes, you need a fierce red swimsuit!). We’re out here exploring the best of Australia – from the Great Barrier Reef (bucket list, anyone?) to that scenic train ride through Kuranda that’s giving epic views . Oh, and that Glam & Pearls Wine Tasting Experience ? Let’s just say, bring your best glass-clinking game because it’s about to be fancy .

Then there’s Sydney, where we’ll be living like queens. Glam Welcome Cruise on the harbor? Check. Sydney Opera House tour ? Double check. Full day of leisure to do whatever our hearts desire? You know it! And girl, we’re wrapping it all up with a Shades of Nude Glam Farewell Dinner at The Ivy Penthouse – can you even imagine a more glamorous send-off?

So Sis, what are you waiting for? This is our moment to live it up, create memories, and celebrate our Black Girl Magic in a way that only we can. Australia 2026 is going to be the trip that everyone talks about, but only we get to experience. Don’t miss out on this once-in-a-lifetime adventure. Let’s make it happen! 

Book your spot, grab your girls, and get ready to shine Down Under.

PACKAGE INCLUDES:

• Round trip economy class flight from Los Angeles (LAX) to Australia (for the Full Package only)
• 9 nights of accommodations at the following hotels or similar:
• 3 Nights at the Shangri-La The Marina Cairns
• 6 Nights at the Four Seasons Sydney
• Breakfast Daily
• Trendy Denim Welcome Dinner
• Cape Tribulation, Daintree & Mossman Gorge Tour
• Great Barrier Reef Catamaran Tour
• Kuranda, Scenic Rail & Skyrail Tour
• All Red Glam Flames of the Forest Cairns Dinner
• Glam Welcome to Sydney Harbour Cruise
• Sydney Sightseeing & Sydney Opera House Tour
• Red Swimsuit Splash Day at Bondi Beach
• Glam & Pearls Wine Tasting Experience
• Glam Farewell Dinner @ The Ivy Penthouse
• Full Leisure Day in Sydney
• Travel Divas Client Experience Connoisseur
• Travel Divas Gift Package
• Hotel Taxes

Past Australia Photos

Accommodation details, shangri-la the marina, cairns.

Experience the warmth of genuine Australian hospitality at Shangri-La The Marina, Cairns. The hotel sits between Trinity Inlet, the Coral Sea and Esplanade parklands to frame views across Marlin Marina to the mountains surrounding the settlement. Laze by the swimming pool, linger in the leafy green tropical gardens, or savour the flavours of contemporary Australian cuisine in our waterside restaurant The Backyard. Or use the hotel as a base to explore Tropical North Queensland’s iconic attractions, from community markets and waterfalls to the World Heritage-listed rainforest and Great Barrier Reef.

Shangri-La Cares – Your Well-being In Our CareOur commitment to creating a comfortable and safe environment so you can cherish the moments that truly matter.

Deluxe Room Comfort and elegance define Deluxe Rooms, which are decorated with modern touches and nautical accents.

Highlights:

• Pleasant views of the hotel’s tropical garden or Cairns City views. 
• The spacious bathroom contains a large walk-in shower and plush Shangri-La towels and bathrobes.

FOUR SEASONS HOTEL SYDNEY

FIVE-STAR VIEWS FROM THE HARBOUR’S EDGE

Location doesn’t get any better than this: Iconic Sydney Harbor sits at the doorstep of our award-winning Central Business District Hotel, with historic The Rocks and Circular Quay right next door. Head out to explore the nearby shopping, outdoor adventure and vibrant social scene surrounding us, then meet back at Mode Kitchen & Bar for fresh, local cuisine and drinks at Grain. In Sydney, work and play are never too far apart. And that’s just the way we like it.

DELUXE CITY ROOM

Ideally suited to the modern traveler, these newly remodeled guest rooms have striking views of Sydney’s skyline and are filled with natural light. Relax in your king-sized bed or in the lounge chair, and rejuvenate in your deep soaking bathtub.

Reserve Your Trip Now

Book your spot, full package with airfare from lax.

Single: $11,095  | Double: $9,095  per person

LAND ONLY, NO AIRFARE

Single: $8,895  | Double: $6,895  per person

ADDITIONAL INFORMATION

What’s not included:.

• Land Only Package does not include international flights or airport transfers. Please plan accordingly.
• Entry visa fees
• Gratuities for Tour Guide (suggested $10-$20 per day)
• Gratuities for Driver (suggested $5-$8 per day)
• Travel Insurance
• Meals except where mentioned on the itinerary
• Items of a personal nature
• Be sure to purchase your  electrical converter  before travel.
• Additional excursions offered by tour guide

TRAVEL INSURANCE:

Missing a vacation is bad enough… losing the money you paid for your vacation is even worse. Because all of Premier Travel One and Travel Divas tours are non-refundable and non-transferable, travel insurance is therefore highly recommended for this tour. Your premium is related to your trip cost, so you don’t have to worry about being over-insured. Email us about our preferred travel insurance vendor list.

TRAVEL NOTES:

• Traveling abroad requires a passport valid for six months beyond the travel dates. Your passport should not expire before March 27, 2027 .
• You must have a valid U.S. passport and a visa or approved Electronic Travel Authority (ETA) to enter Australia. Most U.S. passport holders traveling to Australia for tourism or business purposes for less than 90 days can obtain an   (ETA) . The ETA is an electronic label-free visa and can be obtained at the  ETA website  for a small service fee. 
• If you select the LAND ONLY PACKAGE , you are required to make your own flight arrangement and airport transfers. Please be aware your flight will cross over the international date line, which will cause you to lose an entire day while traveling to Australia.
• The airport in Sydney is the Sydney International Airport – Kingsford Smith Aiport (SYD). The airport in Cairns is the Cairns International Airport (CNS).
• The group flight will depart from the US on September 16, 2026 and arrive in Sydney (SYD)  on September 18, 2026 . Check-in into the hotel in Sydney is September 18, 2026 . We will depart from Sydney (SYD) to the US on September 27, 2026 . If you are purchasing your own flight, you should make note of these dates and plan your flight and airport transfer accordingly.
• All prices are based on the rates of exchange in effect at the time of price quotation. In the event that the US dollar devalues, Premier Travel One and Travel Divas reserves the right to increase prices accordingly. Your final invoice will reflect increases resulting from currency devaluation.
• Roommate Matching is offered on this tour. If you want to be matched, please enter “Roommate Requested” on the reservation form. Also, please note roommate matching does not take place until 45 days prior to departure and 75% of the cost of the package is paid. With our Roommate Match Guarantee program, we guarantee to match you with someone or you will have a single room without any additional cost.
• Full Itinerary will be emailed to you 30 Days in advance to plan your free time.
• At check-in, a major credit card will be required for check-in to cover anticipated room charges.
• Men and children are welcome to attend this event at the same rate.

AUTOMATIC BILLING PLAN:

You can enroll in our automatic billing, and relax knowing that your future payments will be made automatically. When you book, we’ll calculate an evenly divided automatic billing plan for you and you will know in advance the day of every month that your payment will be processed. Your initial deposit is due at the time of booking, and your future payments will be charged according to the schedule you see on your invoice. Automatic billing is available at no charge .

TERMS & POLICIES

• Making reservations for this package signifies your acceptance of our  Terms and Conditions .
• All payments to Premier Travel One and Travel Divas are non-refundable and non-transferable. This is because Premier Travel One d/b/a Travel Divas has contractual agreements with hotels, airlines and other vendors that will not allow us to obtain any refunds. This way we can keep our package prices low and allow you to make monthly payments on your vacation.
• Passengers are responsible for ensuring that they have the proper travel documents and MUST CHECK with the respective consulate(s) or visa agency to determine whether any visas or passports are required. Passports are required to be valid for at least 6 months after the date of travel. Some countries require a full blank “VISA” page in the passport for stamping purposes. Any information provided on travel description pertains to US citizens only. Non-US citizens should check with the respective consulate of the country(s) to be visited for current entry requirements. Reservations must be made in your FULL NAME as it appears on your passport. Your name on your invoice MUST match your passport.
• Any reward points are at the discretion of the hotel.
• Missing a vacation is bad enough. Losing the money you paid for your vacation is even worse. Therefore, we recommend Travel Protection that helps provide coverage for Trip Cancellation, Interruption, Baggage Loss or Delay, Medical Expenses and more. We have a full list of travel insurance vendors. Click here to see referrals.
• Seat assignments ARE at the discretion of airlines. Seats for this group tour are only located in economy class.
• Prices are subject to change without notice. Please make your reservations today at this price to be locked in.
• Monthly payments are required to keep your reservations current. Your invoice will clearly note your payment plan. We suggest you put this payment plan on your personal calendar.
• You must ensure your roommate, if applicable, is also making timely monthly payments.
• Roommate Matching is available. Review our Roommate Matching Program.
• You can log-in to our client portal to view your account and reservations 24 hours a day.
• Name changes are allowed with a $250 fee plus any vendor fees.
• Late payment of $250 per person is required after final due date listed on your payment plan. Late payment fees are automatically added to your reservations the day after your final due date.
• All late payment requests must be made in writing to  [email protected] .
• All late payment requests must be approved by management before the final payment deadline on your account.

IMPORTANT LINKS

Terms and Conditions    |    FAQs of Automatic Billing Option    |    Travel Divas Private Member’s Only Group

P.O. Box 16676 Atlanta, GA 30321

Text Us: (770) 232-6483 [email protected]

Client Support

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