Travel Insurance for the USA

Yes you can. If you wish to purchase a policy after you’ve already left home (or your current travel insurance policy has expired), Medibank Travel Insurance cover is subject to a three day no-cover period. In practical terms, this means there is no cover under any section of the policy for any event that has occurred already or that arises within the first three days of buying your new policy.

Travel insurance is not mandatory to enter the USA as a traveller, however the Australian Government strongly recommends taking out comprehensive medical travel insurance when travelling to the USA. There is no reciprocal health care agreement in place with the USA, so overseas medical costs can be very expensive and may be required to be paid upfront. 

If you have a medical problem during your trip in the USA, contact the 24 hour Emergency Assistance team immediately on 1 855 802 3392 and our team will be able to help you manage the situation and guide you through the process.

Here are some general tips that can be helpful if you need to go to a hospital in the USA:

• It's not unusual for healthcare professionals to ask for your Certificate of Insurance, so make sure you've got it on you or can easily access the document. If you're admitted to a hospital, make sure you contact us as soon as possible.
• When you're discharged, make sure you ask for a medical report and receipt if you want to make a claim. 

For emergencies, call 911 for fire, ambulance or the police. 

If you are travelling to multiple destinations including the USA, you may only need to list the USA when getting your quote. Countries are grouped into ‘areas’, based on factors such as geographical location. You'll need to select your travel region or country taking into consideration the 20% rule detailed here. 

If you are planning on going on multiple trips within a year to varying destinations, Annual Multi-Trip insurance could be a great option. This helps provide cover for multiple trips within a 12 month period to your chosen destination. 

If you will be participating in snow-skiing, snowboarding or snowmobiling during your trip to the USA , you will need to add and pay for additional cover to ensure you are covered by your Medibank Travel Insurance policy for these activities. Note that our additional cover for ski and snow sports will only cover if:

• You are skiing or snowboarding on-piste
• You are not racing
• You are not participating in a professional capacity.

Please read the Combined FSG/PDS for further information on coverage and exclusions.

You can add this cover during the quote process.