Visitor Insurance for Melbourne Residents Visiting the USA (2026)
Medicare covers you in Australia and some countries — but not the USA. One emergency without coverage could cost you tens of thousands.
Medicare Does Not Cover You in the United States
Australia's Medicare program covers doctor visits and public hospital care within Australia only — it reimburses nothing for treatment in the United States. Although Australia has reciprocal healthcare agreements with the UK, New Zealand, and several European countries, it has no such agreement with the US. A US ER visit averages $3,100; one hospital night costs $11,700. Australian nationals visiting family in California, New York, and Texas carry full financial exposure: a single hospitalisation in the US can exceed AUD 18,000 per night with no Medicare reimbursement.
Australia and the USA have no reciprocal healthcare agreement — you're fully exposed to US medical costs.
What US Medical Bills Actually Look Like
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Flight
$95,000–$250,000
Air ambulance, medical crew
Best Visitor Insurance Plans for Melbourne Residents
All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.
IMG Patriot America Plus
Largest US carrier network · UHC PPO
- ✓ Up to $1,000,000 coverage
- ✓ $0–$2,500 deductible options
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–99 yrs
- ✓ Multilingual 24/7 support
Best for: First-time visitors, families, tourists
WorldTrips Atlas America
Maximum coverage · Top evacuation benefit
- ✓ Up to $2,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $50K
- ✓ Emergency evacuation: $1,000,000
- ✓ Available ages 14 days–99 yrs
- ✓ Flexible coverage periods
Best for: Seniors 65+, long stays, max protection
Trawick Safe Travels USA
Budget-friendly comprehensive · Telehealth included
- ✓ Up to $1,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $20K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–89 yrs
- ✓ Free telehealth included
Best for: Budget-conscious, short stays, under 70
No obligation · Certificate in minutes · Licensed TX #2608479TX
How Much Does Visitor Insurance Cost?
Estimates for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, and dates.
| Age Group | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
* Get an exact quote at towerhilltravelinsurance.com/quote
What Visitor Insurance Covers
Frequently Asked Questions
Does Australia's health insurance cover medical care in the USA for Melbourne residents?+
What visitor insurance do you recommend for people traveling from Melbourne to the USA?+
Do residents of Melbourne need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Melbourne?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇦🇺 Visitor Insurance for Australians visiting the USA
🇦🇺
Ready to Get Covered for Your USA Trip?
Compare IMG, WorldTrips, and Trawick side-by-side. Free quote in under 2 minutes.
Get Your Free Quote →Licensed Insurance Agency · Texas #2608479TX · A-Rated Carriers