Tower Hill Travel Insurance
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Visitor Insurance for Australia

Visitor Insurance for Australians Traveling to the USA

Medicare covers you in Australia and some countries — but not the USA. One emergency without coverage could cost you tens of thousands.

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The Coverage Gap

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.

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Australia and the USA have no reciprocal healthcare agreement — you're fully exposed to US medical costs.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0–$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Australian Medicare cover medical care in the USA?
No. Australian Medicare only covers treatment in Australia and, through reciprocal agreements, in select countries — but the USA is not one of them. Australia and the US have no healthcare agreement whatsoever. Any medical treatment in the USA — from a basic ER visit ($2,000–$15,000) to hospitalization ($50,000+) — is entirely your personal financial responsibility without dedicated visitor insurance.
Does my Australian travel insurance cover me in the USA?
Many Australian travel insurance policies do include US medical coverage, but policy limits vary significantly. Budget policies may cap medical coverage at AUD 500,000–$1,000,000, which can be insufficient for a major US health event. Dedicated visitor plans are specifically structured for US medical costs and often provide superior US coverage at competitive prices. Always check your existing policy's sub-limits for US medical emergencies.
What visitor insurance is best for Australians visiting the USA?
For Australian visitors, we recommend IMG Patriot America Plus for its comprehensive coverage and A-rated carrier status. Trawick Safe Travels USA Comprehensive offers strong value. WorldTrips Atlas America is ideal for seniors or those with health history, offering up to $2,000,000 in coverage. All three are specifically designed for the US healthcare system.
Do Australians need a visa to visit the USA?
Australian citizens can visit the USA for up to 90 days under the Visa Waiver Program by obtaining an approved ESTA before travel. For stays over 90 days, a B-1/B-2 visa is required. Visitor insurance is not mandated for ESTA, but strongly recommended — Medicare is completely invalid in the USA.
How much does visitor insurance cost for Australians?
Plans typically start around $1.10–$2.00 per day (USD). A healthy Australian adult under 60 visiting for 30 days usually pays $35–$80. For seniors over 70, expect $100–$250 per month depending on coverage level. Get an exact personalized quote instantly — no personal information required.
Does visitor insurance cover pre-existing conditions for Australian visitors?
Most plans include acute onset coverage — if you have a managed condition like heart disease, diabetes, or high blood pressure and suffer a sudden emergency related to it, the plan can cover that emergency treatment. Routine follow-up care or medication refills for stable conditions are not covered. This coverage is especially important for Australian visitors over 60.
Can I extend my visitor insurance if my USA stay is extended?
Yes — most plans can be extended online before expiry, provided no claim has been filed and you have not been hospitalized. Contact the insurer or extend via their portal at least a week before expiration. This is common for Australians on extended holidays or family visits that run longer than planned.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Australians in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for Australians.

Read Guide
Parents Guide

Visitors Insurance for Australians Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting Australia

Your US health insurance won't cover you in Australia. Compare international plans for Americans.

Read Guide

For Australians Traveling to Other Countries

International Travel Insurance for Australians

Planning a trip to Europe, Asia, or beyond? Australia's health coverage provides no protection abroad. Compare plans for Australians traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇨🇦Canada🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇬🇧United Kingdom🇮🇳India🇵🇭Philippines🇨🇳China🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia🇳🇬Nigeria
Browse all 194 countries →See all visitor insurance plans →
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