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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 system is one of the best in the world, but it stops at the border. The USA has no reciprocal health agreement with Australia, meaning Australians who fall ill or are injured in the USA face the full cost of US healthcare with no government safety net.

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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.

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 my Australian travel insurance cover the USA?

Some Australian travel insurance policies include medical coverage for the USA, but limits are often lower than what's needed for serious US medical events. Our dedicated visitor plans specifically designed for US healthcare costs offer more comprehensive protection.

Do Australians need a visa for the USA?

Australian citizens can visit the USA for up to 90 days under the Visa Waiver Program (ESTA). For longer stays or business trips, a B-1/B-2 visa is required.

How quickly can I get covered?

You can compare plans and purchase coverage online in under 5 minutes. Your policy documents and ID card are delivered by email immediately after purchase.

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.

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Protect Your Trip to the USA

Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.

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Texas License #2608479TX · A-rated carriers · 151 countries covered