Theft can generally happen anywhere, including North America. As long as you keep an eye on your belongings when in public places, travel insurance can provide reimbursement for your lost or stolen items up to the limits listed in your Product Disclosure Statement (PDS). This can include personal belongings, cash, credit cards and travel documents, such as your passport or ID.
North America can experience earthquakes, landslides, tsunamis, hurricanes, volcanoes, and other natural disasters. Travel insurance may help cover the cost of cancelled accommodation, bookings and flights if a natural disaster spoils your plans, or the price of a new ticket and extended accommodation if you need somewhere to stay before your flight home.
You should consider purchasing comprehensive travel insurance so you have medical cover when heading to North America, as the Australian Government and Medicare will not pay for any overseas medical costs. Having medical coverage doesn’t just involve covering costs for hospital treatment for illness and injury; it also extends to medical evacuation and repatriation.
A comprehensive travel insurance policy can be helpful if you have a medical emergency in North America as, without it, you may have to pay thousands for the USA’s medical care.
You could also be at risk of catching insect-borne diseases such as West Nile virus or encephalitis throughout North America, so you may like to ask your GP about vaccinations.
If cancellations and delays impact your flight and you aren’t eligible for a refund from your airline, travel insurance may cover additional costs such as emergency accommodation.
By purchasing your policy, as soon as you book your flights or make any deposits, you may be covered for cancellations before you even leave for your trip overseas.
Some USA states only require you to have a valid Australian license while others require an international driver’s permit (IDP), if you’re driving in North America.
Travel insurance may help cover the cost of your rental vehicle’s excess if you have an accident. If you hire a car, find out what you are covered for by reading your PDS before you hit the road.
If you want to ride a motorcycle in North America, you will also need a licence and may need to upgrade your travel insurance cover, depending on your insurer. Ensure you read the travel insurance PDS to see if you are covered for losses when you hire a motorcycle.
1 Smartraveller – United States of America. Last updated October 2022. Accessed November 2022.
2 Smartraveller – Canada. Last updated September 2022. Accessed November 2022.