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USA Travel Insurance

The 1 Thing You Need, When 1 Thing Goes Wrong In the USA.


Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

Why Do I Need Travel Insurance In The USA?


Cost of an air ambulance from the US back to New Zealand.


The average cost of a weekly hospital stay in the US in ICU.



Cost of repatriation on a plane from the US to New Zealand.

And Did you know...?

  1. 1.  Over a quarter of people think the government would pay to get them home in a medical emergency. But in the USA, it's you who would be responsible for these costs. 
  2. 2.  In 2015, more than 246,000 people in the USA were injured while skiing, snowboarding, or participating in other winter sports. 
  3. 3.  There were 91 natural disasters in the USA in 2016, including 43 severe storms and seven hurricanes.
  4. 4.  More than 4 million people in the US reported a theft of personal property (eg. purses, jewellery, laptops) in 2016-17.


Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for the USA. 

What Are My Travel Insurance Options For The USA?


Option 1


This is our highest level of cover.


Option 2

Medical Only

For medical expense coverage only.


Option 3

Frequent Traveller

If you travel more than once a year.READ MORE

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the Policy Wording, or get an instant quote now.


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Option 1: Comprehensive Cover


Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for snow, cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the Policy Wording, or get an instant quote now.

USA Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Accidental Death*


Permanent Disability^*


Loss of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 


Protect yourself while cruising in
USA with our
Cruise Pack add-on.

Winter Sports

Cover yourself and your gear on your ski or snowboarding trip with our Winter Sports Pack add-on.

More Cover for Your Rental Vehicle 

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High Value
Items Cover

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.

Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to USA, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to the USA? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.


uSA Travel Insurance FAQs

  • Will You Pay My Hospital Bills If I get Sick Or Injured In the USA?
  • Please refer to the Policy Wording and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.

    In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in the USA. 

  • Can I Apply To Extend My Travel Insurance Policy While I’m Away?
  • Yes, of course. If you want to extend your policy while you’re in the USA, the easiest way to do this is via the Policy Manager.
    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires. 
    If you have trouble, you can email us at [email protected]

    Please note there may be instances where a policy extension is not available. 

  • What Do I Do If I'm robbed In The USA?
  • If you are robbed while you’re on holiday, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim

  • I’m in the USA and the airline has lost my luggage. Will 1Cover Replace The Items?
  • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.

    However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

  • What Is Covered Under Rental Vehicle Excess?
  • The default cover amount we offer is for up to $5K, but you have the option to increase this to $6K, $7K or $8K.

    We will reimburse you up to the rental vehicle excess insurance amount listed on your policy, covering any excess you are legally liable to pay under your rental vehicle hiring agreement.

    Rental vehicle excess is payable if your rental vehicle is involved in an accident while you are driving, or if the rental vehicle is damaged or stolen while in your custody.

    Please be aware this benefit does not take the place of rental vehicle insurance. Also, there are a range of conditions that must be met for cover to be available under this benefit. View the full list of conditions here.

  • What Happens If I Encounter Terrorism Or Political Unrest In The USA?
  • In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.

    However, if you do get caught up in an unforeseen event while you are in the USA and you are injured, cover is available for all necessary medical/hospital expenses.

  • can i choose my doctor if i become unwell while in the uSA?
  • You may choose your own medical advisor, or we can appoint an approved medical advisor to see you.

    Please note: if you do not get the medical treatment you expect, although we can assist you, 1Cover are not liable for anything that results from that treatment. If you are unwell overseas please contact us.

  • I’m only stopping over in the US. Do I Need Travel Insurance?
  • If you're only stopping over in the US, you need to include it in the destinations you are travelling to in order to be covered. We will cover you for stopovers of up to two nights in the US as long as you nominate the United States as a destination when you apply for cover. 

  • I’m Travelling To Multiple Countries Around uSA. Do I Need To List All My Destinations?
  • When you apply for a policy you need to tell us where you are travelling to. The premium you pay for the policy depends on your destination(s). 

    The policy only covers loss, injury or illness which occurs in the countries you have told us you will visit. We will cover you for stopovers of up to two nights in the USA but you must nominate USA as a destination when you apply for cover. 

    If you’re going on a cruise, you must select the appropriate region. For cruises in the USA, the appropriate region you will need to select is Worldwide Cruise. You MUST pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you do not, you will not be covered while on the ship. There is, however, no cover under any sections of the policy when you are on a cargo ship or freighter.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  • I travel to The US a few times a year. What’s the best policy for me?
  • We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 

    Find out more about our annual travel insurance policies here.

  • Do you cover seniors travelling to the USA?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

  • Am I Covered If I'm Pregnant When I'm Travelling To the USA?
  • If you're travelling to the USA while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications from your pregnancy, you’ll need to complete a medical screening.

    We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

    Please note: we will not pay any medical expenses for:
    a) Regular antenatal care;
    b) Childbirth at any gestation; or
    c) Care of the newborn child. 

    Find more here. 

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

  • Am I Covered For Travel Interruptions Caused By Earthquakes And Other Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.

    Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforseen event.




The One thing they Needed in The USA


Megan's Appendicitis

Megan never expected to end up on the operating table when she went on holiday. But that’s exactly what happened when she was struck with appendicitis in Pennsylvania, and had to undergo emergency keyhole surgery. 

1Cover took care of nearly $50,000 of medical expenses, and worked closely with the hospital to ensure Megan received the best possible treatment.

Amazing care and service, I felt like they understood the urgency of the situation.

Guy's Snowstorm disaster

When a snowstorm cancelled Guy’s flight to New York, he and his family were stuck in Hong Kong for four days. After they got to the US, Guy’s son broke his tooth while eating and required emergency dental repair.

1Cover looked after all the unexpected expenses, including medical bills, additional accommodation, taxi transfers, and flight change charges.

Everything That Could've Gone Wrong Seemed To.

Kerry's Stolen MacBook 

While in Chicago, Kerry had her Macbook Pro snatched out of her hands. She contacted the police and acquired a police report as soon as she could. 

Kerry was was able to successfully - and quickly - claim for the cost of her stolen laptop. 

It took longer to find the proof of purchase than it did to receive the payment.​

Travel Insurance Statistics

...they're interesting, really!

 Over 90% of travellers were covered by travel insurance the last time they went overseas.**

Expensive Medical Bill

$700,000 – that’s the amount paid by 1Cover for just one USA medical claim.

20% of 1Cover USA travellers claimed for lost or damaged luggage or personal belongings.*

*in 2017/2018
**Research conducted in 2016

How Will Travel Insurance Help Me In The USA?

24/7 Medical Assistance

From New York to LA, there’s no shortage of things to do. There’s also no shortage of things going really wrong. From doctor’s visits to emergency evacuations, we’ll be there to help you out.

your trip

Last year, nearly 1 in 20 of our US claimants needed reimbursement for trip cancellations. It’s disappointing to postpone or cancel your plans, but we can having 1Cover could ease the pain.

Ease Lost
Luggage Woes

A large number of 1Cover US claimants damage or lose their belongings. Common items were phones, glasses, and laptops. You can get cover for up to $15K for luggage/personal items. See Policy Wording for details

Snow Sports

Tahoe, Aspen, Vail, and many more. If you’re planning to ski or snowboard in the US, you’ll need our Winter Sports Pack add-on, which covers things like damaged equipment, piste closures, & weather delays.

Car Hire

The US is ideal for renting a car/campervan. But if something happens to your vehicle, we’ll make sure you don’t face steep rental car excess charges of up to $8K. Find out more.

Outdoor Adventure, Done Safe

Whether you’re kayaking in the Grand Canyon or paragliding in Maui, you’ll have peace of mind if things go awry. Unlike many other insurers, we cover a wide range of 100+ activities.


Storms, tornadoes, and hurricanes are prevalent in parts of the US. If an unforeseen disaster ruins your holiday, we can help. But make sure you check news and 1Cover's travel alerts before you book.

Control Your

Whether you choose Alaska or Honolulu for your cruise, be sure you’ve got the Cruise Pack add-on. It covers on-board illness, lost items, missed ports, cancelled day trips, weather delays and more.


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We've Already Helped 1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User


If You Only Do One Thing...

USA Survival Guide
The One Thing You Should Read Before Going To The US

Wherever you’re going in the USA, our USA Survival Guide is packed with all the top tips and must-know advice to stay safe on your adventure.

The One Thing To Do And Not Do In The USA
The One Place You May Want To Skip In The uSA

It’s one of the world’s most famous sites and draws close to one million visitors every year. But here's why it might not be worth your time. 

Must Visit Theme Park USA
The One Must-See Theme Park In The USA

And it's not Disneyland. This historic family fun park has a long list of attractions for young and old, as well as being a fantasy for anyone with a sweet tooth.


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to USA. But if it does, the resources in this section can help you.

New Zealand has an Embassy and several consulates throughout the USA. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services.

Be informed. Be prepared. If you're across The New Zealand Government's SafeTravel website, you'll have all the latest information for your trip to the USA. SafeTravel is a trusted resource for New Zealander travellers and is updated regularly, so make sure you bookmark this handy resource.






If you need emergency assistance in the USA, please call our 24/7 emergency medical assistance line on (+) 64 9884 0229 or email [email protected]

For non-emergency assistance, you can message our Sydney-based support centre seven days a week.

If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

Planning an Activity In the USA?

Hiking In The USA
Get Back To Nature 

Escape the cities and discover the diverse landscape of the USA. Not sure where to start? Head to Wildland Trekking for some inspiration.

Skiing Holiday In USA
Ski in the United States

The ski experts at Skimax Holidays are the go-to experts for your USA ski adventure, offering customised packages to suit your needs.

Self-Driving Tours USA
Self-driving tours 

Explore the USA at your own leisure with the help of Auto Tours USA. Established 40 years ago, they offer a large number of driving tours across the USA. 

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page