Statue of Liberty

Travel Insurance for the USA

Explore the land of the free with Allianz Travel Insurance

The United States of America (US, USA, America or simply ‘The States’) is extraordinarily diverse. From man-made landscapes such as the neon lights of Las Vegas to natural wonders like the Grand Canyon, the experiences are endless.

There’s simply no way to sum up a typical American holiday due to the diversity of people, landscapes, food, music and culture that can be found.

If you’ve got ‘The States’ in your sights, consider the benefits of Allianz Travel Insurance. Designed to cover you for overseas emergency assistance, overseas medical and hospital expenses and more1.

It's important to note that coverage and benefits limits can vary depending on the plan you choose. Therefore, it's important for you to consider the Policy Wording before making any decisions about your travel insurance.   

Conditions apply

  1. Terms, conditions, limits, sub-limits and exclusions apply, and these are set out in the Policy Wording.
  2. Policy terms, conditions, limits, sub-limits, and exclusions apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions for epidemics and pandemics. That means we do not cover claims that arise from, or are related to, an epidemic or pandemic. 
    However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Policy Wording to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits, sub-limits, and exclusions that apply.
  3. Terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Policy Wording. Cancellation cover is only available on Comprehensive and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Policy Wording for full details.
rental vehicle

The US has many famous streets and highways. If you’re a road tripper, hiring a car is a great way to see the sights. But if you're involved in an accident, it can leave you with some hefty bills to pay.

Allianz Travel Insurance Comprehensive and Multi-trip plans automatically cover the Rental Vehicle Excess you would be liable to pay in the event of an accident or theft.

hiking

In America you can ski, surf, hike, skateboard, cruise, ride a horse on a ranch or gaze across a canyon. The possibilities are endless! If you’re an adventurer, an unstoppable ski bunny or you live for cruising, you have the option - for an additional premium, to add an Adventure Pack, Snow Pack or Cruise Pack to your Comprehensive or Multi-trip plan1.

Healthcare in the United States of America is among the best in the world, but it is also the most expensive. Medical bills can run into tens of thousands of dollars, or more! If you get sick or injured in the USA, travel insurance may help cover these costs.

Crime

Opportunistic thieves have been known to snatch unattended belongings. Use common sense and stay alert of your surroundings. Be careful not to flash around large amounts of money or expensive possessions. Popular tourist locations often have a police presence and are quite safe except for the occasional pickpocket.

  • Tip! Keep your belongings with you and supervised at all times. You’re luggage and personal belongings may not be covered if left out of your sight or with someone you don’t know.

Safety at night

Always try to travel in groups or with friends, especially after dark. Avoid deserted parks and use bathrooms in busy shops such as fast-food chains or department stores rather than an empty subway station. If you do find yourself lost in a bad neighbourhood, remain on main roads or freeways and avoid confrontations.

Gun crime and violence occur regularly in the US. Stay clear of street or bar fights which could place you at risk.

Extreme weather

Parts of the US experience hurricanes, which are violent, windy storms. If you experience a

hurricane, you should: 

  • Stay away from flood prone, low-lying areas.
  • Stay indoors to avoid strong winds.
  • Follow all instructions from emergency workers.

Winter can bring blizzards and snowstorms, which cause dangerously low temperatures, strong winds, ice, sleet and freezing cold rain. Stay indoors if the weather is bad and make sure you have some food and bottled water in your accommodation. When travelling to the US during winter ensure you have packed adequate warm clothing, including gloves. 

  • Tip! You can’t control the weather, but you can check whether your travel insurance plan covers you if your plans are disrupted or cancelled due to unexpected weather events.

Road safety

Americans drive on the right-hand side of the road. In many areas, cars can make a right turn on a red light. Failure to obey right of way signs cause nearly 20 percent of all accidents in the US. Pay close attention to signs and other regulations.

Take extra water when driving through desert areas and check gas station locations before you head off.

If you’re driving in winter, check that your car and especially the tyres are in good working order. Carry snow chains and be wary of ‘black ice’ that may have formed on the road. Leave plenty of room between you and the car in front of you and brake early as the road may be slippery. If you do get stuck, stay inside your car to keep warm.

Always refer to SafeTravel for current US travel alerts before you buy your travel insurance policy, as well as before you leave New Zealand, and during your stay.
travel tips for australia

Chicago - ‘The Windy City’ is in the heart of the Midwest and boasts a skyline full of skyscrapers and other beautiful architecture.

Las Vegas - ‘Sin City’ is the famous party city in the Nevada desert, home to world famous casinos, shows and nightlife.

Los Angeles - ‘The City of Angels’ is the home of Hollywood but also has an incredible natural beauty ranging from mountains to beaches.

New York City - ‘The Big Apple’ is the country’s largest city, home to many iconic sites such as the Statue of Liberty and the Empire State Building. 

San Francisco - ‘Fog City’ is home to the Golden Gate Bridge and Alcatraz. It’s surrounded by the Pacific Ocean and San Francisco Bay.

Washington D.C. - is the capital city and home to many museums, monuments, the White House and Capitol Hill.

In the US everything is big - big food, big cars and big natural wonders. Niagara Falls straddles the international border between Canada and New York with the largest waterfall at 51m. The Redwood National Forest in California is home to the tallest living tree standing at over 115m. The Grand Canyon at 1800m high, over 446km long and 29km wide attracts more than 4 million visitors a year.

The Great Lakes are five interconnected lakes called Superior, Ontario, Michigan, Erie and Huron. Each lake is impressive enough on its own but put together these lakes form the largest body of fresh water in the world. Lake Superior is the largest at 82,100km2. Not surprisingly, it’s a great spot for hiking, bike riding, fishing and canoeing.

The huge national football championship in America is so big, some people think ‘Superbowl Sunday’ should be a holiday. The grand final (usually held in February) creates a festival feeling throughout the US. It’s the most watched sporting event of the year with supermarkets, bars, restaurants and retail stores all hosting special events.

Disney’s timeless cartoon characters and movies are favourites with people of all ages. The Disneyland Resort in Anaheim, California, is filled with timeless attractions, world-class entertainment and all the familiar characters. Walt Disney World Resort in Orlando, Florida, hosts some of the biggest Disney theme parks.

Running from Chicago to Los Angeles, Route 66 is unofficially called ‘The Main Street of America’. It was one of the first US highways - the 3,940km route passes through a multitude of ‘Americana’, including cornfields in Illinois, the golden sands of Los Angeles and Native American communities in the southwest desert. Now superseded by the Interstate Highway System, Route 66 is still a drawcard as it typifies the saying “it’s about the journey, not the destination”.

Country music was born in the US in the 1920s and became ingrained into Southern culture. If you’re a fan or even a curious bystander, you must visit the Southern American town of Nashville. ‘Music City’ is home to many country artists. It’s also home to the Grand Ole Opry, one of the most famous music venues in the US. The Country Music Museum and the Johnny Cash museum feature impressive collections of memorabilia. And if country music gets too much, you can also visit the full-size replica of the Greek Pantheon.

Each year, on the first Friday of June, the US celebrates National Doughnut Day! Starting as a Salvation Army fundraiser during World War I, it is now an official holiday where many stores give away doughnuts to the public. 

It’s also easy to find other US food icons such as barbecue ribs in Texas, bagels in Manhattan, chilli dogs in Washington D.C, or key lime pie in Florida.  There’s a local speciality everywhere. If you’re extremely hungry, try the world’s largest pizza at Big Mama’s and Papa’s pizzeria in Los Angeles, feeding up to 100 people it needs to be ordered in advance.

Every Christmas, our television screens fill up with snow-filled US Christmas movies. New York City provides a magical white Christmas experience. Ice skate in Rockefeller Plaza while admiring the glittering Christmas tree, visit the winter wonderland that is Central Park and take a romantic horse drawn carriage through town. Aspen, Colorado is another wonderful Christmas experience with sparkling lights over snow-covered evergreen trees, plenty of entertainment and ski slopes nearby.

North America has many native animals. Black bears are nearly everywhere and often steal food from campsites in national parks. Grizzly bears are rarer but can be found in Yellowstone and in Alaska. The American beaver is well-known for building wooden dams across rivers and is occasionally found living in park ponds in big cities. Racoons (America’s possum) is often found in urban areas raiding garbage cans and pet food bowls. Virtually every wetland area hosts bald eagles, and America’s northern plains teem with moose, caribou and bison.

Purchasing travel insurance for the USA is not compulsory. However, accidents can happen. You can get sick or injured, or weather events can unexpectedly change your plans. Losses, damage, and theft can leave you out of pocket. It’s worth noting that medical care in the US is extremely expensive. An unexpected trip to the ER could come with some costly bills.

The cost (also known as a premium) of your travel insurance policy for the US will vary depending on:

  • the duration of your trip
  • whether you purchase a single, duo or family policy
  • your age
  • any pre-existing medical conditions you have
  • which plan you select (i.e. Basic or Comprehensive) and other variables

You can choose to adjust your excess amount or the cancellation amount on applicable plans, which will change your premium slightly.

You can refer to the “Your insurance premium” section of the Policy Wording for more information.

If you’ve been mugged in the US, call 911. Ensure your safety first and seek medical attention if you’re injured. Contact us as soon as practicable if you’re admitted to hospital or require medical or dental treatment. 

For theft of your luggage, belongings or valuables, report it to the police as soon as possible and obtain a written notice of your report. This will be the easiest way to provide evidence of the theft when you make a claim.

Allianz New Zealand
Need emergency assistance? Call emergency services immediately if your condition is life threatening.
Call us 
24/7 on +61 7 3305 7194 (overseas) or +64 9 486 6868 (within New Zealand). Additional charges may apply 
for any calls made from mobiles, public telephones or hotel rooms.

Allianz Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter.

You should read the policy wording and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits and exclusions apply.

Mitsui Sumitomo Insurance Company, Limited – Financial Strength Rating

Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings. The S&P Global rating scale* in summary form is:

AAA

Extremely Strong

BB

Marginal

R

Under Regulatory Supervision

AA

Very Strong

B

Weak

SD

Selective Default

A

Strong

CCC

Very Weak

D

Default

BBB

Good

CC

Extremely Weak

NR

Not Rated

The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.

Further information on the S&P Global ratings is available here.

Further information on Mitsui Sumitomo Insurance Company, Limited is available here.