Bite the Big Apple

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Your kids go free
This means your dependant children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.
Coverholder at Lloyds
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TRAVEL INSURANCE FOR THE USA

Want a taste of the big apple? Party in the city of angels? Or take a gamble in sin city? Zoom's USA travel insurance will cover you for
unexpected holiday hurdles. Cover includes medical expenses should you fall sick or become injured in America, as well as cover for trip cancellation, lost luggage, family emergencies & more! What are you waiting for? Zoom to it!

WHY BUY WITH ZOOM

Medical cover

medical cover

Medical fees in the states can be extortionate! Relax knowing that your hospital expenses are covered with Zoom's unlimited medical coverage. Zoom to top notch cover!

travel delays

Travel delays

Setbacks on your sojourn are never much fun. Cover your USA travel disruptions in a flash with Zoom travel cover. We keep things zippy!

luggage cover

luggage COVER

Your stuff is precious and we get that. Take off on your American adventure knowing your luggage is protected with Zoom.

Family emergencies

Family emergencies

Had to rush home or cancel your trip due to a family emergency? We'll cover your non-refundable deposits so you can focus on the rest.

kids go free

kids go free

Family holiday to Florida? Save your pennies for Disneyland as all dependants under 21 are included under your policy at no additional cost. Say what!?

Car Hire Excess

rental car excess

Planning on driving route 66? If you're hiring a sweet set of wheels in the land of stars and stripes then our rental vehicle excess add-on is a must.

easy claims

easy claims

We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.

Car Hire Excess

Peace Of Mind

Zoom to Zen. You can sit back and relax on your holiday knowing that Zoom travel insurance is backed by Lloyd’s of London, one of the world’s most trusted insurers.

USA TRAVEL INSURANCE FAQ'S

Got some curly questions in regards to your USA travel insurance cover?
Be in the the know before you go with answers to the most common queries below.

  • Am I covered medically while holidaying in the USA?
  • Yes, all our policies cover for unlimited medical codverage. Zoom provides cover for your overseas medical expenses including hospital stays, surgery, doctor visits, emergency evacuation and repatriation home if required. We can provide written guarantees of payment of reasonable expenses directly with your hospital in emergency situations. Phew!

  • What happens if I need medical assistance in America?
  • Have complete peace of mind on your USA holiday. Zoom provides immediate support through our emergency assistance provider, First Assistance. Help is just a phone call away any time of day 365 days a year. This includes access to medical advisors, medical transfers and emergency evacuation if required. We also assist with passing on messages to family and returning unsupervised dependants back to Australia.

  • How do alcohol and drugs affect my cover?
  •  When it comes to alcohol we advise you to drink in moderation. One too many Long Isand Ice Teas or Manhattens could see you jeopardizing your cover. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

  • Am I covered for adventure activities throughout all of America?
  • We automatically cover a wide range of adventure sports including cycling, kayaking, bunjee jumping, horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. 

  • I have high value items; how much can I insure them for?
  • If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan.

  • Am I covered for pick pocketing in the USA?
  • Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket, you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

  • Am I covered for cruises automatically?
  • No, not automatically. You must purchase our cruise pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

  • What age limits apply to Zoom travel insurance policies?
  • You must be under the age of 85 to buy a policy with Zoom. Those under 79 years can purchase a policy for a maximum trip duration of 365 days. Those aged between 80-85 years can purchase a policy for a maximum trip duration of 184 days only. You must also be under the age of 69 to purchase our add-on ski or adventure packs.

  • Which pre-existing conditions does Zoom cover?
  • We automatically cover 36 pre-existing medical conditions with no medical assessments or lengthy medical forms to complete. For further information and a full list of covered conditions head to our pre-existing medical conditions page.

  • Can I reduce my excess with Zoom products?
  • Yes you can reduce the standard excess of $200 by paying a excess reduction fee within the payment process. 

  • What is a dependant?
  • This means your dependant children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.

USA QUICK GUIDE

The USA is a stunning patchwork of diversity and travellers really are spoilt for choice wherever they go in the land of Uncle Sam. Across 50 states, you’ll find fascinating history and culture, unforgettable food, shopping to die for, first-class ski fields, beaches for days, jaw-dropping natural scenery, and many unforgettable people. What are you waiting for? Zoom to the USA!

No matter which kind of stars and stripes experience you're planning, Zoom can cover your trip with a range of plans.  You can minimise your costs with Medical Only cover, or choose to buy Comprehensive Travel Insurance for extra protection to cover things like travel delays and cancellation. Compare Zoom's Travel Insurance plans online today.

VISAS FOR AMERICA

The USA’s Visa Waiver Program means most Aussies don’t need a visa if you’re only planning on staying in the USA for 90 days or less. Your trip must be for tourism or business purposes and you’ll need to have a valid current e-passport (e-passports have a chip page in the centre of the passport).
 
Before your trip you must register for an Electronic System for Travel Authorisation (ETSA). You can register online at any time, but it must be done at least 72 hours before your scheduled departure date. Register for an ESTA at the US Customs and Border Protection website.
 
Your ESTA is valid for multiple trips to the USA for two years, or until your passport expires, whichever comes first. It is important to note that if you have been arrested or charged with a crime you’ll need to apply for a visa. This can take a while, so be sure to get on it early. Your nearest US Embassy or Consulate will be able to give you advice regarding your visa requirements. The USA has strict entry requirements and it’s important to make sure you comply so you aren’t refused entry when you arrive.

ON ARRIVAL

The United States is a big country meaning there are a lot of airports with a lot of travellers! Los Angeles, New York, Houston or San Francisco; wherever you land prepare for it to be busy. Be patient and definitely don’t play comedian with airport security. This applies wherever you are travelling, but don’t even think about joking with American TSA staff. We should all know this by now, but sometimes tiredness, boredom and one-too-many movies on the plane can make a traveller think it’s a good idea to put on his Jerry Seinfeld. Trust us, airport security staff do not have a sense of humour, and neither will your fellow passengers if your antics cause a delay. Save your jokes for somewhere they’ll be appreciated. Once you land in the USA (and clear immigration!) you’ll be busting to get out of the airport to get your holiday started. There are plenty of options for transport from all international airports in the States – taxis, ride sharing services Uber and Lyft (make sure you have the apps on your phone if you plan on using these), shuttle buses, private car services, public transport and hire cars. Depending on where you’re staying hotels may offer airport pickup – check with hotel staff before you leave home. The website of the airport you’re flying into will have more specific information on ground transportation.

GETTING AROUND

In places like New York, San Francisco and Washington DC, public transport is king. These extensive networks are cheap, reliable and safe. Most major attractions, sports grounds, entertainment venues are well serviced by public transport in the USA’s major cities, so grab yourself a multi-trip pass and ride to your heart’s content.
 
Ride sharing services Uber and Lyft are huge in the US. They’re super convenient, but just make sure you’re aware of surge pricing as it can substantially increase your fare. Surge pricing can happen more than you might think, particularly in high traffic areas and tourist hotspots like Times Square in New York City. Alternatively, cabs are readily available in most cities.
 
Although the country is huge, it isn't unheard of to travel across the country by bus (usually the cheapest option). Or if you plan on hiring a car for some, or all of your visit, some states require you to have an International Driver’s Permit (IDP), which must be obtained from your home country before arriving.
 

BEST TIME TO VISIT

The best time to visit depends entirely on where you want to go and what you want to do. Do you want an unforgettable (and chilly!) white Christmas with ice-skating in Central Park, or are you keen for an endlessly-sunny beach break, chasing gnarly waves and chilled days on the West Coast? One thing to keep in mind is the school holiday periods (particularly spring break and the summer vacation, which, depending on the area, can begin in June and end in late August). This is when top tourist destinations will be at their most crowded and prices at a premium. During the winter months (December-March) the northern states are cold and often experience heavy snowfall (sometimes even blizzards), which can make getting around difficult. If you are visiting the southeast or east coast be aware that tropical storms tend to be at their peak from August to October.
 

WHERE TO GO

You want it, the USA has got it! From the great outdoors to bustling cities, cultural experiences to sports, the land of stars and stripes has it all. Travellers can explore national parks, diverse geography, historical and pop-cultural icons, and a multitude of regional food and music scenes.
 
Of course, there are some quintessential US travel experiences that you just can't miss....
 
- The Statue of Liberty in New York City
- The Grand Canyon
- Hollywood and Beverly Hills 
- The entire California coastline
- Ride a walk across the Golden Gate Bridge before jumping aboard one of San Francisco’s famous cable cars. While you’re there, pay a visit to Alcatraz.
- Washington DC
- The stunning Deep South – Louisiana, North Carolina, Mississippi
- Las Vegas, baby!
- Head to Yankee Stadium in New York (or any ballpark) to catch a game and find out why baseball is America’s national pastime. Don’t forget to get yourself a hotdog! 
- Got some time up your sleeve? Take a road trip along sections of the legendary Route 66, America’s most famous roadway that stretches from Chicago to Santa Monica. 
 

MUST KNOW TIPS

There’s no avoiding it, tipping is expected in the USA so make sure you get a stack of $1 bills as soon as you arrive. Generally, it’s custom for you tip anyone who provides a service, provided you are happy with that service. Tip porters who carry your bags ($1-$2 per bag), valet, daily housekeeping, room service delivery staff, and concierge who go out of their way to assist you with something. When dining out, the recommended tip is around 15%-20% of your entire spend (no tipping in fast food restaurants). Cabs expect anywhere from 15-30%. Tips very quickly add up, so keep them in mind when you are budgeting for your trip. In the US the price you see on an item is not the price you pay at the checkout – sales tax (local and/or state) is added. The sales tax you pay depends on which state and city you are in and ranges from around 2% to almost 10% on top of the ticketed price. Only Delaware, Montana, Oregon and New Hampshire don’t have state or local sales tax. Also remember that medical treatment is incredibly expensive in the USA – so be sure to get travel insurance for peace of mind. The legal drinking age is 21 – not 18. If you’re not 21 you won’t get into bars and you won’t be able to purchase alcohol.

ZOOMING ELSEWHERE?

Are you planning to zoom somewhere else on your holidays? Whether you're holidaying to experience the Chinese culture or sassy Singapore, we've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!