Travel Insurance for New York

New York Travel Insurance

When travelling overseas it’s always important to choose the right travel insurance for your specific destination.

If you’re travelling to New York, you should consider a policy that provides 24 hour emergency assistance as well as cover for what’s most important to you such as:

Emergency Medical & Hospital Expenses
Cancellation
Loss of Income
Luggage & Personal Effects
Theft of Cash
Travel Documents, Credit Cards & Travellers Cheques
Travel Delay Expenses
Special Event Transport Expenses
Rental Vehicle Insurance Excess
Permanent Disability
Personal Liability
Accidental Death

Travel Insurance for a holiday in New York

For a holiday in New York with Fast Cover, select 'USA' or 'USA (New York)' which will provide you with cover for travel to New York and the rest of the USA.

Also consider the type of holiday you’re taking and what activities are on your itinerary to ensure your travel insurance policy will provide cover for all of the fun things you want to do such as:

Exploring or picnicking in the world-famous Central Park
Getting a bird’s eye view of the city from the Empire State Building
Seeing a Broadway show or just getting lost in the crowd at Times Square
Catching a ball game at Madison Square Garden or Yankee Stadium
Taking the ferry to get up close and personal with the Statue of Liberty
Visiting the famous Museum of Natural History or Metropolitan Museum of Art
Strolling across the iconic Brooklyn Bridge
Taking the family to attractions like the Central Park Zoo or Coney Island
Sightseeing and historic city walking tours
Trekking and hiking
Horse riding tours
Water sports like sailing, wind surfing, kayaking and fishing
Adventure sports like bungee jumping, tandem sky diving and quad biking^#

Fast Cover offers great value travel insurance options to suit all travellers heading to New York and the rest of the USA.

Benefits of Fast Cover travel insurance

24 Hour Emergency Assistance
Overseas Emergency Medical & Hospital Expenses
Unlimited Cancellation Cover
Cover for Luggage & Personal Effects
Optional cover for scooter, moped and motorcycle riding
Optional Cover for Adventure Sports & Activities
Optional Rental Vehicle Excess Insurance

See the tables below for more benefits:

Medical Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Overseas 24/7 Emergency Medical Assistance^ sub-limits:	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains home (per person)	$20,000		$20,000	$20,000	$20,000	$20,000
Overseas Emergency Medical & Hospital Expenses^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Emergency Dental	$500	–––	$750	$1,000	$1,000	$1,000
Overseas Emergency Evacuation & Repatriation	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Hospital Cash Payment^ sub-limits:	–––	–––	–––	$5,000	$5,000	$5,000
Daily Limit (per person)				$50	$50	$50
Accidental Death Travellers Aged 80 to 89:	–––	$25,000 $20,000	–––	$25,000 $20,000	$25,000 $20,000	$25,000 $20,000
Death of a Dependant (per Dependant)		$5,000		$5,000	$5,000	$5,000
Permanent Disability^ Travellers Aged 80 to 89:	–––	–––	–––	$50,000 $20,000	$50,000 $20,000	$25,000 $20,000
Permanent Disability of a Dependant (per Dependant)		$5,000		$5,000	$5,000	$5,000
Loss of Income^ sub-limits:	–––	–––	–––	$10,400	$10,400	$10,400
Weekly Limit (per person) - up to 26 weeks				$400	$400	$400

Financial Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Trip Cancellation Expenses sub-limits:	–––	Unlimited	$25,000	Unlimited	Unlimited	Unlimited
Travel Agents Cancellation Fees		$1,500	$1,500	$1,500	$1,500	$1,500
Close Relatives with a Pre-existing Medical Condition		$2,000	$2,000	$2,000	$2,000	$2,000
Personal Liability	$1,000,000	$5,000,000	$2,500,000	$5,000,000	$5,000,000	$5,000,000
Trip Disruption Expenses sub-limits:	–––	$50,000	$30,000	$50,000	$50,000	$50,000
Close Relatives with a Pre-existing Medical Condition		$2,000	$2,000	$2,000	$2,000	$2,000
Trip Resumption Expenses	–––	$3,000	$2,000	$3,000	$3,000	$3,000
Luggage & Personal Effects sub-limits:	Optional	$7,500	$5,000	$15,000	$15,000	$15,000
Personal computers,video recorders or cameras (per item)	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000
Mobile phones (per item)	$1,500	$1,500	$1,500	$1,500	$1,500	$1,500
Tablets (per item)	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
All other unspecified items (per item)	$750	$750	$750	$750	$750	$750
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours	$2,000	$2,000	$2,000	$2,000	$2,000	$2,000
Passports, Credit Cards & Credit Card Fraud^	–––	–––	$2,000	$5,000	$5,000	$5,000
Special Event Transport Expenses	–––	$5,000	–––	$5,000	$5,000	$5,000
Rental Vehicle Excess sub-limits:	–––	$5,000	Optional	Optional	Optional	Optional
Return of Rental Vehicle		$500	$500	$500	$500	$500
Travel Delay Expenses sub-limits:	–––	$2,000	–––	$2,000	$2,000	$2,000
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)		$200		$200	$200	$200
Delay of Luggage and Personal Effects^	–––	–––	–––	$750	$750	$750
Theft of Cash^	–––	–––	–––	$250	$250	$250

Snow Sports Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Snow Sport Equipment	–––	$1,500	–––	–––	$1,500	–––
Snow Equipment Replacement Hire	–––	$1,500	–––	–––	$1,500	–––
Snow Prepaid Expenses	–––	$750	–––	–––	$750	–––
Snow Resort Closure sub-limits:	–––	$1,000	–––	–––	$1,000	–––
Daily Limit (per person)		$100			$100

COVID-19 Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains home (per person)	$20,000	–––	$20,000	$20,000	$20,000	$20,000
COVID-19 Trip Cancellation & Disruption	–––	$3,500	$3,000	$5,000	$5,000	$5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Top 10 tips for safe travel in New York

Check Smartraveller.gov.au to make sure the regions you wish to visit are not listed as ‘Do not travel’.
Get a health check-up before you leave home.
Ask your doctor about vaccinations you may need for New York. These may include DTP (Tetanus, Diphtheria and Pertussis), Hepatitis A and B, and Typhoid.
Make sure you pack suitable clothing for all weather conditions you may encounter.
Familiarise yourself with the local laws, culture and customs.
Check if you require a particular type of Visa for your trip.
Save the phone number and address of the nearest Australian consulate or embassy.
Keep both printed and digital copies of all your travel documents handy.
Register your New York trip itinerary and contact details with Smartraveller.
Download the Smartraveller app to receive instant travel alerts and warnings.

Example Incidents^~

Barry’s Bad Reaction

Barry was dining out with friends while on holiday in New York when he suffered a serious allergic reaction and required medical treatment. Fortunately, his travel insurance policy was able to reimburse him for the medical bill of almost $2,000 AUD.

Sam’s Stolen Phone

Sam was travelling through Philadelphia in the USA when she noticed that her phone was missing from her pocket. She immediately reported the theft to her phone service provider as well as police and obtained a written report to submit with her claim. Sam was reimbursed over $900 AUD under the luggage and personal effects benefit of her Fast Cover travel insurance policy.

Traveller Testimonials

Quick & Easy

Website was simple and user friendly. The information was well displayed and easy to understand. The purchase process was really quick and hassle free. I was very satisfied with the whole process and the product in general.

Justine – Compare Travel Insurance

No Fuss Claim Experience

We went overseas in December 2016 and had two medical expenses, one in New York for a physio ($350) for a bad neck and one ice-skating accident which needed medical treatment in Austria (€790). I submitted the claim via the easy to use website, attached all statements and a short explanation of the accident. The claim was settled within two weeks with no questions asked. That's what I call a great customer experience! I will stick with Fast Cover for all my travel insurance needs in the future.

MenaiBluey – Compare Travel Insurance

Wonderful Service

I broke two bones in my leg and dislocated my ankle when slipping on the hotel bathroom floor. I spent eight days in hospital where my leg was operated on and the cost of this was completely covered as well as the flight back to Australia in Business Class.

Annette – Productreview.com.au

5 steps to buying Fast Cover travel insurance for New York

Select 'USA' or 'USA (New York)' and follow a few simple steps online for a FREE instant online quote.
Consider the benefits included in each policy.
Select the level of cover that’s right for your trip to New York.
Read the Product Disclosure Statement.
Consider the Financial Services Guide.

^#Adventure activities are only covered by this policy if you have paid the additional premium for the Adventure Pack.

^~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Things you need to know

^* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^# Available with our Comprehensive policies only.

^** No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

⁺ Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers.

² 5% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children.

⁴ Price based on an 18 day Basics policy to South Pacific region for Single traveller aged 50 years old or younger with $200 excess.

⁶ Must be accompanied by a professional instructor or guide.

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Example Incidents~

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Example Incidents^~