travel insurance india to usa

India USA Travel

10+ best travel insurance for usa from india (expert reviews).

So, you’re almost ready to trade your daily dose of masala chai for a steaming Starbucks, eh? Planning that dream journey from India to the sprawling horizons of Uncle Sam’s land, are we?

Now, while you’re dreaming about gazing at the Grand Canyon or shopping in New York City, there’s a little (big) thing you might be forgetting – travel insurance .

Now, I know what you’re thinking.

Travel insurance is as confusing as trying to assemble furniture with instructions that might as well be written in hieroglyphics. You may even think of it as that uninvited party guest, crashing your travel budget .

But pause for a moment! What if I told you that the right travel insurance could actually be your unsung superhero, swooping in to save the day in case of unexpected events?

From minor inconveniences like delayed luggage (who needs clean clothes, right?) to more serious issues like medical emergencies (ouch!), the right travel insurance can make all the difference.

And guess what? You’ve hit the jackpot!

After years of world exploration, policy deep-dives, and countless trial and error, we’ve put together a list of the very best travel insurances for all you eager-beavers planning a USA escapade from India.

In this all-in-one guide, we’re about to unleash more than 10 fantastic travel insurance options, each put under our microscope and reviewed by our experts who’ve seen it all and lived to tell the tale.

With clear analysis, handy tips, and a no-nonsense verdict for each, we guarantee this won’t be another yawn-fest insurance guide.

So, strap in, grab your masala chai (or Starbucks if you’re practicing already), and prepare for a deep dive into the world of travel insurance. Together, we’ll find that one policy that’ll be your travel buddy throughout your American adventure.

Ready to give your dream trip an extra layer of security and peace of mind? Let’s roll!

Get ready, because every scroll is a step closer to discovering that perfect travel insurance plan for your upcoming USA extravaganza. Let the fun begin!

In this article…

What is the best health insurance for visitors to USA from India? 

So, let me break it down for you.

Firstly, if you’re planning to bring your aged parents along, I’d recommend looking into insurance plans like Atlas America, which offers coverage for individuals aged 70 and above.

For young folks, I’d recommend the Patriot America plan or the Visitors Care plan. These plans cover basic necessities and aren’t too expensive . 

If you have any pre-existing medical conditions, I’d suggest going for a plan that covers them. Atlas America is one such plan. It covers pre-existing medical conditions up to a certain limit.

Be prepared to pay a bit more for such plans, though.

Now, if you’re worried about your budget, check out the cheapest health insurance plans from companies like IMG, Tokio Marine or Seven Corners. These are great for short trips and cover all the basics.

But, if you’re willing to splurge, you can consider plans like Liaison Majestic, that offer comprehensive coverage. 

If you’re planning a long trip, it’s best to get a plan that covers you for the entire duration. Atlas America and Patriot America offer comprehensive coverage for long-term visits.

Remember, it’s always better to be prepared beforehand than to regret it later.

So, choose the insurance plan that works best for you and have a happy and safe trip! 

Recommended Plans ⭐⭐⭐⭐  Atlas America 100% Coverage, Comprehensive plan ⭐⭐⭐  Safe Travels USA 100% Coverage, Comprehensive plan ⭐⭐  Patriot America Plus 100% Coverage, Comprehensive plan

Compare Plans

Indian Companies Offering Travel Insurance to USA from India

American companies offering travel insurance to usa from india, what is covered under travel insurance for usa.

International travel insurance for the USA typically covers the following:

1. Medical emergencies

This includes coverage for unexpected illnesses and injuries that require medical treatment . 2. Trip cancellations or interruptions

If you have to cancel your trip or cut it short due to unforeseen circumstances (such as natural disasters or sickness), your travel insurance may reimburse you for any prepaid expenses.

3. Baggage and personal effects

If your luggage or personal items get lost, stolen, or damaged during your trip, travel insurance may provide coverage for their replacement or repair.

4. Emergency evacuation

If you need to be evacuated due to a medical emergency or natural disaster, travel insurance can cover the associated expenses.

5. Accidental death and dismemberment

In the unfortunate event of accidental death or dismemberment, travel insurance can provide financial support to your beneficiaries.

Why Do You Need Travel Insurance When Traveling from India to USA?

“But why?”, you might ask, wondering if this is another scheme to drain your hard-earned travel budget. Well, my friend, let me paint you a picture.

Imagine you’re at the majestic Grand Canyon, clicking a storm of photos to flood your Instagram feed.

Suddenly, you lose your footing and twist an ankle. Ouch!

Without travel insurance, that twisted ankle could become a massive pain in your…wallet.

The USA’s healthcare system is one of the most expensive globally, with a simple visit to the doctor’s office potentially costing hundreds of dollars.

Now, wouldn’t it be nicer if you could focus on getting better instead of worrying about medical bills? That’s where travel insurance steps in!

Or, let’s say you’re strolling through New York City, thrilled about the shopping spree you’re about to embark upon. But oh no! Your wallet’s been stolen, along with your credit cards and cash.

Well, guess what?

A good travel insurance policy can provide coverage for stolen possessions, helping you to get back on track without a massive hit to your travel fund.

But wait , it’s not just about medical mishaps or stolen wallets.

What if you need to cancel your trip last-minute due to an emergency back home, or you miss your flight because of a delay in your connecting flight from Delhi to Mumbai?

Yup, you guessed it, travel insurance can cover those unexpected expenses too!

So, why do you need travel insurance from India to the USA? It’s simple, really. Travel insurance provides that crucial peace of mind that lets you enjoy the adventure and handle the curveballs that life might throw at you. 

After all, wouldn’t you rather be calculating how many souvenirs you can fit into your suitcase, rather than the potential medical bills or replacement costs for lost belongings?

We thought so too.

So, before you take that leap across the pond, make sure you’ve got your trusty travel insurance by your side. 

For more details on the benefits of travel insurance , don’t forget to check out our comprehensive guide on  Travel Insurance Benefits to make an informed decision. 

When Can Travel Insurance for the USA be Helpful?

There are a few scenarios where travel insurance for the USA can be a real lifesaver.

Think of it as your trusty travel sidekick, standing by your side, ready to jump into action when things don’t go according to plan. But when exactly can travel insurance be beneficial?

Let’s delve into some scenarios where having travel insurance can make all the difference.

1. Trip Cancellations:

Imagine planning your dream trip to the USA, right down to the last detail, only to have to cancel due to an unexpected emergency.

Non-refundable bookings for flights , hotels, or tours can result in a significant financial loss. Fortunately, travel insurance can help recover these costs.

For instance, if you have to cancel your trip due to a family member’s illness, your travel insurance would cover the non-refundable expenses, minimizing your financial loss.

2. Medical Emergencies:

The cost of healthcare in the USA can be quite high. If you were to fall sick or have an accident during your trip, the medical expenses could create a significant dent in your budget.

That’s where travel insurance comes in.

For example, if you contract food poisoning from trying out a new cuisine or sprain your ankle during a hike in Yosemite National Park, your travel insurance will cover the medical costs, saving you from unexpected expenditures.

3. Baggage Loss or Delay:

Losing your luggage or experiencing a delay in receiving it can be a major inconvenience. It could mean being without your essentials and needing to purchase replacements.

Travel insurance can help in such situations. If your baggage is delayed for more than a specific period (typically 12-24 hours), your insurance policy can reimburse you for the purchase of essential items like toiletries and clothing.

In the case of lost luggage, you’ll be compensated for the loss up to the maximum limit specified in your policy.

4. Flight Delays or Cancellations:

Flight delays or cancellations can disrupt your travel plans significantly. For example, if you’ve planned a tour of the Grand Canyon but your flight gets delayed due to bad weather, causing you to miss the tour, your travel insurance can cover the cost of the tour.

Similarly, if your flight gets canceled and you need to book a last-minute hotel for the night, your travel insurance would cover these unexpected costs.

5. Legal Assistance:

In an unfamiliar country, legal troubles can be quite daunting. If you’re involved in a legal issue, your travel insurance policy can help by providing coverage for legal expenses and advice.

This could be in a situation where you accidentally damage someone’s property or in a traffic violation.

In conclusion, having travel insurance can significantly reduce the financial risk associated with travel uncertainties. It’s like having a safety net, providing you peace of mind to enjoy your journey fully.

To find the best insurance suited to your needs, check out our expert reviews on the  Best Travel Insurance for USA from India .

Remember, your adventures should be filled with joy and excitement, not worries and stress.

Please note that the situations mentioned are for illustrative purposes and actual coverage depends on the specifics of your insurance policy. Always read your policy carefully to understand what is and isn’t covered.

Is it Mandatory to Get Travel Insurance in the USA?

While there are countries like Schengen countries where travel insurance is compulsory for visa approval, in the case of the USA, it’s a different story.

The United States government does not mandate travel insurance for visitors.

When you’re applying for a visa to the USA, there’s no requirement listed by the U.S. Department of State to have travel insurance.

So, technically, you could travel to the USA without any travel insurance.

However, it’s strongly recommended to have one. Why?

Because the cost of healthcare in the USA is one of the highest in the world.

According to data from the Healthcare Cost and Utilization Project (HCUP) , an emergency room visit’s median cost can go up to $1,389, and that’s without factoring in any additional treatment or hospitalization.

A serious accident or illness could result in medical bills amounting to tens of thousands of dollars, if not more.

Furthermore, travel insurance provides coverage beyond just medical emergencies. It covers you for instances like trip cancellation, lost luggage, and flight delays.

Such unforeseen circumstances can arise, disrupting your plans and potentially causing substantial financial loss. Having travel insurance helps mitigate these risks, providing you with a financial safety net.

While it’s not legally mandatory , certain tour operators or travel agencies may require you to have travel insurance as part of their booking conditions.

So it’s always best to check the conditions before making any reservations.

In conclusion, while travel insurance is not compulsory for travel to the USA, it’s strongly recommended due to the high healthcare costs and potential for other unforeseen expenses.

It’s about ensuring that you can enjoy your trip with peace of mind, knowing that you’re financially protected against any unexpected incidents.

To understand more about the benefits of travel insurance and how to choose one that suits your needs, do refer to our in-depth guide on the Best Travel Insurance for USA from India .

And remember, it’s always better to be safe than sorry!

What is the Cost for Travel Insurance for USA from India?

When it comes to the cost of travel insurance for the USA from India, there is a range of options available, tailored to fit various budgets and needs.

It’s essential to remember that cost is just one factor in your decision; the level of coverage is just as, if not more, critical.

Travel insurance premiums are influenced by factors like the length of your trip, your age, any pre-existing medical conditions, the type of coverage you choose, and sometimes even your destination in the USA.

Let’s look at some hypothetical scenarios to help you better understand how these factors can affect the cost of your travel insurance.

Scenario 1: Basic Coverage

Suppose you are a 30-year-old planning a two-week vacation to the USA and decide to go for a basic travel insurance plan.

Such a plan typically covers only emergency medical expenses and perhaps some additional benefits like emergency evacuation . You’re looking at an approximate premium starting from $40-$50.

Scenario 2: Comprehensive Coverage

Now, let’s say you’re the same 30-year-old, but this time, you opt for a more comprehensive plan.

Comprehensive plans often include coverage for trip cancellations, trip interruption, baggage loss or delay, in addition to emergency medical expenses. For such extensive coverage, your premium could range anywhere from $80-$100.

Scenario 3: Pre-existing Condition Coverage

Now, if you’re a 60-year-old traveler with a pre-existing condition, such as diabetes or hypertension, and looking for coverage that includes these conditions, your premium would be significantly higher due to the increased medical risk.

You might be looking at costs around $150-$200 or even more, depending on the severity of your condition.

Scenario 4: Adventure Sports Coverage

Suppose you are an adventure enthusiast and plan to indulge in activities like skiing, bungee jumping, or scuba diving.

In that case, you might want to consider a plan that provides coverage for adventure sports, which typically come with a higher premium due to the inherent risk involved. Depending on the specific activities covered, the premium could range from $100-$150.

In conclusion, the cost of travel insurance for the USA from India varies widely depending on your specific requirements and risk factors.

It’s crucial to assess your needs, understand what each plan offers, and choose accordingly. After all, peace of mind while travelling is priceless.

To get more details on the cost and coverage details of various travel insurance plans, have a look at our expert reviews on the Best Travel Insurance for USA from India .

Please note: The above prices are indicative and can vary based on the insurance company and specific policy terms. Always read the policy document carefully to understand the coverages and exclusions.

Buy Travel Insurance For USA From Indian Companies or Online

The question of whether to buy travel insurance for the USA from an Indian company or online can depend on your preferences, needs, and comfort level with digital platforms. Both options come with their own set of advantages and disadvantages.

Buying from Indian Insurance Companies:

Let’s take the example of an established Indian insurance company. A physical office presence can offer you a sense of security and trust.

You can walk into an office, speak to an insurance advisor face-to-face, clarify your doubts, and get guidance on the best plan for you. For many, especially those less comfortable with technology, this can be a huge benefit.

Advantages:

• Personalized service: Face-to-face interaction can provide personalized service. You can explain your specific needs and get recommendations accordingly.
• Paperwork Assistance: They can also help you navigate the sometimes complex world of insurance paperwork.

Disadvantages:

• Limited Choices: Physical companies may have limited offerings compared to what’s available online. This could mean you may not get a policy best suited for your needs.
• Higher Costs: Traditional insurance companies often have higher operational costs, which may reflect in their premium rates.

Scenario: Suppose you’re a 50-year-old man planning to visit your son in the USA. You’re not tech-savvy and prefer in-person assistance for understanding the insurance plans. You decide to go with a renowned Indian insurance company with a local branch office. The advisor there recommends a plan which costs INR 8000 ($110) for your 1-month stay.

However, the plan doesn’t cover trip cancellations and delay, something you would have preferred given the unpredictability of your work schedule.

Buying Travel Insurance Online:

On the other hand, buying travel insurance online offers a host of advantages, the primary one being convenience. You can compare and purchase policies at the click of a button, without leaving the comfort of your home.

• Wide Variety: Online platforms allow you to compare a wide range of policies from different companies, helping you to find the one that best fits your needs.
• Lower Costs: Online companies often have lower operational costs, leading to competitive premium rates.
• Convenience: You can purchase a policy anytime, anywhere, making it a hassle-free process.
• Impersonal: It can feel impersonal as most of the process is automated.
• Confusing: With such a vast array of options, choosing the right policy can be overwhelming.

Scenario: Suppose you’re a 30-year-old software engineer planning to visit the USA for a tech conference . You’re comfortable with digital platforms and decide to purchase your travel insurance online.

After comparing several plans, you opt for a comprehensive plan covering emergency medical expenses, trip cancellations, and delay for INR 5000 ($70) for your 1-week trip.

In conclusion, whether you choose to buy from an Indian insurance company or online depends on your comfort level, your understanding of insurance plans, and your specific requirements.

Always make sure to read the policy document thoroughly and understand the coverage and exclusions before purchasing.

Buying Travel Insurance from American Companies Vs. Indian Companies: A Comparison

When planning a trip to the USA from India, one critical decision is where to buy your travel insurance: from an American company or an Indian one? Each has its own advantages and drawbacks, which we’ll explore below. 

Buying from American Insurance Companies:

Purchasing travel insurance from American companies can come with benefits that cater specifically to travelers in the USA. 

• Localized Services: American companies have a better understanding of their own country’s medical costs and local emergency services, which can result in more precise coverage amounts.
• Easy Claim Process: In case of a medical emergency, American insurance companies often have a direct billing agreement with hospitals in the USA, which means the hospital bills them directly, sparing you out-of-pocket expenses.
• Comprehensive Plans: They often provide more comprehensive coverage options, including trip interruption, baggage delay, acute onset of pre-existing conditions , etc.
• Cost: Premiums from American insurance companies can be significantly higher compared to Indian insurance companies.
• Purchase Process: Buying insurance from an American company might be a bit more complex for an Indian traveler, given the differences in systems and processes.

Example Scenario: Let’s say you are a 45-year-old Indian woman traveling to the USA for a six-month stay. You decide to go with an American insurance company.

Your insurance policy, which covers high medical expenses, trip cancellation, and baggage delay, costs around $300.

In case of a medical emergency, the hospital directly sends the bill to your insurance company, leaving you worry-free.

Purchasing travel insurance from an Indian company offers advantages that can be appealing to Indian travelers.

• Cost-effective: Indian insurance companies usually offer lower premiums compared to American counterparts.
• Familiarity: Buying insurance from an Indian company means dealing with familiar systems, language, and customer service, which can simplify the purchase process.
• Reimbursement Basis: Most Indian insurance companies operate on a reimbursement basis. This means in case of a medical emergency, you’ll need to pay out-of-pocket first, and then the company will reimburse the expenses.
• Coverage: Some Indian companies might not offer as comprehensive coverage as American companies. 

Example Scenario: Now, if you’re a 30-year-old man planning to attend a two-week conference in the USA, you might prefer to buy insurance from an Indian company due to lower premiums.

You choose a policy costing INR 2000 ($30), covering basic medical emergencies. In case of any medical exigency, you’ll need to pay upfront and then claim reimbursement.

In conclusion, the decision between an American and Indian insurance company will depend on factors like your budget, the coverage you need, your comfort with the claims process, and the length of your stay. 

To better understand different travel insurance plans, you can refer to our comprehensive guide on Best Travel Insurance for USA from India .

Disclaimer: The above scenarios are fictional and provided for illustrative purposes. Actual costs and coverage may vary.

Key Features to Look for in a Good Travel Insurance Policy for Indians Visiting the USA

Navigating the plethora of travel insurance options can be a bit overwhelming, especially when you’re planning a trip from India to the USA.

However, understanding the key features to look for can make the process smoother and more effective. Here are some essential factors to consider when choosing the best travel insurance policy for your trip to USA from India:

1. Comprehensive Medical Coverage: Given the high healthcare costs in the USA, it’s crucial that your travel insurance offers comprehensive medical coverage. This includes outpatient, inpatient, and surgical treatments, ambulance services, and even dental emergencies.

2. Pre-Existing Conditions Coverage: If you have a pre-existing health condition, check whether the policy covers any acute onset or sudden recurrence. This article can help you understand more about health insurance plans that cover pre-existing conditions.

3. Emergency Evacuation and Repatriation: In severe cases, you might require immediate medical evacuation or repatriation. An ideal travel insurance policy should cover the costs associated with these situations.

4. Personal Liability and Legal Expenses: This feature covers legal costs in case you’re held legally liable for causing injury to a third party or damaging their property. It’s a useful feature to have, given the high legal expenses in the USA.

5. Baggage and Personal Effects Coverage: Losing your luggage or personal belongings can be stressful. An ideal travel insurance policy should cover lost, stolen, or damaged personal effects and baggage.

6. Trip Cancellation and Interruption Coverage: Unforeseen circumstances may force you to cancel or interrupt your trip. A good policy will reimburse you for the non-refundable expenses in such cases.

7. 24/7 Customer Support: When you’re in a different time zone, having access to 24/7 customer support can be a lifesaver. Make sure your policy includes round-the-clock customer service.

8. Direct Billing vs. Reimbursement: As discussed in our comparison of [American and Indian insurance companies , the process of claim settlement is crucial. Check whether the company operates on a direct billing or reimbursement basis.

9. Ease of Purchase and Renewability: The process of buying and renewing the policy should be straightforward and convenient. Online purchase and renewability are highly desirable features.

10. Policy Cost: Finally, compare the policy’s cost with the coverage provided. Sometimes, cheaper policies might not offer comprehensive coverage, and pricier ones may include benefits you don’t need.

These key features can guide you in choosing the right travel insurance policy for your trip to the USA. Always remember to read the policy document carefully to understand the coverage limits, exclusions, and terms and conditions.

Disclaimer: This article provides general advice, and individual needs may vary. Always consult with an insurance expert or the provider directly to understand what policy would best suit your specific requirements.

What are the Travel Documents Required While Travelling from India to the USA?

Journeying from the diverse landscapes of India to the broad horizons of the USA can be a thrilling adventure. However, it can also feel like you’re gearing up for a mission if you’re not well-prepared with the right documents .

Don’t fret! We’ve got you covered with a comprehensive checklist of all the travel documents you’ll need when jet-setting from India to the USA.

Buckle up, because we’re about to deep-dive into the world of passports, visas , and everything in between!

1. Passport:

Your passport is your primary ticket to international travel. Ensure that your passport is valid for at least six months beyond your period of stay in the USA. For Indian citizens, there are two types of passports – a 36-page regular passport or a 60-page jumbo passport.

If you’re a frequent traveler or planning a long stay, opt for the jumbo passport for extra visa pages. Check out the difference between the 36-page and 60-page Indian passports for more detailed insights. 

As an Indian citizen , you’ll need a valid US visa , unless you are eligible for visa exemption or traveling under the Visa Waiver Program (VWP), which unfortunately, doesn’t apply to Indian citizens as of the time of writing.

The type of visa you’ll need depends on the purpose of your visit. You might need a B2 visa for tourism, an F1 visa for studying, or an H1B visa for work. Each of these visas has a different application process and requirements, which you can check out on our dedicated Visa Page ).

3. Visa Interview Confirmation:

Once you’ve applied for your visa, you’ll be given an interview appointment at a US embassy or consulate . Keep a printout of this confirmation handy, as you might need to present it at the embassy or consulate.

4. I-94 Form:

The I-94 Form is a record of your arrival and departure in the US. This document is usually filled out on the plane and given to immigration officers when you land. It’s a crucial document that proves your legal entry into the country.

5. Visa Supporting Documents:

Carry all the supporting documents you used during your visa application process. These documents could include bank statements, employment letters, invitation letters from US contacts, travel itinerary, and more. Always carry originals and copies of these documents.

6. Medical and Travel Insurance:

Remember, healthcare in the US can be tremendously expensive. It’s advisable to have medical and travel insurance that covers unexpected medical expenses, trip cancellation, lost baggage, and more.

For more insights on this, refer to our article on the  Best Travel Insurance Plans for Visitors to the USA from India .

7. Prescriptions and Medical Documents:

If you’re carrying prescription medication, ensure that you have a letter from your doctor explaining your condition, the medication you’re on, and contact information for verification.

Always carry medication in the original packaging to avoid any issues at customs.

8. Proof of Accommodation and Travel Itinerary:

Proof of accommodation (hotel bookings, invitation letter if staying with friends or family) and your travel itinerary are essential to show that you’ve planned

 your stay and have a place to live during your visit.

9. Financial Proof:

Carrying proof of your financial ability to support your travel and stay is essential.

This proof can include bank statements, income tax returns, pay slips, or a letter of support from a sponsor if someone else is financing your trip.

10. Emergency Contact Information:

Always keep a list of emergency contact information, including the contact details of the nearest Indian Embassy or Consulate in the US, friends or relatives living in the country, and emergency helpline numbers.

Preparation is key to a smooth journey from India to the USA. Ensuring you have all the required documents in place will save you from unnecessary stress and help make your trip a memorable one.

For additional travel tips, head over to our comprehensive USA Travel Tips section. Happy travels!

Note: This information is accurate at the time of writing. However, travel requirements can change rapidly, so it’s crucial to stay updated by checking the latest information on official government websites.

Which is the Best Time to Visit the USA?

1. Spring (March to May):

Spring is a delightful time to visit the USA, with mild temperatures, fewer crowds, and nature in full bloom. It’s a fantastic time to visit national parks like Yellowstone and cities such as New York, Washington DC, and San Francisco.

However, this is also the season when allergies, particularly pollen allergies, are at their peak. Ensure your Travel Insurance covers any health issues you might encounter during your trip.

2. Summer (June to August):

Summer is peak tourist season in the USA. Attractions are crowded, and prices are usually higher, but you’ll get to experience popular events like Independence Day celebrations on July 4th.

If you’re planning to visit regions like Arizona or Texas, be prepared for high temperatures. Ensure your travel insurance covers conditions related to heat, such as heatstroke or dehydration.

3. Fall (September to November):

Fall in the USA is a spectacular sight, especially in regions like New England, where you can witness stunning fall foliage. The temperatures are cooler, and the summer crowds have thinned out.

However, keep in mind that this is also hurricane season for some parts of the USA. An apt Travel Insurance can cover any trip cancellations or delays due to severe weather conditions.

4. Winter (December to February):

Winter in the USA means snow in many parts, making it a great time for winter sports like skiing and snowboarding.

But if you’re not a fan of cold weather, regions like Florida or California offer milder winters.

It’s also the season of Christmas and New Year celebrations. However, winter can bring severe weather conditions like snowstorms or blizzards.

nsuring your travel insurance covers such instances can bring peace of mind during your winter travels.

In the end, the best time to visit the USA depends on your preferences and the regions you’re planning to explore.

And regardless of the season, ensure you’re equipped with a suitable travel insurance plan to cover any unexpected surprises during your adventure.

Check out our expert review on the Best Travel Insurance for USA from India to make an informed decision. 

Frequently Asked Questions

Is it mandatory to have travel insurance while visiting the USA from India?

While it’s not legally required, it’s highly recommended due to the high cost of healthcare in the USA. Not having travel insurance can result in significant out-of-pocket expenses in case of a medical emergency.

What is the best travel insurance for USA from India?

The “best” policy depends on individual needs and circumstances. However, factors such as comprehensive medical coverage, pre-existing condition coverage, emergency evacuation and repatriation, baggage loss, and trip cancellation coverage are important to consider.

What is the cost of travel insurance for USA from India?

The cost of travel insurance varies based on factors like the traveler’s age, trip duration, coverage selected, and whether you have any pre-existing medical conditions. Costs can range from $50 to several hundreds of dollars.

Does travel insurance from India cover COVID-19 related expenses in the USA?

Many insurance companies have started offering coverage for COVID-19 related medical expenses. However, you should check this specifically before buying a policy.

Should I buy travel insurance from an Indian company or an American company?

Each has its pros and cons. Indian companies usually offer lower premiums, while American companies may provide a smoother claim process and comprehensive coverage. Check out our article comparing the two  here .

Does travel insurance cover trip cancellation?

Yes, many travel insurance policies provide coverage for trip cancellation due to unforeseen circumstances such as illness, injury, or death of the traveler or a close family member.

What if I have a pre-existing medical condition?

Some insurance policies cover acute onset or sudden recurrence of pre-existing conditions. Always check this aspect before purchasing a policy.

Can I renew my travel insurance policy if my stay in the USA gets extended?

Most insurance companies allow policy extension or renewal , but you should confirm this at the time of purchase.

Does travel insurance cover baggage loss?

Yes, most travel insurance policies cover lost, stolen, or damaged baggage and personal belongings.

What is the claim process for travel insurance?

The claim process differs from one insurance company to another. Some companies work on a reimbursement basis, where you pay upfront and then file a claim for reimbursement, while others may have direct billing agreements with healthcare providers.

Can I use my Indian health insurance in USA?

While some Indian health insurance providers offer international coverage, it’s typically limited and may not cover all the potential costs in the USA, due to the higher cost of healthcare.

Additionally, claim settlement may be more complicated. It’s recommended to purchase a dedicated travel insurance policy that provides comprehensive coverage for your stay in the USA.

Always check your policy details or consult with your insurance provider for specific information.

Key Takeaways

• Travel Insurance is Essential: Travel insurance isn’t mandatory when visiting the USA from India, but it’s highly recommended due to high medical costs in the USA. It provides coverage for unexpected incidents like medical emergencies, trip cancellations, lost luggage, and more.
• Choose Wisely: Selecting the right insurance depends on individual needs. Important considerations include coverage for pre-existing conditions, claim settlement process, cost, and extent of coverage.
• Cost Varies: The cost of travel insurance varies based on factors like age, trip duration, selected coverage, and pre-existing conditions.
• Purchase Source Matters: Buying insurance from Indian companies can be cheaper, but American companies often provide a smoother claim process and comprehensive coverage.
• COVID-19 Coverage: Amid the ongoing pandemic, ensure your chosen insurance policy provides coverage for COVID-19 related medical expenses.
• Document Requirement: Be aware of the essential travel documents required for travel from India to the USA.
• Best Time to Visit the USA: Timing your visit during the shoulder seasons (spring and fall) can result in a more pleasant trip and potentially lower insurance premiums.
• Key Features: Look for essential features in a travel insurance policy such as comprehensive medical coverage, emergency evacuation and repatriation, coverage for lost/damaged baggage, and trip cancellation coverage.

Remember, travel insurance is your safety net when you are thousands of miles away from home. Don’t underestimate its importance. Happy and safe travels!

Recommended Plan For Your Travel

Safe Travels

Best for Visitors Economical Plan COVID19 included Covers Medical Pre-Existing Conditions First Health Network

Atlas America

Rated “A – Excellent” COVID19 included Covers Medical Covers Dental Trip Cancellation Full Refund on Cancel

About the Author

Mani Karthik

Ex “NRI” and Founder of the “Back to India” movement. I share my experience about immigrating to USA here.

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[…] Related: Best Health Insurance for Visitors to USA […]

Hi, I am travelling to USA on visitor visa and plan to stay for 5 months. I am confused as to where I have to buy travel insurance. Whether from India or from USA. If from USA how do I get it. I am 58 years old. If from India , which one is good. Can I ask my relative in USA to get it on my behalf. Please mail in detail. Thank you.

It’s not mandatory Anu but good to get because medical care is super-expensive in USA. Why take risk? And I don’t recommend buying from India as most of those products are just good on paper. You can buy it online. Here are some good travel insurance plans for you .

Hope it helps.

Hi…my name is Edward..my friend will be sponsoring me on a visitor Visa…. Putting aside his status of living or eligibility to sponsor me what other or how much amount does he have to pay??

Thanks for doing this Mani. Great research and findings! I am buying a travel insurance for my parents and this helped a lot.

Thanks Ashwin.

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Travel Insurance For USA From India

Travel insurance for usa.

Travel Insurance for the USA should be one of your primary considerations when travelling from India.

The United States of America (USA) is one of the most visited countries across the globe. With its wide expanse covering a majority of the North American continent, the USA has varied landscapes, cultures, and experiences that attract visitors from different parts of the world. From some of the world’s most treasured historical monuments to iconic global landmarks, the USA has no dearth of diverse destinations. Whether it is the semi-Arctic terrain of Alaska in the North or the serene beaches of Florida and Hawaii in the South, the USA has something to offer to all ilks of travellers.

Visiting the USA ought to be on your bucket list and you must secure this unique journey with travel insurance for the USA.

The main benefits of a travel insurance USA plan :

• Travel assistance
• Cover against personal liability
• Cover for accident and sickness
• Assistance for loss or delay pertaining to baggage
• Hijack cover
• Automatic extension of your travel insurance USA plan for 60 days in the event of hospitalisation abroad

Expert's Guide to USA Visa

Places to visit in usa, travel insurance for usa from india.

In order to have a stress-free and memorable trip to the USA, you must ensure that adequate planning and advanced bookings are in place, including a viable travel insurance plan for the USA. However, irrespective of the level of planning you engage in, there may be unforeseen circumstances that can derail your plans. The recent Covid-19 pandemic, for instance, has brought the entire world and international travel to an indefinite standstill, with most countries having limited inbound flights and stringent entry restrictions.

It is, therefore, critical to purchase suitable travel insurance for USA visitors and ensure that you are financially protected against any unanticipated events during your visit to the USA. Your travel insurance USA plan will serve as a protective shield and enable you to enjoy your vacation sans worry. You can compare travel insurance plans to pick the one that suits you the most, in terms of coverage amount & premium.

Why Do You Need Travel Insurance from India to the USA?

Since life has no dearth of uncertainties, it is important to be as prepared as possible for any eventualities. Therefore, if you are planning to travel to the USA, you should consider buying travel insurance for your USA trip. A travel insurance USA policy will assist you if you are faced with any adverse circumstances during your stay in the USA. For instance, if you fall sick before or during the trip or lose your baggage at any of the airports you pass through your journey, a travel health insurance policy for the USA would be handy. Therefore, it is recommended to invest in an online Travel Insurance policy for the USA and financially safeguard your trip against any untoward incidents that can potentially ruin your trip. With our wide range of plans for visitor insurance in the USA, you can plan for a hassle-free trip to the USA.

Some of the benefits included in the Tata AIG travel insurance USA plan have been discussed below.

Journey Cover Cover for flight delays and cancellations, hotel booking cancellations, and loss of passport

Baggage Cover Compensation on the loss or delay of check-in baggage

Medical Coverage 1.Covid-19 cover to cover the costs associated with testing Covid positive during the trip 2.Travel medical insurance to the USA to provide you financial support if you fall sick or meet with an accident during the trip

Other benefits of travel insurance USA policies 1.The option to pay in Indian Rupees and get coverage in United States Dollars 2.Affordable travel insurance USA policies with a premium as low as ₹60.32 per day 3.Instant purchase of online travel insurance for the USA without extensive health check-ups

For Additional Information If you are a Student Traveling to the USA for your Studies, check our Student Travel Insurance If you are traveling for a Leisure or Business Trip, check our International Travel Insurance

USA Visa and Entry Information

Non-immigrant Visas : Indian nationals travelling to the USA can apply for various types of visas under the umbrella of a non-immigrant visa. Here are some of the major types of non-immigrant US visas Indian citizens can apply for.

B1/B2 Visa : If you are visiting the USA for a temporary stay with a business-related objective, you ought to apply for a B1 visa. If, however, the reason behind your temporary visit to the United States of America is personal, a B2 visa is the right category of visa for you. The aforementioned visa is for travel objectives such as tourism, medical treatment, visit with family or friends, etc.

F1 and M1 Student Visa : Applicants who have been accepted to educational institutions in the United States of America are eligible to apply for a student visa for their academic programme. The aforementioned visa can, in certain cases, also be granted for practical training in specific fields.

H-1 B Work Visa : The H1-B visa is granted to foreigners employed in the USA. Sponsored by the employers, the aforementioned visa is usually valid for a three-year term that can be extended for a further three years. Non-US citizens are permitted to bring their families to the USA under the aforementioned visa but the process of visa approval is extremely stringent.

H-2 B Work Visa : Unskilled non-US workers hired to work in the USA are eligible to apply for an H2-B visa that is required to be sponsored by their US-based employer.

J-1 and Q-1 Exchange Visitor Visas : A J-1 visa accommodates individuals travelling to the USA for pre-approved exchange programmes. The aforementioned category of visitors includes students, business trainees, research scholars, and government-assigned visitors.

Immigrant Visas : Individuals who wish to immigrate to the USA on a permanent basis can apply for an immigrant visa to the country. The aforementioned visa usually needs to be sponsored by an employer or a permanent resident of the USA who is a relative of the applicant. However, persons with exceptional abilities and skills, including investors and some specific categories of immigrants, can apply for this visa themselves.

Entry information for Indian citizens

Covid Guidelines : In the wake of the ongoing global pandemic, most non-immigrant travel to the USA has been suspended. Only student visas are still being granted on a limited basis.

According to the US embassy in India, students with an I-20 programme beginning after August 1st, 2021 can apply for a student visa to the USA and travel there 30 days prior to the beginning of their respective programmes without requiring a national interest exception.

The aforementioned rule also applies to students who wish to travel to the USA to continue their ongoing academic enrolments at US institutions. It is advisable to have medical insurance for visitors to the USA.

USA Visa application process

You can apply for a visa to the USA by following the steps mentioned below.

Determine the type of visa you wish to apply for. For non-immigrant visas, you can refer to the 'Common Non-Immigrant Visas' guidelines.

Fill the electronic application form (Form DS-160) to apply for a non-immigrant visa to the USA.

Make the payment of your visa application fee.

Create a profile and retain your receipt number to schedule your visa appointment.

Schedule an appointment with the US Embassy or consulates in India within 48 hours of submitting your DS-160 form online.

Be on time for your appointment and carry the relevant identification documents and credentials.

After the second visa interview, your application shall either be accepted or declined by the immigration authorities.

US Embassy and consulates in India : The US Embassy in India is located in New Delhi and the consulates are located in Kolkata, Mumbai, Chennai, and Hyderabad.

How to request expedited visa appointments

If you qualify to travel to the USA under the ‘national interest exception’, you can request an expedition of your visa appointment here.

Travel Documents Required while Travelling from India to the USA

It is advisable to buy health insurance for visitors to the USA. There are also several other essential travel documents that are required for travelling to the USA from India. The aforementioned documents have been listed below.

• A valid Indian passport (valid for a minimum of six months from the date of arriving in the USA)
• A pre-approved visa
• A letter detailing the reason for your visit to the USA
• Confirmed travel tickets
• Prescription for specific medications, if necessary
• USA travel health insurance, including Covid-19 coverage.
• The particulars of the people with whom you will stay in the USA along with their addresses
• The applicable financial documents
• The proof of the funds you are carrying to the USA

USA Travel: Safety and Precautionary Measures to be Undertaken

• Keep your passport safe at all times.
• Protect your belongings, especially when you are in crowded places and tourist hotspots.
• Use official commercial means of transport and avoid seeking private help.
• Respect the country’s laws and regulations.
• Avoid travelling to unfamiliar or remote areas, particularly during the night.
• Do not participate in any unlawful activities.
• Do not violate public decorum through your words, actions, or a combination of the two.
• Choose from the best travel insurance for the USA to financially secure yourself against any unanticipated events.

Covid-19 specific guidelines:

• Wear a mask over your nose and mouth, particularly while using public transport.
• Practise social distancing.
• Monitor yourself for Covid-19 symptoms and self-isolate and get tested if you develop any of the symptoms.

The Indian Embassy in the USA

The Indian Embassy in the United States of America is located at the following address.

Chancery-I, 2107 Massachusetts Avenue, NW, Washington, D.C., United States of America.

Present Ambassador : Ambassador Taranjit Singh Sandhu

Working Hours : Monday to Friday, 09:30 AM - 06:00 PM EST

Consular Services Timings : Monday to Friday, 10:00 AM to 12:30 PM

Contact details of the embassy :

Website : Embassy of India, Washington D.C., United States of America

Telephone number : (202) 939-7000

Fax number : (202) 265-4351

For Visa-related queries : Telephone: (202) 939 9888

Email : [email protected]

For queries regarding passport and miscellaneous services: Telephone : (202) 939 9864

Email: [email protected]

International airports in the USA

There are several major international airports in the United States of America, some of which are as follows.

• John F Kennedy International Airport, New York City (JFK)
• Washington Dulles International Airport, Washington D.C. (IAD)
• San Francisco International Airport, San Francisco (SFO)
• ‘OHare International Airport, Chicago (ORD)
• Salt Lake City International Airport, Utah (SLC)

Currency and Foreign Exchange

The currency of the United States of America is the United States Dollar (USD), which is commonly referred to as the US Dollar and represented by the $ sign. It is advisable to carry a sufficient amount of USD before embarking on your trip to the USA.

The exchange rate of the United States Dollar ($) with respect to the Indian National Rupee (₹) fluctuates on a daily basis. Therefore, it is important to monitor the applicable exchange rate before travelling to the USA.

USA Tourist Places

The USA has no dearth of tourist attractions, ranging from beaches to mountains, museums to amusement parks, movie studios to art galleries. Whether you are a scholar or an adventure seeker, the country has a lot to offer you. Here are some of the destinations you must not miss whilst visiting the USA.

New York City : No visit to the USA is complete without visiting New York City. Considered to be amongst the centres of modern civilisation and innovation, the big apple is home to some of the most iconic landmarks in the world, including the Statue of Liberty, the Empire State Building, Broadway, the Rockefeller Plaza, and the world-renowned Times Square. The city also houses Wall Street and 5th avenue, thereby simultaneously being the financial and fashion capital of the world.

Washington D.C .: The national capital of the United States of America is a cultural and financial epicentre and home to the U.S. Capitol, the Lincoln Memorial, the White House, and the Smithsonian. Adorned with museums and historic universities alike, the city has roots in history, branches in the present workings of the international power structure, and forces that play a significant part in shaping the future of the world.

The Grand Canyon : The Grand Canyon is one of the most spectacular natural wonders of the world and a tourist hotspot. Averaging ten miles across and a mile in-depth, the canyon has vast and seemingly endless expanses that unequivocally capture nature’s might and engender awe and reverence amongst visitors. The Grand Canyon is a day’s trip away from Las Vegas and Phoenix.

Los Angeles : Home to Beverly Hills and Hollywood, the city of angels is a cultural and cinematic force to be reckoned with. Los Angeles is regarded as the heart of California and the US movie industry. The city is adorned with picturesque beaches and incredible vistas. While in LA, you must also visit La Brea Tar Pits which contains fossils of prehistoric animals.

Las Vegas : Las Vegas is widely considered more of an experience than a tangible point on the global map. With its world-famous casinos, sound and light shows, musical theatre performances, and diverse entertainment options, Vegas has been a tourist favourite for decades. And, as popularly quoted, “What happens in Vegas, stays in Vegas!”

And, to enjoy all these places completely and explore the US with peace of mind, it is crucial to get a travel insurance USA plan from Tata AIG. To know more, check our guide on the places to visit in USA

Best Time to Visit the USA

The best time to visit the United States of America is either March to May (spring) or late September to late October (autumn). During spring, most parts of the country have mild and pleasant temperatures, thereby making it the ideal time to visit the nation. Since the summer months of May to September usually witness the highest footfalls from international tourists to the USA, it is advisable to plan your trip to this diverse country during spring or fall.

Visit the USA today and safeguard your international journey with online travel insurance for the USA from TATA AIG Insurance. With our wide range of travel insurance plans, you can select the best travel insurance for the USA for yourself. We also offer insurance for parents visiting the USA. Visit our website to know more about USA travel insurance costs and benefits.

Information last updated June 20. While this information is sourced reliably, visa requirements can change. For the most current visa details, visit the official Consulate/Embassy website.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can i get a travel insurance usa plan.

To buy travel insurance for the USA, you must visit our website and select international travel insurance. On the aforementioned page, you must enter the required personal information and choose the extent of the coverage, including the following factors.

• Medical coverage
• Baggage coverage

After customising your travel insurance for the USA plan, you need to proceed with the payment to complete the purchase. Your travel insurance USA policy will be issued immediately and available in your email inbox.

How much should I pay for a travel insurance USA plan?

The cost of your travel insurance USA plan is contingent upon the duration of your stay and several other important factors. Therefore, it is critical to have an adequate sum assured in your travel insurance for the USA plan to ensure that you have sufficient protection during the course of the trip. If you are travelling with your family, you must opt for a higher sum assured to provide them adequate coverage.

Is it mandatory to buy a medical travel insurance USA plan?

Yes, it is mandatory to have a valid travel medical insurance USA plan. Buying the aforementioned policy can help you financially safeguard your trip.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

• Global travel destinations

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Visitor travel insurance coverage - Highlights

Health care expenses.

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

Compare and buy the best Immigrant insurance

Us immigrant travel insurance coverage - highlights.

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Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Hospital medical expenses for sickness or accidents during coverage.

International students who need coverage for existing medical ailments.

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

Repatriation of remains expenses to home country in case of death.

Compare and buy Pre-Existing insurance

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Schengen visa for India

US citizens traveling to India

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There are many US travelers to India, a good number of whom have family of friends in the country. India’s healthcare infrastructure varies dramatically across the country.

Most Indian metropolitan cities like Delhi, Mumbai, Bangalore, Chennai boast of excellent healthcare infrastructure, the same is not true outside the big cities. Also, the healthcare in the good hospitals is not cheap. It is prudent to buy good travel insurance which can provide help in navigating through India’s healthcare infrastructure both in terms of identifying good healthcare as well as paying for it along with insuring trip costs and baggage loss or delay.

Testimonials - From Our Customers

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Travelling in groups? Get the best Group travel insurance quotes!

Schengen visa insurance for India residents visiting Europe

The European consulates that are part of the Schengen treaty (Spain, France, Italy, Germany, ....) insist on adequate travel medical insurance for Indians nationals who are visiting any of the Schengen countries. We offer several travel insurance plans that satisfy Schengen visa consulate requirements:

Schengen visa insurance requirements

• Medical coverage of at least 30,000 Euros travel insurance for schengen coverage (about $50,000 USD)
• A repatriation benefit.
• An emergency medical evacuation benefit.

India - General Information

India, officially known as the Republic of India, is a country located in South Asia. It is the seventh-largest country by land area and the second-most populous country in the world, with over 1.40 billion people. India shares its borders with Pakistan to the northwest, China and Nepal to the north, Bhutan to the northeast, and Bangladesh and Myanmar to the east. It is also surrounded by the Indian Ocean on the south. The capital city of India is New Delhi. India has two official languages at the national level: Hindi and English. However, there are several other recognized regional languages spoken across different states. India has one of the world's fastest-growing major economies. It is classified as a newly industrialized country and is known for its service sector, manufacturing industries, and agricultural sector. Information technology, pharmaceuticals, textiles, automotive, and tourism are among the prominent industries in the country.

Popular cities in India

Popular wildlife destinations in India

Jim Corbett National Park

Kanha Tiger Reserve

Ranthambore National Park

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Frequently asked questions about travel insurance for India.

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Customer Queries for USA travelers to India.

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Travel insurance for Indians visiting USA

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Namaste ! Over 1.7 million Indians traveled to the US in 2019 alone. Thanks to the Covid pandemic, there was a shortage of staff in US consulates in India, resulting in a huge backlog for issuing US visas for Indians. Hence the numbers of Indians visiting the US had dropped between 2020 to 2023. The number of Indians traveling to the US is however expected to increase significantly from 2024 onwards as US authorities are streamlining the process of issuing visas, along with establishing new consulates in India.

Along with tourists there are students, professionals, parents and family members of Indians in the US who undertake this journey. The nearly Five million strong highly educated and affluent Indian-American community retains close ties with India and we often have Indian-Americans buying the best visitor insurance for their parents visiting USA.

The US government has a rule for buying travel insurance for Indian visitors and making it mandatory for all prospective immigrants. While this proposed rule has come under legal scrutiny in US courts, we hear from customers that US consulates are insisting that Indian visitors applying for US Immigrant visas have proper US health insurance.

We are getting customer calls indicating that proof of the USA travel insurance for Indians is required for other visas as well. The best travel insurance for USA from India that we offers works well for both US visitors and immigrants and is proof of adequate health insurance in the USA.

Given the high cost of US health care coupled with the fact that most parents visiting from India are elderly, have to undertake a very long journey and are outside familiar Indian weather, it is imperative that they are insured by the best visitors travel insurance for USA from India.

It is recommended to buy the best medical insurance for visitors to USA from India as opposed to travel insurance in India since US hospitals are familiar with US insurance providers and it is easier for direct billing. In fact, simply having US travel insurance which work with US PPO networks, will reduce the hospital bills significantly.

There are also more US insurance plan options which are better designed for older travelers . Some of which are popular medical insurance for US visitors from India covering pre-existing conditions.

US travel insurance for Indian visitors

1. common us healthcare travel insurance terms.

Deductible is the amount that insured Indian tourists need to pay for coverage before the travel insurance actually starts to pay for the healthcare services. The Deductible has to be paid along with the co-pay or coinsurance. Indians visitors need to pay the medical fees up to the amount of deductible and along with coinsurance and co-pay.

For example if the deductible amount is $500 then the travelers need to pay up to $500, it is only after this amount is paid that the insurance plan stays paying. The Deductible is introduced to prevent frivolous claims.

Coinsurance is similar to co-pay in domestic US health insurance. Here the insured needs to pay a percentage of the total cost of the medical fee instead of paying a fixed amount. If you have 10% of coinsurance that the insured will have to pay 10% of the total cost of the bill .Co-insurance is paid on top of the Deductible. Typical Co-insurance ranges from 10% to 20%. The higher the co-insurance, the lower will be the cost of travel insurance.

Travelers from India can review the insurance glossary for travel to the USA to understand other terms and also check our US travel insurance guide for easy understanding.

Riders – Riders are additional benefits that a traveler can purchase within the insurance policy. These are benefits that are usually not covered under the standard insurance policy. Depending on the need of the traveler, customers can add rider benefits at an additional cost while buying the policy.

Copay or copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed.

Network and Out of Network - In US most hospitals have PPO networks. In the PPO network there are selected doctors and hospitals that have a working agreement with the insurance providers who charge the insurance provider directly and work out cheaper for Indian travelers. If the insurance provider is in the network they will provide a list of in network facilities so that the insured finds it easy to use the provider who can offer services.

Out of network insurance is literally when the customer goes to a healthcare facility outside of the covered network provider. In this situation, the insured will have to pay for the treatment themselves and then file a claim, this process might be confusing and sometimes out of network doctors and hospitals are more expensive and may even not be covered.

2. Visitor insurance with pre-existing conditions coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers from India with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Indian Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most insurance providers offer travel insurance for acute onset of pre-existing conditions with fixed or limited coverage

If any of the Indian visitors has one of these conditions it’s very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

3. Affordable visitor travel insurance for US visitors from India above 70 years of age

Senior Citizens who are 70 years of age are vulnerable to illness and are at high risk for travel sickness and injuries. While most insurance providers refuse or severely reduce coverage for travelers who are 70 years, there are a US insurance providers who insure older traveler’s. IMG in their Patriot America Plus Insurance offers coverage for up to $50K - $1M and World Trips in their Atlas America Insurance offers $50K - $2M coverage.

4. Pre-approvals for medical treatment and Hospital Visits

Pre-approval commonly known as pre-authorization is a sanction provided by the insurance provider to obtain the medical treatment and hospital visits. The healthcare service workers like network providers, hospitals or doctor’s offices often choose to inform the insurance provider and get a pre-approval. In a case where the insured is using an out-network provider the insured will need to notify the insurance provider to get pre approval or pay and then apply for a reimbursement.

In situations like an admission at the hospital for overnight stay, Major Surgery, Prescription of expensive drugs, Medical appointment to a behavioural, physical, speech or occupational therapist for treatment all of this would typically require pre-approvals from the insurance provider.

5. Renewability and Deductible in an extended /renewed Travel insurance

Not all travel insurance plans are renewable, so check on the renewability of the travel insurance plan. Most travel insurance plans can be extended based on the traveler’s requirement. When the policy is extended, the deductible is usually reset.

6. Multi-trip travel insurance

Regular or frequent travelers visiting the US can buy the annual multi-trip travel insurance plan. Here the traveler is insured for a whole year from the start of the plan, but each trip is limited to a certain length of stay outside the home country and are required to have a domestic health insurance.

Extending the visitor visa for Indians while in the US

Even though the Covid pandemic seems to be over, many Indian visitors on a temporary tourist visa are forced to extend their stay in the US for different reasons. These travelers have to extend or renew their visa status in order to stay longer in the US. The following is the procedure to extend the US short term visa:

• The visitor should complete the I-539 form for extension of a Non-Immigrant Visa.
• Indians should submit a letter stating the reason with detailed explanation for extension.
• Visitors should submit a copy of form I-94 that that he/she received on entry into the US.
• Visitors should provide documentary evidence that the extended stay is temporary along with the booked return tickets.
• Indians provide proof that the stay is completely taken care and he/she are financially covered and will not be a public charge in the United States.
• Visitors should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.

Pay the required renewal fees

Pay $370 filling fees +$85 for biometric fees depending on the petition at the USCIS.

Visa extension processing

The USCIS will issue a receipt with 13-digit case number on submission of the extension application. The Indian visitor should provide this case number to check the status of the application and its processing times (customer service number helpline number is: 1-800-375-5283).

Best travel insurance for USA from India

With the worst of the Covid pandemic being behind us, there has been a significant increase in Indian travelers to the USA. The delayed processing of US visas for Indian tourists is also getting sorted out and Indian travelers will soon be able to visit family and friends in the US with ease. However, the US has seen high inflation rates during the Covid years, and this is further impacting the already high US healthcare costs.

Given this, it is imperative that Indians coming to the US shield themselves from any US medical expenses by purchasing the best health insurance for visitors in USA from India. Many of the Indian travelers are elderly parents visiting their family members living in the US. As senior citizens, they are vulnerable to health related issues while in a new environment, and it is even more important for seniors to buy the best travel insurance to USA from India.

Indian travelers can compare health insurance for visitors in USA from India on American Visitor Insurance. We list the best travel insurance to USA from India based on the travel insurance cost and coverage benefits for your specific requirements enabling you to buy the best health insurance for visiting USA from India.

Student insurance for Indian students in the US

There are over One hundred and eighty thousand Indian students currently in the United States. Most of the Indian students come for a graduate program with only about 10% of the students being Undergraduate students.

There are about 30% of Indian students who are currently in the Optional Practical Training (OPT) status. India is the second largest source of the international students to the US after China. Most of the Indian students focus on Science, Technology, Engineering, Math (STEM) programs. Business degrees are also highly regarded by Indian students.

Indian students in the US should ensure that they have proper student medical insurance. While most Universities offer student insurance, these university insurance plans are quite expensive. We offer more affordable student health insurance plan for OPT Indian student with comparable coverage.

Indian students can also buy the OPT student insurance options that we provide which are very affordable compared to University options.

H1B visa health insurance for Indian professionals in USA

A large number of Indian computer engineers and software developers work in the United States on the H1B visa. The United States of America being the global leader in research, science and technology attracts Information Technology talent from around the world and in particular from India given India’s large technically savvy labor force.

As a result, every year thousands of Indian techies migrate to the US for employment and to start a new chapter of their life. The US is also a magnet for entrepreneurs who are willing to innovate and work hard to translate ideas into products and services and to create new companies for the same.

Most of these skilled professionals come to the US on the H-1B visas. More than half of all Indian immigrants to the US finally secure their Green Cards through employment. While the Trump administration had made it difficult to get a new H1B visa or to renew existing H1B visas, the Biden administration is easing on those restrictions. Given all these changes going on with the visa process Indians who are planning to immigrate to the US should anticipate uncertainties and be well prepared for them.

One of the additional stresses that H1B visa holders face is that of their healthcare. US healthcare while excellent is also very expensive. It is in this context that it is very important for Indian H1B visa holders to buy good health insurance in the US, especially so given the Covid pandemic. At American Visitor Insurance, H1B visa holders can compare several top US insurance companies offering short term health insurance which works ideally for H1B visa holders.

These short term H1B visa health insurance plans are flexible in that they can be purchased only for the duration of one’s requirements. If the H1B visa holder gets domestic US health insurance through his employer, he can discontinue the temporary health insurance purchased here. Indian technology professionals can compare different H1B visa insurance options and buy the plan that works best for their budget and specific needs.

Travel health insurance for Indian parents visiting USA

India and the US has been witnessing a stronger political, economic and cultural connection in the 21st century. This has involved in a large number of Indians traveling to the US on work thanks to India’s dynamic technology sector and many outsourcing companies. Many of these Indians have now settled in the US and today the Indian American population in the US is 4 million strong.

This large Indian American community retains strong ties with family members in India and it is natural to have parents and relatives travel to the US to meet their children. Traveling to the USA is naturally exciting for parents are seeing their children and grandchildren. However despite much planning, travel may not turn out to be as comfortable as planned.

During travel older travelers will be exposed to strenuous long hours of travel, change in weather conditions and food which eventually may lead to a medical emergency. Given the pandemic, even though the worst seems to be behind us, Covid is still causing health problems, especially for senior citizens. It is therefore very important for Indian parents to take full precautions while traveling to the US. Due to the older age of parents, health and stress-free travel is crucial.

To avoid any such emergencies buying good US parents travel insurance is necessary as this will cover them for unforeseen medical situations that can leave them with a financial loss and nightmare in the US.

Different types of US Visitors travel insurance

Fixed benefit travel insurance, comprehensive travel insurance.

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Factors that determine the cost of US travel insurance plans

Age of the traveler.

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage and deductible options

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Steps to buy US visitor travel insurance online

  1: finding the available us travel insurance plans.

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

  2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

  3: Buy the travel insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

  4: Review insurance plan documents received by email

Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, types of travel insurance, single trip travel insurance.

Compare and Buy Best US Single trip travel Insurance for travel within the US and overseas

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

Find best US travel insurance from India

Which is best travel health insurance india to usa.

There many India to US travel insurance available for Indians from top reputed insurance providers. Based on the travelers coverage requirements there are two types of plans, fixed benefit and comprehensive visitors insurance .

Fixed benefit insurance are cheaper and offer limited coverage while comprehensive plans are expensive and offer exhaustive coverage. The best health insurance for visitors to USA are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International, Travel Medical Choice plan from Seven Corners, INF Safe traveler USA plans from INF all of which have excellent coverage.

Indian Americans and the need for visitors insurance

Visitors health insurance for USA offered here are customized to the needs of international tourists visiting USA and Canada and work very well for parents visiting from India. Travelers can buy the best travel insurance online for USA from India for their specific needs based on the cost, different coverage benefits and deductible options.

Important factors for best travel insurance for visitors to USA from India

• Pre-existing condition coverage , especially for older travelers.
• Cancellation options if they return early.
• Renewable, if the stay is extended.
• Fixed vs comprehensive plans as price varies hugely.
• Deductible and Coinsurance in visitor insurance
• Network of hospitals and doctors

Advantage of US visitors insurance over Indian travel insurance

• Lower medical costs due to PPO network with US hospitals.
• Local customer support for claims and during hospitalization.
• Direct billing easier and widely accepted by US healthcare facilities.
• More comprehensive visitors insurance options for all age groups.
• Pre-existing condition travel insurance for Indian parents visiting usa available.

Advantages of buying travel Insurance in the US when compare to Indian travel insurance options.

Purchasing US travel insurance provides coverage that is custom designed for the US healthcare system. Local US healthcare knowledge and network ties are hugely beneficial while navigating the US healthcare landscape. An US-based medical insurance for visitors to usa from India integrates seamlessly with local healthcare providers and will be advantageous for your expenses. Most US travel insurance plans have a network of healthcare providers (PPO network) within the US. This network facilitates a significantly lower billing for hospitalization costs as well as manage the direct billing arrangements and provides easier access to medical services.

It is much easier dealing with a US-based insurance provider as they offer the advantage of easier communication due to language and time zone proximity. US-based travel medical insurance for usa from India providers have a better understanding of US laws and regulations governing insurance simplifying the claims processes. US travel insurance plans provide comprehensive global assistance services, 24/7 support including emergency medical evacuation. Visitor health insurance from US providers also offer specialized coverage that cater to specific needs of Indian travelers, such as coverage for pre-existing medical conditions or for extending the trip and renewal of an existing policy.

Tourist Visa Documentation

• A valid passport.
• One passport sized photo ( color and not older than 6 months).
• Form DS-160: Confirmation page with CEAC bar code.
• Receipt of Visa Fee.
• Documents to show purpose of visit and non immigrant intent.
• Documents to show sponsorship (if sponsored) or self sponsored applicants can show evidence of financial resources through property, employment or profession.

US Tourist Visa Fees

Types of Visa: B, C-1, D, F, I, J, M, TN/TD,T & U Fee: $160.00 Types of Visa: H, L, O, P, Q & R Fees: $190.00 Note: The visa fees paid is non refundable even if your application is rejected.

List of some prominent visa types and their nature

List of indian embassies in the us, india embassy in washington.

Address 2107, Massachusetts Avenue, NW 20008, Washington, United states

Phone +1-202-9397000

Email [email protected] [email protected]

India Consulate in Texas

Address 24300 Scotland Street, 77007, Houston, Texas, United states

Phone +1-713-6262148 +1-713-6262149

Email [email protected]

India Consulate in New York, NY

Address 3 East 64th Street, NY 10021, New York, United states

Phone +1-212-7740600

Email [email protected]

India Consulate in Illinois

Address 455 North Cityfront, Plaza Drive, Suite 850, 60611, Chicago, Illinois, United states

Phone +1-312-5950405 +1-312-5950410

Email [email protected]

India Consulate in California, CA

Address 540 Arguello Boulevard, CA 94118, San Francisco, California, United states

Phone +1-415-6680662 +1-415-6680683

Email [email protected], [email protected], [email protected]

India Consulate in Atlanta, GA

Address 5549 Glenridge Drive NE, GA-30342, Atlanta, United states

Phone +1-404-9635902

Email [email protected]

Best visitors insurance for parents from India with pre existing conditions

Indian travel health insurance usa.

Most of the US visitors insurance plans for parents provide coverage for "Acute Onset of Pre-Existing Conditions". Travel health insurance for USA basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. Indian Travel insurance USA coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.

INF is one of the few companies which offers USA travel insurance plans for parents from India with full coverage for pre-existing ailments. INF visitors insurance for parents with pre-existing conditions offers coverage for any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.

The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:

• A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
• A limit on the number of occurrences within the insured period.
• Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite best parents travel insurance for pre existing conditions .

USA travel insurance from India, Travel insurance to USA from India - Information

Trip cancellation insurance.

Covers trip cancellation and other emergencies while vacationing in India.

Annual Multi-trip insurance

Annual travel insurance for frequent travelers to and from India.

Group insurance

Group travel insurance for India for five or more travelers on same itinerary.

Student Insurance

International students studying overseas.

Tips for Indians booking air tickets

• Keep flight connections to a minimum: If there are 3-4 flight connections involved, it can be stressful for parents. The connection time should be less than 3 hours because waiting for longer hours in the airport can strain elders in the absence of airline accommodation.
• Try to use a single airline: In a bigger airport, different airlines can operate from different terminals. Reaching terminals of different airlines inolves longer distances and parents may have to use trains, buses, walking, escalators, elevators... within the airport

• Customs and Immigration: While booking the air ticket make sure that the immigration and customs formalities happen in the final destination. Children can assist parents at the airport in case of problems in immigration or customs.
• Where to book air tickets: Use experienced travel agents in India who book air tickets to America who are familiar with the needs of seniors.

International travel medical insurance

Us visitor healthcare cost.

High health care costs in US could be burdensome to a short term visitor.

Steps for US Visitor Healthcare cost

Travel medical insurance

Offers coverage of sudden & unexpected illness while traveling away from your home country.

Pre-existing coverage

Find insurance plans providing comprehensive coverage for pre-existing conditions/ailments.

Senior citizens

A fall/illness could become more serious for the older traveler. Be sure you have good coverage.

Travel insurance India - FAQ's

01. why is travel insurance for usa so expensive.

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

02. Which travel insurance is best for USA from India? Which is the best insurance for visitors in USA?

There are several different visitor insurance USA from India options which vary quite significantly in price and benefits. The best insurance for visitors in USA will vary from customer to customer. While some travelers will consider the cheapest insurance as the best travel insurance, others will want comprehensive coverage and are willing to pay more for the best travel medical insurance for USA.

Our compare travel insurance to USA facility allows travelers review several visitor insurance USA from India options in one screen based on price as well as coverage benefits. The travelers can find the best travel insurance India to USA based on their unique needs.

03. Is travel medical insurance required for US tourist visa? Is travel insurance mandatory for India to USA?

As of now, travel insurance is not mandatory for visitors from India to the USA. However, it is strongly recommended to have travel insurance when traveling to the USA, as healthcare costs are high, and any medical emergency or unexpected event can result in significant financial losses.

04. Can a visitor get health insurance in USA?

Yes, visitors can get short term travel health insurance in USA. Reputed US insurance providers have designed travel health insurance products specifically for visitors and tourists in the USA. We provide a compare travel insurance to USA facility that allows travelers compare travel insurance India to USA options based on price as well as coverage benefits.

Travelers can find the best US travel insurance from India to USA based on their specific needs.

05. Does Indian travel insurance work in the USA?

While there are different Indian travel insurance plans for the USA, very often US hospitals or healthcare facilities do not recognize international insurance plans and will insist of paying for the healthcare treatment and getting the bill reimbursed from the insurance provider. Getting reimbursed from the Indian insurance provider can be bureaucratic and take a lot of time and effort. To add to this, very often the reimbursed will be made only in India to an Indian bank account. This can be difficult since the payment has to be made in the United States.

06. What are the reasons to choose our services for travel insurance from India to the USA?

American Visitor Insurance is a US based travel insurance provider offering a range of US visitors insurance plans for visitors to the USA from India. Here are some reasons why you may choose American Visitor Insurance for your travel insurance needs:

• Wider range of plans : American Visitor Insurance offers the widest range of plans to choose, so travelers can find a plan that suits your specific needs and budget. The plans cover a range of benefits, including medical expenses and emergency medical evacuation.
• Easy to purchase : Customers can buy a travel insurance policy online on the American Visitor Insurance with ease. Our online application process is user-friendly and straightforward, and you can purchase a policy in just a few minutes.
• Customer service : Provides excellent customer service and support with licensed travel insurance agents 7 days a week. The licensed and experienced representatives are available to assist you with any questions or concerns you may have.
• Best pricing : Travelers will not be able to buy a travel insurance plan offered on American Visitor Insurance at a lower price anywhere.

07. Why do you need travel insurance for USA from India?

If you are planning a trip to the USA from India, it is extremely important to have the best travel insurance to protect yourself from unexpected events. Here are some reasons why you need travel insurance for the USA from India:

• Medical emergencies : Healthcare costs in the USA are extremely high, and a medical emergency can quickly become expensive. Travel insurance can help cover the cost of medical expenses, including hospitalization, doctor visits, and emergency medical evacuation.
• Lost or stolen baggage : Travel insurance can help cover the cost of lost or stolen baggage, including the value of the items inside your luggage.
• Travel delays : If your flight is delayed or cancelled, travel insurance can help cover the cost of additional expenses such as accommodation, meals, and transportation.
• 24/7 support : Many travel insurance plans offer 24/7 support and assistance, so you can get help when you need it.

08. How much medical insurance do I need while traveling?

Depending on the plan you choose, coverage for travel insurance can range from $25K to $8 million. Medical expenses in the USA are notoriously high, making it difficult to estimate the exact amount of coverage required. Our agents can advise you on the most suitable plan based on factors such as the nature of your treatment, age, and duration of your trip. For a brief visit with no pre-existing conditions, a policy with coverage of $50K may suffice. However, in the event of hospitalization due to a severe medical condition, a policy with higher coverage limits may be necessary.

09. Does Indian health insurance work in USA, or do I need US visitors insurance?

In most cases, Indian domestic health insurance policies do not provide coverage in the USA as Indian health insurance policies are designed to provide coverage within India. For traveling to the USA, you will need to buy travel medical insurance that provides coverage outside India specifically for your trip to the USA. It is essential to ensure that your travel insurance provides adequate coverage for medical emergencies, accidents, and other unexpected events that may occur while you are in the USA. Customers can compare and buy US visitors health insurance online on American Visitor Insurance.

10. What type of travel insurance for Indian parents visiting usa should I buy?

When traveling to the US, there are different types of travel medical insurance for usa from India to consider, depending on your specific needs. US insurance providers on American Visitor Insurance offer different travel insurance options for different visas, such as tourism, business, employment, study, and family reunification. When traveling to the US on any of these visas, buying the best medical insurance for visitors to usa from India is strongly recommended given the high cost of US healthcare.

Some visa types like the J1 visa require the visa holder to have mandatory health insurance. It's important to ensure that the chosen insurance plan complies with any visa-specific requirements and provides adequate healthcare coverage for all medical expenses during your stay. Keep in mind that U.S. immigration policies may change, so it is important to check the latest information on the official US government website when applying for a U.S. visa.

11. Will insurance for parents visiting usa from India cover everything?

Travel insurance for parents visiting usa from India vary widely, and while they provide coverage for many situations. It is therefore important to compare plans on American Visitor Insurance to understand what the travel insurance plan covers. Travel insurance to usa from India typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.

Common Inclusions in travel insurance from India to usa for senior citizens:

• Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
• Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
• Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
• Emergency Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.

Common Exclusions in the best medical insurance for visitors to usa from India:

• High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
• War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
• Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
• Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.

12. When to buy best medical insurance for parents visiting usa from India?

The best time to buy US visitor insurance for parents from India is as soon as you confirm your travel details. Buying travel insurance for usa from India depends on factors, including the type of coverage you need, the nature of your trip, and the specific terms of the insurance policy.

Buying visitors travel insurance early, shortly after booking your trip, is strongly advisable. This ensures that you have coverage for unforeseen events that might occur before your departure. Some policies have waiting periods or exclusions for pre-existing conditions, and coverage is often more comprehensive when purchased early.

USA visa health insurance, Visitor visa health insurance USA

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

F1 visa student health insurance, International student insurance in USA.

J1 visa insurance for exchange scholars, J1 visa medical insurance.

Health insurance for green card holders, Green card health insurance.

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

H1B visa health insurance, Travel health insurance for H1B visa holders.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa health insurance, Health insurance H4 visa holders.

Travel insurance India to USA, US travel insurance from India

Travel insurance India resources

International travel insurance resources for India visa holders.

Factors for travel insurance India online

Important factors while deciding on the best travel insurance to India

Types of India travel insurance online

Understanding different types of India visa travel insurance options.

India travel insurance claims procedure

India travel insurance online claims process for medical care hospital.

Find the best US visitor insurance coverage - Blogs and Articles

Affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Coinsurance & Deductible - How visitor travel insurance works.

Best International travel insurance Cost

Travel insurance - pre-existing conditions coverage, international travel insurance resources, us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More international travel insurance categories

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USA New immigrant Insurance

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Travelling From India to the US? Here Are 3 Health Insurances to Know in 2023

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Whether you're travelling to the USA to visit friends or family there, or just as a tourist eager to see the famous Times Square, Grand Canyon, or Golden Gate Park, before arriving from India, it's crucial to consider your travel insurance options And while travelling to the US can be an accessible, it's worth remembering that out-the-pocket healthcare costs are the most expensive in the world, so it's not just a good idea, but essential, to arrive in the country with travel health insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the US and other countries worldwide. Our list below explores the four services we believe provide the best deals for young adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats alike.

US Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the US:

Best Travel Insurances for the US

• 01. Should I get travel insurance for the US? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance from India to the US scroll down

Is Travel Insurance Mandatory From India to the US?

No, travel insurance is not mandatory for travel to, or through, the United States of America from India.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the US or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the USA from India:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for visitors from India travelling to the USA. It lets you choose between various plans tailored to meet the specific needs of your trip to the US, including coverage for emergencies, doctor's visits, and other medical-related expenses. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the US:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /person /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another good travel insurance provider for the US, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from India with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /person /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for young people or digital nomads from India because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in the USA knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /person /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travelling

Compare For Yourself

In this post, we explored three travel insurance providers you should consider for your next trip to the US from India. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇

Find travel insurance for you:

How do they compare.

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the US? Take a look at the side-by-side chart below:

Data correct as of 14/02/2023

FAQ About Travel Insurance from India to the US

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, travel insurance is not mandatory for travel to the USA. However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel to the US. For what's usually an affordable cost, taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to visitors worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the insured, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent tourists.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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USA Travel Insurance

Please note that this policy is not applicable for more than 90 days on an immigrant visa. Kindly ensure your travel duration is 90 days or less.

Please note that this policy is not applicable for more than 180 days on a non-immigrant visa. Kindly ensure your travel duration is 180 days or less.

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• Saudi Arabia Singapore South Korea Sri Lanka
• Taiwan Tajikistan Thailand Timor-Leste Turkmenistan
• United Arab Emirates (UAE) Uzbekistan Vietnam Yemen
• Rest of the World
• Russia Turkey Azerbaijan Georgia Kazakhstan

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List of Schengen States

List of asian countries, non schengen european union states covered under icici schengen travel insurance.

• USA or Canada

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Travel Safe to the USA – A Melting Pot of Cultures

ICICI Lombard Travel Insurance policies are tailored to suit specific demographics; for example, the Senior Citizen Travel Insurance Plan caters to the needs of senior citizens. Similarly, the Gold Multi Trip Travel Insurance for frequent travellers provides hassle-free travel opportunities for a specified duration.

Our travel insurance policy covers you against medical and non-medical emergencies whether you are travelling for business or leisure. What's more, it is easily available online and offers coverage with no medical tests up to 85 years of age!

The United States of America (USA), a 'melting pot' of cultures from around the world, is famous for its wide range of popular tourist destinations. With millions of tourists flocking here to experience a bit of 'The American Dream', it is a coveted wish in the bucket list of many avid travellers.

It is always prudent to opt for overseas travel insurance as it takes care of any unforeseen expenses and travel-related emergencies while helping you explore an unfamiliar country. If you run into any problem without a travel insurance, it can dent your finances substantially as medical costs in the USA are very high, and disrupt your travel plans.

It doesn't matter whether you are a solitary business traveller who frequents USA or a travel freak who enjoys new adventures with your family and friends. ICICI Lombard Travel Insurance offers a variety of value-added benefits that help you make any trip the experience of a lifetime.

Benefits of our Travel Insurance in USA

Cashless Hospitalisation Worldwide

Coverage for Total Loss of Checked-in Baggage

Emergency Hotel Extension

Daily Allowance in Case of Hospitalisation

No Medical Tests up to 85 Years of Age

Trip Cancellation and Interruption Reimbursement

Emergency Cash Advance (for instances such as theft, burglary, etc.)

Things to Do in USA

Comprising 50 scenic states, America has no dearth of tourist hotspots. From the bustling hub of New York City to the rustic beauty of Rocky Mountains, it offers the best of both worlds. The following are some of the most note-worthy destinations to visit:

This lively five-block intersection manages to lure in tourists from around the world. Take in the glittering lights, mega-stores, street performers and cafés that litter this vibrant place that makes it one of the most-visited places in the USA.

Located in the centre of Manhattan, the 843 acres of paths, lawns, lakes and gardens make it an ideal place to admire the serenity of nature. You can ride a bike, take a walk, run or even ride in a horse-drawn carriage!

Enjoy the bustling night life at this five-mile strip that is adorned with a number of modern architectural wonders. For the gourmet-lovers, it is an ideal fine-dine destination.

Revel in the grandiosity of the Grand Central Terminal. Its architectural beauty attracts close to 10,000 tourists every day.

Indulge the child in you by paying a visit to the original Disneyland Theme Park.

These are just some of the names off a long list of destinations. Places like the Golden Gate Bridge, Brooklyn Bridge, Hollywood, Great Smoky Mountains, the Grand Canyon and many more offer unique travelling experiences.

Embassy Information

It is useful to know the locations of the Indian Embassy and Consulates of any country that you visit. This information helps in the case of events like passport loss or theft. Here are the Indian Embassy and Consulate locations in the United States of America:

List of International Airports in USA

Visa procedure.

To apply for non-immigrant or travelling visa, first determine your visa type by reading Common Non-immigrant Visas (A guideline that explains the qualifications and applicable items.) Choose the suitable Visa Type. Next, complete the Non-immigrant Visa Electronic Application (DS-160) form.

Once you have determined the correct visa type and completed the DS-160, you must pay the visa fee. After remitting the visa fee, create a profile and keep your receipt number to book your visa appointment. Login to your profile and schedule an appointment with Visa Application Centre and US Embassy or Consulate. You will need to carry the required credentials and proof of identity.

Here are the locations of the US Embassy and Consulates in India:

List of Well-known Indian Restaurants in USA

Offering a mouth-watering range of desi delicacies, these are some of the most popular Indian-themed restaurants in USA:

Customer Reviews

Nitya Arora

Since I travel back and forth from Mumbai to Chicago for business meetings I needed the most comprehensive travel insurance. My boss suggested ICICI Lombard travel insurance policy as they offer a variety of value added services. So I read through the policy and was quite impressed with the list of benefits. Needless to say, my travels are much more relaxed now that I have an insurance cover.

Joseph Fernandes

I'm used to travelling solo and had recently gone to visit New York City, which was at the top of my bucket list. But my trip came to halt when I got into a traffic accident. This could have gotten me into a financial fix, but my ICICI Lombard travel insurance came to the rescue. They paid for my hospitalisation expenses and also gave me a daily allowance for additional expenses. Though there were a few minor injuries I could enjoy the rest of the trip as planned.

International Travel Insurance

ICICI Lombard also offers insurance for the below products

Two Wheeler Insurance

Car Insurance

Health Insurance

Home Insurance

Travel Insurance for USA from India – Buyer’s Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

So, you’ve decided to embark on an epic adventure from India to the land of stars, stripes, and supersized everything – the USA! As you prepare for your journey, one question likely lingers in your mind: “Do I really need travel insurance?”

In this article, we’ll dive headfirst into the world of travel insurance, peppered with humor and a dash of NRI spice, to help you weigh the pros and cons and make an informed decision.

Travel insurance is one of the most important things to have when traveling, especially if you’re going to be visiting a country like the United States.

There are many different types of travel insurance, and it can be confusing to know which one is right for you. That’s why we’ve put together this guide to help you choose the best travel insurance from India to USA for your next trip.

In this article...

Why You Need Travel Insurance for Your Trip to the USA

When planning a trip from India to the United States, it’s important to consider purchasing travel insurance.

There are many reasons why travel insurance is a good idea, including the high cost of medical care in the U.S., the risk of being injured or becoming ill while traveling, and the possibility of losing money if your trip is canceled or interrupted.

Medical care in the United States is very expensive, even if you have health insurance at home. If you become injured or ill while on your trip, travel insurance can help cover the cost of medical treatment. Even if you don’t end up needing medical care, travel insurance can provide peace of mind knowing that you’re covered in case of an emergency.

The risk of being injured or becoming ill while traveling is always present, no matter where you’re going. If you’re planning a trip to the U.S., travel insurance can help cover the cost of medical treatment if you’re injured or become sick while on your trip.

There’s also the possibility that your trip will be canceled or interrupted due to unforeseen circumstances beyond your control. If this happens, travel insurance can reimburse you for non-refundable trip expenses, like airfare and hotel reservations. Travel insurance can also provide coverage if your luggage is lost or stolen.

If you’re an international traveler to the U.S., it’s important to compare travel insurance options that are available for visitors from other countries. If you’re not eligible for regular traveler’s insurance, some companies offer coverage specifically for international travelers.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Issues faced by visitors from India in USA

There are a number of issues faced by Indian visitors to the USA. One of the main issues is the high cost of living in the USA. This can be a shock for many Indians who are used to a much lower cost of living in their own country. Another issue is the difficulty in getting around in the USA.

The public transport system is not as developed as in India, and this can make it difficult for visitors to get around. Additionally, the culture shock of being in a completely different country can be overwhelming for some visitors.

Finally, the language barrier can be a problem for many Indians who do not speak English fluently. ( Source )

There are a number of health risks also that visitors to the USA face. These include:

The risk of contracting a disease from a mosquito or other insect bite.

Diseases such as Zika virus, West Nile virus, and Lyme disease are all present in the USA.

The risk of contracting a foodborne illness.

This is particularly a risk if you eat food that has not been properly cooked or that has been left out in the sun for too long.

The risk of being injured in a car accident.

The USA has a high rate of motor vehicle accidents, so it is important to be cautious when driving.

The risk of being a victim of crime.

The USA has a high crime rate, so it is important to be aware of your surroundings and to take precautions when traveling in unfamiliar areas.

The risk of being exposed to hazardous materials.

The USA has a number of industries that use hazardous materials, so it is important to be aware of the risks of exposure and to take precautions when necessary.

What does travel insurance cover?

Some health risks that travel health insurance may cover when visiting the USA include:

• Medical expenses in the event of an accident or illness
• Emergency evacuation and repatriation
• Coverage for lost or stolen baggage
• Trip cancellation or interruption
• Missed connection coverage
• 24/7 access to a team of medical and travel professionals

Best Travel Insurance from India to USA

There are many travel insurance companies in India that offer insurance for travel to the USA. Some of the best travel insurance companies in India that offer insurance for travel to the USA are Bajaj Allianz , HDFC Ergo, ICICI Lombard, and Reliance General Insurance.

There are many different types of travel insurance available in the United States, and it can be difficult to determine which one is the best for your needs.

Some factors to consider include the type of trip you are taking, the length of your trip, and the activities you will be participating in while on your trip. It is also important to consider whether you need comprehensive coverage or just basic protection.

One of the best ways to find the best travel insurance for your needs is to compare different policies and companies. There are a number of websites that allow you to do this, and they will often provide you with quotes from multiple insurers. This can help you to get a good idea of the prices and coverage options that are available.

When you are looking at different policies, it is important to read the fine print carefully. Some policies may exclude certain activities or destinations, and you need to make sure that you are aware of these exclusions before you purchase a policy. You should also be aware of any deductibles that apply, as this can impact the overall cost of the policy.

Once you have compared different policies and companies, you should select the one that offers the best coverage for your needs at the most affordable price.

There are many travel insurance plans available for visitors to the USA, but some of the best include:

Safe Travels USA Cost Saver

Safe Travels USA Comprehensive

Patriot Platinum

Visitors Care

Patriot International

Patriot America

Patriot America Plus

Atlas America

Additionally, you might also consider these plans.

• Travelex Insurance Services TravelSafe
• Allianz Global Assistance Classic
• Generali Global Assistance Basic
• AXA Schengen
• Beazley Blue
• Cigna Global Explorer
• GeoBlue Voyager Choice
• HTH Worldwide TravelGap Explorer
• iTravelInsured LX
• John Hancock Travel Protection Essential
• MH Ross Travel Protector Basic

1. Do your research

There are many factors to consider when researching travel insurance. Some important things to think about include:

-What type of coverage do you need? -How much coverage do you need? -What is your budget? -What is the policy excess?

Some other things to keep in mind when researching travel insurance include reading the policy terms and conditions carefully, understanding what is and is not covered by the policy, and find out if there are any exclusions.

It is also a good idea to get quotes from a few different insurers to compare coverages and prices.

2. Consider your needs

When considering travel insurance, it is important to think about what kind of coverage you need. Do you need medical coverage? Do you need coverage for lost luggage? Do you need trip cancellation insurance?

Once you know what kind of coverage you need, you can compare different policies to find the one that best meets your needs. Be sure to read the fine print so that you understand what is and is not covered by your policy.

3. Compare policies and prices

When you are buying travel insurance, it is important to compare policies and prices in order to get the best coverage for your needs. There are a variety of factors to consider when choosing a policy, and by comparing policies you can be sure to find the one that best meets your needs. In addition, by shopping around for travel insurance, you can be sure to get the best price possible.

4. Read the fine print

When you are buying travel insurance, it is important to read the fine print so that you know what is and is not covered. For example, some policies may not cover you if you have to cancel your trip due to a medical emergency. Others may only cover you for a certain amount of money if you lose your luggage.

It is also important to know what exclusions there are in your policy. For example, some policies may not cover you if you are participating in an adventure activity such as bungee jumping.

Make sure you understand all the terms and conditions of your policy before you buy it. That way, you can be sure that you are getting the coverage you need.

5. Check reviews

When you are buying travel insurance, it is important to check the reviews to see what other people’s experiences have been. This can help you decide if the company is reputable and if the policy is right for you. It is also a good way to find out if there have been any problems with claims or customer service.

6. Determine coverage for preexisting conditions

When considering travel insurance, it is important to determine if your policy will cover preexisting conditions. A preexisting condition is any medical condition that you have before buying a policy. Many policies exclude coverage for preexisting conditions, so it is important to read the fine print and understand the limitations of your policy. If you have a preexisting condition, you may still be able to get coverage by purchasing a policy that includes a waiver for preexisting conditions.

7. Find out what’s not covered

When you are buying travel insurance, it is important to find out what is not covered in the policy. This can help you to avoid any surprises when you need to make a claim. For example, many policies will not cover you for lost or stolen items, so if this is a concern for you, you will need to find a policy that does cover this.

8. Compare deductibles

When you are buying travel insurance, it is important to compare deductibles. The deductible is the amount of money you will have to pay out of pocket before your insurance policy kicks in. A higher deductible means that you will have to pay more out of pocket if something happens, but it also means that your premiums will be lower. You should consider how much you are willing to pay out of pocket and how much coverage you need when you are comparing deductibles.

9. Consider your trip length

When you are buying travel insurance, it is important to consider the length of your trip. This is because the length of your trip will affect the type and amount of coverage you need. For example, if you are going on a long trip, you will need more coverage than if you are going on a short trip.

What to Look for When Buying Travel Insurance

When you are buying travel insurance, there are a few things you should look for in order to get the best coverage for your needs. First, you should make sure that the policy covers medical expenses in the event that you become ill or injured while on your trip. It is also important to check what the policy covers in terms of lost or stolen luggage, as well as cancellations or delays.

You should also make sure that the policy covers any activities you plan to do on your trips, such as hiking or skiing. Finally, it is a good idea to read the fine print of the policy to make sure you understand all of the exclusions and limitations.

Benefits of Travel Insurance when traveling from India to USA

If you’re planning a trip from India to USA, you may need to purchase visitors medical insurance. This type of insurance is different from regular health insurance and is designed to cover medical expenses while you’re traveling. Short-term health insurance may also be an option if you’re only planning to be away for a short period of time.

There are many benefits to having travel insurance when traveling from India to the USA. Travel insurance can cover medical expenses, trip cancellation, lost or stolen luggage, and other unforeseen expenses. It can give you peace of mind knowing that you and your family are protected while traveling.

How to Make Sure You’re Covered by Travel Insurance

When you’re planning a trip, it’s important to make sure you’re covered by travel insurance in case of any emergencies. Here are a few tips to help you choose the right policy:

• Make sure you understand what is and isn’t covered by your policy. Some policies only cover certain types of emergencies, so it’s important to know what you’re covered for.
• Choose a policy with a reputable company. There are many travel insurance companies out there, so make sure you choose one that is reputable and has a good track record.
• Make sure you read the fine print. Many policies have exclusions and limitations, so it’s important to read through the policy carefully to make sure you understand what’s covered.
• Get quotes from multiple companies. Once you know what you’re looking for, get quotes from several different companies to compare prices.
• Buy your policy early. Some policies have a waiting period before they go into effect, so it’s important to buy your policy well in advance of your trip.

Following these tips will help you make sure you’re covered by travel insurance in case of an emergency.

Why buying travel insurance from USA is better

There are a few reasons why buying travel insurance from USA is better than buying travel insurance from Indian companies. One reason is that the insurance companies in USA are more experienced and have been in business for longer.

This means that they are more likely to be able to provide better coverage and assistance if you need it. Another reason is that insurance companies in USA are subject to stricter regulations than those in India. This means that they have to meet higher standards in terms of the cover they provide and the service they offer.

Finally, buying travel insurance from a US company usually gives you access to a wider range of benefits and assistance services than you would get from an Indian company.

No matter where you’re traveling, be sure to purchase travel insurance. It’s always better to be safe than sorry, and you never know when an emergency might occur. If you’re planning a trip to the USA from India, be sure to read this guide to choosing the best travel insurance for your needs.

Healthcare costs in India are much lower than in developed countries, making it a popular destination for medical tourism. However, Indian insurance providers generally do not cover international patients, so it is important to purchase travel insurance before traveling to USA from India.

If you’re an Indian citizen traveling abroad , you should know that your regular health insurance policy probably won’t cover you in the event of a medical emergency.

That’s why it’s a good idea to purchase travel insurance, which will cover medical emergencies as well as other travel-related problems like lost luggage or trip cancellation. There are many different travel insurance plans available, so be sure to compare a few before choosing one that’s right for you.

If you are an Indian origin traveling internationally, it is important to have travel medical insurance in case of any emergencies. Travel medical insurance can help cover the cost of medical treatment and evacuation if you need it while you are traveling.

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• Introduction
• What's included?
• What's not included?

Travel Insurance For USA (United States of America)

The United States of America is all about all things beautiful from blue oceans and beaches, snow-capped peaks and loving cities. This diverse land with beaming light welcomes you with open arms. Its scenic landscapes and enthralling destinations will leave you speechless. When it comes to exploring the countries listed under The United States of America there’s no such place which will not offer the “WOW” factor. Be it a solo trip to Florida, a backpacking trip to Alaska, Family trip to Grand Canyon or a friend’s vacation to Las Vegas, USA offers you exhaustive travelling opportunities. Wandering in and around USA is fun, however travelling without a travel insurance may prove hazardous. Before planning for the perfect trip, look for travel insurance for USA online and choose the best travel plan to insure your trip.

Must Know Before Travelling to USA

Category:  Leisure/ Business/Education 

Currency: US Dollar

Best time to travel: May to September

Visa type for Indians: Pre approved

Must see Places:  Florida, Grand Canyon, Las Vegas, New York & Disney Land.

Travel Insurance for USA: While USA is a tourist-friendly continent, it is important to secure your belongings and travel agenda. Common mishaps such as loss of baggage or flight delays may affect your tour plan drastically; hence getting travel insurance is important for your next U.S.A Tour.

#the above are for information purpose only. Please consult your travel agent or respective embassy before planning your travel

What’s Included? Medical Related Coverage

Emergency medical expenses.

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital Cash - Accident & Illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Baggage-related coverage

Loss of checked-in baggage.

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of checked-in baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft Of Baggage And Its Contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

Journey-related coverage

Flight delay & cancellation.

Flight delays or cancellations may be beyond our control, but we sure can do a little something to help make them less annoying. Our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and conditions.

Loss Of Passport & International Driving License

Losing important documents can leave you stranded in a foreign land. So, we will reimburse you for expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We 'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Leave that to us. Let us take care of it while you recover.subject to policy terms and conditions.

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination. Subject to policy terms and conditions.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India.

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Tips to follow when buying travel insurance for usa, essential things covered by your travel insurance, quarantine coverage in international travel insurance, type of travel insurance in india, all you need to know about travel insurance while flying, 5 reasons why travel insurance is important, what's more, frequently asked questions, 1. how can i get a travel insurance usa plan.

If you are going to the USA, it is advisable to opt for a travel insurance plan since the plan would cover the financial liabilities that you might suffer on the trip. Buying the travel plan for the USA trip is quite simple as HDFC ERGO offers various modes of purchase. Such modes are as follows –

● Offline mode

You can visit the nearest branch office of HDFC ERGO and apply for a travel insurance policy for the USA. You would have to fill up a proposal form and submit it to the company with the premium amount. The company would underwrite the policy and issue it post successful underwriting.

● Online mode

The online mode is a simpler alternative to buying a travel insurance plan for the USA. You can buy the policy instantly through HDFC ERGO’s online website. The process is as follows –

● Visit https://www.hdfcergo.com/travel-insurance and click on ‘Buy Now’

● In the online proposal form, fill in the type of trip that you are undertaking (individual travel, family travel or student travel), the members travelling with you, their respective ages and hit ‘Continue’

● Then specify the country as the USA and enter in your departure and arrival dates

● Click on ‘View Quotes’ to check out the coverage options and the premiums that you would have to pay

● Select the suitable plan and pay the premium online

Once the process is completed, the travel insurance policy would be issued instantly and you would be covered during the trip duration.

2. How much should I pay for travel insurance USA plan?

The premium amount for your travel insurance plan covering the USA depends on a number of factors.

Number of members travelling

● Their age

The premium of a travel insurance plan is directly proportional to age. Premiums are higher for higher ages and vice-versa.

● The sum insured

The premium is directly proportional to the sum insured. Higher sum insured levels would mean higher premiums and vice-versa.

● Trip duration

The longer the trip duration, the higher would be the premium.

As such, once you enter your trip-related details in the online premium calculator, you can find the amount that you would have to pay for buying a travel plan for the USA. For instance, if you and your spouse, aged 36 and 35 years respectively, are travelling for 4 days, the premium would be as follows –

● Silver – Sum insured USD 50,000 – Premium Rs.948 (exclusive of taxes)

● Gold – Sum insured USD 100,000 – Premium Rs.1141 (exclusive of taxes)

● Platinum – Sum insured USD 200,000 – Premium Rs.1339 (exclusive of taxes)

● Titanium – Sum insured USD 500,000 – Premium Rs.1729 (exclusive of taxes).

3. Is it mandatory to buy a medical travel insurance USA plan?

As such, it is not mandatory to buy a medical travel insurance plan when visiting the USA. That being said, the medical expenses in the USA are quite expensive. A simple hospitalization can amount to lakhs and if you undergo any treatment, the medical bills can be considerable. When you are travelling to the USA, you cannot predict medical emergencies. You might fall ill or injure yourself requiring hospitalization. In such situations,the medical bills can blow a hole in your pockets. Your savings might be drained and you might also have to avail of a loan to pay for the expensive treatments taken in the USA. As such, you might suffer considerable financial losses which, in the absence of a medical travel insurance plan, might be distressing.

Besides coverage for emergency hospitalization, HDFC ERGO’s travel insurance plans for the USA provide a host of coverage benefits. You can get covered for loss or delay of checked-in baggage, hospital daily allowance, medical evacuation, medical repatriation, accidental death or disablement, personal liability, emergency assistance, hijack allowance, etc. So, in the case of unforeseen emergencies, the policy provides financial assistance.

Since the USA is an expensive country, buying a travel insurance policy is recommended. At a small and affordable premium, you can get considerable coverage against trip-related contingencies.

4. Is there any free healthcare in the USA?

Healthcare in the USA is a mix of both private and Government-sponsored health programs. There are, thus, paid and free clinics and hospitals. However, the free healthcare facility, sponsored by the Government, is offered to the citizens of the country. Tourists or visitors cannot avail themselves of free healthcare facilities. So, when travelling to the USA, if you suffer from any medical emergency and need assistance, you would have to pay for the same.

When it comes to healthcare facilities, the USA has one of the best treatments and medical technology. However, the facilities do not come cheap. The cost of hospitalization and treatments is quite expensive and can easily amount to lakhs in Indian currency. That is why, when you are travelling to the USA, it is advised to opt for a travel insurance policy.

A travel insurance policy covers medical emergencies and pays for your medical bills. Thus, with a travel plan at your disposal, you would not have to search for or worry about free healthcare facilities on the trip. You can avail of the necessary treatments and the travel insurance plan would cover the costs involved.

HDFC ERGO’s travel insurance plan for the USA covers –

● Emergency medical expenses

● Hospital daily cash allowance

● Emergency medical evacuation and repatriation

● Accidental deaths and disablements

● Repatriation of mortal remains

HDFC ERGO’s travel plan is, thus, quite comprehensive and can allow you to avail of the best healthcare facilities without worrying about the costs involved.

5. Can foreigners buy health insurance in the USA?

Yes, foreigners can buy health insurance in the USA. the country offers a range of health insurance solutions that are available to all.

However, health insurance in the USA is not cheap. It can cost a considerable amount of money. That is why, if you are an Indian citizen and are travelling to the USA as a student or as a visitor, it is recommended that you buy a medical insurance plan in India itself.

HDFC ERGO offers overseas medical insurance plans for Indian citizens travelling to the USA. The policy is a travel insurance policy that covers your trip duration and allows coverage in the case of medical emergencies. If you are hospitalized when travelling to the USA, the policy would pay for the hospital bills. Moreover, coverage for the following is also available under HDFC ERGO travel insurance plans for the USA –

● Medical evacuation and repatriation

● Hospital cash allowance for each day of hospitalization

● Accidental death

● Permanent total disablement suffered in an accident

You can buy HDFC ERGO’s USA travel insurance plan both for personal or business travel. There are three types of plans available –

● Individual travel plan covering a single individual travelling to the USA

● Family travel plan covering the whole family in a single plan

● Student travel plan covering a student travelling to the USA for higher education

Besides health insurance coverage, you can also enjoy a host of other coverage benefits in HDFC ERGO’s travel insurance plan for the USA. There are different plan variants too so that you can choose the coverage that best meets your requirements.

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PET INSURANCE: UIN: HDFC ERGO Paws n Claws - IRDAN146RP0001V01202324 T&C Apply. @1.51 crores+ active customers as on July 2022

Terms and Conditions Applied. © HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. HDFC Ltd. and HDFC Bank merger stands concluded, effective 1st July, 2023. HDFC ERGO General Insurance Company Limited is now a subsidiary of the Bank.

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