international travel insurance from 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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Best Travel Insurance for Visiting the U.S.

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Table of Contents

Travel insurance basics

Best visitors insurance policies, for the lowest price: trawick international, for customizing options: worldtrips, for pre-existing conditions: worldtrips, for highest medical coverage limit: img, other options to consider, the bottom line.

Since health care can be expensive in the U.S., it’s important that visitors have insurance coverage, aka visitors insurance or travel medical insurance, in case something happens that requires medical attention mid-trip.

Whether you have coverage for travel in the U.S. depends on your health care plan in your home country. But if you don't, you'll need to buy a policy from a third-party insurance provider. Several companies sell this kind of visitor insurance, and each company and policy is a bit different. Let’s look at which is best for you.

First, a few basics about visitor insurance. Two kinds are available: travel medical insurance and trip insurance.

Travel medical insurance covers medical expenses that you may incur while traveling internationally, like a visit to the doctor, a trip to the hospital and medical evacuation and repatriation.

Trip insurance usually covers limited medical expenses like emergency care and can compensate you if your trip is delayed, you need to leave the trip early or you have to cancel the trip. It is designed to help you protect the investment you’re making as you prepare to travel.

Standard trip insurance might not cover a visit to the doctor unless it is an emergency.

It’s important to make sure any pre-existing conditions are covered if the visitor has any. Some policies exclude them.

» Learn more: How to find the best travel insurance

With so many kinds of visitors insurance policies, which is the best?

To make comparisons, we got quotes from several companies using Squaremouth , a website to search for different types of travel insurance in one place.

The parameters we set are for a 49-year-old citizen and resident of Spain traveling to the U.S. on May 1-31, 2024.

The quotes don't include cancellation coverage; these examples are for medical coverage only. To get a quote, the hypothetical deposit for the trip was paid on Feb. 15.

Since we’re looking for a policy that will cover medical care for visitors, there are several medical filters to select: emergency medical ($100,000 or more), medical evacuation ($100,000 or more) and coverage for pre-existing medical conditions.

The search came up with nine results ranging in price from $74.40 to $179.18.

The policy with the lowest cost was the Trawick International 's Safe Travels USA Cost Saver at $74.40.

Trawick policies use the FirstHealth PPO network.

The policy as quoted has a $250 deductible and includes $100,000 in emergency medical, $2 million in medical evacuation and $5,000 in interruption coverage. It has limited coverage for pre-existing conditions.

It is possible to change the deductible to as little as $0 or raise it to $5,000.

The same company has another policy, the Trawick International Safe Travels USA Comprehensive policy, that is better at covering pre-existing conditions and costs a little more — $89.59.

The general coverage is the same as the less expensive policy, and the Safe Travels USA Comprehensive option adds coverage for acute onset of a pre-existing condition. it is possible to change the deductible amount to $0 or go up to $5,000.

» Learn more: The best travel credit cards right now

Some policies are sold as is, while others allow some flexibility depending on what is important to you.

The WorldTrips Atlas Premium America policy for $179.18 allows a lot of customization.

It was also the most expensive of the nine policies Squaremouth suggested.

It’s possible to customize the emergency medical coverage and pre-existing condition coverage and medical deductible. The policy also includes $15,000 in trip interruption coverage, the highest of any of the nine policies available.

If the traveler has a pre-existing condition, policies from WorldTrips Atlas America are your best bet. The WorldTrips Atlas America policy in our comparison costs $101.06.

The policy as quoted covers $100,000 in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence of a pre-existing condition.

The deductible is also available for customization from $0 to $5,000.

The PPO network for Atlas America Insurance is United Healthcare.

The WorldTrips Atlas Premium America policy mentioned above is also good for pre-existing condition coverage.

While eight of the nine policies had $100,000 in secondary medical coverage, one had a limit of $2 million.

The IMG Patriot America Platinum policy has a premium of $172.36 along with a high medical evacuation limit of $2 million and interruption coverage of $10,000.

If $2 million in medical coverage is not enough, it’s possible to increase that amount to an $8 million policy limit.

It’s not possible to change the level of coverage for preexisting conditions from the high $1 million limit in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence.

It is possible to change the deductible from $0 all the way up to $25,000.

Our comparison also included policies from two additional companies, Seven Corners and Global Underwriters .

Seven Corners had two policies come up in the results, the Seven Corners Travel Medical Basic for $98.27 and the Seven Corners Travel Medical Choice policy for $136.71. Both of the Seven Corners policies include coverage for hurricane and weather, and the less expensive policy covers acts of terrorism.

Having insurance to cover unexpected medical expenses for anyone visiting the U.S. can be a smart money move.

An illness or accident could cause financial problems for visitors because of potentially having to pay for full health care costs. When planning your travel, be sure to check your current health insurance to find out if it will cover you in the U.S.

For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas Premium America). That’s about $2.42 or $5.81 a day, depending on the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

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Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

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

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance for United States Of America (USA)

One of your top priorities when travelling to the US should be travel insurance for the USA from India.

The United States of America is home to various travel destinations, including some of the most revered historical sites in the world and well-known international landmarks. Visitors need to consider obtaining travel health insurance for the USA, as medical expenses can be quite high in the States.

While visiting the United States of America is on your bucket list, you must protect this special trip with travel insurance for the USA from India.

WHY WOULD YOU NEED TRAVEL INSURANCE FROM INDIA TO USA?

Since there will always be uncertainties, it's crucial to be ready for everything. As a result, consider getting health insurance for travel to the USA. A US travel insurance policy will be useful for encountering any unfavourable conditions. To financially protect your trip against any unfortunate events that could ruin it, investing in online travel health insurance for the USA is advised.

Benefits of Having a USA Travel Insurance Policy from Bajaj Allianz GIC

The essential requirement for travelling is the tranquillity of mind. And that's precisely what Bajaj Allianz’s travel insurance policy for the US provides. The following are a few of the main advantages of our US travel insurance policy: 

• Receive immediate and effective support from anywhere in the US with just one missed call.
• Opt from a variety of US travel insurance policies that are tailored to meet your specific requirements.
• Tailor-made coverage is available for students and senior citizens.
• With quick disbursement of claims, you can take advantage of speedy claims redressal.
• Comprehensive coverage for hospitalisation, trip cancellation, lost baggage, and similar unpredictable events is available when you opt for a Bajaj Allianz General Insurance Company policy.

You Should Know About US Visa and Entry Information

Non-immigrant visas:.

Citizens of India visiting the USA may apply for various visitor insurance in the USA that falls under a non-immigrant visa category. The main categories of non-immigrant US Visas for Indian   nationals are shown below:

B1/B2 Visa:

You should apply for a B1 visa if you temporarily travel to the US for business purposes. However, a B2 visa is more appropriate if your temporary travel is for personal reasons. This visa is intended for travel with certain goals, including tourism, medical treatment, visiting family and friends, etc.

F1 and M1 Student Visa:

Students who have been admitted to colleges or universities can apply for an F1 or M1 student visa to pursue their academic course of study there.

H-1 B Work Visa:

Foreign nationals in the US are eligible for the H1-B visa. This visa, sponsored by the employers, is typically valid for three years and may be extended for an additional three years. With this, non-US nationals are allowed to bring their relatives too.

H-2 B Work Visa:

Employers based in the US must sponsor applicants for an H2-B visa if they are non-US citizens recruited to work in the US.

J-1 & Q-1 Exchange Visitor Visas:

A J-1 visa is available to people as part of exchange programmes approved in advance. Students, business trainees, research scholars, and visitors to official businesses fall under this category of visitors.

Immigrant visas:

People can apply for visas if they want to immigrate there permanently. Typically, an employer or an American permanent resident who is a relative of the applicant must sponsor the aforementioned medical insurance for travel to the USA.

Application Process When Applying for a US Visa

By following the instructions listed here, you can apply for international travel insurance to the United States:

1. Choose your visa type and consult the "Common Non-Immigrant Visas" rules for non-immigrant visas.

2. Fill out Form DS-160 online to request a non-immigrant visa for the US.

3. Pay the application fee for your visa.

4. To book your travel insurance from India appointment, create a profile and save your receipt number.

5. After submitting your online DS-160 form, make an appointment at the US Embassy or Consulate in India within 48 hours.

6. Arrive for your appointment on time, and bring the necessary identification and credentials.

7. Your application will either be approved or rejected by the immigration authorities following the second visa interview.

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

For all tourists travelling to the USA, purchasing travel insurance online is advised.

In addition, there are several other documents required for a passport needed for Indian citizens travelling to the USA, as listed below:

• A valid passport for India (this is valid for at least 6 months from the arrival date).
• A visa that has already been approved.
• A letter outlining your objectives for travelling to the USA.
• Tickets for confirmed travel.
• Prescriptions for certain medications.
• If applicable, Covid-19 coverage for travel insurance for visitors to the USA.
• The names and addresses of the people you will be staying with while visiting the United States.
• Relevant financial documents.
• Proof that you are carrying money to the USA.

Safety and Precautionary Measures to be Undertaken When Travelling to the USA

• Always keep your passport secure, including documents of your online travel insurance for the USA.
• Guard your possessions, especially in crowded areas and popular tourist destinations.
• Observe the rules and laws of the nation.
• Don't engage in any illegal activities.
• To protect your finances from any unforeseen situations, pick from the best travel insurance for the USA.

Important Information to Know: Indian Embassy in the USA

The following address is where you can find the Indian Embassy in case of issues with travel insurance for the USA from India:

Chancery-I, 2107 Massachusetts Avenue, NW, Washington, D.C.

Current Ambassador: Ambassador Taranjit Singh Sandhu

Hours of work: 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:

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]

Which are the International Airports in the USA?

There are many major international airports in the US, as follows:

• John F Kennedy Airport, New York City (JFK)
• Washington Dulles 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 for Carrying When Travelling to the USA

The United States Dollar (USD), commonly known as the US Dollar and symbolised by the $ sign, is the official currency of the United States of America. Having enough USD before beginning your travel to the USA is important.

Daily fluctuations can be seen in the United States Dollar ($) value relative to the Indian Rupee (₹). So, before travelling to the USA, keeping an eye on the current currency rate is crucial. To know the current exchange rates, visit the Reserve Bank of India’s official website. 

Tourist Places You Can Visit in the USA

Here are a few places in the United States you absolutely must visit. But, for a safe and secure trip, purchasing the best travel insurance for the USA is recommended.

New York City

No trip to the US is complete without a stop in New York City. The ‘Big Apple’, regarded as one of the epicentres of contemporary civilisation and innovation, is home to some of the world's most recognisable landmarks, including the Empire State Building, the Statue of Liberty, Broadway, and the legendary Times Square.

Washington D.C.

The White House, the Smithsonian Institution, U.S. Capitol, and the Lincoln Memorial are all located in Washington, D.C., the nation's capital. Washington, D.C., is also a major financial and cultural hub.

Los Angeles

Los Angeles, sometimes known as the "City of Angels", is a major cultural and filmmaking centre and the home of Beverly Hills and Hollywood. Safety on your trip is paramount, so purchasing travel insurance for visitors to the USA is recommended.

Which is the Best Time to Visit the USA?

March to May (Spring) or late September to October (Autumn) is the best time to visit the US. The ideal time to travel is in the Spring because most areas of the country have mild and comfortable temperatures.

When you visit the USA, protect your overseas trip with travel insurance online.

You can choose the finest travel insurance in India for yourself from our extensive selection of travel insurance options.

Frequently Asked Questions

Is it mandatory to have travel insurance for the usa.

No, foreign nationals are not required to obtain travel insurance to visit the US, according to the US Immigrant Department's visa regulations. However, to protect themselves from any misfortune resulting in monetary losses, all foreign visitors must purchase a travel insurance plan for the USA.

How much does travel insurance to the USA cost?

Your choice of sum assured and the country you purchase travel insurance coverage for will affect how much your travel insurance plan for Europe will cost. If your family will be travelling with you to Europe, getting a high sum assured to have enough insurance coverage for everyone is best. 

How can I buy USA travel insurance USA Online?

Individuals can purchase the best travel insurance from India to the USA online by visiting the insurance company's official website.

After choosing a plan, the traveller must complete a proposal form and pay the visa fees online to purchase travel health insurance for the USA.

TRAVEL INSURANCE FOR POPULAR COUNTRIES

Visa guide for popular countries, travel insurance related articles.

Planning for a Business Trip? Here’s All That You Need To Know About Corporate Travel Insurance

Find Out How Does Trip Cancellation Insurance Work?

10 Surreal Places to Enjoy a Magical Winter Experience in the United Kingdom (UK)

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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.

Other related articles

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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Home > Blog > Travel > Insurance > Travel Insurance for USA from India: A Complete Guide

Travel Insurance to the USA from India: A Complete Guide

30sec Snapshot

Travel insurance for the USA offers a safety net against unforeseen incidents, encompassing medical costs, trip disruptions, and misplaced luggage. It grants travellers peace of mind by guaranteeing support in emergencies and unanticipated situations while in the United States. Policies can differ, so it’s crucial to examine the specifics of coverage, such as medical evacuation, trip interruptions, and policy limitations.

Also, read more on the requirements for a USA student visa.

Scenarios Where Travel Insurance Would've Benefited

Just imagine…

Scenario 1: While travelling in the USA, you experience severe abdominal pain and are rushed to the nearest hospital. The medical expenses for the emergency surgery and subsequent hospital stay were exorbitant, causing financial strain on you.

Scenario 2: You are on a business trip to the USA and encounter unexpected flight cancellations due to adverse weather conditions. Due to this, you had to purchase new flight tickets at short notice, incurring substantial additional expenses and disrupting his travel budget.

Scenario 3: You arrive in the USA only to discover her checked baggage hasn’t arrived. As your belongings included essential items and valuables, you had to incur additional costs to replace your lost items, causing inconvenience and unexpected expenses.

Key Benefits of Travel Insurance to the USA from India

So, why is travel insurance important ? Though it is not mandatory, your future self will thank you for choosing this in case of major emergencies. Here are some benefits of travel insurance:

Factors to Consider When Investing in USA Travel Insurance

Now that you have understood the purpose of travel insurance let us get to the factors that can help you select the best US visitor insurance from India for your trip. 

1. Trip duration

It is essential to assess the duration of your visit to the USA, as specific travel insurances for USA trips have limitations regarding your travel length. Additionally, ask the provider about how long the travel insurance is valid.

2. Destination

When determining the destinations you intend to travel to in the United States, it is essential to consider that some regions may pose elevated risks, such as increased susceptibility to natural disasters or political turbulence. As a result, it may be prudent to obtain extra coverage.

3. Activities planned

For individuals with planned adventurous activities such as skiing or extreme sports, their policy must include appropriate coverage. Get insurance that has flexible travel insurance validity for better benefits.

4. Medical Conditions

Hospitalisation, emergency medical expenses, repatriation.

Note: Many travel insurance policies categorise global coverage into two distinct areas: “USA and Canada” on one hand and “Rest of the world” on the other. This distinction is primarily driven by the exceptionally high cost of medical treatment in both the United States and Canada, thereby rendering even minor hospital visits financially burdensome. This particularly resonates with the situation faced by an average Indian traveller.

In a Nutshell

• Trip Duration: Check policy limitations on travel duration.
• Destination: Assess risks and add extra coverage if needed.
• Activities: Ensure coverage of adventurous activities.
• Medical Conditions: Disclose pre-existing conditions and secure medical coverage.
• Budget: Explore affordable options for travel insurance.

How to Choose the Right Policy?

Here’s a step-by-step guide on how to buy the right travel insurance for the USA:

Step 1: Assess Your Needs

• Determine the purpose of your trip and the specific activities you plan to engage in.
• Calculate the potential expenses you want covered, such as medical emergencies, trip cancellations, and lost baggage.
• Consider the duration of your stay in the USA and whether you need coverage for any pre-trip or post-trip extensions.
• If you have pre-existing medical conditions, take note of them and assess whether the insurance should cover them.

Step 2: Research and Compare Policies

• Explore various travel insurance providers and their policies. Check with reputable insurance companies.
• Read and compare the terms and conditions, coverage limits, and exclusions of different policies.
• Pay attention to policy inclusions, such as medical coverage, trip interruption, and emergency assistance services.
• Consider any additional benefits that may be relevant to your trip, such as coverage for lost travel documents or personal liability.
• Assess the cost of the policies and compare them against your budget.

Step 3: Make an Informed Choice

• Choose a policy that aligns with your needs, offering adequate coverage for potential risks.
• Ensure the policy complies with visa requirements, if applicable, and review the claim process.
• Select the appropriate coverage type, whether it’s for an individual, family, or group.
• Contact the insurance provider or use their online platform to purchase the chosen policy.
• Keep a copy of your insurance policy and emergency contact information for easy access during your trip.

5 Best Indian Travel Insurances for USA

In no specific order, here are some reputed insurance companies offering USA travel insurance from India. Their policies provide the best travel insurance USA-bound tourists can find.

• Care Insurance International Travel 
• ICICI LOMBARD
• Tata AIG Travel Guard
• Go Digit Insurance
• Universal Sompo Travel Worldwide

Don’t leave your USA trip to chance. Safeguard your journey with travel insurance.

How to Make an Insurance Claim

Step 1: review your policy.

Begin by carefully reviewing your insurance policy. This step is crucial to understand the coverage details, limitations, and the specific circumstances under which you can make a claim. Different insurance policies may cover different aspects, so knowing your policy’s terms is fundamental.

Step 2: Notify Your Insurance Provider

In the event of an incident that requires an insurance claim, promptly notify your insurance provider. Many policies have specific timeframes within which you must report the incident to be eligible for a claim. Ensure that you provide them with all relevant information, including the date, time, location, and a description of the incident.

Step 3: Gather Claim-Related Documentation

Collect all relevant documents and evidence related to the incident that led to the claim. This may include police reports, photographs, medical records, repair estimates, or any other pertinent documentation. Thoroughly documenting the incident strengthens your claim.

Step 4: Complete Claim Forms

Your insurance provider will likely require you to complete specific claim forms. These forms typically require you to provide detailed information about the incident, your personal details, and the extent of your loss or damage.

Step 5: Submit Documentation and Forms

Compile the gathered documentation and the completed claim forms and submit them to your insurance company. Ensure that all the information is accurate and comprehensive to facilitate the processing of your claim.

Step 6: Wait for Claim Assessment

After you have submitted your claim, the insurance company will conduct a thorough assessment. This may involve evaluating the documents, conducting interviews, or consulting with experts to determine the validity of the claim.

Step 7: Claim Approval or Denial

The insurance company will inform you of the status of your claim. If approved, you will receive details about the settlement or reimbursement. In the event of a denial, you will be provided with reasons for the decision.

Step 8: Follow Up and Inquire>

If you have questions or need further clarification regarding your claim, don’t hesitate to follow up with your insurance provider. Effective communication can help resolve any issues or concerns that may arise during the process.

Step 9: Maintain records of all claim-related documents for your records.

It’s crucial to keep copies of all documents related to your claim for your personal records. This includes all correspondence with your insurance provider, claim forms, and any other relevant paperwork. These records can be valuable for reference and documentation in the future, if necessary.

Key Takeaways

Frequently Asked Questions

Travel medical insurance for USA is essential for parents visiting from India due to the high cost of healthcare and the increased likelihood of older travellers needing medical treatment.

Yes, you can purchase travel insurance for the USA even if you are already in the country. While it’s often recommended to obtain travel insurance before your trip begins, some insurance providers may offer coverage to individuals who are already in the USA. 

If you’re considering when to buy travel insurance for a USA trip , the simple answer is “as early as you can.” Ideally, you’ll purchase coverage 15 days before your trip to protect you from unfortunate events. There are many options to choose from and also the availability of cheap travel insurance for the USA.  

The USA travel insurance cost will be influenced by several factors, such as the length of the trip, the age of the traveller, the number of travellers, and the coverage options selected. 

While travel insurance for a USA trip is not mandatory for visiting the United States, it is entirely up to the individual to decide whether or not to obtain coverage. Even if not mandated, it is strongly recommended for travellers to secure a suitable travel insurance plan when exploring the United States.

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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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Key Benefits:

• Medical Sum Insured - $500,000
• Personal Accident - $30,000
• Personal Liability - $250,000
• Medical Sum Insured - $250,000
• Personal Accident - $25,000
• Personal Liability - $200,000
• Medical Sum Insured - $100,000
• Personal Accident - $20,000
• Personal Liability - $100,000
• Medical Sum Insured - $30,000
• Covers Loss of Passport & checked baggage
• Covers trip delay
• Medical Sum Insured - $25,000
• Covers loss of passport & checked baggage
• Covers Loss of passport & checked baggage
• Daily Hospitalisation Allowance
• Medical Sum Insured - $50,000
• Personal Accident - $15,000
• Compassionate visit
• Medical Sum Insured - €30,000
• Personal Accident - €10,000
• Medical Sum Insured - €50,000
• Personal Accident - €15,000
• Personal Liability - $50,000
• Personal Liability - $150,000 & more ...
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Travel Insurance for America and Canada

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​​​​The USA and Canada are one of the most affluent nations in the world. Both the countries have amazing places, both natural and contrived, that are a visual treat. Whether a business trip, vacation, family function or an academic pursuit; you are sure to have a great time there!

​Reliance’s USA & Canada Travel Insurance policy offers the best travel insurance coverage for the USA that ensures a worry-free trip. With this travel plan, you can enjoy some of the best tourist attractions these countries have to offer. The kids go crazy over places such as Disneyland, Legoland or the Wizarding World of Harry Potter. For youngsters, there is Las Vegas and Wisconsin Dell- the water park capital of the world. For families, there are places such as Statue of Liberty, Niagara Falls, The White House, Mount Rushmore National Memorial, CN Tower and so on.  In the form of Grand Canyon, a grand spectacle awaits, that is one of the Natural Seven Wonders of the World along with the Northern Lights.

Key features of the USA & Canada travel plan:

• Sum Insured up to USD 500,000
• Loss of passport cover
• Cover for loss or delay of checked-in baggage
• Cover for trip cancellations or interruptions
• Medical emergency cover
• Daily cash allowance in case of hospitalisation
• ​ Customized policies for USA and Canada starting at exciting prices
• No medical check-ups till the age of 70 years
• Coverage for lengthy trips that can extend up to 365 days
• The convenience of Cashless hospitalization worldwide
• Coverage for loss of passports, baggage etc
• Cover for missed flights, or delayed or cancelled trips
• Convenient and Instant claim settlement
• Quick and Easy policy booking online (or by calling us on our Toll free no. @ 18003009 )
• Schengen Travel Insurance
• Asia Travel Insurance
• United Kingdom Travel Insurance
• South America Travel Insurance
• Middle East Travel Insurance
• South Africa Travel Insurance
• Australia Travel Insurance​ ​

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What is travel insurance?

Travel insurance safeguards you financially from various unpleasant situations that may arise during your trip. The plan covers you whether you are heading overseas for a holiday, business meeting or education.

Some of the key travel insurance benefits include emergency evacuation, medical expenses coverage due to COVID-19, medical emergency assistance, trip cancellation cover and lost or delayed baggage coverage.

Features of ICICI Lombard's travel insurance

No medical check-up.

Need to fly abroad for an urgent business meeting but your insurer is delaying travel insurance owing to pending medical screening? If so, get an instant travel insurance quote with us without having to undergo a medical examination.

Trip cancellation & interruption cover

In case you are cancelling your trip due to a valid reason, we will reimburse you for the cancelled flight ticket.

Loss of passport

In case your passport is lost or stolen, our travel insurance will cover the cost of replacing the original passport.

Personal liability cover

If you damage someone's property or they suffer bodily injury because of an accident involving you on your trip, we will cover the legal liabilities.

Reimbursement of non-refundable prepaid payments

Reimbursement of the non-refundable prepaid payments, for the trip being cancelled or interrupted due to medical problems, acts of terrorism or natural disasters.

Advantages of buying ICICI Lombard's travel insurance policy

Medical benefits.

When you secure your trip online from us, we cover medical evacuation, personal accident, hospitalisation and repatriation of remains.

Travel benefits

Under this, we cover trip cancellation, delayed and missed connecting flights.

Luggage benefits

We compensate you for the loss incurred when your luggage is delayed at the airport or if you lose it on your trip.

Other benefits

Some of the other benefits include compassionate visit, emergency cash arrangement, loss of passport cover and personal liability.

24×7 assistance

If you are stuck in an unfavourable situation abroad, we are just a call away. You can call our toll-free number 18002666 at any hour and we’ll try to help you out.

Trip cancellation and interruption

If you have to cancel your trip due to a medical condition or medical emergency in your family our one trip holiday insurance for your single trip takes care of your losses that arise due to the trip cancellation.

Burglary cover for home contents

Our travel insurance also covers your home against burglary while you are away making memories on your international trip.

What’s covered under ICICI Lombard's travel insurance?

Hospitalisation.

In case you fall ill during your trip to an overseas destination, we will reimburse your medical expenses up to the sum insured specified in your policy document.

Lost and delayed baggage

In case of lost or delayed baggage, we will cover the cost of essentials such as toiletries, medicines etc and pay you a fixed lump sum amount.

Third party liability

If a third party suffers property or bodily injury because of your involvement in an accident while on vacation, we will cover the legal liabilities in case you need it.

Emergency cash

If you all your cash is stolen, we will arrange emergency cash for you.

Our policy will be void if you sustain an injury while participating in adventure sports

Our policy will not apply in situations where the claim has arisen due to loss of valuables and money

When you buy travel insurance plans, keep in mind that pre-existing illnesses are not covered unless they are life-threatening

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy

Illness caused due to addiction to alcohol, drugs

Illness such as anxiety, depression

Sickness due to venereal diseases

Sickness caused due to radiation, nuclear weapons & more

Injuries caused due to adventure & other sporting activities

Expenses arising out of loss of valuables, money, securities and tickets

Naturopathy treatment, ayurvedic / homeopathic therapies

Treatment relating to removal of physical flaws - cosmetic or plastic surgery

Costs incurred relating to rest or recuperation at a spa or health resort

Policy documents:

Why should you purchase an online travel insurance plan.

Given the COVID-19 pandemic and the hectic work life, purchasing travel insurance online is a preferred choice these days. You can insure your trip the same way you book your flight tickets and hotel, from the comfort of your home. When you buy travel insurance online-

• You can compare several travel insurance plans available with us.
• You save on the premium.
• You get instant coverage and a get the policy copy of your insurance in your email.

Types of travel insurance plans in India

Single trip travel insurance.

As the name implies, this policy covers a single international trip. Such a policy is valid until the conclusion of your trip, or say, until you return to your home country.

Multi-trip travel insurance

If you travel frequently, you probably don't want to waste time and effort buying insurance for each trip. Considering this, we have come up with a multi-trip policy. The policy is valid for 365 days and you can take as many trips as you want during this period. It is a comprehensive policy that covers on-trip medical expenses, lost baggage, missed connecting flights, compassionate visit, etc.

Schengen travel insurance

The Schengen countries are a group of 26 Central European countries. If you are considering a vacation to a Schengen country, you must first acquire Schengen travel insurance. The policy protects you financially in the event of an emergency.

Student travel insurance

Nowadays, many youngsters aspire to complete their higher education in another country. Given this, we have come up with student travel insurance. The policy covers medical evacuation, study interruption, and sponsor protection.

Does ICICI Lombard's travel insurance plan cover COVID-19?

Yes, ICICI Lombard travel insurance covers COVID-19. The benefits under this cover include:

• We pay for your in-patient and out-patient hospitalisation expenses for hospitalisation due to COVID-19.
• We cover your trip cancellation if your immediate family member is hospitalised due to COVID-19.
• We compensate your lodging or boarding expenses due to trip extension if you contracted COVID-19 on your trip.
• We provide you with daily hospital cash allowance for your COVID-19 hospitalisation abroad

Eligibility criteria for travel insurance plans

Travel insurance policy can be purchased separately by an individual or can be bought for an entire family as a family travel plan. To choose an ideal plan, you must first compare travel insurance plans offered by us and the eligibility criteria for them. ICICI Lombard offers two travel insurance plans Gold and Platinum with SI 50,000$ and 100000$ respectively.

How to buy a travel insurance policy online?

Do you wish to secure your trip online before going out on a vacation abroad? If yes, here is how you can get an instant cover with ICICI Lombard.

Share your basic information and your contact details here and get an instant quote.

Pick the ideal plan that suits your needs.

Pay online using our secure payment gateway.

Get instant cover for your trip abroad.

Additional coverage under travel insurance plans

Repatriation of remains.

In an unfortunate event, if the insured person dies on the trip to an overseas nation, we will reimburse the nominee for the costs of transporting the deceased insured's remains back to his home country.

Hospital daily cash allowance

If the insured person sustains an injury or illness while on a trip, we will provide the insured with a daily allowance up to the amount prescribed in the policy document. However, to avail of the daily allowance benefit, the hospitalisation should be over two consecutive days.

Countries that need an international travel insurance policy

• There are around 34 countries that have made travel insurance compulsory for visiting their country.
• If you are planning a trip to the USA, you should first buy a travel insurance policy before making any reservations.
• If you are considering a trip to the Schengen countries, keep in mind that the 26 countries in Central Europe that make up the Schengen zone have made travel insurance mandatory for tourists.
• Some of the other countries where travel insurance is mandatory are Cuba, the UAE, Russia, Turkey, Qatar, Antarctica, and Ecuador.

How to calculate travel insurance premiums online?

Just like any other insurance policy, knowing your premium ahead of time not only allows you to compare plans but also helps you in saving a significant amount on your premium. To determine your premium online, you must use an online travel insurance premium calculator. To use this tool, you will need to enter information such as your age, destination, number of travellers and trip duration.

Tips to lower your travel insurance premium

If you are fond of exploring new places across the globe, a multi-trip policy can help you save on insurance premium.

When you buy travel insurance online, evaluate and compare the various plans as per your needs and budget.

Claim procedure for travel insurance policies

Even if you have the best travel insurance policy, dealing with unpleasant incidents on your trip might be difficult if you are unaware of the claim procedure. To initiate a claim during an emergency on your trip, you will first need to inform us over the call or via an email. Post intimation, you will have to provide the supporting documents related to your claim. Following your submission, we will evaluate the details and the documents and come back on your claim.

Things to consider while buying travel insurance online

When purchasing travel insurance online, keep the purpose of your trip in mind. Fill in your details and compare travel insurance plans to select an appropriate one from those we offer. If you travel frequently, a multi-trip policy would be excellent for you.

Before securing your trip, plan how you want to spend your holiday; this will help you determine the scope of your policy's coverage.

Health comes first, but falling sick should come last while on your trip. But if you still end up being unwell on your trip, it’ll help to have a travel insurance covering your medical expenses in a foreign land.

Check and compare the claim settlement ratio of various insurers when you buy travel insurance online.

When securing your trip, check the swiftness of the insurer's claim settlement process.

Frequently asked questions about COVID-19 for international travel insurance claims

How many times can we extend the policy, how can i cancel my travel insurance policy, do i get a grace period for my travel insurance policy, can i buy travel insurance after leaving the country, will pre-existing diseases be covered under my travel insurance policy, can i get travel insurance cover if my trip has already started, is it possible for me to claim covid-19 related hospitalisation expenses while on my trip abroad, if i cancel my trip due to covid-19, will i be compensated for the loss incurred as a result of trip cancellation, i have both health and single trip travel insurance; will the covid-19 claim will be applicable in both cases, reviews and ratings.

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Ashish Agarwal

ICICI Lombard’s salesperson was very good at his job. He was well aware of the benefits of the travel insurance plan such as emergency hotel extension and coverage against total loss of checked-in baggage. He answered all my queries, and overall, gave me good service. Thanks for your support which helped me to buy insurance without any hassle.

Your salesperson assisted me in the purchase of my travel insurance policy. She was extremely helpful, and patiently guided me through the process. She also clearly explained the policy inclusions like coverage against total loss of checked-in baggage, and exclusions. This helped me to make an informed choice. I will definitely recommend ICICI Lombard to my other friends too. Thank you.

Shoubhik Chakraborty

I wanted to buy travel insurance for my upcoming visit to Spain. ICICI Lombard’s salesperson helped me to buy a policy that was suitable for my visa requirements and for my personal insurance needs too. Overall, I’m very satisfied with her assistance. Many thanks for suggesting the perfect travel insurance plan to me.

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I’d been surfing the Internet for travel insurance. Imagine my surprise when within a few seconds of applying for a quote, I got a call from your agent. She was polite and had good command over English. She helped me to understand the policy benefits and purchase procedure, and waited patiently when I told her that I’ll get back with my response in a day.

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Your agent helped me to purchase an international travel insurance policy. He was very clear and crisp in his communication. He was also very patient and supportive, and did a good job of helping me set my ICICI Lombard insurance profile right. I would rate him 9 out of 10.

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I am impressed with the assistance I received from your insurance executive. He was very helpful and patient throughout the purchase of my travel insurance policy. In fact, I would describe him as one of the best executives I have spoken with so far.

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Travel Medical Insurance

Travel Medical Insurance, more commonly known as travel health insurance, is meant to protect the policyholder when they are travelling abroad for any purpose. Travel health insurance is useful not only for medical emergencies where one may have to get medical help or be hospitalised but also during emergency evacuations or withdrawals overseas. Globally, travel medical insurance is also known as worldwide medical insurance, international medical insurance, or international travel insurance.

What is Travel Medical Insurance

Medical contingencies are never pleasant, no matter where you are. But when you are travelling, any emergency that calls for medical attention or hospitalisation can be even more stressful than at home. This is where medical travel insurance plays an important role in protecting you against any medical emergencies when you are travelling.

Medical travel insurance is a type of travel insurance policy that provides coverage to you in case you are hospitalised due to an illness or accident while on a trip. Without this insurance policy, the medical expenses abroad can be quite high. In such a situation, travel health insurance is a useful plan that provides financial coverage and the ease of availing of medical services during your travels.

You need not necessarily be on a business trip to have medical travel insurance; you should have this cover even if you are on vacation. The policy is meant to make medical services easily available to you without the stress of extensive medical bills in case of an accidental injury or illness during your travels.

Why Do You Need Travel Health Insurance?

Travelling abroad can often be a huge expense in itself, but you may not be able to avoid going on the trip. During your trip, any additional expenses can be a huge financial burden. Hence, here are some crucial scenarios that explain why you need travel health insurance when travelling abroad:

Coverage for illness and sickness : If and when you are diagnosed with a COVID-19 infection during the course of your trip and need to be hospitalised, the medical expenses incurred by you will be covered under the accident and sickness medical coverage feature. Apart from that, if you fall sick, face a medical emergency or meet with an accident that needs you to be hospitalised, these expenses will also be covered. Moreover, if the policy expires during your stay in the hospital, you will be covered until the next 60 days or till the time you are discharged, whichever is sooner.

If you lose your passport or baggage : Losing your baggage or misplacing your passport during a trip is not unheard of. However, travel health insurance can help ease out the mental stress and the financial loss in such a situation. In case of a lost passport, the insurance coverage will compensate the cost for a duplicate or new passport, while some important personal items from your lost baggage can be reimbursed monetarily.

Emergency medical evacuation : Travel insurance can be beneficial if you need to be moved to a hospital when travelling abroad. Not just that, if you need to come back to India for further medical treatment, this too can be covered by your travel health insurance.

Cancellation or delay of flight : A delay or cancellation of your flight can be due to bad weather, some problems with the airline, or any other unforeseen reason. Your travel health insurance policy will reimburse these losses. Also, if you have to cancel your flight due to a family emergency, the cost of the ticket and accommodation booked in advance will be reimbursed by the coverage.

Features of International Travel Health Insurance in India

Travel health insurance plans are very flexible and offer extensive coverage as per your needs. Below are a few salient features that are found in travel health insurance plans in India:

Access to cashless hospitalisation facility : If you are protected by travel health insurance in India and face a medical emergency due to which you need to be hospitalised, you do not have to worry about paying for the expenses from your own pocket. The insurance plan will provide a cashless hospitalisation facility, wherein the medical expenses will be settled by the insurance cover directly with the hospital.

Available for occasional or frequent travellers : A lot of travel health insurance plans can be customised to meet the needs of occasional and frequent travellers alike. Tata AIG’s domestic travel insurance policies are flexible and provide coverage for single trips for occasional travellers as well as multiple trips for regular travellers.

All-day medical assistance : Irrespective of where you are travelling, the insurance policy ensures that you can be covered for 24/7 medical assistance in case such a medical emergency arises.

Types of International Medical Travel Insurance

Travel health insurance can vary according to your needs and your duration of travel. Hence, you can choose from the two types of travel health insurance plans so that you receive adequate coverage on your trip!

Single Trip Travel Health Insurance : If you are making a single trip to another country and need insurance cover for only that trip, then it is referred to as a single trip travel health insurance. The coverage of this type of insurance starts with the trip and ends once you come home.

Multi-trip Travel Health Insurance : A multi-trip travel health insurance is a policy that is generally taken for a year and provides insurance for multiple trips. However, there is a limit on the number of days for each of the trips and can go up to 30 or 45 days.

Family Travel Health Insurance : Our family travel health insurance covers up to 6 family members per policy. Whether you choose a domestic travel insurance policy or an international travel insurance policy, you and your family can be covered under the same plan.

Student Travel Health Insurance : Students travelling abroad for further education can look at Tata AIG's Student Travel Insurance policy. Apart from medical emergencies and illnesses leading to hospitalisation, this plan also covers tuition fees in case of medical emergencies as well as compassionate visits from family members.

Senior Citizen Health Insurance : A senior citizen travel health insurance plan is designed to look after the needs of senior citizens who are travelling abroad. Not only do these policies cover emergency medical expenses, but they also cover emergency medical evacuation and repatriation of remains. For more information, Check Tata AIG's Senior Travel Insurance Plan

Why Choose Tata AIG Travel Medical Insurance?

Tata AIG’s travel health insurance plans are made to offer adequate coverage and convenience when you are on your travels:

Coverage for COVID-19 : If you are travelling abroad and are diagnosed with COVID 19 during your trip, resulting in hospitalisation, the medical expenses will be covered as per the amount in the policy. The policy also reimburses the bookings or tickets unused due to the cancellation or interruption of your trip. Lastly, if an emergency COVID-19 lockdown is imposed in the other country and you are unable to access any transport for your return, your travel health insurance is automatically extended for another 7 days.

Personal accident cover in case of death/permanent disability during the time of travel : If you are injured as a result of an accident during your travels, our travel and medical insurance policy will cover the expenses of personal injuries as well as medical expenses arising out of the injuries. The policy also covers disablement or even death as a result of these accidental injuries.

Affordable international coverage : Our international travel health insurance plans provide coverage against medical emergencies and more for a premium of as much as ₹40.82 per day. Quick and easy policy purchase: You can easily buy a Tata AIG travel medical insurance plan online in a few easy steps. Avoid the hassle of a medical check-up or present loads of paperwork to get insurance coverage during your travels!

Coverage of Travel Health Insurance

An international travel health insurance policy provides coverage to you in the following situations

Medical Illness Treatment : Our travel insurance covers emergency medical expenses. In case of sickness or a contingency that requires hospitalisation, medical attention, or treatment, you will be protected against the losses.

Accidental Death and Dismemberment : Our travel medical insurance plans also offer coverage for situations where you may be affected by injuries while abroad. These injuries or even your death could be a result of a personal accident or if you’re travelling by a mode of transport that meets with an accident.

Emergency Dental Treatment : If you suffer from a dental emergency while on a trip, the treatment is covered under the travel health insurance policy.

Delay or Loss of Check-in Luggage : Your insurance policy will cover the loss of baggage, caused either due to theft, displacement by the mode of transport, or the non-delivery at the destination.

Flight Delays : Any expenses that you may have to incur due to the flight’s delay of more than 12 hours will be compensated by the policy.

Personal Liability : If there is a damage claim legally filed against you by another party for damage to their property or any medical expenses due to accidental bodily injuries, then the travel medical insurance policy can cover these losses.

Exclusion of Travel Health Insurance

When you purchase medical travel insurance online, be sure to read the list of exclusions so that you are not stranded in a difficult situation while travelling:

Travelling against medical counsel : If you travel abroad against the advice of your doctor or before the prescribed waiting period is over, the insurance policy cannot cover the medical emergency arising out of this situation.

Pre-existing illnesses : Any complications arising out of a pre-existing medical condition cannot be covered by the travel health insurance policy. However, in case of a life threatening situation arising from a pre-existing condition, the travel health insurance coverage is capped at $1500.

Consumption of intoxicants : If you face a medical emergency due to the consumption of intoxicants or medication that is not prescribed by a physician, then the insurance policy cannot protect you during this emergency.

War or Civil Unrest : The travel insurance plan cannot protect you from losses arising out of wars, civil unrest, invasion, and other such hostilities.

Sexually Transmitted Diseases : Our travel health insurance policies do not cover Sexually Transmitted Diseases such as HIV/AIDS.

Injuries from intentional self-harm : Any attempt at self-harm leading to injuries cannot be under travel medical insurance.

Alternative treatments : If you choose to get treatment through Ayurveda, Unani or other alternative treatments, then the insurance policy cannot cover these costs.

Adventure sports : Your travel health insurance may not cover accidents or injuries that have occurred due to an attempt at extreme or dangerous adventure sports.

Mental illnesses : Any therapy or treatment for a mental illness such as depression, anxiety, etc., during the trip cannot be covered under the policy.

Overseas Travel Medical Insurance Coverage for Coronavirus (COVID-19)

Tata AIG’s international travel plans offer COVID 19 coverage, which can protect you in the following scenarios:

Medical Expenses due to Accidents & Sickness : You can be easily covered for COVID 19 emergencies under our international travel medical insurance plans. If you are affected by COVID 19 during a trip outside the country and need to be hospitalised for the same, the medical expenses will be covered under the plan. However, there is a limit on the amount for the coverage in the policy.

Trip Cancellation Coverage : If you are covered by a group travel medical insurance, and in case your trip or that of your travel companion or an immediate family member has to be cancelled before commencement due to a COVID-19 infection, the coverage reimburses the non-refundable and the unused amount of the hotel bookings, tickets, etc. But do note that these expenses will only be reimbursed if the bookings were made prior to being diagnosed with COVID-19.

Trip Curtailment/Interruption Benefits : If you have a group travel medical insurance and you, your family, or your travel companion are diagnosed with a COVID 19 infection due to which the trip has to be curtailed or cut short, the insurance cover will reimburse the remaining expenses of the unused bookings and tickets. Even the non-refundable expenses, additional travel, and accommodation will be reimbursed due to curtailment of the trip but is subject to the policy’s sum insured limit.

Automatic Extension Benefit : If you are covered by our international travel medical insurance, then in case of a lockdown in the other country and due to the non-availability of an alternate mode of transport, your policy will be automatically extended by 7 days. However, it is important to understand any terms and conditions under which this feature can come into effect.

Eligibility Criteria for Travel Medical Insurance Policy in India

Depending on the travel policy you choose, you will need to meet certain eligibility criteria to be able to avail of the policy:

In the case of a student travel insurance policy, you will have to be a student between the age of 16 - 35 years, travelling abroad for higher education.

International as well as domestic travel insurance plans are quite flexible and can cover up to 6 family members, including you. The age limit for a family member starts from 6 months of age with no upper age limit.

If you are travelling with non-family members or friends, each person will have to have individual travel insurance.

A senior citizen travel insurance policy is applicable for senior citizens starting from 71 years of age with no upper age limit. There are no restrictions such as medical tests or pre-existing conditions.

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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Why senior citizens travel insurance is must, 1. what does travel health insurance cover.

Tata AIG’s travel health insurance covers emergencies such as sickness and accidents, medical travel assistance or monetary support in case of loss of passport, loss or delay of baggage, personal liability where another individual is hurt and needs medical attention, a hijack cover with a distress allowance, extension of insurance cover.

2. What is the cheapest travel health insurance?

It is important to choose travel health insurance with adequate coverage instead of going for cheap rates resulting in low coverage. With the help of Tata AIG’s international travel insurance calculator, you can get a suitable plan which also provides a COVID-19 cover. The insurance coverage rates are as reasonable as ₹40.82/- per day for international insurance policies and ₹26 for our domestic insurance policies.

3. Which insurance is best for travel?

This will depend if you are travelling within the country, going abroad, travelling solo or with your family. Accordingly, you can choose a domestic or international travel insurance plan. At Tata AIG, we offer different travel insurance plans, such as –

• Domestic Travel Insurance
• International Travel Insurance
• Student Travel Insurance
• Senior Citizen Travel Insurance

Each of these travel insurance plans offers different types of coverage in terms of medical, travel, and baggage emergencies. You can visit our website to easily compare and choose the type of insurance you are looking for.

4. Can you buy just medical travel insurance?

Yes, you can buy only medical travel insurance when you are travelling abroad and want to be protected against medical emergencies. However, a lot of travel health insurance plans also offer protection against other emergencies such as loss of passport or loss or delay of baggage, etc. Therefore, you can also choose from such travel medical insurance policies, which provide more extensive coverage.

5. Does travel insurance cover Covid 19?

Yes, Tata AIG’s travel insurance plans cover COVID-19. However, this benefit is applicable only for international travel.

6. Does family travel insurance cover individuals?

Our travel insurance plans are easily customisable, and you can choose how many family members you would like to include under one plan. If you are travelling on your own, then you can get an affordable travel insurance plan for yourself, at a premium rate of ₹40.82 per day!

7. How much does a travel medical insurance cost?

The cost of your travel medical insurance will depend on factors such as –

• The purpose of your travel
• The type of coverage, etc.

When you buy travel medical insurance from Tata AIG, you can choose from different plans and the extent of coverage. Our travel insurance plans are affordable and start at an affordable premium rate of ₹40.82 per day for our international policies and ₹26 per day for our domestic policies.

8. Which travel health insurance is best for a family?

Tata AIG travel health insurance plans are not only affordable but also easily customisable. When you use our travel insurance calculator, you can choose any of our travel plans, add family members to the plan and ensure adequate coverage for all of them. However, our travel insurance plans offer COVID - 19 coverage only for international travel.

9. Can students take travel insurance?

Yes, we offer student travel insurance plans that cover students between the ages of 16 and 35 years and are affordable and easily customisable. Additionally, if you are unable to complete a semester abroad due to a medical emergency, the travel insurance plan will cover your tuition fees. Also, in case of a medical emergency, you can visit/be visited by your loved ones so that you do not have to be alone in sickness.

10. Which health insurance is best for international students?

As an international student, you should get our student travel insurance plan. Our student travel insurance has been designed, keeping in mind the unique educational needs of students. Our international student travel insurance not only covers COVID-19 and other medical emergencies and loss of luggage but also reimburses tuition fees in case you are compelled to leave your academics or take a long break due to a medical emergency. Additionally, you can customise the plan to cover only the days you are outside the country and not when you are in India.

11. Is travel insurance mandatory for students?

While student travel insurance is not a mandatory cover, it is always advisable and essential to have insurance coverage while travelling abroad for higher education. Having student travel insurance can save you from a lot of hassles in case of a medical emergency such as an accident or an illness. Moreover, apart from the medical emergency coverage, student travel insurance plans also cover loss of passport or baggage to ensure that you do not have to face any inconveniences while travelling for your education. Hence, irrespective of whether it is mandatory or not, you can buy a suitable student insurance plan from Tata AIG and secure yourself!

12. Can I buy travel medical insurance with a pre-existing condition?

Our travel insurance plans only make an exception for pre-existing conditions when it comes to senior citizen travel insurance plans. However, student travel insurance, domestic travel insurance, and international travel insurance do not cover pre-existing conditions.

13. Can I get travel insurance for a one-way trip?

Yes, you can get travel insurance for a one-way trip. However, your plan will have to be customised to provide coverage for the number of days you live outside the city or the country.

14. When should I start my single trip travel insurance?

You can start your single trip travel insurance a day before your trip. By using our travel insurance calculator, you can easily choose the start and the end date of your travel insurance. And if your trip is extended due to an unforeseen reason, we enable an automatic extension of 60 days so that you can enjoy the insurance coverage on your trip.

15. Should you get a single trip or annual travel insurance?

Getting a single trip or annual travel insurance will depend on your frequency of travel. If you are going on a single trip and will not be travelling again for a while, a single trip travel insurance is a good idea. However, annual travel insurance is ideal if you go on frequent tours and trips. With our travel insurance plans starting at ₹40.82 per day for our international policies and ₹26 per day for our domestic policies, you can choose really affordable insurance coverage for yourself.

16. Is travel insurance and health insurance the same?

No, travel insurance is meant to protect you against a series of situations and emergencies that includes but is not limited to medical emergencies while travelling to another city or country, whereas health insurance specifically provides coverage against medical emergencies and the resultant expenses within one’s own country.

17. Can I claim multiple travel insurance?

You can have one travel insurance for every trip you make. Therefore, you cannot file multiple travel insurance claims together.

18. Do Multi-trip travel insurance plans cover Covid?

Yes, all our international travel insurance plans offer COVID - 19 cover, be it single-trip insurance or multi-trip insurance.

19. Am I required to undergo any medical examination prior to buying a plan?

No, our travel insurance plans do not call for a mandatory medical examination before the purchase of the plan. You can instantly avail of insurance coverage and buy a suitable travel insurance plan for yourself. However, only our senior citizen travel insurance plans cover pre-existing illnesses.

20. Can I buy travel medical insurance for my aged parents?

Yes, we offer senior citizen travel insurance plans that are specifically designed for senior citizens and their needs. Our plans also cover pre-existing illnesses and so, you need not worry about insurance coverage being rejected in such a case. You can use the senior citizens’ travel insurance calculator on the Tata AIG website to choose the appropriate coverage for your parents.

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] .

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• Key takeaways

Do I need travel insurance to visit India?

How much does travel insurance for india cost, what does travel insurance for india cover, what isn’t covered by travel insurance for india, tips for getting the best india travel insurance, india travel information & requirements, faq: india travel insurance, related topics.

Travel Insurance for India: U.S. Visitor Requirements & Quotes

• You must have a visa and a valid passport to visit India .
• Although travel insurance isn’t required, it’s advisable to at least purchase travel medical and medical evacuation coverage because India won’t accept your U.S. health insurance .
• More comprehensive policies can also cover other travel mishaps , such as trip cancellations and delays, lost baggage and car rentals.
• According to our research, our top picks for travel insurance for India come from Seven Corners, Tin Leg, and AXA Assistance USA ( skip ahead to view these plans ).
• Costs for travel insurance vary, but you can typically find basic medical coverage for less than $1 per day .
• To view multiple plans at once and find the best coverage to suit your needs, try using an online comparison tool .

Our top picks for the best india travel insurance

• Seven Corners: Best Value for Robust Coverage & Medical Emergencies
• Tin Leg: Best Rated Overall
• AXA Assistance USA: Best for Budget Friendly Travelers

Our top picks for travel insurance for India

Seven corners.

AXA Assistance USA

India does not require tourists to have travel insurance . However, traveling in India can come with a significant amount of risk. A travel insurance policy covers medical care and medical evacuation, so you can move around the country with peace of mind. If you become injured or sick, you won’t be saddled with an expensive medical bill.

Travel insurance also protects you from other unexpected circumstances that could affect your trip. If a natural disaster forces you to cancel or a political protest disrupts your plans, your policy can help reduce the financial impact. 

It can also help you prepare for other risks, such as those discussed below.

Risk of pickpockets and tourist scams

Pickpockets and petty thieves run rampant in India, often targeting unsuspecting tourists. They operate in crowded tourist destinations, such as airports and famous sites like the Taj Mahal.

Tourist scams are another common occurrence in India. Scammers try to lure travelers with false promises, only to extort them for money or put them in dangerous situations. In other cases, criminals drug visitors before robbing them. Travel insurance with coverage for personal items can help pay to replace stolen items.

Risk of canceled day trips or tours

Tours and day trips are a popular way to see sights in India. Since many operators have little to no oversight, they may cancel these excursions at the last minute without reimbursing you. Certain travel insurance policies can reduce the risk of financial loss by covering nonrefundable costs for interrupted or canceled tours.

Risk of political demonstrations 

Political demonstrations in India can be large and disruptive. In some cases, they affect airlines, train lines and major roadways. When a demonstration arises before or during your trip, you may have a hard time reaching your destination. In some cases, widespread protests make it too dangerous for foreigners to visit the affected areas. A travel insurance policy can help you recover the costs of canceling the trip, rebooking flights, or making unexpected hotel stays.

Risk of severe weather conditions

Many parts of India experience severe weather at various times throughout the year. In southern India, the monsoon season often brings severe flooding; the northern part of the country sees intense dust storms. Dangerous heat waves are possible across most of the country. While you can’t predict serious weather events, you can use insurance to prevent significant financial losses if storms affect your trip.

Best Value for Robust Coverage & Medical Emergencies

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Overall

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Best for Budget Friendly Travelers

Our official sales figures over the past year show that our customers paid an average of $136.70 for travel insurance to India.

We found that travel insurance for a trip to India can cost as little as $1 per day for the most fundamental medical and medical evacuation coverage. A more comprehensive plan that covers trip cancellations and interruptions will cost around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to India, we requested quotes from four leading travel insurance providers.

We used these details for all of our quotes:

• Age : 35 years old
• Destination : India
• Trip Length : 7 days
• Trip cost : $2,000
• Date: September 2024

You can see our quotes for basic travel insurance in the table below. Prices range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Our quotes for policies that include trip cancellation and trip interruption coverage are in the following table. Prices range from around $7 to $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

It’s important to note that the cost of India travel insurance is different for everyone. 

Providers base your policy premium on factors such as:

• Trip duration
• Cost of the trip
• Current health insurance
• Elapsed time between policy purchase and first trip deposit

As with any type of insurance, every plan offers different types and levels of coverage.

We break down some of the most common coverage types below.

Trip cancellation insurance

Trip cancellation coverage helps you recover prepaid, nonrefundable trip costs if you have to cancel your plans. Travel to India is expensive, especially if you’re booking popular hotels and tours. If you fall ill a week before your flight and you’re too sick to travel, insurance can ensure that you don’t lose money in the process.

Trip delay insurance

This type of insurance covers the extra expenses that arise if your India trip is held up due to circumstances beyond your control. If your connecting flight from Amsterdam to New Delhi is pushed to the next day, insurance can cover a last-minute hotel booking and taxis to and from the airport. Keep your receipts, and you might also be able to get reimbursed for meals and nonrefundable hotel stays in your final destination.

Trip interruption insurance

Trip interruption coverage kicks in if unexpected circumstances require you to cut your vacation short. As long as the reason for the interruption is covered, the policy will typically refund the non-refundable costs of the rest of the trip . It might also cover the flight back to the U.S.

Travel medical insurance

If you get hurt or fall ill while you’re exploring India — a possibility, given the country’s inconsistent safety regulations — travel medical insurance covers the costs. In most cases, you’ll need to pay the healthcare bills first and file a claim for reimbursement. Some plans will work directly with the medical provider to settle bills if you need hospitalization after an accident or a bout of dengue fever.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation in case of a medical emergency. It’s critical for trips to India — healthcare facilities aren’t always available away from major cities. That means if you’re injured while trekking in the Himalayas or cruising in Kerala, you may need to be transported a long distance by air to get to a hospital. When the situation is serious enough, a medical flight back to the United States may be necessary.

These services are expensive, but evacuation coverage can take care of the bill. Make sure you choose a policy with a high limit when traveling to India, particularly if you’re planning an adventurous itinerary to rural parts of the country.

Insurance for personal items

Personal item coverage helps you pay for damaged, lost or stolen belongings. Given the risk of theft and pickpocketing in India, this type of insurance is essential. Limits can vary considerably between policies; you may need to shop around to find adequate coverage if you’re packing computers, phones and cameras.

Rental car coverage

This type of insurance pays for damage to your rental car. It’s usually offered as an add-on for an extra fee, but don’t skip it if you’re renting a car in India — road conditions and driving safety are well below U.S. standards in many areas.

Every travel insurance policy comes with exclusions, which are things the plan will not cover. For example, if your policy excludes preexisting medical conditions , it won’t pay cancellation costs if you have to cancel due to a chronic health condition.  

Standard travel insurance exclusions are:

• Pregnancy (except for complications)
• Anxiety and mental health
• Routine medical or dental procedures
• High-risk activities
• Extreme sports and professional sports
• Trips that go against medical advice
• Storms that have already been named
• Illegal activities

It’s also important to note that your policy might refuse to cover anything for which you don’t have the appropriate documentation. If you need to seek medical care, or you plan to file a claim for trip cancellation or interruption, call the provider immediately to ask about documentation requirements.

A wide range of providers offer travel insurance to India. 

These tips can help you select a plan that provides ample coverage and peace of mind:

Research your destinations.

If you’re traveling to rural parts of India, make sure your insurance policy includes a high limit for medical evacuation. That way, you’re less likely to incur high bills for medical flights.

Check emergency procedures.

Some providers deny medical claims if you fail to call the emergency assistance line before seeking help. That’s not always possible in areas of India that don’t have cell service.

Consider how you’re traveling around India.

Travel insurance policies don’t apply to every mode of transportation. If your plans include hitching a ride or renting a motorcycle in India, make sure it’s covered in case of an accident.

Examine the risk level of activities.

Read the policy exclusions carefully to ensure that your intended activities are covered.

Buy a policy as soon as possible.

By buying as soon as you book the trip, you’ll be protected for longer. Coverage usually starts from the purchase date.

Are there COVID-19 restrictions for U.S. tourists?

No, as of February 13, 2023, there are no COVID-19 restrictions for U.S. tourists.

Do I need a visa or passport to travel to India?

You need both a visa and a passport to travel to India . You can apply for an eVisa online. If you’re approved, you can travel in India for up to 60 days. Make sure to apply at least four days before you’re scheduled to arrive. To stay longer, you must apply for a standard tourist visa at the nearest Indian consulate or embassy.

Before you apply, check the expiration date on your passport . The document must be valid for at least six months after the application date. Indian immigration officials require two blank pages to accommodate visas and stamps.

Is it safe to visit India?

India can be a safe destination for savvy tourists — however, you must exercise a great deal of caution . Petty crime is common, as are scams. Female travelers must be especially careful as there have been many reports of sexual assault and violence against women, including tourists. The U.S. Department of State advises women to dress according to local custom and avoid traveling alone in India. 

There is also a chance of terrorism and civil unrest throughout India, particularly in the northeastern states, central and eastern India and areas near the Pakistan border.

Can a US citizen buy health insurance in India?

As a citizen of the US traveling to India, it is far more beneficial for you to purchase a travel insurance policy before you leave for your vacation. Doing so prepares you for early unforeseen circumstances such as delayed flights or canceled bookings. NRIs (non-resident Indians) may be able to purchase health insurance in India. Still, as U.S. travel insurance companies are fully regulated, you are far safer securing your coverage within the states.

Can I use my U.S. health insurance in India?

No, you cannot use most standard U.S. health insurance policies in India.

Can a U.S. citizen buy travel insurance in India?

A few insurance providers allow you to purchase travel insurance after you’ve started your trip in India. However, you may be subject to higher fees or a waiting period before you can make a claim.

Is it better to buy travel insurance from India or U.S.A.?

It’s best to buy travel insurance for India while you’re still in the United States. You can buy it from a domestic or international provider — just make sure the company is reputable and that the policy applies to American travelers.

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank , Lendzi , MoneyTips and Indeed , providing invaluable insights into budgeting, financial planning, and lines of credit.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

Best International Travel Insurance for May 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

International travel insurance FAQs

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Are there any limitations or exclusions international travelers should be aware of?

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

How far in advance should international travelers purchase travel insurance?

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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