Visitor Insurance for the USA from India

What is Visitor Insurance for the USA?

Simply put, Visitors insurance is a type of travel insurance from India to USA that protects non-American visitors in case of medical emergencies. These may be due to complications in health, accidents or other issues faced while visiting the US.

Travelling to the USA is an expensive affair, buying the best medical insurance for visitors to USA from India is a smart move to avoid any sudden medical costs.

Why is Visitor Coverage Insurance Necessary?

Due to the exorbitant cost of living in the US, even a single appointment with a doctor may cost USD 500 to 1,000. Without a financial backup, this expense can cause a significant dent in your pockets.

This is especially important for elderly parents visiting their children or relatives in the US as they are more likely to face health issues due to climate, temperature or food changes. For them, it's important to have the best visitor insurance for parents visiting USA from India. Once you apply for the correct US visa don’t forget to buy trip insurance for the USA to have a safe and stress-free journey.

Features of USA Visitor Insurance from India

Visitors insurance is a type of travel health insurance that can be purchased by foreigners visiting the United States for a short term. This travel insurance from India to USA helps protect travellers from extremely high healthcare costs in the US in case they need medical assistance. The following are some features of buying travel insurance for USA visitors from India:

• Cashless Hospitalisation: Most of the insurance companies from India offer cashless hospitalisation benefits where the hospitalisation costs are settled directly with the hospital.
• No Pre Health Check-up: Most travel insurance companies in India offer visitor insurance USA without asking the insured traveller to go through any pre-policy medical check-up.
• No Deductibles: Some insurance companies offer travel insurance for USA visitors without any deductible features. This implies that the policyholder will not have to pay any sort of claim amount during the time of settling the claim.
• Extension of the Policy: Most insurance providers offer an automatic extension of the policy in case your scheduled departure is delayed due to a change in plans. The policyholder can often get their plans extended for a week or up to 365 days depending on who the insurer is.
• Round-the-Clock Assistance: Buying a visitor coverage insurance USA from India provides 24X7 support wherein in case of occurrence of any sort of emergency at any point in time.

Make sure to buy the best visitor insurance for parents visiting USA from India so that they’re safe from any possible medical emergencies during their stay.

Inclusions Under Visitor Insurance USA

Any insurance should include adequate coverage. If you get unexpectedly sick or injured while visiting the United States of America. Depending on your risks and needs, it is better to tailor your plan. Consider these benefits while selecting the best medical insurance for visitors to USA from India:

• Personal Accident: If the policyholder gets injured or meets with an accident during the US trip then any expenses incurred towards the medical treatment for the same will be covered.
• Medical Expenses: Any fiscal cost incurred as a result of a sudden sickness/illness or bodily injury to the policyholder because of the treatment will be covered under the visitor insurance USA from India.
• Dental Expenses: In case of acute pain relief due to any dental problems while on the US trip, the insured will get covered under this policy.
• Daily Cash Allowance: If the insured gets hospitalised at any of the local dispensaries or the hospitals in the USA to avail of any medical treatment because of an incurred injury or sickness, a lump sum amount shall be provided to the insured to meet the daily expenses.
• Compassionate Visit: If the insured is hospitalised in the USA for a longer period, one of the family members is permitted to travel to the USA. The cost incurred towards travelling and accommodation will be covered by visitor insurance USA from India.
• Medical Evacuation: On the off chance, if the insured encounters an emergency circumstance while on the US trip and requires to be evacuated based on medical grounds, the insurance company will arrange and cover the cost incurred towards emergency air or road services.
• Repatriation of Mortal Remains: Unfortunately, if during an adverse situation the insured passes away while in the USA, the expenses incurred to send back the mortal remains to the home country will get covered.

While these are general benefits offered by the best medical insurance for visitors to the USA from India, the exact coverage will vary from insurer to insurer. Some insurers also offer extensive benefits such as coverage for personal liability, passport loss, emergency trip extension and more. However, it is best to compare different visitors insurance plans online on Policybazaar.com before you buy one.

Exclusions Under Visitor Insurance USA

While visitors insurance from India to the USA covers plenty of medical emergencies, you should be aware of some scenarios when your claim won’t be covered under visitor insurance:

• Pre-existing Ailment: If the insured gets hospitalised in the US for the treatment of any pre-existing disease or ailment, then no cover will be provided.
• Cosmetic Treatment: Any cost incurred due to a cosmetic or obesity treatment by the insured in the US will not be covered under the policy.
• Self-inflicted Injury: In the case of self-inflicted injury leading to monetary expense during the US trip is generally excluded under the insurance policy.
• Illegal Driving: Any loss/damage incurred wherein it is found that the driver or the insured was under the influence of alcohol or had consumed drugs, which lead to this accident, no cover will be provided.
• Act of War: In case the policyholder suffers a loss or damage under an act of terrorism, no cover shall be provided under such a contingency.
• Breach of Law: Any claims arising due to incurred loss/damage by the policyholder, who violated the laws in the USA, are excluded under the travel insurance policy USA.

Additional Covers Under Visitor Insurance USA

Depending on the insurer, you can customise your visitor insurance for USA by buying optional covers at an additional premium. Some of these are:

• Adventure Sports: There is a possibility that you might want to try any sports or adventure activity. Most of the insurance providers do not offer coverage for the same in general inclusions. However, you may benefit from the same by availing of an add-on to the cover and paying a little extra amount.
• Personal Liability: Many travel medical insurance plans don’t offer benefits beyond medical expenses. In case, the insured causes any loss or damage to the third-party property or person during the US trip, this will get covered under this option. Please note that this benefit may be offered under general coverage as well.
• Value-Added Services: While the insured is enjoying the US trip, back at home the family might need some kind of financial assistance under situations such as getting an automotive repair or any medical concierge, and so on. This cover will take care of the needs of the family even when the policyholder is not around.
• Home Insurance: While you are abroad, your home may be in danger due to fire or a robbery. This Home insurance or burglary optional will take care of your worries and protect you from any subsequent loss.

Thanks to these add-ons, you will easily find the best visitor insurance for parents visiting USA from India.

How to Buy USA Visitor Insurance Online?

Buying travel insurance for the USA is providing a layer of protection for your trip. Today, buying visitor insurance for the USA is pretty simple.

You can buy the best travel insurance online by visiting the website of the insurance company from which you intend to buy the policy. Moreover, you may also buy travel insurance from India to USA by browsing different travel health plans for the US on Policybazaar.com. It will help you to compare various travel insurance plans and assist you to zero down the visitors insurance policy.

Once you select a specific visitor plan, all you need to do is complete the proposal form and then make the payment of the travel insurance premium online.