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Travel Insurance USA
Travel insurance for the USA is one of the easiest ways to secure any trip to the United States of America. Despite its strict immigration policies, the US attracts millions of visitors, students and tourists yearly. However, taking a trip to the United States of America for any reason needs the same preparation and precaution. For a trip to the US, there's hardly anything more reliable than travel insurance for the USA. This policy is customised to help you avoid any unwanted financial emergencies during a trip to the United States of America.
Why You Need USA Travel Insurance
The United States of America is one of the most visited countries in the world. The country offers a variety of scenic landscapes and tourist attractions ranging from the sprawling Grand Canyon to the spectacular Statue of Liberty.
Moreover, the country is home to some of the best universities in the world, including the Ivy League Colleges. However, even the most gorgeous places on earth are not accident-proof and can face an emergency. By purchasing travel insurance for USA from India, you can benefit in the following ways:
➣ Protection from costly medical services in the USA
➣ Cashless hospitalisation facility
➣ 24x7 emergency assistance
➣ Cover for personal accident and personal liability
➣ Coverage for passport and baggage loss
➣ Coverage for trip interruptions, flight delays and flight cancellations
Therefore, it is important to buy travel medical insurance for the USA and stay medically & financially protected during your trip.
What is USA Travel Insurance
Travel insurance for the USA has been tailor-made for people travelling to the United States for tourism, business, meeting friends & families or studying. USA travel insurance from India covers many situations the insured traveller will likely face during their trip. For starters, healthcare is highly costly in the USA; thus, this travel insurance will provide coverage for emergency medical treatment. Mishaps like passport loss or missing your flight due to an emergency can happen to anyone. This can be pretty expensive for travellers, so all those visiting the United States of America are advised to buy this travel insurance to avoid any unfortunate incident that disrupts their travel plans.
Fast Facts About the USA
Here's a quick overview of the Land of Dreams to help you plan your trip better:
| Category | Specifications |
|---|---|
| Capital | Washington D.C. |
| International Airports | Washington (Dulles) International Airport, O'Hare International Airport |
| Time Zone | Washington, DC, USA (GMT-4) |
| Best Time to Visit | April to July |
| Most Visited City | New York |
| Is Travel Insurance Mandatory for USA | No |
Key Benefits of Travel Health Insurance USA
Travel health insurance USA is designed to protect the traveller from any mishaps during their stay in the USA that may cause financial losses or worse. A wide range of USA travel insurance from India is available.
Many travel insurance plans for the USA come with the option of travel policy extension. While few companies offer automatic policy extensions for up to seven days, other companies allow the insured traveller to extend or renew a travel insurance policy for up to 365 days. Here are some of the important benefits of travel insurance policy.
Cashless Hospitalisation – The insured doesn’t need to pay at the hospital at the time of discharge at the network hospitals of their travel insurance company. Instead, the insurer directly settles the bill with the hospital.
No Pre-Policy Health Check-up – Most Indian insurers offer travel insurance USA without asking the traveller to go through a pre-policy medical check-up. This feature may be available to people for up to a specific age limit per the travel insurance company's terms.
Baggage Cover – USA travel insurance plan will cover delay or loss of baggage up to certified limit.
Zero Deductibles – A few insurers also offer travel insurance plans for the USA with zero deductible features. This means that the insured traveller would not have to pay any share of the claim amount at the time of claim settlement.
Documents Required for USA Travel
Travelling outside your home country sure is a tedious task. You not only need to pack your bags but also get your hands on some important documents while travelling to the United States of America. Some of the most common documents you need while travelling to USA are given below.
USA Entry Requirements from India
The following are the documents required before you head to USA from India.
Valid Indian passport with at least 2 blank pages for the stamping.
Proof of sufficient finances to stay in the US
Valid US visa from India
A return ticket or onward ticket from the US
Financial statements
Any support affidavit needed by the US Embassy
Proof of accommodation
Travel Insurance Purchase
The following are the documents required to purchase travel insurance.
Passport number of travellers
ID proof (PAN/Aadhar etc.,) for KYC for the proposal form*
*You must also have your travel dates and destination for the proposal form.
Travel Insurance Claim
The following are the documents required for travel insurance claim.
FIR or police report for criminal cases
Copy of your passport with immigration stamps
ID Proof
Completed claim forms
Copy of your original policy
Original bills and receipts
You may be asked to provide all of these or more documents, depending on your claim.
Entry & Visa Information for the USA
All Indians need a valid visa to visit, work, study, or stay in the United States of America. Travelling to the US needs a pre-approved US visa, depending on the purpose of their visit. As of now, there’s no visa-on-arrival facility offered to Indian tourists. Indians also need a valid Indian passport with at least 2 blank pages for the stamping. It must be valid for 6 months beyond the intended stay in the USA. The visitor should also have sufficient finances to sustain their stay in the US for the entire duration and must have a return ticket or onward ticket from the US. Here’s a list of other different types of US visas that travellers can apply for depending upon their purpose of travel:
| Types of Visa Required | Purpose of Travel to the USA |
|---|---|
| A | Foreign government officials and diplomats |
| A-2 | Military personnel stationed in the U.S. |
| B-1 | Athletes competing for prize money, business visitors, domestic employees |
| B-2 | Patients, Tourists |
| C | Transit in the USA |
| C-1/D | Cabin Crew on US-bound aircraft |
| H1-B | Highly specialised professionals with specific industry knowledge |
| H2-B | Temporary workers for non-agricultural professions |
| I | April to JulyInformation media representatives and journalists |
| J | Exchange visitors |
| M-1 | Vocational students |
| P | Entertainers, artists and athletes |
USA Travel Insurance Add-Ons
There is no shortage of great options when it comes to picking the best travel insurance for your US trip. Plans these days have it all- you're covered for your hospital bills in case of an emergency in the US, you can get reimbursed for issues like flight delays, personal liabilities and more. However, there are some benefits that can enhance your travel insurance coverage and improve your experience further. Travel insurance Add-ons or optional coverage for US trip can significantly add to your overall safety. From refund of visa fee cover to pre-existing diseases cover, you can find many options to amplify your travel health insurance coverage.
What does the USA Travel Insurance cover?
Travel insurance for USA from India covers several things. Some of the common inclusions and exclusions are as follows:
Covered in Policy
The following are the cases that are mostly covered under your international travel insurance policy for USA:
Medical Expenses
Travel medical insurance for USA covers hospitalisation expenses, evacuation and repatriation expenses in case of an emergency.
Personal Liability
If you somehow become liable to a third party while travelling abroad, then your India to USA travel insurance will help you shoulder the costs.
Flight Cancellations
In case your flight is cancelled due to covered reasons, this USA travel insurance will compensate you for additional expenses.
Flight Delay
You will be compensated by your USA trip insurance for the inconvenience of your delayed flight if it is over a certain time limit.
Home Burglary Insurance
In case of a burglary at your home back in India while you're on your trip, travel insurance for USA trip will compensate you for the losses as per your policy term.
Passport Loss
Your tourist insurance USA will cover you for the costs incurred in getting a new or duplicate passport.
Baggage Loss
If your airline misplaces or damages your luggage, then your USA travel insurance policy will provide a fixed sum to reimburse you for those damages.
Not Covered in Policy
The following are the cases that are not covered under your international travel insurance policy:
Medical Tourism: If you are travelling to get a medical treatment here, then you won't get any coverage benefits
Nervous/Mental Disorders: Any medical expenses caused due to nervous or mental disorders will not be covered under this USA trip insurance
Pre-existing Diseases: Your travel insurance India to USA will not cover any medical expenses due to pre-existing conditions. You may buy an add-on that covers PED if you need additional coverage.
War or Terrorism: Losses incurred due to civil war, rebellion, military actions, chemical or biological weapons, and acts of terrorism are not covered.
Losses due to Negligence: If you incur a loss due to your own negligence, it won't be covered by the insurer. For example, if you left your passport unattended and it was stolen, then you won't be covered for it.
Illegal Acts: If a claim arises because you committed a breach of the law in the country you are visiting, your travel insurance USA will not cover it.
Suicide/Self-inflicted Injury/Drug Use: US travel insurance from India will not cover any claim in case of intentional injury or damage you cause to yourself. It will also not cover any claim if you suffer a loss because of inebriation.
USA Visa Procedure for Indians
1
Determine Your Visa Type
Know your purpose of visiting America (Tourism, Conference, Work, Studies, etc.)
2
Confirm Your Eligibility
Find out the requirements (if any) for the US visa you are applying for.
3
Gather Your Documents
Check the relevance and validity of important travel documents.
4
Complete the DS-160 Form
Accurately fill out the non-immigrant US visa application
5
Pay the US Visa Fee
Pay the application fee for your US application as per the directions of the US Embassy/Consulate.
6
Schedule Your US Visa Interview
Book your US visa appointment at the applicable Visa Application Centre.
7
Wait for Processing
Once approved, you can collect your passport with US visa stamp.
Travel Insurance is recommended for USA trip
Travel Guide for Indians Visiting USA
The air travel to the US requires a day alone, so you can expect some serious preparation before you head to this country. Here are some helpful suggestions to plan your US trip:
Know USA Airports
Except for a few direct flights, all other flights from India to the USA are connecting flights with short/long layovers. These are the most popular international airports in the US:
➣ O'Hare International Airport (Chicago)
➣ San Francisco International Airport
➣ Washington Dulles International Airport
Currency in the USA
The currency used in the USA is the US Dollar. Here is the latest exchange rate to get an estimate: 85.62 INR = 1 USD
While large cash amounts, traveller's checks or money orders aren't a problem, you should declare any amount over USD 10,000 on Form 6059B and FinCEN 105.
Indian Embassy in the USA
Some emergencies can go beyond regular help. In such cases, contact the Indian Embassy at: Emergency Assistance: 1+202-550-9931 (lso available on WhatsApp)
Why Buy from Policybazaar.com?
Buying from us comes with a lot of benefits:
Travel insurance for USA from India
Easy Comparison: Compare multiple policies on the go
Accepted Worldwide: Plans that are approved worldwide, including visa insurance requirements.
Budget-friendly: Find the cheapest travel insurance for USA
Instant Issuance: Get your policy within minutes
Global Support: Emergency & claim assistance throughout the world
USA Itinerary
The USA is a large country with 50 states. Over a million Indians visit US for tourism, indicating its popularity and memorable attractions. Be it the Big Apple City or Niagara Falls, you must your US itinerary well to book event and travel tickets on time.
-
1Decide your trip duration and finalise your travel dates
-
2Book flights and reserve hotels in America
-
3Shortlist places you wish to visit in the US
-
4Skiing in Aspen or driving around the Grand Canyon, decide on the activities you want to try here
-
5Book/buy train/flight tickets to commute through the US
Best Time to Visit the USA
The USA witnesses a torrent of visitors yearly. However, the Spring months between March and May make for the best time to visit the USA. These months are great for outdoor sightseeing, partaking in exciting adventure sports, indulging in shopping sprees or diving headfirst into the festival mania of the country.
The summer months of June to August also make for a good time to visit America. Winter months are usually not too conducive for outdoor sightseeing and can be avoided.
Secure your USA trip anytime of the Year
Money-Saving Tips for USA Travellers
Given its abundant attractions and well-developed cities, USA offers a spectacular experience to tourists. However, exploring the whole city without a proper budget could burn a hole in your pockets. Here are some ways to save money while traveling to USA:
Live in Budget Hostels/Dorms
Since hotels in the US are too pricey, it's better to look for rooms in hostels or dorms.
Eating Out
Restaurants in the US are pretty expensive. Tipping is expected here, so be prepared to spend a lot when dining out. You can consider cooking your meals if possible.
Transportation
Ride-sharing apps are cheaper than taxis here. Go for local buses, subways and trains to save money.
Healthcare in the USA
Medical expenses are very high here. Students & budget travellers must take care of their health & have emergency funds.
Track Hidden Charges
Price tags in the US don't include the sales tax (6-10%), which is added while payment. Similarly, city taxes in hotels (USD 5-20/night) and tips (USD 10-20) are unavoidable, so spend carefully.
Most Visited Places in USA
The USA is exceedingly rich when it comes to tourist delights and sightseeing opportunities. Here's a list of just some of the many best places to visit in the USA:
New York - Don't forget to visit the Statue of Liberty, the Empire State Building, Times Square, Central Park, and the High Line.
Grand Canyon - Explore the stellar South Rim. Known for scenic points like Mather Point and Desert View Watchtower.
San Francisco - Don’t miss the iconic Golden Gate Bridge. Also visit Alcatraz Island, Lombard Street, and Fisherman's Wharf.
Washington D.C. - Best known for the Capitol Building, the Lincoln Memorial, and the Smithsonian museums.
Yellowstone National Park - Known for its old geysers, thermal springs, and wildlife. Definitely visit its scenic spots like Grand Prismatic Spring and Lamar Valley.
Walt Disney World Resort - Florida's magical theme park is perfect for all ages. Spend a day with children here
Waikiki, Hawaii - Located on Oahu Island, you can swim, surf, or snorkel in this beach paradise.
Las Vegas - Visit the best casinos in the world. Must visit Hoover Dam, Red Rock Canyon, and the Grand Canyon, all very close by.
Trip to the US: Tips & Precautionary Measures
The US is a pretty safe country for tourists and is known for its excellent facilities. However, a few things can make your experience better and safer:
➣ Popular tourist areas are usually brightly lit and are patrolled by police, so it is very safe. However, venturing into areas that may not be as crowded can invite trouble.
➣ Plugs used in the US are two-pronged with 110V AC, so keep adaptors handy.
➣ The average buying/drinking age in the USA is 21. You may be required to furnish proper ID to buy or be served alcohol.
➣ You may be required to furnish ID proof to buy cigarettes. Remember, smoking is banned in all indoor public places throughout the country, including bars, clubs and restaurants.
➣ Car crimes aren't prevalent in the US; however, if you're renting a car in major urban areas, don't stop at any unlit or deserted spot. In case of an accident, always call 911 for assistance.
➣ The nationwide emergency number in the USA is 911.
➣ Ensure that you don't overstay your visa's stipulated limit.
Finally, don't forget to buy travel insurance for US before you leave for your trip.
Travel Insurance for USA from India: FAQs
-
Q: Is travel insurance mandatory for USA from India?
Ans: No. As per the visa guidelines of the US Immigrant Department, foreigners don't need travel health insurance for USA. However, you should buy a travel insurance USA plan to avoid major financial losses here. -
Q: Is US travel insurance mandatory for students?
Ans: In most cases, the admitting university will require you to have appropriate travel health insurance USA as per their specification. This is because while living in the USA for 2 or more years, one may see a few occasions where medical expenses may burden the student. -
Q: How much does travel insurance for USA from India cost?
Ans: Travel medical insurance for visitors to USA from India cost depends on factors like your age, trip duration, coverage, etc. However, most travel insurance companies have travel health insurance for USA at different premiums. You can find USA travel insurance cost starting at INR 1289 for a 15-day trip* on policybazaar.com
*The rates are subject to change. -
Q: Which is the best travel insurance for USA?
Ans: The best USA travel insurance for you will vary depending upon your requirements, budget and US visiting purpose. For instance, regular travel insurance US is not as great for a senior citizen as plans specifically made for them. -
Q: How can I buy travel insurance USA online?
Ans: You can buy travel medical insurance for USA from India online on Policybazaar.com. Here you can compare different US travel insurance plans before finding the most suitable one for the trip. -
Q: Do tourists get free healthcare in the USA?
Ans: No, foreigners can't get free healthcare facilities in the USA. However, they can access cashless facilities as per their travel medical insurance for USA from India.
Travel Insurers
Aditya Birla
Bajaj Allianz
Care
Cholamandalam MS
Digit
Future Generali
HDFC ERGO General
ICICI Lombard
IFFCO Tokio
National Insurance
Disclaimer: The list of insurers mentioned are arranged according to the
alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any
particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of
insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India
refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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* Price shown is for a 90 day trip to USA with 50,000 dollar coverage for an adult of age 25 years
