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Travel Insurance Plans on PolicyBazaar#1
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Plans for an individual of 30 years age travelling to USA for 15 days
Explore the world with secure life!
Travel Insurance USA from India Starts @ ₹35 Per Day*
While it is not mandatory to buy USA travel insurance, it is highly recommended. Travelling to the United States requires a lot more than booking flight tickets and hotels. However, experiencing the best of this country requires peace of mind which you can easily get from travel insurance for the US. Due to the extremely high cost of healthcare and living expenses here, it is the best way to ensure you receive quality care without financial stress. From medical emergencies to missed flights, you can rely on your travel insurance policy for the US.
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 Reasons to Get Travel Insurance for the USA
- High Healthcare Costs: The cost of medical services in the US is one of the highest in the world. Thousands of dollars can be charged for a single emergency room visit or minor procedure.
- Limited Support: Your health insurance back in India won’t be applicable here, and since you are a foreigner in this country, you can rely on your insurer and TPA to support you during formalities.
- Emergency Medical Coverage: This is the most crucial part. It covers sudden illness, injuries, and necessary hospital stays that occur during your trip.
- Medical Evacuation: Provides coverage to transport you back home or to the nearest appropriate medical facility if a critical medical emergency occurs.
Types of Travel Insurance
You should choose a plan based on the purpose of your trip:
| Plan Type | Who Should Buy | Key Recommendation |
|---|---|---|
| Individual/Family Plans | Leisure travellers, business trips, and single short-term trips. | Protects solo travellers or small groups/families from medical and trip-related adversities. |
| Senior Citizen Plans | Parents/Grandparents visiting on B2 Visitor Visas. | Tailored to cover common age-related risks, including coverage for sudden issues due to pre-existing conditions. |
| Student Plans | Students pursuing education in the US (F1 Visa). | Often required by US universities to meet specific health coverage criteria. |
USA Travel Insurance: Typical Coverage & Exclusions
Your travel insurance plan for the USA should provide the following, with certain limitations:
| Plan Type | Who Should Buy | Key Recommendation |
|---|---|---|
| Individual/Family Plans | Leisure travellers, business trips, and single short-term trips. | Protects solo travellers or small groups/families from medical and trip-related adversities. |
| Senior Citizen Plans | Parents/Grandparents visiting on B2 Visitor Visas. | Tailored to cover common age-related risks, including coverage for sudden issues due to pre-existing conditions. |
| Student Plans | Students pursuing education in the US (F1 Visa). | Often required by US universities to meet specific health coverage criteria. |
Recommendation: US-based Vs. Indian Insurers
Anyone travelling to the United States from India needs to plan their finances and consider all the ways to ensure their trip safety. Here are some benefits of buying insurance from an India-based provider:
- 24X7 Support: Indian insurers offer a dedicated helpline/mobile app which lets you get support during emergencies at any time of the day. This benefit is limited to medical emergencies if you go for a US based plan.
- Specific Coverage: You can get coverage for situations that are specific to your needs. For example, if you plan to surf in Hawaii or go hiking in Colorado, you can buy an adventure sports add-on. It will cover you for these activities.
- Wider Protection: Buying US travel insurance plan from an Indian insurer is not limited to medical coverage! You will be offered crucial coverage like personal liability, flight delays, passport loss and more.
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
Documents Required for USA Travel
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.
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.
USA Travel Insurance: Fast Facts
Here's a quick overview of the Land of Dreams to help you plan your trip better:
| Key Features | Details |
|---|---|
| Maximum Coverage | Up to USD 300,000 for individual plans Up to USD 100,000 for US student travel insurance |
| Customer Support | 24X7 customer care, mobile apps through insurer CRT team & relationship managers through Policybazaar |
| Cashless Hospitalisation | Available at Insurers' Network Hospitals |
| Is USA Travel Insurance Mandatory? | Not Mandatory, but highly recommended |
| Travel Insurance Add-Ons Available | Adventure Sports, Pre-existing Disease, Refund of Visa-fee Cover |
Visa Information for the USA
All Indians need a valid visa to visit, work, study, or stay in the United States of America. 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 stamping. You should also have sufficient finances to sustain their stay in the US for the entire duration along with an onward ticket from the US. These are different types of US visas for Indians, 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 |
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 Exclusions: Medical tourism (travelling for treatment), travelling against your doctor's advice, Nervous/Mental Disorders, PED conditions (unless you have purchased PED add-on), Self-inflicted injuries, Routine check-ups or cosmetic surgeries
Travel Exclusions: Losses incurred due to civil war, rebellion, or military actions, Chemical or biological weapons, and acts of terrorism are not covered. Loss due to your own negligence such as leaving your passport unattended and it was stolen, then you won't be covered for it.
Legal Exclusions: Any liability claims related to employment or professional activities, intentional damage caused to a third party, legal action taken against travelling companions or family members are not covered.
Money-Saving Tips for Indian 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
Expenses especially related to medical emergencies 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.
Interesting Facts about The US
| Category | Facts to Remember |
|---|---|
| Travel | 6 time zones → check flight/local times Big cities are car-friendly → International Driving Permit may be needed |
| Money | Price tags exclude tax (add 5–10%) Tipping is expected: 15–20% restaurants, USD 1–2 service staff Cards widely accepted, but keep small cash |
| Connectivity | Free Wi-Fi in airports, hotels, cafes Local SIM/eSIM cheaper than roaming |
| Visa & ID | Indians need a B1/B2 US visa as there is no visa-on-arrival Carry passport copy/ID for domestic flights & age proof |
| Health & Safety | U.S. medical emergency expense is very costly → buy travel insurance USA Dial 911 for any emergency |
| Food & Lifestyle | Vegetarian/vegan food common in big cities Tap water is safe to drink |
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
Trip to the US: Tips & Local Etiquette
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.
-
Tipping is expected in the US. 15-20% of the bill amount is an acceptable gesture.
-
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.
-
Smoking is banned in all indoor public places throughout the country, including bars, clubs and restaurants.
-
If you plan to fine dine, some restaurants may have a dress code.
-
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 US before you leave for your trip.
Travel Insurance for USA from India: FAQs
-
Q: How to purchase travel insurance for the USA?
Ans: You can easily buy a plan from any insurer online. It only takes a few minutes to buy a travel insurance plan for the US. Make sure to buy it as soon as you are done with your flight, hotel and tour bookings. -
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 to know the US visa appointment available dates?
Ans: You need to regularly check the official US visa scheduling portal for India which is USTravelDocs. -
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 -
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: How to apply for US visitor visa?
Ans: You need to complete the online US visitor visa application, submit the necessary documents, show sufficient financial proof, find an available US visa appointment date and attend the interview. -
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 General
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
