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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 some precautionary measures to stay financially protected. 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 Do You Need USA Travel Insurance from India?
The United States of America is one of the most visited countries in the world, attracting millions for education, employment and tourism. US visitor insurance ensures your safety during your time in the US. Travel lovers can smoothly visit, stay and explore this country with the necessary protection.
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 is the best precautionary measure for unpleasant situations you are likely to face during your trip. Consider these very real and scary situations:
➣ When Mr. Sharma was in New York for a conference, he did not anticipate slipping down the subway stairs and fracturing his arm. His visitor's insurance covered his US hospital and surgery expenses.
➣ Ms. Iyer’s checked-in luggage was misplaced at the Los Angeles airport. She was reimbursed for her clothes, essentials and medicines thanks to insurance.
➣ Rahul's connecting flight was delayed by 12 hours due to a snowstorm in Chicago. His trip insurance reimbursed him for the additional hotel stay, meals and extra transport.
➣ Arjun fell seriously ill right before his USA trip. Thankfully, his prepaid hotel and flight expenses were reimbursed by the USA travel insurance.
For those who may not know, healthcare is highly costly in the USA. Travel medical insurance for the US provides sufficient 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.
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 Insurance USA
Travel health insurance USA is designed to protect the traveller from financial losses in case of mishaps faced during their stay in the USA. From medical coverage to travel policy extension, here are some of the key features of travel insurance USA:
Medical Cover – The key features of USA travel insurance will cover you for emergency hospitalisation of over 24 hours, personal accident, emergency medical evacuation, emergency dental treatment under anaesthesia, emergency outpatient treatment (OPD) for both accidents and illnesses.
Trip Related Cover USA – Covers many important situations that can cost you heavily, including trip cancellation, trip delay, total loss of checked-in baggage, loss of personal belongings like laptop, tablet, camera, etc. It also covers passport loss, cruise cover and missed connections.
Other Features – Other than several trip-related and medical emergencies, USA travel insurance offers several benefits, including personal liability cover in case you cause unintentional injury or damage to a third party in the US. It offers sponsor protection, emergency financial assistance in case of theft or robbery and adventure sport coverage.
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 |
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 purchased 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.
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.
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.
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:
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 (also 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
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:
| U.S. Airport | Airport Code | Popular Routes from India |
|---|---|---|
| John F. Kennedy International (New York) | JFK | Delhi, Mumbai |
| Newark Liberty International (New Jersey/New York area) | EWR | Delhi, Mumbai |
| San Francisco International (California) | SFO | Delhi, Mumbai, Bengaluru |
| Chicago O’Hare International (Illinois) | ORD | Delhi, Hyderabad |
| Washington Dulles International (D.C.) | IAD | Delhi |
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 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 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
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.
List of Well-Known Indian Restaurants in USA
The USA has a huge Indian diaspora. In case you crave something desi, you can consider some of these popular Indian restaurants in the USA:
| Restaurant | Location | Must-Try Dishes | Why It Stands Out |
|---|---|---|---|
| Junoon | New York, NY | Tandoori octopus Ghost chilli murgh tikka | Michelin-starred, elegant & modern fine dining |
| Adda | Queens, NY | Dahi batata puri Lucknowi dum biryani | Street-food style |
| Rasika | Washington, D.C. | Palak chaat Modern chaat-inspired plates | Obama's go-to restaurant |
| Chai Pani | Asheville, NC & Decatur, GA | Okra fries Sev potato dahi puri Vada pav | James Beard Award for Outstanding Restaurant (2022) |
| Semma | New York, NY | Snail masala Venison curry South Indian classics | Michelin-starred, authentic Tamil cuisine |
| Daru | Washington, D.C. | Jackfruit tacos Paneer pesto tikka Fusion cocktails | Playful fusion of Indian + global flavours |
| Bhuna | Portland, OR | Rogan josh Collards with Kashmiri chilli, Chickpea calamari | Kashmiri soul food, unique regional focus |
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: 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 Allianz
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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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Policybazaar Insurance Brokers Private Limited, Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 | CIN: U74999HR2014PTC053454 | Policybazaar is registered as a Composite Broker | Registration No. 742, Valid till 09/06/2027 | License category - Composite Broker | Contact Us | Legal and Admin Policies
* Price shown is for a 90 day trip to USA with 50,000 dollar coverage for an adult of age 25 years
