Travel insurance USA is a customized insurance policy designed for people travelling to the United States of America. It safeguards a traveller from any unfavourable circumstances or events during his trip to the United States that may cause him major financial losses.
A travel insurance USA plan has been tailor-made as per the requirements of the people travelling to the United States for the purpose of tourism, business, meeting friends & families or studying.
Travel insurance for USA from India covers any situations that the insured traveller is likely to face during his trip to the United States of America. For example, healthcare is extremely expensive in the USA and thus, this travel insurance will provide coverage for emergency medical treatment and personal accident.
Only people who are travelling to the United States of America can purchase this travel insurance for USA from India. In fact, all foreigners travelling to America are advised to buy this travel insurance along with their US visa without fail in order to steer clear of any unfortunate incident that disrupts their travel plans.
Travel insurance is designed to protect the insured traveller from any mishaps during his USA that may cause him financial losses and force him to cut short his trip. A wide range of travel insurance for USA from India is available in the market. Let’s look at some of the key features of travel insurance USA plans below:
On the basis of the trip frequency of the person travelling to the United States, a travel insurance USA policy can be broadly divided into two types:
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 and the majestic Niagara Falls 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. But even the most gorgeous places on earth are not accident-proof and can face an emergency any time. Therefore, it is important for all foreigners to possess a valid travel insurance USA plan and stay medically & financially protected.
To get a better understanding, here are some of the top benefits that come along with the best travel insurance for USA from India:
A travel insurance USA plan covers an insured traveller from a range of unpredictable events or situations that may disrupt his trip and result in monetary losses. Take a look at the list of coverage offered by travel insurance for USA from India:
Not all risks that a traveller may face in the United States of America are covered under a travel insurance USA plan. Here is a list of exclusions of a travel insurance policy for the USA:
People who want to buy the best travel insurance from India to USA online can do so by visiting the official website of the insurance company. He can also buy a travel insurance USA plan online from an insurance aggregator like Policybazaar.com that allows him to compare different travel insurance plans before finding the most suitable one for his trip. After the plan has been selected, the traveller will have to fill up a proposal form and pay the visa fees online to obtain the travel insurance USA.
Most insurance companies in India offer the best travel insurance for USA from India. Following is the list of the best insurance companies in India that offer travel insurance USA plans:
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Official Name |
United States of America |
Number of states |
50 |
Capital |
Washington, D.C. |
Largest City |
New York City |
Largest University |
University of Central Florida |
Official Language |
English |
Currency |
US Dollars |
Time Zone |
7 |
Largest Hospital |
New York Presbyterian Hospital |
Most Visited City |
New York City |
The USA is a strict disciplinarian when it comes to entry essentials and stipulates intricate entry requirements for visa and passport. Those planning to travel from India to the USA must get well acquainted with the different aspects of visa and passport policies beforehand to ensure hassle-free trip to the USA.
Here’s a list of other different types of Visas that travellers can apply for when travelling to the USA depending upon their purpose of travel:
Purpose of Travel to the USA |
Types of Visa Required |
Foreign government officials and diplomats |
A |
Military personnel stationed in the U.S. |
A-2 |
Athletes competing for prize money, business visitors, domestic employees |
B-1 |
Patients, Tourists, |
B-2 |
Transit in the USA |
C |
Cabin Crew on US bound aircraft |
C-1/D |
Highly specialised professionals with specific industry knowledge |
H1-B |
Temporary workers for non-agricultural professions |
H2-B |
Information media representatives and journalists |
I |
Exchange visitors |
J |
Vocational students |
M-1 |
Entertainers, artists and athletes |
P |
Visa Procedure - In order to apply for visa, it makes sense to get acquainted with the different types of visas available for travelling to the USA. After selecting the suitable Visa type, you must complete the Non-immigrant Visa Electronic Application (DS-160) form.
Once you’re done filling the DS-160 form, pay the visa fee. After paying the visa fee, keep your receipt number and proceed to book your visa appointment. Create a profile for booking Visa appointment, login and schedule an appointment with Visa Application Centre and US Embassy or Consulate. Do well to carry the required documents and your proof of identity when going for your visa appointment.
Here is a list of locations of the US Embassy and Consulates in India:
Embassy/Consulate |
Address |
Phone Number |
|
US Embassy, New Delhi |
Shantipath, Chanakyapuri New Delhi - 110021 |
011-91-11-2347-2000 |
support- india[@]ustraveldocs[.]com |
US Consulate General, Kolkata |
5/1, Ho Chi Minh Sarani Kolkata - 700071 |
011-91-33-3984-2400 |
support- india[@]ustraveldocs[.]com |
US Consulate General, Chennai |
No. 220, Anna Salai Chennai - 600006 |
011-91-44-2857-4000 |
support- india[@]ustraveldocs[.]com |
US Consulate General, Mumbai |
C-49, G-Block, Bandra Kurla Complex Bandra East, Mumbai - 400051 |
011-91-22-2672-4000 |
support- india[@]ustraveldocs[.]com |
US Consulate General, Hyderabad |
Paigah Palace 1-8-323 Chiran Fort Lane, Begumpet Secunderabad - 500003 Andhra Pradesh |
011-91-40-40338300 |
Support- india[@]ustraveldocs[.]com |
3. Travel Insurance - Though it is not mandatory to buy a travel insurance plan when travelling to the USA, it makes sense to buy one as it helps you take care of any unforeseen expenses and travel-related emergencies. Typically, medical costs in the USA are much higher as compared to India and may easily dent your finances substantially in case you run into any medical problems while travelling to the USA. Here are some of the many benefits of travel insurance plans for people travelling to the USA:
Category |
Coverage |
Medical Coverage |
|
Medical Emergency Cover |
Emergency hospitalisation expenses, repatriation of mortal remains, emergency evacuation on medical grounds |
Personal Liability cover |
$ 1,00,000-2,00,000 (depending on plan type) |
Accidental death and disablement cover (24hrs.) |
$ 10,000-25,000 (depending on plan type) |
Accidental death and disablement cover (common carrier) |
$ 5000 |
Sickness Dental cover |
$ 300-1000 (depending on plan type) |
Deductible |
$100 |
Non-medical Coverage |
|
Loss of Baggage |
The compensation for loss of baggage is offered under the categories:
$50-500 after 12hrs of delay (depending on plan type) |
Loss of Important Documents |
$250 |
Flight delay/cancellation |
Due to the bad weather if the scheduled flight is delayed or cancelled, the loss is covered. 90% of insurance company offers outbound leg of the trip |
Baggage delay, after 12 hrs |
$50-200 |
Missed Connection |
covers outbound, inbound and connecting flights |
Trip Curtailment |
In case of cut-short of the trip duration, the expenses of unused part of the trip is covered up to $500-1000, depending on the plan type |
Concierge Services |
Some policies offer services like pre-travel visa, vaccinations, medical support, coordination etc. |
Home Burglary |
$1,00,000-2,00,000 |
Auto extension of policy up to 7 days |
Available |
Bounced hotel/flight bookings |
$500-1000 depending on the plan type |
Deductible |
$50 |
*Data culled from TATA AIG Travel Guard policy brochure. The coverage may vary from insurer to insurer.
Typically, the USA witnesses a torrent of visitors throughout the year. However, Spring months between April and June make for the best time to visit the country. Spring months of April to June make for a great time for outdoor sightseeing, partaking in exciting adventure sports, indulging in shopping spree or diving headfirst into the festival mania of the country. Summer months of June to August also make for a good time to visit the country. Winter months are usually not too conducive for outdoor sightseeing and can be avoided. No matter what season do you choose to travel to the country, don’t forget to buy one of the best USA travel insurance plans as sudden change of weather may prove cumbersome resulting in uncalled for medical expenses.
All major cities in the USA are well connected via rail, road and air transport medium. Typically, air travel is the most common mode of travelling within the country. Rental cars and transcontinental buses make for some other popular and economical modes of transportation within the country. Hitchhiking is not permitted in most parts of the USA.
Here’s a list of 5 popular airports in the USA for those travelling from India:
LOCATION |
AIRPORT |
Chicago |
O'Hare International Airport |
New York City |
John F. Kennedy International Airport |
Newark |
Newark Liberty International Airport |
San Francisco |
San Francisco International Airport |
Washington D.C. |
Washington Dulles International Airport |
Except for a few direct flights that travel to the aforementioned international airports in the USA, all other flights from India to the USA are connecting flights with short/long layovers. A survey by Capital One reveals that one out of every 7 travellers miss their connecting flights. Missing connecting flights, especially when travelling to the USA, may prove to be a daunting experience. This is where travel insurance for USA comes to your rescue. With missed connection coverage provided by USA travel insurance plans, you can easily take another connecting flight, without having to pay for the travel changes.
But that’s not all: according to a report, number one reason for lost luggage is missed connection. In fact, nearly half of the luggage that is lost is because it was unable to make a transfer between connecting flights. If your checked bag gets lost or misplaced between connecting flights to the USA, you will left in a lurch without your essential items. So it makes sense to buy international travel insurance for the USA beforehand to ensure adequate coverage for loss or delayed baggage.
The USA is comparatively larger country as compared to India. Owing to the diverse geographical setting of the country, the weather pattern and climate varies dramatically depending upon the location within the country. Typically, there are 4 major seasons in the USA:
The USA is exceedingly rich when it comes to tourist delights and sightseeing opportunities. It is perhaps one country that actually inspires tourists to wander around. You may choose to take a walk down the memory lanes at one of the many historic edifices. Discover picturesque neighbourhoods and explore serene corners that continue to tempt travellers from all over the world. Here’s a list of just some of the many top tourist spots in the USA.
It surely won’t be an exaggeration to say that the USA is the hub for shopping. The country is a shopper’s paradise and attracts heaps of tourists from around the world who believe in retail therapy. Whether it is fashion, antiques, furniture, jewellery or accessories - the USA is guaranteed to provide each and every holiday maker a variety of options. Shopping here is quick and easy! Let’s check out some of the top shopping attractions in the USA:
The USA is awash with superb and thrilling places to eat out, with a broad variety of every kind of food conceivable. Loads of modish locations and mammoth variety of admirable, mouth-watering menus provide nothing short of culinary nirvana. For those who like a touch a distinctiveness, there are numerous lunch or dinner cruises available. Here are just some of the many top dining attractions in the USA:
The USA is a popular tourist destination and this has ensured the presence of countless accommodation options across all categories. Hotels in the USA are relatively expensive, and most hotels in the USA do not provide refund upon cancellation, especially during the high travel season. Many travellers to the USA forgo travel insurance as they believe that it is a waste of money. On the contrary, travel insurance could be a lifesaver in the case of sudden trip cancellation to cover hotel costs.
Here is a list of some of the top hotels in the USA:
The Unites States of America promises something to every traveller from India, be it a culture vulture, a food fanatic, a shopping enthusiast, or an adventure seeker. From the glittering skyscrapers of the New York city to the rustic enigma of the Grand Canyon, the USA packs in everything and much more to bewitch all and sundry. Here’s a list of just some of the many must-have experiences for those travelling to the USA:
These are just some of the many must-have experiences for those travelling to the USA from India. Golden Gate Bridge, Times Square, and Grand Canyon are among some other exciting pursuits in the USA.
The USA is home to some of the best hospitals and medical facilities in the world. Quite obviously, a large number of patients from India travel to the USA for medical treatment. And this figure has only been increasing over the years. Here’s a list of some of the top hospitals in the USA:
Hotel prices |
$100-$500 per night |
Budget hotel prices |
$70-150 per night |
Average Cost of Food |
$20-$40 |
Transportation costs |
$3 per trip (Bus Fare) $30-$50 per trip (Taxi) $3-$5 per trip (Subway) |
Emergency Care |
Family Planning |
||
Ambulance Charges |
$400-$1200 |
Pre-Natal Care |
$100-$200 |
Air-Ambulance Fees |
$2000-$200000 |
Labour & Delivery |
$9000-$17000 |
ER Visits |
$150-$3000 |
Caesarean Section |
$14000-$25000 |
Urgent Care |
$50-$500 |
Postpartum Check-up |
$100-$200 |
Broken/Sprained Wrist |
$500+ Non-Surgical $7000-$10000 Surgical |
Breast Cancer |
$15000-$300000 |
Hip Fracture |
$13000-$40000 |
Pancreatic Cancer |
$50000-$200000 |
Sprained/Broken Ankle |
$2500+ Non-Surgical $17000-$35000 Surgical |
Brain Cancer |
$50000-$700000 |
Physical Therapy |
$50-$350 per session |
Melanoma |
$1800-56000 |
|
|
Bone Marrow Transplant |
$350000-$800000 |
Common Tests |
Medication |
||
MRI |
$1000-$5000 |
Diabetes Medication |
$200-$500 |
X-Ray |
$150-$3000 |
Cholesterol Medication |
$30-$350 |
Blood Test |
$100-$3000 |
Allergy Shots |
$20-$100 |
Cholesterol Test |
$50-$200 |
|
|
Surgeries |
|||
Brain Surgery |
$50000-$150000 |
||
Coronary Artery Bypass |
$70000-$120000 |
||
Hysterectomy |
$10000-$40000 |
||
Appendectomy |
$10000-$35000 |
||
Gall Bladder Removal |
$10000-$20000 |
||
Cataract Surgery |
$7200-$12000 |
||
Hernia Repair |
$3900-$12500 |
||
Tonsillectomy |
$4100-$6400 |
Average cost of medical treatment in the USA is costly. If you get unwell during your trip to the USA and need emergency care, you’ll need to spend a fortune. An ambulance to drop you to a hospital will cost around $400. If tests are required, you would need to spend an additional $100-$500. In case you’re advised hospital stay, you will need to shell out $1,000-$5000 from your pocket. Add to this this cost of medicines, and you’ll realize that you may end up losing over $7,000 or more. That’s why you must do well to buy the best overseas travel insurance plan. Remember, USA travel insurance plans provide you coverage for medical expenses while on trip to the country.
Embassy/Consulate |
Address |
Phone Number |
|
Embassy of India, Washington DC |
2107 Massachusetts Avenue, NW Washington, DC 20008 |
(202) 939-7000 |
consular[@]indiagov[.]org |
Consulate General of India, New York |
3 East 64th Street(Between 5th and Madison Avenues)New York, NY 10065 |
(212) 774-0600 |
consular[@]indiagov[.]org |
Consulate General of India, Atlanta |
5549 Glenridge Drive NE, Atlanta, GA 30342 |
(213) 213-5019 |
consular[@]indiagov[.]org |
Consulate General of India, Chicago |
455 North City Front Plaza Drive, NBC Tower Building, Suite No. 850, Chicago, IL 60611 |
(202) 939-7000 |
consular[@]indiagov[.]org |
Consulate General of India, Houston |
4300 Scotland Street, Houston, TX 77007 |
713-626-2148/9 |
consular[@]indiagov[.]org |
Consulate General of India, San Francisco |
540 Arguello Boulevard, San Francisco, CA 94118 |
(415)668-0662 | (415)668-0683 |
consular[@]indiagov[.]org |
A report on the US travel and leisure industry is set to release this week, providing insights into the current state of the USA’s economy. It will include trends on consumer spending, analysis and consequences of the US-China trade tensions along with any adverse impact from the stronger US dollar.
The report will be compiled on the basis of the data provided by several big hotels, online booking agencies, cruise lines as well as theme parks. Together they form the travel and tourism industry that contributes to nearly 3% of the total US economy
At a time when the manufacturing and industrial sector of the country is performing poorly, consumer spending is the only constant. This makes it important to know how much is the consumer actually spending, says Walter Todd from Greenwood Capital in South Carolina.
Although corporate earnings have been better than expected, there hasn’t been much profits. As per the IBES data from Refinitiy, the S&P 500 companies are expected to have declared a decline of 0.8% in third-quarter earnings.
Some of the travel and leisure companies under S&P 500 which are slated to submit their reports this week includes the Marriott International Inc, Host Hotels & Resorts Inc, Expedia Group, TripAdvisor, Booking Holdings Inc, Walt Disney and Norwegian Cruise Line Holdings.