Coverage for life-threatening PED conditions##

USA Travel Insurance

Planning a trip to the USA? Safeguard your journey with comprehensive travel insurance. Get coverage for unexpected medical expenses, lost luggage, and other unforeseen events.

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Anjali Sharma
Written by:
Anjali Sharma
Anjali Sharma
Anjali Sharma

Insurance Expert

A skilled Insurance Specialist with expertise in writing and research in diverse fields like medical and insurance. Adeptly crafts clear and engaging content. With a strong understanding of complex terminology and regular guidelines, creating informative articles, blog posts, and marketing materials that resonate with the target audience.

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Rashmi Rai
Rashmi Rai
Rashmi Rai

Insurance Specialist

Rashmi is an insurance specialist with a passion for storytelling. As an insurance sector wordsmith, she brings out a unique perspective and seamlessly explains the mundane terminologies of insurance. Apart from talking about insurance, Rashmi is an avid reader who finds it fun to explore various health and travel topics and explain it to our audience through our platform.

What is Travel Insurance for the USA?

USA Travel Insurance is a travel policy that covers you from unforeseen mishaps that might otherwise bring financial strain to your trip budget. When you think of the USA, you’re probably imagining iconic landmarks like the Statue of Liberty, bustling cities like New York, or breathtaking natural wonders like the Grand Canyon. Planning a trip to the USA can be incredibly exciting, but ensuring you’re prepared for the unexpected is essential.

Thus, visiting the USA without overseas travel insurance could be a risk. Therefore, before heading out for the US, one must always consider buying travel insurance for USA trip to ensure financial safety for oneself from mishaps.

Select from the Best International Travel Insurance Plans

  • EXPLORETravel Insurance Plan for Cross-border Trips
  • Student ExploreTravel Insurance to Secure Your Study Trip Abroad

Explore

  • Coverage for Pre-existing Diseases in Life-threatening Conditions
  • Trip Cancellation & Interruption Cover
  • Loss of Baggage Covered
  • Automatic Trip Extension in Medical Emergency
  • Cover Amount$50,000
  • Starting At₹28.98/day
  • Buy Now

Student Explore

  • Medical coverage extended to the country of residence
  • Coverage for Study Interruption
  • Medical Evacuation
  • University Insolvency
  • Cover Amount$5,00,000
  • Starting At₹62.88/day
  • Buy Now

Features of USA Travel Insurance

At Care Health Insurance, we offer one of the best travel insurance for USA, here are the key features tabulated below:

Parameter Definition
Affordable Premium Travel insurance for USA premiums start from as low as INR 474~ for a week-long journey for an individual with no pre-existing disease. The plan ensures optimum coverage during your trip, while also ensuring comfort for your trip budget.
Automatic Trip Extension Suppose you must extend your stay in the USA due to a natural calamity, hospitalisation, or death. In that case, the international health travel insurance for United States automatically extends the duration of your policy for up to 7 consecutive days.
Cashless Claim Processing Care Health Insurance is powered by UnitedHealth Group (UHG), in partnership with Falck. This ensures hassle-free cashless hospitalisations at the vast network of hospitals in the USA.
All-inclusive Protection Whether you have missed your checked-in baggage or lost your passport in a burglary during your trip to the USA, Care travel insurance helps by being your financial backup.

USA Travel Insurance: Plan at a Glance

Travelling to the USA can open doors to great experiences, but protecting yourself from unexpected situations is essential. Start by selecting the type of holiday insurance for USA plan that best suits your needs: individual, family, or student travel insurance. Next, decide whether you need insurance for a single trip or multiple trips throughout the year. The Explore travel insurance for the USA from Care Health Insurance offers comprehensive coverage. It provides peace of mind to travellers and takes care of their health and safety while they explore the world.

With flexible coverage options, the Explore plan is perfect for different types of travellers. Now, you can choose the level of protection that best suits your needs. The plan is divided into three options: Silver, Gold, and Platinum. Each plan offers unique coverage, with personalised benefits to ensure your peace of mind, no matter your destination.

Description Explore: Silver, Gold, and Platinum
Sum Insured US $ 25K, 50K, 100K, 200K, 300K & 500K (Vary according to the premium)

Trip Options

  • Single Trip
  • Multi-trip (Policy will be on an annual basis)

 

Yes

Yes

Entry Age (Single Trip)

Minimum: Child- 1Day; Adult - 18 Years

Maximum: Child- 24 Years; Adult - Lifelong

Entry Age (Multi-trip)

Minimum: Child- 1Day; Adult - 18 Years

Maximum: Child- 24 Years; Adult - Lifelong

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

Types of Travel Insurance for the USA

When planning your trip to the USA, it is important to choose the right travel insurance for travel to the USA that fits your needs. Different types of insurance plans provide various levels of protection, so it is essential to consider what is most important for your trip. Based on your needs, you can select from a variety of options.

Here’s a breakdown of the most common types of USA travel insurance:

Individual Travel Insurance

This plan is ideal for solo travellers. It covers unexpected situations such as medical emergencies, trip cancellations, lost luggage, and accidents that may happen during your trip.

Family Travel insurance

If you're travelling with your family, instead of buying separate travel insurance for US travel for each family member, the family travel insurance covers everyone under a single policy, making it more affordable and convenient.

Student Travel Insurance

This is an ideal plan for students travelling to the USA for higher studies. The plan covers medical expenses, study interruptions, lost belongings, and other unforeseen events, ensuring you can focus on your studies without having to worry about the unforeseen.

Senior Citizen Travel Insurance

Older travellers have specific needs, and this insurance plan is designed to cover those needs. The senior citizen travel insurance plan covers unexpected medical costs, life-threatening conditions due to PED, trip cancellations, lost luggage, and other emergencies that could arise while you’re travelling.

Single-trip Travel Insurance

This plan is a good choice if you’re taking a one-time trip to the USA. The single-trip travel insurance covers medical emergencies, cancellations, delays, lost baggage, and personal liability for the entire trip.

Multi-Trip Travel Insurance

Annual travel insurance plan offers excellent value if you travel often. It covers multiple trips throughout the year at a lower cost. It is great for frequent travellers and can save you from hassles caused by managing multiple policies for individual trips.

 

What is Included and Excluded in Travel Insurance Coverage for the USA?

When an unprecedented mishap occurs, you are unlikely to have the means to deal with it efficiently in a country abroad. Here, your overseas travel insurance for the USA will come to your rescue. Below are the inclusions and exclusions that Care Health Insurance’s travel medical insurance provides:

  • Inclusions
  • Exclusions
  • Hospitalisation Expenses: We cover your expenses in case of emergency hospitalisation due to illness or injury and compensate for the treatment of pre-existing diseases under life-threatening conditions.
  • Daily Allowance: At Care Health Insurance, we compensate a specified amount if the insured is hospitalised under inpatient care for up to 5 consecutive days of hospitalisation.
  • Personal Accident: We will indemnify in the event of the insured person's death or Permanent Total Disablement (PTD) due to accidental injury during the period of trip insurance for the USA.
  • Trip Cancellation & Trip Delay: Trip hiccups such as trip cancellations and trip delays are beyond anyone’s control, but with our travel coverage, you can get covered for essential expenses arising from the setback.
  • Loss of Passport & Checked-in Baggage: We may not prevent hiccups such as loss of passport or checked-in luggage, but we can financially support you while you retrieve your belongings under our travel insurance for a trip to the USA.
  • Delay of Checked-in Baggage: We will reimburse you for the hassles caused by a delay in receiving checked-in baggage beyond 12 consecutive hours.
  • Compassionate Visit: If you are travelling alone, encounter an emergency hospitalisation and need a companion from your home country by your side, your travel insurance from Care Health Insurance can be of help. In such dire situations, your travel insurance shall reimburse a family member's economic class ticket fare for the shortest travel route.
  • COVID-19 Coverage: If you purchase a travel insurance plan for the USA through Care Health Insurance, you will be covered for expenses incurred due to the COVID-19 infection. For complete details of coverage, please refer to the plan brochure for travel insurance for the USA.
  • Drug Misuse: Any mishaps resulting from the involvement of alcohol or drug use/misuse/overuse shall not be covered in the travel insurance plan.
  • World War: Any losses, whether medical or non-medical, that occur during a national /international or nuclear war shall not be addressed in claims in the travel insurance for the US trip.
  • Self-inflicted Injury: Injuries or medical emergencies caused by self-harming activities, such as suicide attempts, shall not be indemnified in the plan.
  • Hazardous Activities: The USA trip insurance plan does not cover claims involving accidents due to hazardous activities, such as fire stunts or activities that are not mentioned in the policy’s brochure or prospectus.
  • Breach of Law: Expenses such as liability or injury shall not be covered if they are addressed as a “breach of law” under the rules and regulations of the destination country.
  • Dental Treatment: Dental surgery will not be reimbursed unless a doctor determines it necessary due to acute pain.

*Refer to the policy documents for more detailed information regarding the Coverage.

Benefits of USA Travel Insurance

The travel insurance to the States comes with many benefits, providing possible financial protection across various issues. Let us discuss the key benefits of USA travel insurance:

  • 24/7 Emergency Support: International travel insurance for the USA usually includes round-the-clock emergency assistance, such as help with finding medical care and receiving safety guidance.
  • Peace of Mind: With coverage for emergencies, delays, and cancellations, you can relax and fully enjoy your States experience without worrying about potential mishaps that may come along the way!
  • Confidence to Explore: The travel health insurance for USA empowers you to confidently visit remote areas, knowing you have protection in case of accidents or unexpected situations.
  • Adventure Cover: Many plans offer specific coverage for adventurous activities in the USA.
  • Reliable Third-Party Support: Yourf often utilises third-party service providers dedicated to offering dependable emergency support, faster response times, and quality services, adding a crucial layer of security to your coverage.

What is the Premium of the Travel Insurance for the USA from India?

The premium that an insured person must pay will be based on various factors, including the age of the traveller, the country they are travelling to, trip duration, and the type of coverage selected. The travel and health insurance for the USA offered by Care Health Insurance is a budget-friendly plan to suit all the insured's needs. Our travel medical premium for the USA starts from as low as Rs. 474~ for a single traveller on a 7-day trip. You can use the Travel Insurance Premium Calculator to calculate the cost of your travel insurance premium.

For instance, if you are travelling from India to the USA for 7 Days, a one-time visit, the approximate premium cost of your travel insurance with a sum insured of $25k is calculated as below:

Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 24 years No $ 25,000 7 Days ₹474~

*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Factors Affecting the Premium of USA Travel Insurance

When selecting travel insurance for America, you must ensure the plan suits your requirements without derailing your budget. Here are the factors to be considered:

  • Nature of the Trip: Whether you are travelling for leisure or are a frequent flyer, the nature of the trip significantly affects the plan’s premium. Frequent flyers should opt for multi-trip plans whereas occasional travellers must choose a single trip travel insurance.
  • Trip Duration: The trip duration also affects your plan's premium. Higher your travel duration, higher the premium.
  • Medical History: Life-threatening conditions due to pre-existing diseases may be burdensome. Therefore, the premium increases to cover the expenses incurred in treating such mishaps.
  • Check the Coverage: Evaluate the coverage section to understand what is covered. Remember that more coverage means a higher premium. It is advisable to read the policy’s fine print beforehand.
  • Review the Exclusions: To avoid surprises when claiming your policy, always read the plan's exclusions and plan your budget accordingly.
  • Know the Claims Procedure: Ensure you know the procedure to notify the insurer and file a claim.

How to Buy a Travel Insurance Policy for the USA Online?

Buying travel health insurance for USA is simple and can be done in just a few steps. Here's how:

1

Step 1

Visit the travel insurance quote page. Enter your travel destination and duration. Check the available sum insured and then click "Buy Now."

 
2

Step 2

Complete the KYC process and enter the details of the person buying the insurance. When you're done, click "Next."

 
3

Step 3

Enter the information of the person being insured. If anyone has any existing medical conditions, mention them here.

 
4

Step 4

After filling in the details, make the payment. Your travel insurance policy documents will be immediately sent to your registered email and phone number.

 

Documents Required to Travel from India to the USA

Travelling from India to the USA requires specific documents, primarily a valid US visa and a passport. The documents you need can vary slightly depending on the purpose of your visit (tourism, business, study, work, etc.).

  • Valid Indian Passport: Must be valid for at least six months beyond your intended stay.
  • US Visa: The appropriate visa type (e.g., B-1/B-2, F-1, H-1B) obtained in advance.
  • DS-160 Confirmation Page: Print out your non-immigrant visa application confirmation.
  • Travel Itinerary: Flight bookings (round-trip), accommodation details, and planned activities.

How to Apply for a USA Visa from India?

To ensure that you do not get rejected while applying for a visa to the USA, you must abide by all the rules and regulations. By following the steps below, you can ensure a successful visa application:

Step 1: Choose the type of Visa you wish to apply for.

Step 2: Fill in the non-immigration visa application form.

Step 3: Pay your US visa application fee online.

Step 4: Schedule your visa interview with the embassy.

Step 5: Compile the documents file and ensure everything is in place.

Step 6: Attend the visa interview.

Step 7: Wait until your visa processing starts.

Documents Required for the USA Visa

To apply for a US visa from India, you will generally need the following documents:

  • Your Indian Passport: Make sure it's valid for at least six months beyond your planned stay in the US, and has a couple of blank pages for the visa.
  • DS-160 Confirmation Page: This is your proof of completing the online non-immigrant visa application form. 
  • Visa Fee Payment Receipt: You must show you've paid the visa application fee.
  • Recent Photo: Provide a passport-style photograph, taken within the last six months, meeting US visa photo requirements.
  • Visa Interview Appointment Confirmation: Bring the letter or email confirming your scheduled interview at the US Embassy or Consulate.
  • Financial Proof: Evidence that you can cover your trip's expenses. This often includes your Income Tax Returns (ITRs), recent payslips, or bank statements (typically for the last three to six months).

How to File a Claim Under the Travel Insurance for the USA?

The claim settlement team at Care Health Insurance ensures that you do not have to go through unnecessary rejections while filing a claim. The team also ensures that you get appropriate answers for rejections, if there are any.

claim procedure claim procedure

USA Travel: Safety & Precautions

The United States is known for being a tourist-friendly nation, offering top-notch facilities and a generally safe environment. With that being said, keeping a few key travel tips in mind can help you make the most of your journey:

  • Stay Street-Savvy: Popular tourist areas are well-lit and regularly patrolled by police, making them relatively safe. However, avoiding venturing into isolated or less crowded neighbourhoods is wise, especially after dark.
  • Power Up with the Right Plug: To avoid charging troubles for your electronic devices, use a universal travel adapter, as in the US,  two-pronged plugs with 110V AC are most commonly used.
  • Drive Safely and Smartly: Car crimes are uncommon, but if you rent a vehicle in the states, avoid stopping in poorly lit or deserted areas. In case of an accident or emergency, call 911 immediately.
  • Emergency Contact: The national emergency number in the US is 911; keep it handy for urgent assistance.
  • Stick to Your Visa Rules: Ensure you know your visa’s expiration date and don’t overstay your permitted duration. Even a short overstay can lead to issues with future travel.
  • Don’t Skip Travel Insurance: Before you head out, invest in comprehensive medical insurance for visitors to USA from India. It is a smart way to protect yourself from unexpected medical costs, trip delays, or emergencies.

The Indian Embassy in the USA

Some emergencies can go beyond regular help. Suppose you're in a crisis requiring diplomatic intervention. In that case, you must get in touch with the Indian Embassy in the US through the following means:

Office Name Working Hours Address
Embassy of India Indian Embassy, Washington, D.C. Mon-Fri: 9:00 AM - 5:30 PM 2101 Wisconsin Ave NW, Washington, D.C. 20007
Consulate General of India New York City Mon-Fri: 9:00 AM - 5:30 PM 3 East 64th Street, New York, NY 10065
Consulate General of India San Francisco Mon-Fri: 9:00 AM - 5:30 PM 540 Arguello Blvd, San Francisco, CA 94118
Consulate General of India Chicago Mon-Fri: 9:00 AM - 5:30 PM 455 North Cityfront Plaza Dr, Chicago, IL 60611
Consulate General of India Houston Mon-Fri: 9:00 AM - 5:30 PM 4300 Scotland St, Houston, TX 77007

Best Time to Visit the USA

The USA sees a steady stream of tourists throughout the year, but the ideal time to visit is during the spring months from April to June. With mild weather and nature in full bloom, spring is perfect for outdoor sightseeing, adventure sports, shopping, and experiencing the vibrant festival culture across the country. Summer, from June to August, is also a great time to explore, offering lively cities and a full calendar of events, though it comes with larger crowds and higher travel costs. On the other hand, winter is less suited for sightseeing due to cold weather and potential travel disruptions, unless you're specifically looking for snow-filled adventures.

International Airports in the USA

You might think all flights from India go straight to the US, but that's not usually the case. Only a handful of direct flights head to a few big US international airports.

Airport City IATA Code
Hartsfield-Jackson Atlanta International Airport Atlanta ATL
Los Angeles International Airport Los Angeles LAX
John F. Kennedy International Airport New York City JFK
Chicago O'Hare International Airport Chicago ORD
San Francisco International Airport San Francisco SFO
Miami International Airport Miami MIA
Dallas/Fort Worth International Airport Dallas/Fort Worth DFW
Denver International Airport Denver DEN
Seattle-Tacoma International Airport Seattle SEA
Washington Dulles International Airport Washington, D.C. IAD

Best Places to Visit in the USA

From iconic city skylines to nature’s grandest masterpieces, the United States offers an endless treasure trove of travel adventures. Whether you crave bustling urban energy or serene escapes, this country promises something extraordinary at every turn. 

Here’s a handpicked selection of must-visit destinations that continue to captivate globetrotters across the globe:

  • New York City – The City That Never Sleeps: New York is a sensory feast shaped by movies, theatre, and towering architecture. Wander through the legendary 5th Avenue, feel the buzz at Times Square, or admire the timeless beauty of the Statue of Liberty and the Empire State Building.
  • Grand Canyon – Nature’s Majestic Masterpiece: Carved by time and the Colorado River, the Grand Canyon is a breathtaking chasm that stirs the soul. Most visitors head to the South Rim to take in panoramic views that stretch beyond imagination.
  • San Francisco – Where Charm Meets Innovation: Set against the rolling hills of California, San Francisco is a perfect blend of historic elegance and modern allure. From the striking Golden Gate Bridge to the haunting tales of Alcatraz Island and the vibrant energy of Fisherman’s Wharf, the city is packed with postcard moments.
  • Washington D.C. – The Heartbeat of American History: This political powerhouse doubles as a cultural haven. Explore the grandeur of the Capitol Building, gaze at the White House, and lose yourself in the rich exhibits of the Smithsonian Museums.
  • Yellowstone National Park – Earth’s Living Canvas: Yellowstone is a sprawling wilderness alive with natural drama. Discover geysers, hot springs, dense forests, and deep canyons. Highlights include the iconic Old Faithful, the technicolour Grand Prismatic Spring, and the tranquil Lamar Valley teeming with wildlife.
  • Walt Disney World Resort – Where Dreams Come True: A trip to Disney World is pure magic, regardless of age. With thrilling rides, enchanting characters, and immersive experiences, this Orlando-based wonderland draws over 17 million visitors annually.
  • Waikiki Beach – Island Bliss in Hawaii: If paradise had an address, it might be Waikiki. Located on the Hawaiian island of Oahu, this golden-sand beach offers crystal-clear waters, gentle waves for surfing, and unforgettable sunsets.
  • Las Vegas – The Ultimate Entertainment Playground: This desert gem is a mecca for nightlife, casinos, world-class performances, and larger-than-life experiences.

Things to Do in the USA

In the USA, there are countless experiences in which you can be immersed. Here are a few for you to do on your visit to make the trip memorable:

  • Explore iconic theme parks: Experience the magic at Disneyland and the thrill of Universal Studios, two of the most famous theme parks in California and Orlando, that are perfect for families and fun-lovers alike.
  • Savour diverse cuisines: From flavorful street food to world-class fine dining, the USA is a paradise for food lovers. Try local favourites or treat yourself at Michelin-starred restaurants across the country.
  • Live the Hollywood dream: Head to Los Angeles for an authentic taste of Hollywood. Walk down the Walk of Fame, tour legendary studios, and soak in the glamour of the world's entertainment capital.
  • Surf and soar in Hawaii: Hawaii is not just about surfing; it is an adventure hub offering parasailing, hiking, helicopter tours, and more. It is a must-visit for beach lovers and thrill-seekers.

International Travel Insurance for Most Visited Countries

Note: The per-day premium has been calculated for an individual aged 24 for a 90-day trip, with starting coverage available in that region.

FAQs on Travel Insurance USA

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Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.

^^Number of Travellers Served till Jan'25

**Number of Claim Amount Paid as of Apr'25

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.