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Travel Insurance for USA

  • Region Specific Plan to suit your need
  • Business Class Up-gradation
  • Double Sum Insured in case of Hospitalization due to Accident
  • Stay Safe and Travel Worry-free with Our International Plans
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    Secure your Travel to the USA with the Right Travel Cover

    The USA is the most happening country globally, but still not immune to infections, allergies, injuries, and crime. At the same time, healthcare in the US could cost you a fortune if you get sick or injured. Visiting there without overseas travel insurance could be a potential risk. Therefore, before heading out for the US, one must always consider buying US travel insurance to safeguard themselves from possible mishaps.

    Go through this informative page to acquire a USA travel guide and detailed information about travel insurance for the USA.

    Is it Mandatory to Get Travel Insurance for the USA?

    No, it is not mandatory to get travel insurance while traveling to the USA. However, it is highly advisable to travel to the country with comprehensive travel insurance given the high medical cost. Also, considering the fact that the trip is going to be a long one, the least you would want to encounter is a medical or non-medical emergency. With a US travel insurance policy, you can cover those unplanned expenses that may arise out of an emergency.

    Explore Platinum- Travel Insurance for the USA

    Care Health Insurance offers a comprehensive travel cover for the USA under Explore Platinum- an exclusively designed policy that looks after you while traveling either for vacation or business.

    Getting Care travel insurance is a thoughtful option if you are looking for the best America Travel Insurance. You can even get it online without any hassle of approaching the agents. It comes with numerous benefits to help you deal with unexpected medical and non-medical expenses in an unknown nation.

    Salient Feature of Travel Insurance for USA

    We've got you covered to make your journey joyous and stress-free regardless of your travel purpose. Summarizing below the benefits of opting for the best travel insurance for America:

    • Affordable Premium: The policy can be availed at an affordable premium.

    • Automatic Trip Extension: You can easily extend your USA travel insurance coverage for 365 days or for the maximum trip duration.

    • Compensation in case of Mishaps: The plan offers compensation to the nominee if any unfortunate incident or accidental death occurs.

    • Complete Protection: Non-medical emergencies such as trip delays, loss of checked-in baggage and other important documents, etc, will be covered under the travel plan.

    • Cashless Claim Settlement: It is one of the essential benefits where one can avail cashless claims during hospitalization at empanelled hospitals worldwide.

    USA Travel Insurance Plan at a Glance

    Description Explore Student Explore
    Sum Insured US $ 10K, 25K, 50K & 100K (Vary according to the premium) US $ 30K, 50K, 100K, 300K, 500K, and 1000K 

    Trip Options

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

    Yes

    Yes

    There are fixed policy tenure options of 1 to 24 months available under Student Travel Plans.
    Entry Age (Single Trip)

    Minimum
    Child- 1Day
    Adult- 18 Years

    Maximum
    Child-  24 Years
    Adult- Lifelong

    Every fixed-tenure policy involves the same eligibility criteria-

    Minimum
    12 Years

    Maximum
    40 Years

    Entry Age (Multi-trip)

    Minimum
    Child- 1Day
    Adult- 18 Years

    Maximum
    Child-  24 Years
    Adult- Lifelong

    Minimum
    12 Years

    Maximum
    40 Years

    What is Covered under Travel Insurance for the USA?

    When things go wrong, you are unlikely to have the means to deal with it efficiently in an unknown nation. Whether you lose your passport or need an emergency evacuation due to adverse health conditions, comprehensive travel insurance will come to your rescue.

    Below mentioned are the inclusions under USA’s Travel Insurance coverage:

    • Hospitalization Expenses: We cover your expenses in emergency hospitalization due to illness or injuries and compensate for the treatment of pre-existing diseases under life-threatening conditions.

    • Daily Allowance: We compensate for a specified amount per day for each day of hospitalization as In-patient Care for up to 5 consecutive days per claim.

    • 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 insurance.

    • Trip Cancellation & Trip Delay: Such disturbances are beyond anyone’s control but with our travel coverage , you can meet any essential expenses arising from the setback.

    • Loss of Passport & Checked-in Baggage: We may not get you your passport or luggage back, but we sure can cover the loss under this benefit subject to terms and conditions.

    • Baggage-Delay of Checked-in Baggage: We will reimburse you for the belongings in case of a delay in receipt of the checked-in-baggage beyond 12 consecutive hours.

    • Compassionate Visit: Under this plan you can have your family member by your side while you are in the hospital. Standard T & C apply.

    • Covid-19 Coverage: We will compensate for the expenses incurred due to the hospitalization for covid. However, there won't be any compensation for quarantining at home, hotel, or any other facility.

    What is not Covered under Travel Insurance for the USA?

    It is always wise to check your policy documents to understand the exclusions and be informed. Following are a few general exclusions under USA travel insurance policy:

    • Drug Misuse: Expenses arising out of or attributable to alcohol or drug use/misuse/abuse by the insured members during the course of the trip.

    • World War: Any medical or non-medical expenses arising out of national or international war or nuclear perils or consequences.

    • Self-inflicted Injury: Any intentional self-injury, suicide attempt, or any other form of harm to self leading to hospitalization or death.

    • Hazardous Activities: Any claims relating to hazardous activities like fire stunts, etc., otherwise not mentioned in the policy documents.

    • Breach of Law: Any liability or injury expenses arising out of any breach of law or particular regulations set by the destination country.

    • Dental Treatment: The expenses of any planned dental treatment or surgery unless necessitated due to any acute pain.

    *Refer to the policy documents for more details on exclusions.

    What is the Premium of the USA Travel Insurance?

    The premium that an insured person must pay will be based on various factors, including the age of the traveler, the country they are traveling to, trip duration, and the type of coverage selected. Travel Insurance offered by Care Health Insurance is affordable and budget-friendly. Our travel healthcare insurance premium for the USA starts from as low as Rs. 822* for a single traveler on a 7-day long trip.

    For instance, if you are traveling 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 $50k is calculated as below:

     

    Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
    1 30 years No $50, 000 11 Days Rs. 822*

     

    *The above-mentioned travel insurance premium is calculated that the insured members have not been diagnosed, hospitalized, or undergone 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.

    How to Calculate USA Travel Insurance Premium with Us?

    You can calculate America's travel insurance premium cost in below five easy steps:

    • Step 1: Fill in your contact information, including your mobile number, name, and email address, followed by the age of all the members to be insured.

    • Step 2: Click ‘Next" and select your travel destinations and travel date. Your policy period will be the same as the number of your travel days.

    • Step 3: Mention if the insured members are dealing with any pre-existing medical conditions.

    • Step 4: Choose the Sum Insured according to your need. Care Travel Health Insurance provides two sum insured options: $50k and $100k.

    • Step 5: Check your calculated premium and click ‘Buy Now’ to proceed.

    Please note: The premium charged under the policy depends upon the sum insured, trip duration in days, the scope of geographies covered, type of trip, cover type, the individual's health status, and plan opted by the customer.

    Things to Keep in Mind Before Buying USA Travel Insurance

    When selecting travel insurance for America, you must ensure that the plan suits your requirements. Here are the factors to be considered:

    • Nature of the Trip: Frequent fliers should opt for annual plans; others should go for a single trip plan.
    • Trip Duration: The shorter the trip, the lower will be the premium based on the number of days spent.
    • Medical History: If you have any serious ailment, ensure that your policy covers it.
    • Check the Coverage: Take a close look at the inclusions to know what is covered. The overseas US travel plan has maximum benefits and an affordable premium.
    • Review the Exclusions: While claiming your policy, you might not want to be surprised, hence, read the exclusion and plan your budget.
    • Know the Claims Procedure: Make sure you know the procedure to notify the insurer and file a claim.

    Insurance Claim Procedure

    claim process claim process

    What are the Types of Visas for the USA?

    The purpose of your travel and other facts will determine what kind of visa is required under U.S. immigration law. You will have to ensure that you meet all requirements to receive the visa category you intend to apply for. When you apply at a U.S embassy or consulate, they will determine, as per the laws, whether you are eligible to receive a visa and, if so, which visa category is appropriate. Below-mentioned is the types of Visas required for USA:

    Nonimmigrant Visa

    • Student: Academic and Vocational,
    • Specialty occupations in fields requiring highly specialized knowledge,
    • Tourism, vacation and pleasure for visitors, and more.

    Immigrant Visa

    • Spouse of a U.S. Citizen,
    • Spouse of a U.S. Citizen awaiting approval of an I-130 immigrant petition,
    • Fiancé(e) to marry U.S. Citizen & live in the U.S, and more.

    Important Documents Required for USA Visa Application

    The below are several steps to applying for a Visa for every country. The order of these steps and the process may vary by U.S. Embassy, or Consulate:

    • Passport: It must be valid for at least 6 months beyond your period of stay in the United States.

    • Non-immigrant Visa Application: You must complete the online visa application and print the application form confirmation page to bring to your interview.

    • Photo: Upload your photo while completing the online form DS-160.

    • Schedule an Interview: Interviews are generally required for US visa applicants with 8 limited exceptions.

    Steps to Apply for US Visa

    One should always be sure about the steps while applying for a Visa so that nothing goes wrong in the process. Follow the below-mentioned steps if you are planning to apply for US Visa:

    • 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 embassy.
    • Step 5: Compile the documents file and make sure every document is in place.
    • Step 6: Attend the visa interview.
    • Step 7: Wait until your visa processing starts.

    Important Facts about USA

    Places to visit in USA Empire State Building, Statue of Liberty, The Chrysler Building, Central Park, The High Line, Times Square, 5th Avenue, Broadway and many more.

    The ideal time to visit USA
    September-October.
    Currency USD
    Indian Embassy in USA Consular wing address- 2536 Massachusetts Avenue, NW Washington, DC 20008
    Chancery Address- 2107 Massachusetts Avenue, NW Washington, DC 20008

    FAQs on Travel Insurance USA

    Q. How do I get a travel insurance policy for USA Travel?

    You can get USA travel insurance by visiting our website and selecting international travel insurance. Then you must enter your personal information and choose the level of coverage you require.

    Q. Which Sum should be Insured for Individual Travel Insurance Plan?

    Opt for the Sum Insured that will best protect you in the event of an emergency. We recommend the same based on your country of the visit because average medical treatment costs differ by country.

    Q. Does the policy cover pre-existing diseases?

    Pre-existing diseases are not covered under this policy. A 'Pre-Existing Illness' is one that the person already has before purchasing the policy.

    ^^Number of Cashless Healthcare Providers till 25th March 2022

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