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Travel Insurance for US

A Quick Guide on US Travel Insurance


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About US

Travel Insurance

The US is the most happening country across the globe, but still not immune to infections, allergies, injuries, and crime. At the same time, healthcare is also expensive there. Visiting there without overseas travel insurance is a risk. Therefore, before heading out for the US, one must always consider buying US travel insurance to safeguard themselves from possible mishaps. Comprehensive international travel insurance gives you protection against medical and non- medical emergencies that you or your travel companions can face during your stay in a foreign country. Read below some important reasons why you should opt for US Travel Insurance:

  • Maximum Coverage of all travel risks
  • Emergency Cashless Hospitalization
  • Repatriation To Home Country
  • Emergency Transportation and Medical Evacuation
  • Obtain a duplicate copy in case of loss of passport and other important travel documents
  • Trip Delay and Cancellation Reimbursement
  • 24*7 Customer Support Service
  • Financial Security
  • Peace of Mind

Is US Travel Insurance Mandatory?

It is not mandatory to have US travel insurance while visiting America, but it is definitely recommended! Buying travel insurance for US not only enables you to address medical emergencies, but it also provides for occurrences like flight delays. It is important to note that some types of visas are only approved if the holder has a valid travel insurance plan for USA, such as a J-1 visa which is meant for work-related purposes.

Travel insurance for US is strongly recommended to all the foreign nationals, including Indians planning to visit there for tourism, business, or study purposes. However, it is not mandatory to get it to obtain a US visa. But, travel disruptions, health issues, airline goof-ups, natural calamities, terrorism, and crime can hit you anytime in a foreign land. Therefore, international travel insurance gives you financial security and brings peace of mind to you. At, Religare you can opt for a comprehensive travel insurance plan that covers your medical and non-medical emergency expenses and support you when you are away from your home country.

What is Covered in US Travel Insurance?

Do not let uncertainties deter your enjoyment in the USA. Opt for our exclusively designed region-specific international travel insurance plans that offer the following benefits.

Medical Benefits

Medical treatment in the USA can drain all your money. Health insurance protects you from owning a lot of money to doctors if you fall sick in the US. Read below what all it covers:

  • In-patient Hospitalization: It bears the expenses for both in and out-patient treatment in an emergency.
  • Cashless Hospitalization: You will get immediate cashless hospitalization in the USA during medical emergencies.
  • Pre-existing Diseases: US Travel Insurance Plan will provide a 10% sum insured for treatment pre-existing diseases in case of a life-threatening condition.
  • Treatment in Home Country: If recommended by the doctors you require further treatment in your home country, we give you the coverage for expenses up to 30 days or up to the policy end date, whichever is earlier.
  • Medical Evacuation: You get the cover of up to USD 10,000 during emergency transportation and medical evacuation to provide appropriate treatment.
  • Common Carrier Accidental Death: We give a lump sum amount as compensation if the insured person loses life while traveling in a common carrier or public transport.

Travel Benefits

Trip delays and cancellations can cost you thousands of rupees. Hence, our travel insurance policy for the USA covers your travel losses and gives you reimbursement for the following:

  • Trip Delay or Cancellation
  • Loss of Passport
  • Loss of International Driving License
  • Study interruption
  • Terrorist attack

Baggage Benefits

Airline goof ups are very common whenever you are traveling abroad. But, thankfully, our overseas travel insurance plans give you baggage benefits for:

  • Loss of Checked-in Baggage
  • Delay in Checked-in Baggage
  • Loss of laptop/Tablet
  • Breakage or Theft

Additional Benefits

Nonetheless, travel insurance is your savior that protects you from untoward incidents during your journey. Our plans have additional benefits as well to ensure your smooth trip. Read below its additional benefits:

  • Bail Bond
  • Cover Accidental Death
  • Personal Liability
  • Compassionate Visit
  • Up-gradation to Business Class
  • Lifelong Renewability
  • 24X7 Customer Support

What is Not Covered in US Travel Insurance?

Our US travel insurance provides you the maximum coverage against all your travel risks. However, there are some situations guided by IRDAI as exclusions. These are the conditions that are not covered under travel insurance and you cannot file the claim. You can read below the exclusions:

  • Treatment costs of diseases such as HIV/AIDS/ other transmitted diseases.
  • Treatment expenses incurred due to adventure sports, hazardous activity, the influence of drugs, or alcohol, or consequences of war/nuclear perils.
  • Costs incurred due to exposure to ionizing radiation or contamination.
  • Expenses occurred due to the treatment of self-inflicted injury, suicide, etc.
  • Any liability related to any professional services offered by the insured.
  • Expenses incurred by engaging in business activities.
  • Costs incurred due to ownership of any aircraft, watercraft, motor vehicle, etc.
  • Personal liability of the insured towards another individual (whether personal, official, or commercial).
  • Costs incurred due to wrongful detention, false arrest, wrongful eviction, defamation, or mental trauma and shock resulting from such situations.

Benefits of US Travel Insurance

Untoward incidents can happen anywhere, anytime during your trip to the US. Therefore, you should secure yourself and your travel companions with a comprehensive travel insurance plan. Our region-specific customized international travel insurance plans help you to relish your trip and leave all your travel worries with us.

How to Choose the Best US Travel Insurance Online?

Whether you are traveling for the first time to the US for studies or you are a seasoned traveler, it is always wise to protect yourself with an international travel insurance policy. So, if you are looking to buy travel insurance online, here you can go for our comprehensive region specific plans and consider these below factors to choose the right cover.

Travel Insurance for Parents Visiting USA

It is always prudent to opt for travel medical insurance for elderly people if they are visiting the USA either for tourism, treatment or to meet their children. Covering a long-distance journey in a day can be a problem for old aged parents. They are more vulnerable to jet-lag, nausea, infection, allergies, and stroke. Additionally, medical treatment can create holes in their pockets; therefore it’s good to protect them with comprehensive travel insurance. It not only gives them financial security but also makes it easy for them to avail of the right treatment at the right time.

FAQs on US Travel Insurance

Is there any medical test required before buying travel insurance for the US?

No, there is no medical test required before buying a travel insurance plan for USA. You do not need to get into any medical examination before opting for our region-specific international travel insurance plan.

Can I Buy US Travel Insurance if I am going for a short term course in the USA?

Yes, you can buy our US Travel Insurance plan and secure your short trip. The duration of our overseas travel plan is 1-3, 6-9, 12-15, 18-24 months. The minimum age to buy our travel insurance policy for the US is 12 years, and it can be extended to 40 years. The sum insured ranges between $50, 000 to $ 10, 00,000. It is only for a single student who wants to go abroad for studies. You cannot cover your family members in this plan.

Can I buy US Travel Insurance for my Parents?

Yes, you can buy US travel insurance for your parents. We offer the following benefits under our overseas travel insurance plans:

  • Cashless Hospitalization
  • In-Patient and Out-Patient Treatment
  • Daily Allowance for Hospitalization
  • Medical Evacuation
  • Air Ambulance
  • Surgical Dental Treatment
  • Personal Accident
  • Treatment for Mental and Nervous Disorders
  • Treatment for Alcoholism and Drug dependency

Which Travel Insurance is Best for traveling USA from India?

If you are heading to the USA from India, then Religare offers you the best US travel insurance plans. It not only gives you complete coverage but also provides you financial security when you are traveling to the US. Read below the key features of our US travel insurance plans:

  • Cover in and out-patient treatment in an emergency
  • Cashless hospitalization during medical emergencies
  • Treatment of a life-threatening condition for pre-existing diseases
  • Cover expenses for treatment in the home country
  • Medical evacuation to provide appropriate medical facility
  • Lump-sum amount as compensation in case of common carrier accidental death
  • Cover trip delay or cancellation
  • Bear the cost of obtaining the duplicate copy in case of loss of passport
  • Reimbursement up to the sum insured in case of checked-in baggage
  • Worldwide acceptance of travel insurance
  • Up-gradation to business from economy class
  • No maximum age limit even 1-day old child can cover
  • 24*7 customer support services

How to Claim US Travel Insurance?

God forbid! If you encounter any medical or non-medical emergency in the USA, then hassle-free claim settlement is the first thing you are looking for. Therefore, it is vital to understand the claim process that can be done either as a cashless facility or reimbursement. With us, the claim settlement process is easy and simple.

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