Travel Insurance for USA

Travel Insurance for the USA

The USA is the most happening country globally, 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.

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

Is USA Visa mandatory for Indians?

Yes, USA Visa is absolutely mandatory for Indian passport holders. If you are an Indian passport holder, you will have to visit the USA embassy in India and apply for your USA visa by filling up the application form and submitting the necessary documents.

Should I buy Travel Insurance for USA?

Travel insurance for USA is strongly recommended to all 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 Care Health Insurance, 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.

Good travel insurance helps you cover even when your luggage is misplaced or stolen. Calamity could be referred to as an event resulting in significant loss and misfortune, so considering travel insurance is the wisest thing you can do to be stress-free.

Travel insurance for the USA will ensure that you are safeguarded under uncertain circumstances during your travel. Also, if you are travelling for further studies, then student travel insurance also assists you in times of crisis and saves you money.

* Treatment expenses that occurred due to adventure sports, hazardous activity and the influence of drugs or alcohol will not be covered.

Things to consider while selecting Travel Insurance for the USA from India

Following these tips to select travel insurance for USA to get the best coverage for your trip:

• Trip Duration: You set your travel budget taking the duration of your trip into account, likewise consider how long your stay in the country would be to customize your international travel cover; the USA travel insurance plan, for a short visit will not cost as much as that for a month-long trip.
• Nature of Your Trip: If you are on a holiday and planning to engage in adventure sports, check the optional benefits available that will cover unexpected expenses in case of an emergency. If you think there are travel risks, then make sure your plan gives you suitable coverage. Care doesn’t cover any injury happening due to adventure sports, hazardous activity and the influence of drugs or alcohol will not be covered.
• Check the coverage: Take a close look at the inclusions to know what is covered in the policy. The overseas US travel insurance plan comes with maximum benefits and an affordable premium. Go for a multi-trip policy if you plan for frequent trips.
• Review the Exclusions: While on a trip, you might not want to be surprised and learn that your travel plan does not cover certain expenses you assumed it would. 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. Saving important contact details on your fingertips saves crucial time. Also, check whether you can access cashless treatment in the destination where you are heading.

Always opt for the best travel Insurance for USA from India to be safe in a different country among different people.

How to choose the best Travel Insurance for the USA from India online?

Whether you are travelling 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 your trip needs to choose the right cover.

Eligibility for USA Travel Insurance

The eligibility* criteria for an international travel insurance plan will depend on the type of plan you have chosen for your trip. Check the eligibility below:

*Please refer to the policy documents

What does USA Travel Insurance cover?

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 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.
• COVID-19 Coverage: Our travel insurance plans also cover hospitalization in a foreign country due to coronavirus.
• Pre-existing Diseases: US Travel Insurance Plan will provide a 10% sum insured for treatment of pre-existing diseases in case of a life-threatening condition.
• Treatment in Home Country: If the doctors recommend that 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 for 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 travelling in a common carrier or public transport.
• Trip delays and cancellations: They can cost you thousands of rupees. Hence, our travel insurance policy for the USA covers your travel losses and gives you reimbursement for trip delay or cancellation, loss of passport, loss of international driving license, study interruption, and terrorist attack.
• Baggage Benefits: Airline goof ups are very common whenever you are travelling 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 and 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 that includes bail bond, cover accidental death, personal liability, compassionate visit, up-gradation to business class, lifelong renewability, and 24x7 customer support.

Visitor Insurance in the USA will keep you safeguarded during any contingencies and save you money and time whenever you are in crisis and needs adequate backup.

What does USA Travel Insurance not cover?

Our US travel insurance provides you with 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:

• Medical treatment has taken outside the Country of Residence if that is the sole reason or one of the reasons for the journey.
• Any Treatment, which could reasonably be delayed until the insured person's return to the country of residence.
• Any dental treatment or surgery unless necessitated due to an injury.
• Circumcision unless necessary for the treatment of an illness or as may be necessitated due to an accident.
• Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to congenital disabilities.
• Hormone replacement therapy.
• Weight management services and treatment, vitamins, and tonics related to weight control programs, services, and supplies, including treatment of obesity (including morbid obesity).

Why choose Care for USA Travel Insurance?

Care Health Insurance is known for its unparalleled services with commendable results over the years. If you plan to travel overseas, make sure you consider a company that gives you assured services on travel insurance plans. It is essential to understand the benefits you are provided.

Key coverage of Medical and Non-medical needs-

^Optional Benefit: Life-Threatening Condition Due To PED provides coverage for Pre-existing diseases for Life-Threatening Conditions under Hospitalization Expenses up to the limits mentioned in the Policy schedule.

Benefits of buying Travel Insurance for America from India

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. Here are some of the benefits of opting for the best travel insurance for the USA:

• Comfort: Having travel insurance cover for your USA trip will save you, especially senior citizens and students, from the stress of travelling.
• Protection in Medical Emergency: The policy provides coverage to help you get immediate medical attention.
• Compensation in case of Mishaps: The plan offers compensation to the nominee in case of uncertain death of the insured person.
• Covers you in other Contingencies: Trip delays and loss of belongings and documentation will be taken care of under the travel plan.
• Multi-Trip Policy: If you are a frequent flyer, you can avail of the multi-trip travel policy.
• Cashless Claim Settlement: You can apply for the cashless claim facility.
• Region-specific Plans: Our region-specific customized international travel insurance plans help you to relish your trip and leave all your travel worries with us.

Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

>>Food Items to Carry to United States from India

Why is Senior Citizen Travel Medical Insurance USA a must?

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 gives them financial security and makes it easy for them to avail themselves of the proper treatment at the right time.

Further, your elderly parents may find it difficult to manage certain situations, such as trip delays due to unforeseen circumstances or even misplaced checked-in baggage at the airport. That could also mean additional expenditures your parents might not have planned for and could be stressful. So, here is where the benefits of their overseas travel insurance plan come into the picture. It would provide coverage for all those expenses incurred, and save your parents by averting the financial strain.

During pandemic times it is always necessary to understand the importance of covid protection while you are travelling overseas. Care Health Insurance also offers comprehensive covid care plans along with your travel insurance to keep you armoured while you are on the go.

Health insurance for visitor in the USA will keep stress-free during their visit to the country.

Covid-19 guidelines for the USA for International visitors

The regulations during Covid-19 have been strictly enforced across the world to curb the spread of the virus. It is strictly recommended to not travel without being fully vaccinated wherever you go. All passengers entering the United States are also required to produce negative RT-PCR results no more than 3 days before travel or documentation of recovery from covid-19 in the past 3 months.

Tips to buy the best Travel Insurance for America from India online

Now you can get an international travel insurance plan for the USA from India online. Here are the quick steps to follow:

• Step 1: Visit our official website and select international travel insurance
• Step 2: Under the ‘Get Quote’ Section, enter relevant details
• Step 3: Customise your travel insurance policy
• Step 4: Pay the premium through a secure payment mode

You will receive the policy documents on your registered email-id.

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.

Here are the simple steps you should follow to file a claim under your USA travel insurance plan:

• In emergency hospitalization, notify us on the number given in the policy document.
• Submit the duly filled claim form along with the original bills of the expenses incurred.
• After successful verification by our claim management team, we will process your claim, subject to the policy terms and conditions.

The Indian Embassy in the USA

For any queries regarding anything while you are in the USA, you can visit at The Indian Embassy in the United States of America.

Chancery-I, 2107 Massachusetts Avenue, NW, Washington, D.C., United States of America.

Working Hours: Monday to Friday, 09:30 AM - 06:00 PM EST

Consular Services Timings: Monday to Friday, 10:00 AM to 12:30 PM

Disclaimer: Please read the brochure and prospectus to know more about our comprehensive travel insurance plans cover as conditions may vary.