Visitors Insurance for the USA from India

What is Visitor Insurance for the USA?

To put it simply, visitors insurance is a type of travel insurance that protects Indian visitors to the US in case of medical emergencies. These emergencies may be due to complications in health, accidents or other issues faced while visiting the US.

Travelling to the USA is expensive, especially if your elderly parents are visiting for a few months or longer. Without sufficient savings, you may end up paying a lot of money out of pocket for even minor medical emergencies. Buying medical insurance for visitors to the USA from India is a smart move to avoid sudden medical costs.

Why is Visitor Coverage Insurance Necessary?

Due to the exorbitant cost of living in the US, even a single appointment with a doctor may cost USD 500 to 1,000. Without a financial backup, this expense can cause a significant dent in your pockets.

This is especially important for elderly parents visiting their children or relatives in the US, as they are more likely to face health issues due to climate, temperature or food changes. For them, having visitor insurance for parents visiting the USA from India is crucial. Once you apply for the correct US visa don’t forget to buy trip insurance for the USA to have a safe and stress-free journey.

Features of USA Visitor Insurance from India

Medical insurance for visitors to USA from India is perfect for tourists visiting the United States for a short term. This travel insurance from India to the USA helps protect travellers from high US healthcare costs if they need medical assistance. The following are some features of buying travel insurance for USA visitors from India:

• Cashless Hospitalisation: Most Indian travel insurers offer cashless hospitalisation benefits. In this, the hospitalisation costs are settled directly with the hospital.
• No Pre-Health Check-up: Most travel insurance companies in India offer visitor insurance USA without asking the insured traveller to go through any pre-policy medical check-up.
• No Deductibles: Some insurance companies offer travel insurance for USA visitors without any deductible features. This implies that the policyholder will not have to pay any claim amount while settling the claim.
• Extension of the Policy: Most insurance providers offer an automatic extension of the policy if your scheduled departure is delayed due to a change in plans. The policyholder can often get their plans extended for a week or up to 365 days, depending on who the insurer is.
• Round-the-Clock Assistance: Buying visitors coverage insurance USA from India provides 24/7 support in case of any emergency at any point in time.

Make sure to buy medical insurance for visitors to USA from India. It will keep you safe from any possible medical emergencies during your stay.

Inclusions under Visitor Insurance USA

Any insurance should include adequate coverage if you get unexpectedly sick or injured while visiting the United States of America. It is better to tailor your plan depending on your risks and needs. Consider these benefits while selecting medical insurance for visitors to USA from India:

• Personal Accident: If the policyholder gets injured or meets with an accident during the US trip, any expenses incurred towards the medical treatment will be covered.
• Medical Expenses: Any fiscal cost incurred due to a sudden sickness/illness or bodily injury to the policyholder because of the treatment will be covered under the visitor insurance USA from India.
• Dental Expenses: In case of acute pain relief while on the US trip, the insured will be covered under this policy.
• Medical Evacuation: If the insured encounters an emergency circumstance while on a US trip and is required to be evacuated based on medical grounds, the insurance company will arrange and cover the cost incurred towards emergency air or road services.
• Repatriation of Mortal Remains: Unfortunately, if the insured passes away in the USA during an adverse situation, the expenses incurred to send the mortal remains to the home country will be covered.

While these are general benefits offered by medical insurance for visitors to the USA from India, the exact coverage will vary from insurer to insurer. Some insurers also offer extensive benefits such as coverage for personal liability, passport loss, emergency trip extension and more. However, it is good to compare different visitor insurance plans online on Policybazaar.com before you buy one.

Exclusions under Visitor Insurance USA

While visitors' insurance from India to the USA covers plenty of medical emergencies, you should be aware of some scenarios when your claim won’t be covered under visitor insurance:

• Pre-existing Ailment: No cover will be provided if the insured gets hospitalised in the US to treat any pre-existing disease or ailment.
• Cosmetic Treatment: Any cost incurred due to a cosmetic or obesity treatment by the insured in the US will not be covered under the policy.
• Self-inflicted Injury: Self-inflicted injury leading to monetary expense during the US trip is generally excluded under the insurance policy.
• Illegal Driving: Any loss/damage incurred wherein it is found that the driver or the insured was under the influence of alcohol or had consumed drugs, which led to this accident; no cover will be provided.
• Act of War: If the policyholder suffers a loss or damage under an act of terrorism, no cover shall be provided under such a contingency.
• Breach of Law: Any claims arising due to incurred loss/damage by the policyholder, who violated the laws in the USA, are excluded under the travel insurance policy USA.

Additional Covers under Visitor Insurance USA

Depending on the insurer, you can customise your visitor insurance for the USA by buying optional covers at an additional premium. Some of these are:

• Adventure Sports: The US is famous for its sports scene, and you may want to try sports or adventure activities here. Most insurance providers do not offer coverage for the same in general inclusions. However, you can add an add-on to the cover and pay extra.
• Personal Liability: Many travel medical insurance plans don’t offer benefits beyond medical expenses. If the insured causes any loss or damage to the third-party property or person during the US trip, this will be covered under this option. Please note that this benefit may be offered under general coverage as well.
• Home Burglary Insurance: While abroad, your home may be in danger due to fire or a robbery. This Home insurance or burglary optional will take care of your worries and protect you from any subsequent loss.

Thanks to these add-ons, you will easily find the right health insurance for parents visiting USA from India.

How to Buy USA Visitor Insurance Online?

Buying travel insurance for the USA provides a layer of protection for your trip. Buying visitor insurance for the USA is simple.

You can buy travel insurance online by visiting the insurance company's website from which you intend to buy the policy. Moreover, you may also buy travel insurance from India to USA by browsing different travel health plans for the US on Policybazaar.com. It will help you to compare various travel insurance plans and assist you in zeroing down the visitors insurance policy.

Once you select a specific visitor plan, you must complete the proposal form and then pay the travel insurance premium online.