Travel Insurance for USA from India

USA Travel Insurance

Travel insurance for the USA has been tailor-made for people travelling to the United States for tourism, business, meeting friends & families or studying.

US travel insurance from India covers many situations the insured traveller will likely face during their trip. For starters, healthcare is highly costly in the USA; thus, this travel insurance will provide coverage for emergency medical treatment. Mishaps like passport loss or missing your flight due to an emergency can happen to anyone.

This can be pretty expensive for travellers, so all those visiting America are advised to buy this travel insurance to avoid any unfortunate incident that disrupts their travel plans.

Fast Facts About the USA

Key Features of Travel Insurance for the USA

Travel insurance USA is designed to protect the traveller from any mishaps during their stay in the USA that may cause financial losses or worse. A wide range of USA travel insurance from India is available. Let’s look at some of the key features of travel insurance USA plans below:

• Cashless Hospitalisation – The insured doesn’t need to pay at the hospital at the time of discharge at the network hospitals of their insurance company. Instead, the insurer directly settles the bill with the hospital.
• No Pre-Policy Health Check-up – Most Indian insurers offer travel insurance US without asking the traveller to go through a pre-policy medical check-up. This feature may be available to people for up to a specific age limit per the insurance company's terms.
• Baggage Cover– USA travel insurance plan will cover delay or loss of baggage up to certified limit.
• Zero Deductibles – A few insurers also offer travel insurance plans for the USA with zero deductible features. This means that the insured traveller would not have to pay any share of the claim amount at the time of claim settlement.
• Automatic Policy Extension – Many travel insurance US plans come with the option of policy extension. While few companies offer automatic policy extensions for up to seven days, other companies allow the insured traveller to extend or renew a travel insurance policy for up to 365 days.

Why Do You Need Travel Insurance from India to the USA?

The United States of America is one of the most visited countries in the world. The country offers a variety of scenic landscapes and tourist attractions ranging from the sprawling Grand Canyon to the spectacular Statue of Liberty.

Moreover, the country is home to some of the best universities in the world, including the Ivy League Colleges. However, even the most gorgeous places on earth are not accident-proof and can face an emergency. By purchasing travel insurance from India to the USA, you can benefit in the following ways:

• Protection from costly medical services in the USA
• Cashless hospitalisation facility
• 24x7 emergency assistance
• Cover for personal accident and personal liability
• Coverage for passport and baggage loss
• Coverage for trip interruptions, flight delays and flight cancellations

Therefore, it is important to buy USA travel insurance from India and stay medically & financially protected.

The USA Tourist Places

The USA is exceedingly rich when it comes to tourist delights and sightseeing opportunities. Discover picturesque neighbourhoods and explore serene corners that continue to tempt travellers from all over the world. Here's a list of just some of the many best places to visit in the USA:

• New York: Perhaps the most popular city in the world, New York is a familiar site for many familiar with movies and theatre. The city is any visitor's attraction thanks to several iconic buildings like the Empire State Building, the High Lane, 5th Avenue, Times Square and the stunning Statue of Liberty.
• Grand Canyon: Generations of tourists flock to this place to gaze over this wonder's endless horizon and depth. People usually take a day trip to this place to spend some time at the south rim of the Canyon.
• San Francisco: This West Coast city is famous for its beautiful views, charming streets and famous sites. Some of its most famous attractions include the Golden Gate Bridge, Alcatraz and the Fisherman's Wharf.
• Washington D.C.: Home to America's national treasures, the US capitol is a must-visit, especially around the East Coast. If visiting during springtime, make sure to attend the Cherry Blossom Festival. Some of the best places to visit in the US are here, including the Capitol Building, the White House, and the Smithsonian Museum.
• Yellowstone National Park: Spread over 3,500 sq. miles, Yellowstone National Park is located in Wyoming and parts of Idaho and Montana. The park is an important site full of lush forests, hot springs, dramatic canyons and geysers. It is also home to the Old Faithful Area, famous for having the world's largest concentration of active geysers. Some of its must-visit attractions include Lamar Valley, Yellowstone Lake, Canyon Village, Grand Prismatic Spring, Artist Point and more.
• Walt Disney World Resort: Disney World has become a household name. Not just kids, adults, and the elderly enjoy visiting this theme park, which sees over 17 million visitors annually. If you are travelling with family, don't forget to drop by to have a truly magical time!
• Waikiki: One of the best beaches in America, Waikiki is a beautiful tropical beach near the Pacific Ocean. Located on a Hawaiian island known for its remarkable golden sand and beautiful waters. Visitors can surf, swim or simply relax on the beach here.
• Las Vegas: Who hasn't heard of Las Vegas? This glittering desert city has been popular among party lovers and is famous for its star-studded entertainment options. The place is especially famous for gambling and other games. Nearby attractions include the Hoover Dam, Grand Canyon, and Death Valley National Park.

These are just a few places to visit in the US. Whichever place you decide to go, don’t forget to buy travel health insurance in the USA from India. It will save you from any major medical expenses in the US.

Entry & Visa Information for the USA

All Indians need a valid visa to visit, work, study, or stay in the United States of America. Travelling to the US needs a pre-approved US visa, depending on the purpose of their visit. As of now, there’s no visa-on-arrival facility offered to Indian tourists.

Indians also need a valid Indian passport with at least 2 blank pages for the stamping. It must be valid for 6 months beyond the intended stay in the USA.

The visitor should also have sufficient finances to sustain their stay in the US for the entire duration and must have a return ticket or onward ticket from the US. Here’s a list of other different types of US visas that travellers can apply for depending upon their purpose of travel:

Though it is not mandatory to buy USA travel insurance plan when travelling here, it makes sense to buy one as it helps you take care of any unforeseen expenses and travel-related emergencies.

Medical costs in the USA are much higher compared to India and may easily dent your finances substantially if you run into any medical problems while travelling to the USA. If you’re going to study in the US, your university might need you to have mandatory student travel insurance before you can come here.

Trip to the US: Tips & Precautionary Measures

The US is a pretty safe country for tourists and is known for its excellent facilities. However, a few things can make your experience better and safer:

• Popular tourist areas are usually brightly lit and are patrolled by police, so it is very safe. However, venturing into areas that may not be as crowded can invite trouble.
• Plugs used in the US are two-pronged with 110V AC, so keep adaptors handy.
• The average buying/drinking age in the USA is 21. You may be required to furnish proper ID to buy or be served alcohol.
• You may be required to furnish ID proof to buy cigarettes. Remember, smoking is banned in all indoor public places throughout the country, including bars, clubs and restaurants.
• Car crimes aren't prevalent in the US; however, if you're renting a car in major urban areas, don't stop at any unlit or deserted spot. In case of an accident, always call 911 for assistance.
• The nationwide emergency number in the USA is 911.
• Ensure that you don't overstay your visa's stipulated limit.

Finally, don't forget to buy travel insurance for US before you leave for your trip.

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:

USA travel insurance ensure safety during your visit to the states. The insurer will assist in case of such emergencies and guide wherever an intervention is necessary.

Best Time to Visit the USA

Typically, the USA witnesses a torrent of visitors yearly. However, the Spring months between April and June make for the best time to visit the USA. Spring months make for a great time for outdoor sightseeing, partaking in exciting adventure sports, indulging in shopping sprees or diving headfirst into the festival mania of the country.

The summer months of June to August also make for a good time to visit America. Winter months are usually not too conducive for outdoor sightseeing and can be avoided.

If you've advised a hospital stay, you must shell out USD 1,000 - USD 5000 from your pocket. Add to this the cost of medicines, and you'll realise that you may lose over USD 7,000 or more. That's why you must do well to buy US travel insurance from India. Remember, USA travel insurance will cover medical and substantial emergency expenses while travelling to the US.

International Airports in the USA

Except for a few direct flights that travel to the aforementioned international airports in the USA, all other flights from India to the USA are connecting flights with short/long layovers.

Missing connecting flights, especially when travelling to the USA, may prove to be a daunting experience. Depending upon the things to do in the US, plan your itinerary according to the nearest airport convenient to your plans.

This is where travel insurance for the USA comes to your rescue. With missed connection coverage provided by USA travel insurance plans, you can easily take another connecting flight, without paying for the travel changes. So it makes sense to buy international travel insurance for the USA beforehand to ensure adequate coverage for loss or delayed baggage.

Things to Do in the US

From the glittering skyscrapers of New York City to the rustic enigma of the Grand Canyon, the USA packs in everything and much more to bewitch all and sundry. Here’s a list of just some of the many must-have experiences for those travelling to the USA:

• Spend a day at a theme park - Disneyland and Universal Studios are two of the most famous theme parks in California and Orlando.
• Try out some mouth-watering cuisines - From street food to Michelin-starred dining, the USA is home to some of the world’s best restaurants and eateries.
• Get a first-hand Hollywood experience - Hollywood is one of the biggest attractions in the USA, and many tourists from across the globe throng Los Angeles to breathe the same air as their favourite Hollywood actors.
• Go surfing - Lastly, it’s difficult not to talk about surfing in Hawaii when discussing the must-have experiences in the USA. It also offers parasailing, hiking, helicopter tours and much more. Many USA travel insurance plans cover adventure sports so that you’re safe during the fun!

There is no shortage of activities in the US. From leisurely walks to adrenaline-pumping hikes, you can make more of your trip with some peace of mind. For this, travel insurance for US will be of great support and value if you ever find yourself in trouble here.

Money-Saving Tips for USA Travellers

• Live in Budget Hostels/Dorms - Since hotels in the US are too pricey, it’s better to look for rooms in hostels or dorms.
• Eating Out - Hotels in the US are pretty expensive. Tipping is expected here, so be prepared to spend a lot when dining out. You can consider cooking your meals if possible.
• Transportation - In most American cities, ride-sharing apps are cheaper than taxis and the best way to get around. You may even hop aboard local buses, subways and trains to save money.
• Staying fit in the USA- Medical expenses are too steep in the USA, which makes sense for students and budget travellers to take care of their health at all times. In addition, travellers must also buy an international travel insurance US to ensure adequate coverage for emergency medical expenses when travelling to the USA.

Currency and Foreign Exchange

The currency used in the USA is the US Dollar. Here is the latest exchange rate to get an estimate:

Due to its high value, carrying sufficient cash before your trip is suggested. This will save you transaction or conversion charges abroad. While large cash amounts, traveller's checks or money orders aren’t a problem, any amount over USD 10,000 must be declared on Form 6059B and FinCEN 105.