best travel insurance india to usa

India USA Travel

10+ best travel insurance for usa from india (expert reviews).

So, you’re almost ready to trade your daily dose of masala chai for a steaming Starbucks, eh? Planning that dream journey from India to the sprawling horizons of Uncle Sam’s land, are we?

Now, while you’re dreaming about gazing at the Grand Canyon or shopping in New York City, there’s a little (big) thing you might be forgetting – travel insurance .

Now, I know what you’re thinking.

Travel insurance is as confusing as trying to assemble furniture with instructions that might as well be written in hieroglyphics. You may even think of it as that uninvited party guest, crashing your travel budget .

But pause for a moment! What if I told you that the right travel insurance could actually be your unsung superhero, swooping in to save the day in case of unexpected events?

From minor inconveniences like delayed luggage (who needs clean clothes, right?) to more serious issues like medical emergencies (ouch!), the right travel insurance can make all the difference.

And guess what? You’ve hit the jackpot!

After years of world exploration, policy deep-dives, and countless trial and error, we’ve put together a list of the very best travel insurances for all you eager-beavers planning a USA escapade from India.

In this all-in-one guide, we’re about to unleash more than 10 fantastic travel insurance options, each put under our microscope and reviewed by our experts who’ve seen it all and lived to tell the tale.

With clear analysis, handy tips, and a no-nonsense verdict for each, we guarantee this won’t be another yawn-fest insurance guide.

So, strap in, grab your masala chai (or Starbucks if you’re practicing already), and prepare for a deep dive into the world of travel insurance. Together, we’ll find that one policy that’ll be your travel buddy throughout your American adventure.

Ready to give your dream trip an extra layer of security and peace of mind? Let’s roll!

Get ready, because every scroll is a step closer to discovering that perfect travel insurance plan for your upcoming USA extravaganza. Let the fun begin!

In this article…

What is the best health insurance for visitors to USA from India? 

So, let me break it down for you.

Firstly, if you’re planning to bring your aged parents along, I’d recommend looking into insurance plans like Atlas America, which offers coverage for individuals aged 70 and above.

For young folks, I’d recommend the Patriot America plan or the Visitors Care plan. These plans cover basic necessities and aren’t too expensive . 

If you have any pre-existing medical conditions, I’d suggest going for a plan that covers them. Atlas America is one such plan. It covers pre-existing medical conditions up to a certain limit.

Be prepared to pay a bit more for such plans, though.

Now, if you’re worried about your budget, check out the cheapest health insurance plans from companies like IMG, Tokio Marine or Seven Corners. These are great for short trips and cover all the basics.

But, if you’re willing to splurge, you can consider plans like Liaison Majestic, that offer comprehensive coverage. 

If you’re planning a long trip, it’s best to get a plan that covers you for the entire duration. Atlas America and Patriot America offer comprehensive coverage for long-term visits.

Remember, it’s always better to be prepared beforehand than to regret it later.

So, choose the insurance plan that works best for you and have a happy and safe trip! 

Recommended Plans ⭐⭐⭐⭐  Atlas America 100% Coverage, Comprehensive plan ⭐⭐⭐  Safe Travels USA 100% Coverage, Comprehensive plan ⭐⭐  Patriot America Plus 100% Coverage, Comprehensive plan

Compare Plans

Indian Companies Offering Travel Insurance to USA from India

American companies offering travel insurance to usa from india, what is covered under travel insurance for usa.

International travel insurance for the USA typically covers the following:

1. Medical emergencies

This includes coverage for unexpected illnesses and injuries that require medical treatment . 2. Trip cancellations or interruptions

If you have to cancel your trip or cut it short due to unforeseen circumstances (such as natural disasters or sickness), your travel insurance may reimburse you for any prepaid expenses.

3. Baggage and personal effects

If your luggage or personal items get lost, stolen, or damaged during your trip, travel insurance may provide coverage for their replacement or repair.

4. Emergency evacuation

If you need to be evacuated due to a medical emergency or natural disaster, travel insurance can cover the associated expenses.

5. Accidental death and dismemberment

In the unfortunate event of accidental death or dismemberment, travel insurance can provide financial support to your beneficiaries.

Why Do You Need Travel Insurance When Traveling from India to USA?

“But why?”, you might ask, wondering if this is another scheme to drain your hard-earned travel budget. Well, my friend, let me paint you a picture.

Imagine you’re at the majestic Grand Canyon, clicking a storm of photos to flood your Instagram feed.

Suddenly, you lose your footing and twist an ankle. Ouch!

Without travel insurance, that twisted ankle could become a massive pain in your…wallet.

The USA’s healthcare system is one of the most expensive globally, with a simple visit to the doctor’s office potentially costing hundreds of dollars.

Now, wouldn’t it be nicer if you could focus on getting better instead of worrying about medical bills? That’s where travel insurance steps in!

Or, let’s say you’re strolling through New York City, thrilled about the shopping spree you’re about to embark upon. But oh no! Your wallet’s been stolen, along with your credit cards and cash.

Well, guess what?

A good travel insurance policy can provide coverage for stolen possessions, helping you to get back on track without a massive hit to your travel fund.

But wait , it’s not just about medical mishaps or stolen wallets.

What if you need to cancel your trip last-minute due to an emergency back home, or you miss your flight because of a delay in your connecting flight from Delhi to Mumbai?

Yup, you guessed it, travel insurance can cover those unexpected expenses too!

So, why do you need travel insurance from India to the USA? It’s simple, really. Travel insurance provides that crucial peace of mind that lets you enjoy the adventure and handle the curveballs that life might throw at you. 

After all, wouldn’t you rather be calculating how many souvenirs you can fit into your suitcase, rather than the potential medical bills or replacement costs for lost belongings?

We thought so too.

So, before you take that leap across the pond, make sure you’ve got your trusty travel insurance by your side. 

For more details on the benefits of travel insurance , don’t forget to check out our comprehensive guide on  Travel Insurance Benefits to make an informed decision. 

When Can Travel Insurance for the USA be Helpful?

There are a few scenarios where travel insurance for the USA can be a real lifesaver.

Think of it as your trusty travel sidekick, standing by your side, ready to jump into action when things don’t go according to plan. But when exactly can travel insurance be beneficial?

Let’s delve into some scenarios where having travel insurance can make all the difference.

1. Trip Cancellations:

Imagine planning your dream trip to the USA, right down to the last detail, only to have to cancel due to an unexpected emergency.

Non-refundable bookings for flights , hotels, or tours can result in a significant financial loss. Fortunately, travel insurance can help recover these costs.

For instance, if you have to cancel your trip due to a family member’s illness, your travel insurance would cover the non-refundable expenses, minimizing your financial loss.

2. Medical Emergencies:

The cost of healthcare in the USA can be quite high. If you were to fall sick or have an accident during your trip, the medical expenses could create a significant dent in your budget.

That’s where travel insurance comes in.

For example, if you contract food poisoning from trying out a new cuisine or sprain your ankle during a hike in Yosemite National Park, your travel insurance will cover the medical costs, saving you from unexpected expenditures.

3. Baggage Loss or Delay:

Losing your luggage or experiencing a delay in receiving it can be a major inconvenience. It could mean being without your essentials and needing to purchase replacements.

Travel insurance can help in such situations. If your baggage is delayed for more than a specific period (typically 12-24 hours), your insurance policy can reimburse you for the purchase of essential items like toiletries and clothing.

In the case of lost luggage, you’ll be compensated for the loss up to the maximum limit specified in your policy.

4. Flight Delays or Cancellations:

Flight delays or cancellations can disrupt your travel plans significantly. For example, if you’ve planned a tour of the Grand Canyon but your flight gets delayed due to bad weather, causing you to miss the tour, your travel insurance can cover the cost of the tour.

Similarly, if your flight gets canceled and you need to book a last-minute hotel for the night, your travel insurance would cover these unexpected costs.

5. Legal Assistance:

In an unfamiliar country, legal troubles can be quite daunting. If you’re involved in a legal issue, your travel insurance policy can help by providing coverage for legal expenses and advice.

This could be in a situation where you accidentally damage someone’s property or in a traffic violation.

In conclusion, having travel insurance can significantly reduce the financial risk associated with travel uncertainties. It’s like having a safety net, providing you peace of mind to enjoy your journey fully.

To find the best insurance suited to your needs, check out our expert reviews on the  Best Travel Insurance for USA from India .

Remember, your adventures should be filled with joy and excitement, not worries and stress.

Please note that the situations mentioned are for illustrative purposes and actual coverage depends on the specifics of your insurance policy. Always read your policy carefully to understand what is and isn’t covered.

Is it Mandatory to Get Travel Insurance in the USA?

While there are countries like Schengen countries where travel insurance is compulsory for visa approval, in the case of the USA, it’s a different story.

The United States government does not mandate travel insurance for visitors.

When you’re applying for a visa to the USA, there’s no requirement listed by the U.S. Department of State to have travel insurance.

So, technically, you could travel to the USA without any travel insurance.

However, it’s strongly recommended to have one. Why?

Because the cost of healthcare in the USA is one of the highest in the world.

According to data from the Healthcare Cost and Utilization Project (HCUP) , an emergency room visit’s median cost can go up to $1,389, and that’s without factoring in any additional treatment or hospitalization.

A serious accident or illness could result in medical bills amounting to tens of thousands of dollars, if not more.

Furthermore, travel insurance provides coverage beyond just medical emergencies. It covers you for instances like trip cancellation, lost luggage, and flight delays.

Such unforeseen circumstances can arise, disrupting your plans and potentially causing substantial financial loss. Having travel insurance helps mitigate these risks, providing you with a financial safety net.

While it’s not legally mandatory , certain tour operators or travel agencies may require you to have travel insurance as part of their booking conditions.

So it’s always best to check the conditions before making any reservations.

In conclusion, while travel insurance is not compulsory for travel to the USA, it’s strongly recommended due to the high healthcare costs and potential for other unforeseen expenses.

It’s about ensuring that you can enjoy your trip with peace of mind, knowing that you’re financially protected against any unexpected incidents.

To understand more about the benefits of travel insurance and how to choose one that suits your needs, do refer to our in-depth guide on the Best Travel Insurance for USA from India .

And remember, it’s always better to be safe than sorry!

What is the Cost for Travel Insurance for USA from India?

When it comes to the cost of travel insurance for the USA from India, there is a range of options available, tailored to fit various budgets and needs.

It’s essential to remember that cost is just one factor in your decision; the level of coverage is just as, if not more, critical.

Travel insurance premiums are influenced by factors like the length of your trip, your age, any pre-existing medical conditions, the type of coverage you choose, and sometimes even your destination in the USA.

Let’s look at some hypothetical scenarios to help you better understand how these factors can affect the cost of your travel insurance.

Scenario 1: Basic Coverage

Suppose you are a 30-year-old planning a two-week vacation to the USA and decide to go for a basic travel insurance plan.

Such a plan typically covers only emergency medical expenses and perhaps some additional benefits like emergency evacuation . You’re looking at an approximate premium starting from $40-$50.

Scenario 2: Comprehensive Coverage

Now, let’s say you’re the same 30-year-old, but this time, you opt for a more comprehensive plan.

Comprehensive plans often include coverage for trip cancellations, trip interruption, baggage loss or delay, in addition to emergency medical expenses. For such extensive coverage, your premium could range anywhere from $80-$100.

Scenario 3: Pre-existing Condition Coverage

Now, if you’re a 60-year-old traveler with a pre-existing condition, such as diabetes or hypertension, and looking for coverage that includes these conditions, your premium would be significantly higher due to the increased medical risk.

You might be looking at costs around $150-$200 or even more, depending on the severity of your condition.

Scenario 4: Adventure Sports Coverage

Suppose you are an adventure enthusiast and plan to indulge in activities like skiing, bungee jumping, or scuba diving.

In that case, you might want to consider a plan that provides coverage for adventure sports, which typically come with a higher premium due to the inherent risk involved. Depending on the specific activities covered, the premium could range from $100-$150.

In conclusion, the cost of travel insurance for the USA from India varies widely depending on your specific requirements and risk factors.

It’s crucial to assess your needs, understand what each plan offers, and choose accordingly. After all, peace of mind while travelling is priceless.

To get more details on the cost and coverage details of various travel insurance plans, have a look at our expert reviews on the Best Travel Insurance for USA from India .

Please note: The above prices are indicative and can vary based on the insurance company and specific policy terms. Always read the policy document carefully to understand the coverages and exclusions.

Buy Travel Insurance For USA From Indian Companies or Online

The question of whether to buy travel insurance for the USA from an Indian company or online can depend on your preferences, needs, and comfort level with digital platforms. Both options come with their own set of advantages and disadvantages.

Buying from Indian Insurance Companies:

Let’s take the example of an established Indian insurance company. A physical office presence can offer you a sense of security and trust.

You can walk into an office, speak to an insurance advisor face-to-face, clarify your doubts, and get guidance on the best plan for you. For many, especially those less comfortable with technology, this can be a huge benefit.

Advantages:

• Personalized service: Face-to-face interaction can provide personalized service. You can explain your specific needs and get recommendations accordingly.
• Paperwork Assistance: They can also help you navigate the sometimes complex world of insurance paperwork.

Disadvantages:

• Limited Choices: Physical companies may have limited offerings compared to what’s available online. This could mean you may not get a policy best suited for your needs.
• Higher Costs: Traditional insurance companies often have higher operational costs, which may reflect in their premium rates.

Scenario: Suppose you’re a 50-year-old man planning to visit your son in the USA. You’re not tech-savvy and prefer in-person assistance for understanding the insurance plans. You decide to go with a renowned Indian insurance company with a local branch office. The advisor there recommends a plan which costs INR 8000 ($110) for your 1-month stay.

However, the plan doesn’t cover trip cancellations and delay, something you would have preferred given the unpredictability of your work schedule.

Buying Travel Insurance Online:

On the other hand, buying travel insurance online offers a host of advantages, the primary one being convenience. You can compare and purchase policies at the click of a button, without leaving the comfort of your home.

• Wide Variety: Online platforms allow you to compare a wide range of policies from different companies, helping you to find the one that best fits your needs.
• Lower Costs: Online companies often have lower operational costs, leading to competitive premium rates.
• Convenience: You can purchase a policy anytime, anywhere, making it a hassle-free process.
• Impersonal: It can feel impersonal as most of the process is automated.
• Confusing: With such a vast array of options, choosing the right policy can be overwhelming.

Scenario: Suppose you’re a 30-year-old software engineer planning to visit the USA for a tech conference . You’re comfortable with digital platforms and decide to purchase your travel insurance online.

After comparing several plans, you opt for a comprehensive plan covering emergency medical expenses, trip cancellations, and delay for INR 5000 ($70) for your 1-week trip.

In conclusion, whether you choose to buy from an Indian insurance company or online depends on your comfort level, your understanding of insurance plans, and your specific requirements.

Always make sure to read the policy document thoroughly and understand the coverage and exclusions before purchasing.

Buying Travel Insurance from American Companies Vs. Indian Companies: A Comparison

When planning a trip to the USA from India, one critical decision is where to buy your travel insurance: from an American company or an Indian one? Each has its own advantages and drawbacks, which we’ll explore below. 

Buying from American Insurance Companies:

Purchasing travel insurance from American companies can come with benefits that cater specifically to travelers in the USA. 

• Localized Services: American companies have a better understanding of their own country’s medical costs and local emergency services, which can result in more precise coverage amounts.
• Easy Claim Process: In case of a medical emergency, American insurance companies often have a direct billing agreement with hospitals in the USA, which means the hospital bills them directly, sparing you out-of-pocket expenses.
• Comprehensive Plans: They often provide more comprehensive coverage options, including trip interruption, baggage delay, acute onset of pre-existing conditions , etc.
• Cost: Premiums from American insurance companies can be significantly higher compared to Indian insurance companies.
• Purchase Process: Buying insurance from an American company might be a bit more complex for an Indian traveler, given the differences in systems and processes.

Example Scenario: Let’s say you are a 45-year-old Indian woman traveling to the USA for a six-month stay. You decide to go with an American insurance company.

Your insurance policy, which covers high medical expenses, trip cancellation, and baggage delay, costs around $300.

In case of a medical emergency, the hospital directly sends the bill to your insurance company, leaving you worry-free.

Purchasing travel insurance from an Indian company offers advantages that can be appealing to Indian travelers.

• Cost-effective: Indian insurance companies usually offer lower premiums compared to American counterparts.
• Familiarity: Buying insurance from an Indian company means dealing with familiar systems, language, and customer service, which can simplify the purchase process.
• Reimbursement Basis: Most Indian insurance companies operate on a reimbursement basis. This means in case of a medical emergency, you’ll need to pay out-of-pocket first, and then the company will reimburse the expenses.
• Coverage: Some Indian companies might not offer as comprehensive coverage as American companies. 

Example Scenario: Now, if you’re a 30-year-old man planning to attend a two-week conference in the USA, you might prefer to buy insurance from an Indian company due to lower premiums.

You choose a policy costing INR 2000 ($30), covering basic medical emergencies. In case of any medical exigency, you’ll need to pay upfront and then claim reimbursement.

In conclusion, the decision between an American and Indian insurance company will depend on factors like your budget, the coverage you need, your comfort with the claims process, and the length of your stay. 

To better understand different travel insurance plans, you can refer to our comprehensive guide on Best Travel Insurance for USA from India .

Disclaimer: The above scenarios are fictional and provided for illustrative purposes. Actual costs and coverage may vary.

Key Features to Look for in a Good Travel Insurance Policy for Indians Visiting the USA

Navigating the plethora of travel insurance options can be a bit overwhelming, especially when you’re planning a trip from India to the USA.

However, understanding the key features to look for can make the process smoother and more effective. Here are some essential factors to consider when choosing the best travel insurance policy for your trip to USA from India:

1. Comprehensive Medical Coverage: Given the high healthcare costs in the USA, it’s crucial that your travel insurance offers comprehensive medical coverage. This includes outpatient, inpatient, and surgical treatments, ambulance services, and even dental emergencies.

2. Pre-Existing Conditions Coverage: If you have a pre-existing health condition, check whether the policy covers any acute onset or sudden recurrence. This article can help you understand more about health insurance plans that cover pre-existing conditions.

3. Emergency Evacuation and Repatriation: In severe cases, you might require immediate medical evacuation or repatriation. An ideal travel insurance policy should cover the costs associated with these situations.

4. Personal Liability and Legal Expenses: This feature covers legal costs in case you’re held legally liable for causing injury to a third party or damaging their property. It’s a useful feature to have, given the high legal expenses in the USA.

5. Baggage and Personal Effects Coverage: Losing your luggage or personal belongings can be stressful. An ideal travel insurance policy should cover lost, stolen, or damaged personal effects and baggage.

6. Trip Cancellation and Interruption Coverage: Unforeseen circumstances may force you to cancel or interrupt your trip. A good policy will reimburse you for the non-refundable expenses in such cases.

7. 24/7 Customer Support: When you’re in a different time zone, having access to 24/7 customer support can be a lifesaver. Make sure your policy includes round-the-clock customer service.

8. Direct Billing vs. Reimbursement: As discussed in our comparison of [American and Indian insurance companies , the process of claim settlement is crucial. Check whether the company operates on a direct billing or reimbursement basis.

9. Ease of Purchase and Renewability: The process of buying and renewing the policy should be straightforward and convenient. Online purchase and renewability are highly desirable features.

10. Policy Cost: Finally, compare the policy’s cost with the coverage provided. Sometimes, cheaper policies might not offer comprehensive coverage, and pricier ones may include benefits you don’t need.

These key features can guide you in choosing the right travel insurance policy for your trip to the USA. Always remember to read the policy document carefully to understand the coverage limits, exclusions, and terms and conditions.

Disclaimer: This article provides general advice, and individual needs may vary. Always consult with an insurance expert or the provider directly to understand what policy would best suit your specific requirements.

What are the Travel Documents Required While Travelling from India to the USA?

Journeying from the diverse landscapes of India to the broad horizons of the USA can be a thrilling adventure. However, it can also feel like you’re gearing up for a mission if you’re not well-prepared with the right documents .

Don’t fret! We’ve got you covered with a comprehensive checklist of all the travel documents you’ll need when jet-setting from India to the USA.

Buckle up, because we’re about to deep-dive into the world of passports, visas , and everything in between!

1. Passport:

Your passport is your primary ticket to international travel. Ensure that your passport is valid for at least six months beyond your period of stay in the USA. For Indian citizens, there are two types of passports – a 36-page regular passport or a 60-page jumbo passport.

If you’re a frequent traveler or planning a long stay, opt for the jumbo passport for extra visa pages. Check out the difference between the 36-page and 60-page Indian passports for more detailed insights. 

As an Indian citizen , you’ll need a valid US visa , unless you are eligible for visa exemption or traveling under the Visa Waiver Program (VWP), which unfortunately, doesn’t apply to Indian citizens as of the time of writing.

The type of visa you’ll need depends on the purpose of your visit. You might need a B2 visa for tourism, an F1 visa for studying, or an H1B visa for work. Each of these visas has a different application process and requirements, which you can check out on our dedicated Visa Page ).

3. Visa Interview Confirmation:

Once you’ve applied for your visa, you’ll be given an interview appointment at a US embassy or consulate . Keep a printout of this confirmation handy, as you might need to present it at the embassy or consulate.

4. I-94 Form:

The I-94 Form is a record of your arrival and departure in the US. This document is usually filled out on the plane and given to immigration officers when you land. It’s a crucial document that proves your legal entry into the country.

5. Visa Supporting Documents:

Carry all the supporting documents you used during your visa application process. These documents could include bank statements, employment letters, invitation letters from US contacts, travel itinerary, and more. Always carry originals and copies of these documents.

6. Medical and Travel Insurance:

Remember, healthcare in the US can be tremendously expensive. It’s advisable to have medical and travel insurance that covers unexpected medical expenses, trip cancellation, lost baggage, and more.

For more insights on this, refer to our article on the  Best Travel Insurance Plans for Visitors to the USA from India .

7. Prescriptions and Medical Documents:

If you’re carrying prescription medication, ensure that you have a letter from your doctor explaining your condition, the medication you’re on, and contact information for verification.

Always carry medication in the original packaging to avoid any issues at customs.

8. Proof of Accommodation and Travel Itinerary:

Proof of accommodation (hotel bookings, invitation letter if staying with friends or family) and your travel itinerary are essential to show that you’ve planned

 your stay and have a place to live during your visit.

9. Financial Proof:

Carrying proof of your financial ability to support your travel and stay is essential.

This proof can include bank statements, income tax returns, pay slips, or a letter of support from a sponsor if someone else is financing your trip.

10. Emergency Contact Information:

Always keep a list of emergency contact information, including the contact details of the nearest Indian Embassy or Consulate in the US, friends or relatives living in the country, and emergency helpline numbers.

Preparation is key to a smooth journey from India to the USA. Ensuring you have all the required documents in place will save you from unnecessary stress and help make your trip a memorable one.

For additional travel tips, head over to our comprehensive USA Travel Tips section. Happy travels!

Note: This information is accurate at the time of writing. However, travel requirements can change rapidly, so it’s crucial to stay updated by checking the latest information on official government websites.

Which is the Best Time to Visit the USA?

1. Spring (March to May):

Spring is a delightful time to visit the USA, with mild temperatures, fewer crowds, and nature in full bloom. It’s a fantastic time to visit national parks like Yellowstone and cities such as New York, Washington DC, and San Francisco.

However, this is also the season when allergies, particularly pollen allergies, are at their peak. Ensure your Travel Insurance covers any health issues you might encounter during your trip.

2. Summer (June to August):

Summer is peak tourist season in the USA. Attractions are crowded, and prices are usually higher, but you’ll get to experience popular events like Independence Day celebrations on July 4th.

If you’re planning to visit regions like Arizona or Texas, be prepared for high temperatures. Ensure your travel insurance covers conditions related to heat, such as heatstroke or dehydration.

3. Fall (September to November):

Fall in the USA is a spectacular sight, especially in regions like New England, where you can witness stunning fall foliage. The temperatures are cooler, and the summer crowds have thinned out.

However, keep in mind that this is also hurricane season for some parts of the USA. An apt Travel Insurance can cover any trip cancellations or delays due to severe weather conditions.

4. Winter (December to February):

Winter in the USA means snow in many parts, making it a great time for winter sports like skiing and snowboarding.

But if you’re not a fan of cold weather, regions like Florida or California offer milder winters.

It’s also the season of Christmas and New Year celebrations. However, winter can bring severe weather conditions like snowstorms or blizzards.

nsuring your travel insurance covers such instances can bring peace of mind during your winter travels.

In the end, the best time to visit the USA depends on your preferences and the regions you’re planning to explore.

And regardless of the season, ensure you’re equipped with a suitable travel insurance plan to cover any unexpected surprises during your adventure.

Check out our expert review on the Best Travel Insurance for USA from India to make an informed decision. 

Frequently Asked Questions

Is it mandatory to have travel insurance while visiting the USA from India?

While it’s not legally required, it’s highly recommended due to the high cost of healthcare in the USA. Not having travel insurance can result in significant out-of-pocket expenses in case of a medical emergency.

What is the best travel insurance for USA from India?

The “best” policy depends on individual needs and circumstances. However, factors such as comprehensive medical coverage, pre-existing condition coverage, emergency evacuation and repatriation, baggage loss, and trip cancellation coverage are important to consider.

What is the cost of travel insurance for USA from India?

The cost of travel insurance varies based on factors like the traveler’s age, trip duration, coverage selected, and whether you have any pre-existing medical conditions. Costs can range from $50 to several hundreds of dollars.

Does travel insurance from India cover COVID-19 related expenses in the USA?

Many insurance companies have started offering coverage for COVID-19 related medical expenses. However, you should check this specifically before buying a policy.

Should I buy travel insurance from an Indian company or an American company?

Each has its pros and cons. Indian companies usually offer lower premiums, while American companies may provide a smoother claim process and comprehensive coverage. Check out our article comparing the two  here .

Does travel insurance cover trip cancellation?

Yes, many travel insurance policies provide coverage for trip cancellation due to unforeseen circumstances such as illness, injury, or death of the traveler or a close family member.

What if I have a pre-existing medical condition?

Some insurance policies cover acute onset or sudden recurrence of pre-existing conditions. Always check this aspect before purchasing a policy.

Can I renew my travel insurance policy if my stay in the USA gets extended?

Most insurance companies allow policy extension or renewal , but you should confirm this at the time of purchase.

Does travel insurance cover baggage loss?

Yes, most travel insurance policies cover lost, stolen, or damaged baggage and personal belongings.

What is the claim process for travel insurance?

The claim process differs from one insurance company to another. Some companies work on a reimbursement basis, where you pay upfront and then file a claim for reimbursement, while others may have direct billing agreements with healthcare providers.

Can I use my Indian health insurance in USA?

While some Indian health insurance providers offer international coverage, it’s typically limited and may not cover all the potential costs in the USA, due to the higher cost of healthcare.

Additionally, claim settlement may be more complicated. It’s recommended to purchase a dedicated travel insurance policy that provides comprehensive coverage for your stay in the USA.

Always check your policy details or consult with your insurance provider for specific information.

Key Takeaways

• Travel Insurance is Essential: Travel insurance isn’t mandatory when visiting the USA from India, but it’s highly recommended due to high medical costs in the USA. It provides coverage for unexpected incidents like medical emergencies, trip cancellations, lost luggage, and more.
• Choose Wisely: Selecting the right insurance depends on individual needs. Important considerations include coverage for pre-existing conditions, claim settlement process, cost, and extent of coverage.
• Cost Varies: The cost of travel insurance varies based on factors like age, trip duration, selected coverage, and pre-existing conditions.
• Purchase Source Matters: Buying insurance from Indian companies can be cheaper, but American companies often provide a smoother claim process and comprehensive coverage.
• COVID-19 Coverage: Amid the ongoing pandemic, ensure your chosen insurance policy provides coverage for COVID-19 related medical expenses.
• Document Requirement: Be aware of the essential travel documents required for travel from India to the USA.
• Best Time to Visit the USA: Timing your visit during the shoulder seasons (spring and fall) can result in a more pleasant trip and potentially lower insurance premiums.
• Key Features: Look for essential features in a travel insurance policy such as comprehensive medical coverage, emergency evacuation and repatriation, coverage for lost/damaged baggage, and trip cancellation coverage.

Remember, travel insurance is your safety net when you are thousands of miles away from home. Don’t underestimate its importance. Happy and safe travels!

Recommended Plan For Your Travel

Safe Travels

Best for Visitors Economical Plan COVID19 included Covers Medical Pre-Existing Conditions First Health Network

Atlas America

Rated “A – Excellent” COVID19 included Covers Medical Covers Dental Trip Cancellation Full Refund on Cancel

About the Author

Mani Karthik

Ex “NRI” and Founder of the “Back to India” movement. I share my experience about immigrating to USA here.

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[…] Related: Best Health Insurance for Visitors to USA […]

Hi, I am travelling to USA on visitor visa and plan to stay for 5 months. I am confused as to where I have to buy travel insurance. Whether from India or from USA. If from USA how do I get it. I am 58 years old. If from India , which one is good. Can I ask my relative in USA to get it on my behalf. Please mail in detail. Thank you.

It’s not mandatory Anu but good to get because medical care is super-expensive in USA. Why take risk? And I don’t recommend buying from India as most of those products are just good on paper. You can buy it online. Here are some good travel insurance plans for you .

Hope it helps.

Hi…my name is Edward..my friend will be sponsoring me on a visitor Visa…. Putting aside his status of living or eligibility to sponsor me what other or how much amount does he have to pay??

Thanks for doing this Mani. Great research and findings! I am buying a travel insurance for my parents and this helped a lot.

Thanks Ashwin.

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Travelling From India to the US? Here Are 3 Health Insurances to Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Whether you're travelling to the USA to visit friends or family there, or just as a tourist eager to see the famous Times Square, Grand Canyon, or Golden Gate Park, before arriving from India, it's crucial to consider your travel insurance options And while travelling to the US can be an accessible, it's worth remembering that out-the-pocket healthcare costs are the most expensive in the world, so it's not just a good idea, but essential, to arrive in the country with travel health insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the US and other countries worldwide. Our list below explores the four services we believe provide the best deals for young adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats alike.

US Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the US:

Best Travel Insurances for the US

• 01. Should I get travel insurance for the US? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance from India to the US scroll down

Is Travel Insurance Mandatory From India to the US?

No, travel insurance is not mandatory for travel to, or through, the United States of America from India.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the US or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the USA from India:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for visitors from India travelling to the USA. It lets you choose between various plans tailored to meet the specific needs of your trip to the US, including coverage for emergencies, doctor's visits, and other medical-related expenses. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the US:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /person /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another good travel insurance provider for the US, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from India with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /person /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for young people or digital nomads from India because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in the USA knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /person /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travelling

Compare For Yourself

In this post, we explored three travel insurance providers you should consider for your next trip to the US from India. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇

Find travel insurance for you:

How do they compare.

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the US? Take a look at the side-by-side chart below:

Data correct as of 14/02/2023

FAQ About Travel Insurance from India to the US

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, travel insurance is not mandatory for travel to the USA. However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel to the US. For what's usually an affordable cost, taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to visitors worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the insured, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent tourists.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance For USA From India

Travel insurance for usa.

Travel Insurance for the USA should be one of your primary considerations when travelling from India.

The United States of America (USA) is one of the most visited countries across the globe. With its wide expanse covering a majority of the North American continent, the USA has varied landscapes, cultures, and experiences that attract visitors from different parts of the world. From some of the world’s most treasured historical monuments to iconic global landmarks, the USA has no dearth of diverse destinations. Whether it is the semi-Arctic terrain of Alaska in the North or the serene beaches of Florida and Hawaii in the South, the USA has something to offer to all ilks of travellers.

Visiting the USA ought to be on your bucket list and you must secure this unique journey with travel insurance for the USA.

The main benefits of a travel insurance USA plan :

• Travel assistance
• Cover against personal liability
• Cover for accident and sickness
• Assistance for loss or delay pertaining to baggage
• Hijack cover
• Automatic extension of your travel insurance USA plan for 60 days in the event of hospitalisation abroad

Expert's Guide to USA Visa

Places to visit in usa, travel insurance for usa from india.

In order to have a stress-free and memorable trip to the USA, you must ensure that adequate planning and advanced bookings are in place, including a viable travel insurance plan for the USA. However, irrespective of the level of planning you engage in, there may be unforeseen circumstances that can derail your plans. The recent Covid-19 pandemic, for instance, has brought the entire world and international travel to an indefinite standstill, with most countries having limited inbound flights and stringent entry restrictions.

It is, therefore, critical to purchase suitable travel insurance for USA visitors and ensure that you are financially protected against any unanticipated events during your visit to the USA. Your travel insurance USA plan will serve as a protective shield and enable you to enjoy your vacation sans worry. You can compare travel insurance plans to pick the one that suits you the most, in terms of coverage amount & premium.

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

Since life has no dearth of uncertainties, it is important to be as prepared as possible for any eventualities. Therefore, if you are planning to travel to the USA, you should consider buying travel insurance for your USA trip. A travel insurance USA policy will assist you if you are faced with any adverse circumstances during your stay in the USA. For instance, if you fall sick before or during the trip or lose your baggage at any of the airports you pass through your journey, a travel health insurance policy for the USA would be handy. Therefore, it is recommended to invest in an online Travel Insurance policy for the USA and financially safeguard your trip against any untoward incidents that can potentially ruin your trip. With our wide range of plans for visitor insurance in the USA, you can plan for a hassle-free trip to the USA.

Some of the benefits included in the Tata AIG travel insurance USA plan have been discussed below.

Journey Cover Cover for flight delays and cancellations, hotel booking cancellations, and loss of passport

Baggage Cover Compensation on the loss or delay of check-in baggage

Medical Coverage 1.Covid-19 cover to cover the costs associated with testing Covid positive during the trip 2.Travel medical insurance to the USA to provide you financial support if you fall sick or meet with an accident during the trip

Other benefits of travel insurance USA policies 1.The option to pay in Indian Rupees and get coverage in United States Dollars 2.Affordable travel insurance USA policies with a premium as low as ₹60.32 per day 3.Instant purchase of online travel insurance for the USA without extensive health check-ups

For Additional Information If you are a Student Traveling to the USA for your Studies, check our Student Travel Insurance If you are traveling for a Leisure or Business Trip, check our International Travel Insurance

USA Visa and Entry Information

Non-immigrant Visas : Indian nationals travelling to the USA can apply for various types of visas under the umbrella of a non-immigrant visa. Here are some of the major types of non-immigrant US visas Indian citizens can apply for.

B1/B2 Visa : If you are visiting the USA for a temporary stay with a business-related objective, you ought to apply for a B1 visa. If, however, the reason behind your temporary visit to the United States of America is personal, a B2 visa is the right category of visa for you. The aforementioned visa is for travel objectives such as tourism, medical treatment, visit with family or friends, etc.

F1 and M1 Student Visa : Applicants who have been accepted to educational institutions in the United States of America are eligible to apply for a student visa for their academic programme. The aforementioned visa can, in certain cases, also be granted for practical training in specific fields.

H-1 B Work Visa : The H1-B visa is granted to foreigners employed in the USA. Sponsored by the employers, the aforementioned visa is usually valid for a three-year term that can be extended for a further three years. Non-US citizens are permitted to bring their families to the USA under the aforementioned visa but the process of visa approval is extremely stringent.

H-2 B Work Visa : Unskilled non-US workers hired to work in the USA are eligible to apply for an H2-B visa that is required to be sponsored by their US-based employer.

J-1 and Q-1 Exchange Visitor Visas : A J-1 visa accommodates individuals travelling to the USA for pre-approved exchange programmes. The aforementioned category of visitors includes students, business trainees, research scholars, and government-assigned visitors.

Immigrant Visas : Individuals who wish to immigrate to the USA on a permanent basis can apply for an immigrant visa to the country. The aforementioned visa usually needs to be sponsored by an employer or a permanent resident of the USA who is a relative of the applicant. However, persons with exceptional abilities and skills, including investors and some specific categories of immigrants, can apply for this visa themselves.

Entry information for Indian citizens

Covid Guidelines : In the wake of the ongoing global pandemic, most non-immigrant travel to the USA has been suspended. Only student visas are still being granted on a limited basis.

According to the US embassy in India, students with an I-20 programme beginning after August 1st, 2021 can apply for a student visa to the USA and travel there 30 days prior to the beginning of their respective programmes without requiring a national interest exception.

The aforementioned rule also applies to students who wish to travel to the USA to continue their ongoing academic enrolments at US institutions. It is advisable to have medical insurance for visitors to the USA.

USA Visa application process

You can apply for a visa to the USA by following the steps mentioned below.

Determine the type of visa you wish to apply for. For non-immigrant visas, you can refer to the 'Common Non-Immigrant Visas' guidelines.

Fill the electronic application form (Form DS-160) to apply for a non-immigrant visa to the USA.

Make the payment of your visa application fee.

Create a profile and retain your receipt number to schedule your visa appointment.

Schedule an appointment with the US Embassy or consulates in India within 48 hours of submitting your DS-160 form online.

Be on time for your appointment and carry the relevant identification documents and credentials.

After the second visa interview, your application shall either be accepted or declined by the immigration authorities.

US Embassy and consulates in India : The US Embassy in India is located in New Delhi and the consulates are located in Kolkata, Mumbai, Chennai, and Hyderabad.

How to request expedited visa appointments

If you qualify to travel to the USA under the ‘national interest exception’, you can request an expedition of your visa appointment here.

Travel Documents Required while Travelling from India to the USA

It is advisable to buy health insurance for visitors to the USA. There are also several other essential travel documents that are required for travelling to the USA from India. The aforementioned documents have been listed below.

• A valid Indian passport (valid for a minimum of six months from the date of arriving in the USA)
• A pre-approved visa
• A letter detailing the reason for your visit to the USA
• Confirmed travel tickets
• Prescription for specific medications, if necessary
• USA travel health insurance, including Covid-19 coverage.
• The particulars of the people with whom you will stay in the USA along with their addresses
• The applicable financial documents
• The proof of the funds you are carrying to the USA

USA Travel: Safety and Precautionary Measures to be Undertaken

• Keep your passport safe at all times.
• Protect your belongings, especially when you are in crowded places and tourist hotspots.
• Use official commercial means of transport and avoid seeking private help.
• Respect the country’s laws and regulations.
• Avoid travelling to unfamiliar or remote areas, particularly during the night.
• Do not participate in any unlawful activities.
• Do not violate public decorum through your words, actions, or a combination of the two.
• Choose from the best travel insurance for the USA to financially secure yourself against any unanticipated events.

Covid-19 specific guidelines:

• Wear a mask over your nose and mouth, particularly while using public transport.
• Practise social distancing.
• Monitor yourself for Covid-19 symptoms and self-isolate and get tested if you develop any of the symptoms.

The Indian Embassy in the USA

The Indian Embassy in the United States of America is located at the following address.

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

Present Ambassador : Ambassador Taranjit Singh Sandhu

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

Contact details of the embassy :

Website : Embassy of India, Washington D.C., United States of America

Telephone number : (202) 939-7000

Fax number : (202) 265-4351

For Visa-related queries : Telephone: (202) 939 9888

Email : [email protected]

For queries regarding passport and miscellaneous services: Telephone : (202) 939 9864

Email: [email protected]

International airports in the USA

There are several major international airports in the United States of America, some of which are as follows.

• John F Kennedy International Airport, New York City (JFK)
• Washington Dulles International Airport, Washington D.C. (IAD)
• San Francisco International Airport, San Francisco (SFO)
• ‘OHare International Airport, Chicago (ORD)
• Salt Lake City International Airport, Utah (SLC)

Currency and Foreign Exchange

The currency of the United States of America is the United States Dollar (USD), which is commonly referred to as the US Dollar and represented by the $ sign. It is advisable to carry a sufficient amount of USD before embarking on your trip to the USA.

The exchange rate of the United States Dollar ($) with respect to the Indian National Rupee (₹) fluctuates on a daily basis. Therefore, it is important to monitor the applicable exchange rate before travelling to the USA.

USA Tourist Places

The USA has no dearth of tourist attractions, ranging from beaches to mountains, museums to amusement parks, movie studios to art galleries. Whether you are a scholar or an adventure seeker, the country has a lot to offer you. Here are some of the destinations you must not miss whilst visiting the USA.

New York City : No visit to the USA is complete without visiting New York City. Considered to be amongst the centres of modern civilisation and innovation, the big apple is home to some of the most iconic landmarks in the world, including the Statue of Liberty, the Empire State Building, Broadway, the Rockefeller Plaza, and the world-renowned Times Square. The city also houses Wall Street and 5th avenue, thereby simultaneously being the financial and fashion capital of the world.

Washington D.C .: The national capital of the United States of America is a cultural and financial epicentre and home to the U.S. Capitol, the Lincoln Memorial, the White House, and the Smithsonian. Adorned with museums and historic universities alike, the city has roots in history, branches in the present workings of the international power structure, and forces that play a significant part in shaping the future of the world.

The Grand Canyon : The Grand Canyon is one of the most spectacular natural wonders of the world and a tourist hotspot. Averaging ten miles across and a mile in-depth, the canyon has vast and seemingly endless expanses that unequivocally capture nature’s might and engender awe and reverence amongst visitors. The Grand Canyon is a day’s trip away from Las Vegas and Phoenix.

Los Angeles : Home to Beverly Hills and Hollywood, the city of angels is a cultural and cinematic force to be reckoned with. Los Angeles is regarded as the heart of California and the US movie industry. The city is adorned with picturesque beaches and incredible vistas. While in LA, you must also visit La Brea Tar Pits which contains fossils of prehistoric animals.

Las Vegas : Las Vegas is widely considered more of an experience than a tangible point on the global map. With its world-famous casinos, sound and light shows, musical theatre performances, and diverse entertainment options, Vegas has been a tourist favourite for decades. And, as popularly quoted, “What happens in Vegas, stays in Vegas!”

And, to enjoy all these places completely and explore the US with peace of mind, it is crucial to get a travel insurance USA plan from Tata AIG. To know more, check our guide on the places to visit in USA

Best Time to Visit the USA

The best time to visit the United States of America is either March to May (spring) or late September to late October (autumn). During spring, most parts of the country have mild and pleasant temperatures, thereby making it the ideal time to visit the nation. Since the summer months of May to September usually witness the highest footfalls from international tourists to the USA, it is advisable to plan your trip to this diverse country during spring or fall.

Visit the USA today and safeguard your international journey with online travel insurance for the USA from TATA AIG Insurance. With our wide range of travel insurance plans, you can select the best travel insurance for the USA for yourself. We also offer insurance for parents visiting the USA. Visit our website to know more about USA travel insurance costs and benefits.

Information last updated June 20. While this information is sourced reliably, visa requirements can change. For the most current visa details, visit the official Consulate/Embassy website.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can i get a travel insurance usa plan.

To buy travel insurance for the USA, you must visit our website and select international travel insurance. On the aforementioned page, you must enter the required personal information and choose the extent of the coverage, including the following factors.

• Medical coverage
• Baggage coverage

After customising your travel insurance for the USA plan, you need to proceed with the payment to complete the purchase. Your travel insurance USA policy will be issued immediately and available in your email inbox.

How much should I pay for a travel insurance USA plan?

The cost of your travel insurance USA plan is contingent upon the duration of your stay and several other important factors. Therefore, it is critical to have an adequate sum assured in your travel insurance for the USA plan to ensure that you have sufficient protection during the course of the trip. If you are travelling with your family, you must opt for a higher sum assured to provide them adequate coverage.

Is it mandatory to buy a medical travel insurance USA plan?

Yes, it is mandatory to have a valid travel medical insurance USA plan. Buying the aforementioned policy can help you financially safeguard your trip.

Other Destinations

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Home > Blog > Travel > Insurance > Travel Insurance for USA from India: A Complete Guide

Travel Insurance to the USA from India: A Complete Guide

30sec Snapshot

Travel insurance for the USA offers a safety net against unforeseen incidents, encompassing medical costs, trip disruptions, and misplaced luggage. It grants travellers peace of mind by guaranteeing support in emergencies and unanticipated situations while in the United States. Policies can differ, so it’s crucial to examine the specifics of coverage, such as medical evacuation, trip interruptions, and policy limitations.

Also, read more on the requirements for a USA student visa.

Scenarios Where Travel Insurance Would've Benefited

Just imagine…

Scenario 1: While travelling in the USA, you experience severe abdominal pain and are rushed to the nearest hospital. The medical expenses for the emergency surgery and subsequent hospital stay were exorbitant, causing financial strain on you.

Scenario 2: You are on a business trip to the USA and encounter unexpected flight cancellations due to adverse weather conditions. Due to this, you had to purchase new flight tickets at short notice, incurring substantial additional expenses and disrupting his travel budget.

Scenario 3: You arrive in the USA only to discover her checked baggage hasn’t arrived. As your belongings included essential items and valuables, you had to incur additional costs to replace your lost items, causing inconvenience and unexpected expenses.

Key Benefits of Travel Insurance to the USA from India

So, why is travel insurance important ? Though it is not mandatory, your future self will thank you for choosing this in case of major emergencies. Here are some benefits of travel insurance:

Factors to Consider When Investing in USA Travel Insurance

Now that you have understood the purpose of travel insurance let us get to the factors that can help you select the best US visitor insurance from India for your trip. 

1. Trip duration

It is essential to assess the duration of your visit to the USA, as specific travel insurances for USA trips have limitations regarding your travel length. Additionally, ask the provider about how long the travel insurance is valid.

2. Destination

When determining the destinations you intend to travel to in the United States, it is essential to consider that some regions may pose elevated risks, such as increased susceptibility to natural disasters or political turbulence. As a result, it may be prudent to obtain extra coverage.

3. Activities planned

For individuals with planned adventurous activities such as skiing or extreme sports, their policy must include appropriate coverage. Get insurance that has flexible travel insurance validity for better benefits.

4. Medical Conditions

Hospitalisation, emergency medical expenses, repatriation.

Note: Many travel insurance policies categorise global coverage into two distinct areas: “USA and Canada” on one hand and “Rest of the world” on the other. This distinction is primarily driven by the exceptionally high cost of medical treatment in both the United States and Canada, thereby rendering even minor hospital visits financially burdensome. This particularly resonates with the situation faced by an average Indian traveller.

In a Nutshell

• Trip Duration: Check policy limitations on travel duration.
• Destination: Assess risks and add extra coverage if needed.
• Activities: Ensure coverage of adventurous activities.
• Medical Conditions: Disclose pre-existing conditions and secure medical coverage.
• Budget: Explore affordable options for travel insurance.

How to Choose the Right Policy?

Here’s a step-by-step guide on how to buy the right travel insurance for the USA:

Step 1: Assess Your Needs

• Determine the purpose of your trip and the specific activities you plan to engage in.
• Calculate the potential expenses you want covered, such as medical emergencies, trip cancellations, and lost baggage.
• Consider the duration of your stay in the USA and whether you need coverage for any pre-trip or post-trip extensions.
• If you have pre-existing medical conditions, take note of them and assess whether the insurance should cover them.

Step 2: Research and Compare Policies

• Explore various travel insurance providers and their policies. Check with reputable insurance companies.
• Read and compare the terms and conditions, coverage limits, and exclusions of different policies.
• Pay attention to policy inclusions, such as medical coverage, trip interruption, and emergency assistance services.
• Consider any additional benefits that may be relevant to your trip, such as coverage for lost travel documents or personal liability.
• Assess the cost of the policies and compare them against your budget.

Step 3: Make an Informed Choice

• Choose a policy that aligns with your needs, offering adequate coverage for potential risks.
• Ensure the policy complies with visa requirements, if applicable, and review the claim process.
• Select the appropriate coverage type, whether it’s for an individual, family, or group.
• Contact the insurance provider or use their online platform to purchase the chosen policy.
• Keep a copy of your insurance policy and emergency contact information for easy access during your trip.

5 Best Indian Travel Insurances for USA

In no specific order, here are some reputed insurance companies offering USA travel insurance from India. Their policies provide the best travel insurance USA-bound tourists can find.

• Care Insurance International Travel 
• ICICI LOMBARD
• Tata AIG Travel Guard
• Go Digit Insurance
• Universal Sompo Travel Worldwide

Don’t leave your USA trip to chance. Safeguard your journey with travel insurance.

How to Make an Insurance Claim

Step 1: review your policy.

Begin by carefully reviewing your insurance policy. This step is crucial to understand the coverage details, limitations, and the specific circumstances under which you can make a claim. Different insurance policies may cover different aspects, so knowing your policy’s terms is fundamental.

Step 2: Notify Your Insurance Provider

In the event of an incident that requires an insurance claim, promptly notify your insurance provider. Many policies have specific timeframes within which you must report the incident to be eligible for a claim. Ensure that you provide them with all relevant information, including the date, time, location, and a description of the incident.

Step 3: Gather Claim-Related Documentation

Collect all relevant documents and evidence related to the incident that led to the claim. This may include police reports, photographs, medical records, repair estimates, or any other pertinent documentation. Thoroughly documenting the incident strengthens your claim.

Step 4: Complete Claim Forms

Your insurance provider will likely require you to complete specific claim forms. These forms typically require you to provide detailed information about the incident, your personal details, and the extent of your loss or damage.

Step 5: Submit Documentation and Forms

Compile the gathered documentation and the completed claim forms and submit them to your insurance company. Ensure that all the information is accurate and comprehensive to facilitate the processing of your claim.

Step 6: Wait for Claim Assessment

After you have submitted your claim, the insurance company will conduct a thorough assessment. This may involve evaluating the documents, conducting interviews, or consulting with experts to determine the validity of the claim.

Step 7: Claim Approval or Denial

The insurance company will inform you of the status of your claim. If approved, you will receive details about the settlement or reimbursement. In the event of a denial, you will be provided with reasons for the decision.

Step 8: Follow Up and Inquire>

If you have questions or need further clarification regarding your claim, don’t hesitate to follow up with your insurance provider. Effective communication can help resolve any issues or concerns that may arise during the process.

Step 9: Maintain records of all claim-related documents for your records.

It’s crucial to keep copies of all documents related to your claim for your personal records. This includes all correspondence with your insurance provider, claim forms, and any other relevant paperwork. These records can be valuable for reference and documentation in the future, if necessary.

Key Takeaways

Frequently Asked Questions

Travel medical insurance for USA is essential for parents visiting from India due to the high cost of healthcare and the increased likelihood of older travellers needing medical treatment.

Yes, you can purchase travel insurance for the USA even if you are already in the country. While it’s often recommended to obtain travel insurance before your trip begins, some insurance providers may offer coverage to individuals who are already in the USA. 

If you’re considering when to buy travel insurance for a USA trip , the simple answer is “as early as you can.” Ideally, you’ll purchase coverage 15 days before your trip to protect you from unfortunate events. There are many options to choose from and also the availability of cheap travel insurance for the USA.  

The USA travel insurance cost will be influenced by several factors, such as the length of the trip, the age of the traveller, the number of travellers, and the coverage options selected. 

While travel insurance for a USA trip is not mandatory for visiting the United States, it is entirely up to the individual to decide whether or not to obtain coverage. Even if not mandated, it is strongly recommended for travellers to secure a suitable travel insurance plan when exploring the United States.

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Travel Insurance for USA

Please note that this policy is not applicable for more than 90 days on an immigrant visa. Kindly ensure your travel duration is 90 days or less.

Please note that this policy is not applicable for more than 180 days on a non-immigrant visa. Kindly ensure your travel duration is 180 days or less.

List of USA and Canada Countries

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List of schengen countries, list of european union member states these are not schengen states but with similar travel insurance requirements. our schegen travel insurance covers these countries., list of asia countries.

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• Rest of the World
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• USA or Canada

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Travel Safe to the USA – A Melting Pot of Cultures

ICICI Lombard Travel Insurance policies are tailored to suit specific demographics; for example, the Senior Citizen Travel Insurance Plan caters to the needs of senior citizens. Similarly, the Gold Multi Trip Travel Insurance for frequent travellers provides hassle-free travel opportunities for a specified duration.

Our travel insurance policy covers you against medical and non-medical emergencies whether you are travelling for business or leisure. What's more, it is easily available online and offers coverage with no medical tests up to 85 years of age!

The United States of America (USA), a 'melting pot' of cultures from around the world, is famous for its wide range of popular tourist destinations. With millions of tourists flocking here to experience a bit of 'The American Dream', it is a coveted wish in the bucket list of many avid travellers.

It is always prudent to opt for overseas travel insurance as it takes care of any unforeseen expenses and travel-related emergencies while helping you explore an unfamiliar country. If you run into any problem without a travel insurance, it can dent your finances substantially as medical costs in the USA are very high, and disrupt your travel plans.

It doesn't matter whether you are a solitary business traveller who frequents USA or a travel freak who enjoys new adventures with your family and friends. ICICI Lombard Travel Insurance offers a variety of value-added benefits that help you make any trip the experience of a lifetime.

Benefits of our Travel Insurance in USA

Cashless Hospitalisation Worldwide

Coverage for Total Loss of Checked-in Baggage

Emergency Hotel Extension

Daily Allowance in Case of Hospitalisation

No Medical Tests up to 85 Years of Age

Trip Cancellation and Interruption Reimbursement

Emergency Cash Advance (for instances such as theft, burglary, etc.)

Things to Do in USA

Comprising 50 scenic states, America has no dearth of tourist hotspots. From the bustling hub of New York City to the rustic beauty of Rocky Mountains, it offers the best of both worlds. The following are some of the most note-worthy destinations to visit:

This lively five-block intersection manages to lure in tourists from around the world. Take in the glittering lights, mega-stores, street performers and cafés that litter this vibrant place that makes it one of the most-visited places in the USA.

Located in the centre of Manhattan, the 843 acres of paths, lawns, lakes and gardens make it an ideal place to admire the serenity of nature. You can ride a bike, take a walk, run or even ride in a horse-drawn carriage!

Enjoy the bustling night life at this five-mile strip that is adorned with a number of modern architectural wonders. For the gourmet-lovers, it is an ideal fine-dine destination.

Revel in the grandiosity of the Grand Central Terminal. Its architectural beauty attracts close to 10,000 tourists every day.

Indulge the child in you by paying a visit to the original Disneyland Theme Park.

These are just some of the names off a long list of destinations. Places like the Golden Gate Bridge, Brooklyn Bridge, Hollywood, Great Smoky Mountains, the Grand Canyon and many more offer unique travelling experiences.

Embassy Information

It is useful to know the locations of the Indian Embassy and Consulates of any country that you visit. This information helps in the case of events like passport loss or theft. Here are the Indian Embassy and Consulate locations in the United States of America:

List of International Airports in USA

Visa procedure.

To apply for non-immigrant or travelling visa, first determine your visa type by reading Common Non-immigrant Visas (A guideline that explains the qualifications and applicable items.) Choose the suitable Visa Type. Next, complete the Non-immigrant Visa Electronic Application (DS-160) form.

Once you have determined the correct visa type and completed the DS-160, you must pay the visa fee. After remitting the visa fee, create a profile and keep your receipt number to book your visa appointment. Login to your profile and schedule an appointment with Visa Application Centre and US Embassy or Consulate. You will need to carry the required credentials and proof of identity.

Here are the locations of the US Embassy and Consulates in India:

List of Well-known Indian Restaurants in USA

Offering a mouth-watering range of desi delicacies, these are some of the most popular Indian-themed restaurants in USA:

Customer Reviews

Nitya Arora

Since I travel back and forth from Mumbai to Chicago for business meetings I needed the most comprehensive travel insurance. My boss suggested ICICI Lombard travel insurance policy as they offer a variety of value added services. So I read through the policy and was quite impressed with the list of benefits. Needless to say, my travels are much more relaxed now that I have an insurance cover.

Joseph Fernandes

I'm used to travelling solo and had recently gone to visit New York City, which was at the top of my bucket list. But my trip came to halt when I got into a traffic accident. This could have gotten me into a financial fix, but my ICICI Lombard travel insurance came to the rescue. They paid for my hospitalisation expenses and also gave me a daily allowance for additional expenses. Though there were a few minor injuries I could enjoy the rest of the trip as planned.

International Travel Insurance

ICICI Lombard also offers insurance for the below products

Two Wheeler Insurance

Car Insurance

Health Insurance

Home Insurance

• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024 Summary

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance

Top Travel Insurance Companies Comparison

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Best Overall Travel Insurance

Nationwide travel insurance.

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review .

Best Travel Insurance Runner-Up

Axa assistance usa.

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review .

Best Travel Insurance for Cruises

Travel guard.

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review .

Best Travel Insurance for Reputation

C&f travel insured.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Best Travel Insurance for Pre-Existing Conditions

Tin leg travel insurance.

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review .

Best Travel Insurance for Digital Nomads

Worldtrips travel insurance.

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review .

Best Travel Insurance for Affordability

Trawick international travel insurance.

Trawick is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review .

Best Travel Insurance for Road Trips

Travelex travel insurance.

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Tips for buying the best Travel Insurance for USA from India

If you’ve ever wondered if there were any tips for buying the best travel insurance for USA from India, you wouldn’t be the first one to do so. Travel insurance is a boon if you are constantly traveling to the USA or anywhere else for that matter. One of the best travel insurance tips is to try purchasing travel insurance right before your departure to places that cover a medical insurance, free medical stays if necessary and an emergency flight service to get you back home whenever needed. Don’t think about how long or short your trip or the distance is. Think about how safe you can be if you invest a little in travel insurance. So having travel insurance for USA from India or any international trip is always advisable.

An important thing to know is that medical expenses are costlier in other countries than in India. To exemplify, if you have a major finger cut and need to get it stitched, it might hardly cost you 3000/- rupees in India but if you bill it in USA, it will cost you nearly 40-50 times more. So make sure to have your medical insurance also with you along with travel insurance for USA from India in order to save yourself from a burning pocket. Make it a part of your travel insurance when you book economy or business class flights for your next trip.

Tips on When and Why to Buy Travel Insurance for USA from India:

• Burglary! The risk of burglary is something everyone is afraid of whenever we leave our homes alone. So make sure to have a travel insurance handy in case of theft as that might cover your expenses and you can also use it in case of luggage thefts during your trips.
• Imagine you have prepaid a huge amount of money and you need to cancel your trip! Cancellation insurance pops up right when you need it if you have it.
• Supplemental insurance covers up for you on your renter’s policy while you are away vacationing. This is again a great advantage you have when you purchase travel insurance for USA from India.
• Road trips are very much fun but you can make them secured too if you have a liability insurance. If you are renting a car then the rental agencies provide you with such insurances that provide cover in case of damage to the vehicles or people.
• Apart from all these, why wouldn’t you want to own travel insurance for USA from India when you can get the chance of availing so much from it?

Factors Contributing to Formation of Travel Insurance for USA from India:

• Insured Amount:  If you have insured a high amount then the policy or the premium that you opt for will be costly. Check the best travel insurance India has to offer and choose a plan which best suits your travel needs.
• Kind of plan:  There are a number of varieties when it comes to travel insurance for USA from India. We must choose a plan depending on factors such as whether our trip is a single trip or a multi-trip or if we are seniors or students. You get to choose your premiums as per your eligibility.
• Coverage:  In scenarios where you are out for adventurous trips like trekking or sky-diving , leaving home for a longer time, or if you have anything else to add to your trips, make sure to get coverage for them too as they get covered in the premium packs you choose. In case you are carrying a very expensive item then get insurance cover for that as well even though it might cost you a bit high.
• Duration:  Premium charges go higher if you are out on a trip for a longer time. So expect these charges to be more on travel insurance for USA from India for longer trips.
• Destination:  Travel insurance for USA, Canada , and similar countries is a bit costlier because medical expenses are higher in such places. So you need to consult and compare many companies for travel insurance for USA or other such countries.
• Age and Health:  The older you are, more the chances of you having health issues. You might already have a prescribed list of drugs but that can also increase your premium package price. However, there is no such insurance cover for travelers who are alcoholic or drug-addicts.

Best Travel Insurance for USA from India:

Now that you have a clear idea about what to and what not to purchase, look for some top companies that offer best travel insurance for USA and other countries from India. Choose as per your own comfort and affordability. If you are concerned more about the medical expenses then I suggest you choose TATA AIG travel insurance , ICICI Lombard travel insurance , Royal Sundaram, and Oriental United. If you are looking for add-ons like liability and cancellation then Bajaj Allianz travel insurance, Cholamandalam, New India, Apollo Munich, and Star Health are most preferred ones.

Some others you can consider include Reliance travel insurance , LIC travel insurance, and Religare travel insurance. You can always compare prices to find the best ones possible and buy the best travel insurance for USA from India.

Book cheap flight tickets with  Indian Eagle  and choose the best travel insurance for USA from India. This is all you need to do for a great trip. You can book cheap last minute flights as well. Express your views about this in the comments section below and do not forget to like and share this article if you find it useful.

– Travel Diary

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Best Travel Insurance For Visitors to USA

Travel insurance is important for anyone visiting the United States. With travel surging back to pre-pandemic levels, it only makes sense to insure your travel. ( Source ) There are many different policies and coverage options available, so it’s important to know what you need before you buy. Here are some tips to help you find the best travel insurance for visitors to USA.

In this article…

Best Travel Insurance for Visitors to USA

There is no definitive answer to this question as it depends on the individual’s needs. Some travel insurance policies may offer better health benefits for US visitors than others, so it is important to compare policies and find the one that best suits the individual’s needs.

Atlas America

If you’re looking for comprehensive travel insurance for your trip to the United States, Atlas America Travel Insurance is a great option. It covers everything from medical expenses to lost or stolen luggage, and even provides protection if you need to cancel your trip due to an emergency. The policy also includes trip interruption and delay coverage, so you’ll be reimbursed if your plans are disrupted. Plus, you can tailor your policy to include additional coverage for activities like skiing or golf.

• Patriot America

Patriot America Travel Insurance is a great option for US visitors looking for travel insurance. The policy offers comprehensive coverage for medical expenses, trip cancellation, lost or stolen luggage, and more. The policy also includes an emergency assistance hotline that can help you in case of an emergency while traveling.

Safe Travels USA Comprehensive

Safe Travels USA is a comprehensive travel insurance plan designed to protect US visitors while they are traveling abroad and visitors to US. The plan provides coverage for medical expenses, trip cancellation and interruption, lost or stolen baggage, and other travel-related mishaps. Safe Travels USA also offers optional coverage for adventure activities, such as hiking and skiing.

• Patriot America Plus

Patriot America Plus is a travel insurance plan designed for US visitors. It provides comprehensive coverage for medical expenses, trip cancellation, lost or stolen baggage, and other unforeseen expenses that may occur while traveling. The plan also includes emergency evacuation and repatriation coverage, as well as 24/7 access to a team of medical and security experts. Patriot America Plus is a great option for US visitors who want peace of mind while traveling abroad.

• Safe Travels USA

Safe Travels USA is a comprehensive travel insurance plan designed to protect visitors to USA and US travelers while they are traveling abroad. The plan includes coverage for medical expenses, trip cancellation and interruption, lost or stolen baggage, and much more. Safe Travels USA also provides 24/7 emergency assistance services to help travelers in case of an emergency.

Do you *really* need travel insurance for USA?

Travel insurance is a form of insurance that protects travelers from the risk of unforeseen risks when they are traveling. Travel insurance is a type of coverage that can be purchased to protect a traveler against certain types of risks while traveling, such as medical expenses, lost luggage, and cancellations.

If you are planning a long-distance trip or international journey, purchasing a travel insurance policy before your departure will ensure that you meet your compulsory insurance requirements and get the best possible coverage at the best price.

While you’re traveling, it’s important to remember that you’re still a tourist. Although your trip is supposed to be fun, you could also end up in an emergency situation. When you’re in a new place, it’s easy to forget that you don’t have the same health insurance options that residents have at home.

A visitor to the US should get travel insurance before their trip.

The cost of medical care in the US is much higher than it is in other countries. If you need treatment for an injury or illness, medical costs can be substantial.

It’s also easy to get caught without travel insurance in the US. Some places that provide free healthcare for residents may require payment when you visit. If you don’t have the money, you could end up in a very difficult situation.

What does travel insurance cover?

Travel insurance for the USA can cover a wide range of eventualities including medical expenses, lost or stolen property, cancellations or delays to your travel plans, and more.

A few typical coverages include:

Trip interruption

Trip interruption insurance for US visitors can reimburse you for non-refundable trip expenses, like airfare and hotels, if your trip is interrupted for a covered reason. Commonly covered reasons include severe weather, jury duty, and sickness.

Baggage and personal effects

If you have travel insurance for US visitors and your baggage is lost, most policies will cover the cost of replacing your belongings. Some policies may require you to submit a police report or other documentation in order to receive reimbursement.

Medevac (ambulance) evacuation

Medevac evacuation is covered in travel insurance for US visitors in the event that they need to be transported to a medical facility in another country due to an emergency. The coverage includes the cost of the transport, as well as any necessary medical treatment.

Non-refundable travel costs

Non-refundable travel costs are covered in travel insurance for US visitors in the event that the trip is cancelled due to a covered reason, such as sickness, injury, or weather. The coverage typically includes the cost of the flight, hotel, and other prepaid expenses.

Emergency healthcare payments

Emergency healthcare payments are covered in travel insurance for US visitors in the event that they need to receive medical treatment while in another country. This coverage can help to cover the cost of medical care, as well as transportation back to the United States if necessary.

Flight delays or cancellations

If your flight is delayed or canceled, most travel insurance policies will reimburse you for any non-refundable expenses, like tickets and hotels. Some policies will also cover lost or delayed baggage.

Meals and accommodations

If you are a US visitor and you purchase travel insurance, your meals and accommodations will be covered in the event that you need to cancel your trip or if you are stranded due to an emergency. This coverage is typically provided up to a certain dollar amount, and it is important to read the fine print of your policy to know what is covered and how much you will be reimbursed.

Travel assistance services

Travel assistance services are typically covered in travel insurance for US visitors. This can include things like emergency medical assistance, evacuation services, and 24/7 customer support. Some policies may also cover lost or delayed baggage, missed connections, and trip interruption.

Travel insurance for the USA should cover you for at least a few days in a hospital.

Types of travel insurance for US visitors

There are many different types of travel insurance for visitors to the USA, but some of the most common include medical insurance, trip cancellation insurance, and lost luggage insurance.

Medical insurance for US visitors

Medical insurance for visitors to the USA is a type of insurance that helps to cover the costs of medical care for people who are visiting the country. This type of insurance can help to cover the costs of medical care if you become ill or injured while you are in the USA.

Trip cancellation for US visitors

Trip cancellation insurance is insurance that reimburses a traveler for non-refundable, prepaid trip expenses if the trip is cancelled for a covered reason.

Lost luggage insurance for US visitors

Lost luggage insurance is insurance that covers the cost of replacing lost or stolen luggage. This type of insurance is often included in travel insurance policies, but can also be purchased as a standalone policy.

How much does travel insurance for visitors to USA cost?

Travel insurance for visitors to the US can save you money if anything goes wrong, but it’s important to find the right policy for your needs.

The cost of travel insurance for visitors to the USA varies depending on the insurance company and the coverage you choose. However, the average cost of travel insurance for a visitor to the USA is $30-$50 per person, per trip.

There are many factors that affect the cost of travel insurance to USA.

The most important factor is the length of the trip. The longer the trip, the more expensive the insurance will be.

Other factors that affect the cost of travel insurance include the age of the traveler, the destination, and the type of coverage.

What coverages are available under travel insurance for visitors to the USA?

There are many coverages available under travel insurance for visitors to the USA. Some of the most common coverages include emergency medical and evacuation coverage, trip cancellation and interruption coverage, and baggage and personal belongings coverage.

There are two types of travel insurance coverage: comprehensive and limited.

Comprehensive travel insurance covers a wide range of potential problems that could occur during your trip, including medical emergencies, lost or stolen luggage, and trip cancellation.

Limited travel insurance covers only a few specific problems, such as medical emergencies or trip cancellation.

Which is better? Comprehensive or Limited travel insurance?

There is no one definitive answer to this question as it depends on individual circumstances. Some factors to consider include the cost of the insurance, the coverage offered, and the individual’s needs.

Best Visitor Insurance Companies in USA

There is no definitive answer to this question as there are many different visitor travel insurance companies available, each with its own unique benefits and coverage options. Some of the best travel insurance health companies for visitors to USA include:

Allianz Global Assistance Travel Insurance

Allianz Global Assistance offers a variety of travel insurance plans for US visitors, including trip cancellation and interruption insurance, medical and evacuation insurance, and baggage and personal effects insurance.

• Allianz Global Assistance Classic
• Allianz Global Assistance Deluxe
• Allianz Global Assistance Premium

Travelex Insurance Services

Travelex Insurance Services offers a variety of travel insurance products for US visitors, including trip cancellation and interruption insurance, medical and evacuation insurance, and baggage and personal effects insurance.

• The Travelex Insurance Services Bronze plan offers basic coverage for US visitors traveling abroad.
• The Travelex Insurance Services Silver plan offers more comprehensive coverage for US visitors traveling abroad.
• The Travelex Insurance Services Gold plan offers the most comprehensive coverage for US visitors traveling abroad.

World Nomads

World Nomads offers travel insurance for US visitors that includes coverage for medical expenses, trip cancellation, lost or stolen baggage, and more.

AXA Assistance USA

AXA Assistance USA offers a variety of travel insurance products for US visitors. These include travel medical insurance, trip cancellation and interruption insurance, emergency evacuation and repatriation insurance, and baggage and personal effects insurance.

• Premier Travel Insurance
• Executive Travel Insurance
• Premium Travel Insurance

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection offers several different travel insurance plans for US visitors. The plans vary in coverage and price, but all offer protection for trip cancellations, interruptions, delays, and medical emergencies.

CSA Travel Protection

CSA Travel Protection offers a variety of travel insurance plans for US visitors, including trip cancellation and interruption insurance, medical and evacuation insurance, and baggage and personal effects insurance.

• CSA Travel Protection Gold
• CSA Travel Protection Platinum
• CSA Travel Protection Elite

Seven Corners

Seven Corners offers a variety of travel insurance plans for US visitors. The company offers both comprehensive and basic plans, as well as a variety of add-ons to tailor the coverage to each individual’s needs. Seven Corners also offers a variety of trip protection products, including trip cancellation and interruption insurance, baggage insurance, and more.

• Travel Select
• Travel Elite

Generali Global Assistance

Generali Global Assistance offers travel insurance for US visitors. Coverage includes trip cancellation and interruption, medical expenses, baggage loss and delay, and more.

• International Traveler
• Visitors Care

Visitor Insurance v/s Travel Insurance for US Visitors

Visitor insurance is a type of insurance designed specifically for people who are traveling to another country. Travel health insurance, on the other hand, is a type of insurance that covers medical expenses incurred while traveling.

The main difference between the two is that visitor insurance provides coverage for medical expenses incurred as a result of an accident or illness, while travel health insurance covers medical expenses incurred as a result of an illness or injury.

Which travel insurance plans are popular among short visitors to US?

Some popular travel insurance plans for short term visitors to the US include comprehensive plans, which cover a wide range of potential risks including medical emergencies, trip cancellation, lost or stolen luggage, and more; and medical plans, which provide coverage for medical emergencies and evacuation.

What are the top features to look for in a travel insurance plan before buying it?

There is no definitive answer to this question as different people will have different priorities when it comes to choosing a travel insurance plan. However, some of the key features that you may want to look for include:

1. Coverage for medical expenses

This is likely to be one of the most important considerations for many people, as medical care in the US can be very expensive. Make sure that the plan you choose provides adequate coverage for your needs.

2. Coverage for trip cancellation and interruption

If you have to cancel or interrupt your trip for any reason, you will want to be reimbursed for any non-refundable expenses.

3. Coverage for lost or stolen baggage

This can provide peace of mind if your belongings are lost or stolen while you are away from home.

4. 24/7 assistance

In case you need to make a claim or get help while you are away, it is useful to have access to 24/7 assistance.

5. Affordable premiums

Of course, you will want to find a plan that offers good value for money. Comparing quotes from different insurers is a good way to find a policy that meets your needs at a competitive price.

Also read: Best travel insurance for parents visiting USA from India .

If you’re planning a trip to the United States, be sure to purchase travel insurance. There are many different policies available, so it’s important to find one that meets your needs. Use the tips in this article to help you find the best travel insurance for your trip.

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• Introduction
• What's included?
• What's not included?

Travel Insurance For USA (United States of America)

The United States of America is all about all things beautiful from blue oceans and beaches, snow-capped peaks and loving cities. This diverse land with beaming light welcomes you with open arms. Its scenic landscapes and enthralling destinations will leave you speechless. When it comes to exploring the countries listed under The United States of America there’s no such place which will not offer the “WOW” factor. Be it a solo trip to Florida, a backpacking trip to Alaska, Family trip to Grand Canyon or a friend’s vacation to Las Vegas, USA offers you exhaustive travelling opportunities. Wandering in and around USA is fun, however travelling without a travel insurance may prove hazardous. Before planning for the perfect trip, look for travel insurance for USA online and choose the best travel plan to insure your trip.

Must Know Before Travelling to USA

Category:  Leisure/ Business/Education 

Currency: US Dollar

Best time to travel: May to September

Visa type for Indians: Pre approved

Must see Places:  Florida, Grand Canyon, Las Vegas, New York & Disney Land.

Travel Insurance for USA: While USA is a tourist-friendly continent, it is important to secure your belongings and travel agenda. Common mishaps such as loss of baggage or flight delays may affect your tour plan drastically; hence getting travel insurance is important for your next U.S.A Tour.

#the above are for information purpose only. Please consult your travel agent or respective embassy before planning your travel

What’s Included? Medical Related Coverage

Emergency medical expenses.

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital Cash - Accident & Illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Baggage-related coverage

Loss of checked-in baggage.

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of checked-in baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft Of Baggage And Its Contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

Journey-related coverage

Flight delay & cancellation.

Flight delays or cancellations may be beyond our control, but we sure can do a little something to help make them less annoying. Our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and conditions.

Loss Of Passport & International Driving License

Losing important documents can leave you stranded in a foreign land. So, we will reimburse you for expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We 'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Leave that to us. Let us take care of it while you recover.subject to policy terms and conditions.

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination. Subject to policy terms and conditions.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India.

Other related articles

Tips to follow when buying travel insurance for usa, essential things covered by your travel insurance, quarantine coverage in international travel insurance, type of travel insurance in india, all you need to know about travel insurance while flying, 5 reasons why travel insurance is important, what's more, frequently asked questions, 1. how can i get a travel insurance usa plan.

If you are going to the USA, it is advisable to opt for a travel insurance plan since the plan would cover the financial liabilities that you might suffer on the trip. Buying the travel plan for the USA trip is quite simple as HDFC ERGO offers various modes of purchase. Such modes are as follows –

● Offline mode

You can visit the nearest branch office of HDFC ERGO and apply for a travel insurance policy for the USA. You would have to fill up a proposal form and submit it to the company with the premium amount. The company would underwrite the policy and issue it post successful underwriting.

● Online mode

The online mode is a simpler alternative to buying a travel insurance plan for the USA. You can buy the policy instantly through HDFC ERGO’s online website. The process is as follows –

● Visit https://www.hdfcergo.com/travel-insurance and click on ‘Buy Now’

● In the online proposal form, fill in the type of trip that you are undertaking (individual travel, family travel or student travel), the members travelling with you, their respective ages and hit ‘Continue’

● Then specify the country as the USA and enter in your departure and arrival dates

● Click on ‘View Quotes’ to check out the coverage options and the premiums that you would have to pay

● Select the suitable plan and pay the premium online

Once the process is completed, the travel insurance policy would be issued instantly and you would be covered during the trip duration.

2. How much should I pay for travel insurance USA plan?

The premium amount for your travel insurance plan covering the USA depends on a number of factors.

Number of members travelling

● Their age

The premium of a travel insurance plan is directly proportional to age. Premiums are higher for higher ages and vice-versa.

● The sum insured

The premium is directly proportional to the sum insured. Higher sum insured levels would mean higher premiums and vice-versa.

● Trip duration

The longer the trip duration, the higher would be the premium.

As such, once you enter your trip-related details in the online premium calculator, you can find the amount that you would have to pay for buying a travel plan for the USA. For instance, if you and your spouse, aged 36 and 35 years respectively, are travelling for 4 days, the premium would be as follows –

● Silver – Sum insured USD 50,000 – Premium Rs.948 (exclusive of taxes)

● Gold – Sum insured USD 100,000 – Premium Rs.1141 (exclusive of taxes)

● Platinum – Sum insured USD 200,000 – Premium Rs.1339 (exclusive of taxes)

● Titanium – Sum insured USD 500,000 – Premium Rs.1729 (exclusive of taxes).

3. Is it mandatory to buy a medical travel insurance USA plan?

As such, it is not mandatory to buy a medical travel insurance plan when visiting the USA. That being said, the medical expenses in the USA are quite expensive. A simple hospitalization can amount to lakhs and if you undergo any treatment, the medical bills can be considerable. When you are travelling to the USA, you cannot predict medical emergencies. You might fall ill or injure yourself requiring hospitalization. In such situations,the medical bills can blow a hole in your pockets. Your savings might be drained and you might also have to avail of a loan to pay for the expensive treatments taken in the USA. As such, you might suffer considerable financial losses which, in the absence of a medical travel insurance plan, might be distressing.

Besides coverage for emergency hospitalization, HDFC ERGO’s travel insurance plans for the USA provide a host of coverage benefits. You can get covered for loss or delay of checked-in baggage, hospital daily allowance, medical evacuation, medical repatriation, accidental death or disablement, personal liability, emergency assistance, hijack allowance, etc. So, in the case of unforeseen emergencies, the policy provides financial assistance.

Since the USA is an expensive country, buying a travel insurance policy is recommended. At a small and affordable premium, you can get considerable coverage against trip-related contingencies.

4. Is there any free healthcare in the USA?

Healthcare in the USA is a mix of both private and Government-sponsored health programs. There are, thus, paid and free clinics and hospitals. However, the free healthcare facility, sponsored by the Government, is offered to the citizens of the country. Tourists or visitors cannot avail themselves of free healthcare facilities. So, when travelling to the USA, if you suffer from any medical emergency and need assistance, you would have to pay for the same.

When it comes to healthcare facilities, the USA has one of the best treatments and medical technology. However, the facilities do not come cheap. The cost of hospitalization and treatments is quite expensive and can easily amount to lakhs in Indian currency. That is why, when you are travelling to the USA, it is advised to opt for a travel insurance policy.

A travel insurance policy covers medical emergencies and pays for your medical bills. Thus, with a travel plan at your disposal, you would not have to search for or worry about free healthcare facilities on the trip. You can avail of the necessary treatments and the travel insurance plan would cover the costs involved.

HDFC ERGO’s travel insurance plan for the USA covers –

● Emergency medical expenses

● Hospital daily cash allowance

● Emergency medical evacuation and repatriation

● Accidental deaths and disablements

● Repatriation of mortal remains

HDFC ERGO’s travel plan is, thus, quite comprehensive and can allow you to avail of the best healthcare facilities without worrying about the costs involved.

5. Can foreigners buy health insurance in the USA?

Yes, foreigners can buy health insurance in the USA. the country offers a range of health insurance solutions that are available to all.

However, health insurance in the USA is not cheap. It can cost a considerable amount of money. That is why, if you are an Indian citizen and are travelling to the USA as a student or as a visitor, it is recommended that you buy a medical insurance plan in India itself.

HDFC ERGO offers overseas medical insurance plans for Indian citizens travelling to the USA. The policy is a travel insurance policy that covers your trip duration and allows coverage in the case of medical emergencies. If you are hospitalized when travelling to the USA, the policy would pay for the hospital bills. Moreover, coverage for the following is also available under HDFC ERGO travel insurance plans for the USA –

● Medical evacuation and repatriation

● Hospital cash allowance for each day of hospitalization

● Accidental death

● Permanent total disablement suffered in an accident

You can buy HDFC ERGO’s USA travel insurance plan both for personal or business travel. There are three types of plans available –

● Individual travel plan covering a single individual travelling to the USA

● Family travel plan covering the whole family in a single plan

● Student travel plan covering a student travelling to the USA for higher education

Besides health insurance coverage, you can also enjoy a host of other coverage benefits in HDFC ERGO’s travel insurance plan for the USA. There are different plan variants too so that you can choose the coverage that best meets your requirements.

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• Key takeaways

Do I need travel insurance to visit India?

How much does travel insurance for india cost, what does travel insurance for india cover, what isn’t covered by travel insurance for india, tips for getting the best india travel insurance, india travel information & requirements, faq: india travel insurance, related topics.

Travel Insurance for India: U.S. Visitor Requirements & Quotes

• You must have a visa and a valid passport to visit India .
• Although travel insurance isn’t required, it’s advisable to at least purchase travel medical and medical evacuation coverage because India won’t accept your U.S. health insurance .
• More comprehensive policies can also cover other travel mishaps , such as trip cancellations and delays, lost baggage and car rentals.
• According to our research, our top picks for travel insurance for India come from Seven Corners, Tin Leg, and AXA Assistance USA ( skip ahead to view these plans ).
• Costs for travel insurance vary, but you can typically find basic medical coverage for less than $1 per day .
• To view multiple plans at once and find the best coverage to suit your needs, try using an online comparison tool .

Our top picks for the best india travel insurance

• Seven Corners: Best Value for Robust Coverage & Medical Emergencies
• Tin Leg: Best Rated Overall
• AXA Assistance USA: Best for Budget Friendly Travelers

Our top picks for travel insurance for India

Seven corners.

AXA Assistance USA

India does not require tourists to have travel insurance . However, traveling in India can come with a significant amount of risk. A travel insurance policy covers medical care and medical evacuation, so you can move around the country with peace of mind. If you become injured or sick, you won’t be saddled with an expensive medical bill.

Travel insurance also protects you from other unexpected circumstances that could affect your trip. If a natural disaster forces you to cancel or a political protest disrupts your plans, your policy can help reduce the financial impact. 

It can also help you prepare for other risks, such as those discussed below.

Risk of pickpockets and tourist scams

Pickpockets and petty thieves run rampant in India, often targeting unsuspecting tourists. They operate in crowded tourist destinations, such as airports and famous sites like the Taj Mahal.

Tourist scams are another common occurrence in India. Scammers try to lure travelers with false promises, only to extort them for money or put them in dangerous situations. In other cases, criminals drug visitors before robbing them. Travel insurance with coverage for personal items can help pay to replace stolen items.

Risk of canceled day trips or tours

Tours and day trips are a popular way to see sights in India. Since many operators have little to no oversight, they may cancel these excursions at the last minute without reimbursing you. Certain travel insurance policies can reduce the risk of financial loss by covering nonrefundable costs for interrupted or canceled tours.

Risk of political demonstrations 

Political demonstrations in India can be large and disruptive. In some cases, they affect airlines, train lines and major roadways. When a demonstration arises before or during your trip, you may have a hard time reaching your destination. In some cases, widespread protests make it too dangerous for foreigners to visit the affected areas. A travel insurance policy can help you recover the costs of canceling the trip, rebooking flights, or making unexpected hotel stays.

Risk of severe weather conditions

Many parts of India experience severe weather at various times throughout the year. In southern India, the monsoon season often brings severe flooding; the northern part of the country sees intense dust storms. Dangerous heat waves are possible across most of the country. While you can’t predict serious weather events, you can use insurance to prevent significant financial losses if storms affect your trip.

Best Value for Robust Coverage & Medical Emergencies

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Overall

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Best for Budget Friendly Travelers

Our official sales figures over the past year show that our customers paid an average of $136.70 for travel insurance to India.

We found that travel insurance for a trip to India can cost as little as $1 per day for the most fundamental medical and medical evacuation coverage. A more comprehensive plan that covers trip cancellations and interruptions will cost around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to India, we requested quotes from four leading travel insurance providers.

We used these details for all of our quotes:

• Age : 35 years old
• Destination : India
• Trip Length : 7 days
• Trip cost : $2,000
• Date: September 2024

You can see our quotes for basic travel insurance in the table below. Prices range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Our quotes for policies that include trip cancellation and trip interruption coverage are in the following table. Prices range from around $7 to $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

It’s important to note that the cost of India travel insurance is different for everyone. 

Providers base your policy premium on factors such as:

• Trip duration
• Cost of the trip
• Current health insurance
• Elapsed time between policy purchase and first trip deposit

As with any type of insurance, every plan offers different types and levels of coverage.

We break down some of the most common coverage types below.

Trip cancellation insurance

Trip cancellation coverage helps you recover prepaid, nonrefundable trip costs if you have to cancel your plans. Travel to India is expensive, especially if you’re booking popular hotels and tours. If you fall ill a week before your flight and you’re too sick to travel, insurance can ensure that you don’t lose money in the process.

Trip delay insurance

This type of insurance covers the extra expenses that arise if your India trip is held up due to circumstances beyond your control. If your connecting flight from Amsterdam to New Delhi is pushed to the next day, insurance can cover a last-minute hotel booking and taxis to and from the airport. Keep your receipts, and you might also be able to get reimbursed for meals and nonrefundable hotel stays in your final destination.

Trip interruption insurance

Trip interruption coverage kicks in if unexpected circumstances require you to cut your vacation short. As long as the reason for the interruption is covered, the policy will typically refund the non-refundable costs of the rest of the trip . It might also cover the flight back to the U.S.

Travel medical insurance

If you get hurt or fall ill while you’re exploring India — a possibility, given the country’s inconsistent safety regulations — travel medical insurance covers the costs. In most cases, you’ll need to pay the healthcare bills first and file a claim for reimbursement. Some plans will work directly with the medical provider to settle bills if you need hospitalization after an accident or a bout of dengue fever.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation in case of a medical emergency. It’s critical for trips to India — healthcare facilities aren’t always available away from major cities. That means if you’re injured while trekking in the Himalayas or cruising in Kerala, you may need to be transported a long distance by air to get to a hospital. When the situation is serious enough, a medical flight back to the United States may be necessary.

These services are expensive, but evacuation coverage can take care of the bill. Make sure you choose a policy with a high limit when traveling to India, particularly if you’re planning an adventurous itinerary to rural parts of the country.

Insurance for personal items

Personal item coverage helps you pay for damaged, lost or stolen belongings. Given the risk of theft and pickpocketing in India, this type of insurance is essential. Limits can vary considerably between policies; you may need to shop around to find adequate coverage if you’re packing computers, phones and cameras.

Rental car coverage

This type of insurance pays for damage to your rental car. It’s usually offered as an add-on for an extra fee, but don’t skip it if you’re renting a car in India — road conditions and driving safety are well below U.S. standards in many areas.

Every travel insurance policy comes with exclusions, which are things the plan will not cover. For example, if your policy excludes preexisting medical conditions , it won’t pay cancellation costs if you have to cancel due to a chronic health condition.  

Standard travel insurance exclusions are:

• Pregnancy (except for complications)
• Anxiety and mental health
• Routine medical or dental procedures
• High-risk activities
• Extreme sports and professional sports
• Trips that go against medical advice
• Storms that have already been named
• Illegal activities

It’s also important to note that your policy might refuse to cover anything for which you don’t have the appropriate documentation. If you need to seek medical care, or you plan to file a claim for trip cancellation or interruption, call the provider immediately to ask about documentation requirements.

A wide range of providers offer travel insurance to India. 

These tips can help you select a plan that provides ample coverage and peace of mind:

Research your destinations.

If you’re traveling to rural parts of India, make sure your insurance policy includes a high limit for medical evacuation. That way, you’re less likely to incur high bills for medical flights.

Check emergency procedures.

Some providers deny medical claims if you fail to call the emergency assistance line before seeking help. That’s not always possible in areas of India that don’t have cell service.

Consider how you’re traveling around India.

Travel insurance policies don’t apply to every mode of transportation. If your plans include hitching a ride or renting a motorcycle in India, make sure it’s covered in case of an accident.

Examine the risk level of activities.

Read the policy exclusions carefully to ensure that your intended activities are covered.

Buy a policy as soon as possible.

By buying as soon as you book the trip, you’ll be protected for longer. Coverage usually starts from the purchase date.

Are there COVID-19 restrictions for U.S. tourists?

No, as of February 13, 2023, there are no COVID-19 restrictions for U.S. tourists.

Do I need a visa or passport to travel to India?

You need both a visa and a passport to travel to India . You can apply for an eVisa online. If you’re approved, you can travel in India for up to 60 days. Make sure to apply at least four days before you’re scheduled to arrive. To stay longer, you must apply for a standard tourist visa at the nearest Indian consulate or embassy.

Before you apply, check the expiration date on your passport . The document must be valid for at least six months after the application date. Indian immigration officials require two blank pages to accommodate visas and stamps.

Is it safe to visit India?

India can be a safe destination for savvy tourists — however, you must exercise a great deal of caution . Petty crime is common, as are scams. Female travelers must be especially careful as there have been many reports of sexual assault and violence against women, including tourists. The U.S. Department of State advises women to dress according to local custom and avoid traveling alone in India. 

There is also a chance of terrorism and civil unrest throughout India, particularly in the northeastern states, central and eastern India and areas near the Pakistan border.

Can a US citizen buy health insurance in India?

As a citizen of the US traveling to India, it is far more beneficial for you to purchase a travel insurance policy before you leave for your vacation. Doing so prepares you for early unforeseen circumstances such as delayed flights or canceled bookings. NRIs (non-resident Indians) may be able to purchase health insurance in India. Still, as U.S. travel insurance companies are fully regulated, you are far safer securing your coverage within the states.

Can I use my U.S. health insurance in India?

No, you cannot use most standard U.S. health insurance policies in India.

Can a U.S. citizen buy travel insurance in India?

A few insurance providers allow you to purchase travel insurance after you’ve started your trip in India. However, you may be subject to higher fees or a waiting period before you can make a claim.

Is it better to buy travel insurance from India or U.S.A.?

It’s best to buy travel insurance for India while you’re still in the United States. You can buy it from a domestic or international provider — just make sure the company is reputable and that the policy applies to American travelers.

About the Author

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank , Lendzi , MoneyTips and Indeed , providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire , Reworked , WalletGenius and The Customer , serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

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Indian travel insurance for visiting USA

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Which is the best travel insurance for usa from india , which is the best travel insurance for a trip to the usa from india, illustration : travel medical insurance premium for a 35/61 year old person travelling to new zealand for 15 days:, can a tourist get health insurance in usa, international travel insurance to usa, popular destinations in usa.

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Benefits of Buying Travel Insurance

One of the most important financial securities a traveller can avail for visitors while going abroad is insurance coverage. In the critical event of hospitalization or emergency medical treatment or any non medical emergency, travel/health insurance will come to the immediate assistance of the traveller. There are visitors insurance plans designed by Indian insurance companies for travellers staying abroad even for a short stay. Compare free quotes and buy visitors insurance online.

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There will not be additional fees or extra cost for any of the services offered at eIndiaInsurance.

It is very simple to get quote and choose your preferred option at eIndiaInsurance.

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Pay only the premium cost and get enrolled to the policy of your choice in under 3 minutes at eIndiaInsurance.

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Complete a simple online application to compare plans and buy your chosen plan at the most competitive premium on eIndiaInsurance.

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The customer support team at eIndiaInsurance will provide you all support required to buy your preferred insurance plan, or endorse or cancel it if required. We are there to assist you at the time of a claim as well.

Travel insurance useful links

How to buy online.

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after approval.

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Travel Insurance For a Trip to India (2024)

Travel insurance protects your trip expenses and offers you financial peace of mind. See how to get covered and what travel insurance costs for a trip to India.

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From sightseeing in Mumbai to hiking the Himalayas, travel insurance can protect your investments on your vacation to India. Travel insurance for India can help cover you financially if your trip gets canceled, you incur medical expenses abroad or an airline loses your baggage.

No one wants to call off overseas travel, but sometimes the unexpected happens and interrupts your plans. Read on to learn about policy terms, costs and information about traveling to India.

Compare India Travel Insurance Companies

Use the table below to compare the best travel insurance companies for a trip to India:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

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Rating Factors

Do I Need Travel Insurance for India?

Travel insurance plans are not required to visit India. However, travel insurance can protect you from losing nonrefundable costs if your trip gets interrupted or you experience a health emergency. Most U.S. health insurance plans do not cover medical expenses overseas, like if you require hospitalization or emergent care. But you can add protection by purchasing a travel insurance policy with emergency medical coverage.

It’s important to check policy documents regarding participation in activities such as adventure sports and motorbike riding, which insurance may not cover. However, even if you’re simply exploring Delhi, heat exhaustion or minor incidents may require medical treatment you can cover by filing a travel insurance claim.

Travel insurance can reimburse some or all prepaid costs for trip delays or cancellations. So you won’t have to rely on airline policies to recoup losses if your flight to India is delayed or canceled for reasons outside your control. A policy can also cover a delay of checked-in baggage and lost or stolen belongings.

Cancel for Any Reason Coverage

Most travel insurance providers offer cancel for any reason (CFAR) coverage , which covers nonrefundable trip costs without limits on why you need to cancel.

Standard travel insurance coverage includes cancellation for predetermined reasons, including the death of a family member or a personal accident or illness. But CFAR coverage allows you to cancel plans for reasons outside your policy. So if you cancel your trip to India to go to Canada or Thailand instead, your insurance company is more likely to reimburse travel costs if you have CFAR coverage.

CFAR is subject to rules that vary among different travel insurance providers. Rules may include exclusions and time limits, such as a requirement to cancel within 48 or 72 hours of your vacation start date. It is typically offered as a policy add-on, which may increase your insurance premium.

Gear Theft Protection

Travel insurance also offers coverage for valuable items and expensive equipment so you can travel to India with added peace of mind. Gear theft protection is useful if you’re traveling with valuables such as:

• Smartphones
• Professional cameras and video equipment
• Adventure sports gear

Check your international travel insurance plan for inclusions, exclusions and the sum insured. Certain travel policies may not cover everything, like the full cost of stolen valuables after your deductible. Generally, reimbursement includes items that are damaged, lost or stolen through common carriers such as airlines or tour organizations. Many travelers leave items at home or locked in hotel rooms if they are too valuable to lose.

Medical Emergency Insurance and Emergency Medical Evacuation

According to the U.S. Department of State , the quality of medical care in India varies depending on your location. You may have an easier time finding medical care in more populated cities versus rural areas. But regardless of your location, travel medical insurance can cover health emergencies and help you avoid significant medical costs.

Policies may vary regarding coverage of pre-existing diseases or medical conditions. Standard medical coverage typically includes:

• Hospital fees
• Operating room charges and anesthesia
• Dental emergencies
• Lab tests and X-rays
• Accidental death and dismemberment

Most travel health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country.

Rental Car Protection

Many people choose to explore India via a guided tour or with private drivers due to traffic conditions, specifically in big cities. The country requires that rental car companies provide third-party personal liability insurance to cover deaths, injuries or property damage while using rented vehicles. However, companies may offer you the option to purchase additional rental car coverage.

Depending on the type of car insurance and coverage you choose, premium plans may include the following:

• Collision damage waiver and theft protection
• Tire and windshield protection
• Roadside protection
• Personal effects coverage

As a separate safeguard, a standard travel insurance policy generally includes rental vehicle coverage to reimburse you for stolen or damaged cars. Some policies may offer this coverage as a policy add-on, which costs extra.

Trip Cancellation Insurance

Trip cancellation insurance covers nonrefundable trip costs (like your flight or hotel) if your trip to India gets canceled unexpectedly. Coverage extends to the insured person or policyholder for a limited number of reasons, including:

• Death of family members
• Hospitalization or serious illness
• Severe weather conditions preventing departure
• Jury or military duty
• Domestic or international terrorism (such as a hijack at air or sea)

Opt for CFAR coverage for more general cancellations, like a compassionate visit to someone in the hospital, concerns about pre-existing conditions or simply changing your mind. Note that your policy may not cover cancellations due to certain natural disasters (such as flash flooding in India) if you travel after a known event.

How Much Does India Travel Insurance Cost?

The cost of India travel insurance largely depends on your trip details and personal risk factors. For example, a senior citizen who requires a regular check-up for pre-existing medical conditions may pay more for a policy, whereas student travel insurance is generally the cheapest.

Plan options may include single-trip travel insurance for a one-time visit to India. Or if you’re traveling from Schengen countries to Australia and then onto India, you might find multi-trip travel insurance more cost-effective. In this example, a U.S. citizen would not need a Schengen visa to travel between countries but would require a tourist visa to enter India .

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to India. The below quotes are for a 30-year-old traveler from Florida, traveling to India for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

 These quotes were collected in April 2024 for a trip in September 2024.

Keep in mind that your cost may vary depending on your personal details and trip duration or end date. If you are on a budget, check out our picks for cheap travel insurance options .

How Do I Get Travel Insurance for India?

When planning your vacation to India, check your credit cards and health insurance as you may already have some forms of coverage. Some credit card companies extend certain travel coverages, and private health insurance may extend to emergencies abroad. You can also buy travel insurance directly through your airline when purchasing flight tickets.

If you decide to purchase travel insurance, take your time to shop around and compare plans. It’s important to check your policy wording for coverage exclusions so you are not surprised during the claims process. For example, policies may include varying coverages for lost baggage , which can affect how much you receive in a claim settlement.

The right travel insurance policy for you should take into account your personal needs. If you plan to hike or participate in sporting activities, look for coverage that includes medical emergencies and sporting gear. Or find a trip plan with optional CFAR coverage if unexpected trip interruptions are a concern.

India Safety Tips

Below are travel and safety tips to help you enjoy a hassle-free Indian vacation.

Crime and Safety

The India Travel Advisory from the U.S. Department of State is at a Level 2: Exercise Increased Caution. According to the State Department, the level is in place due to growing crime across tourist destinations, along with possible terrorist attacks. Check updated information for certain areas with Level 4: Do Not Travel advice.

It’s recommended to avoid demonstrations and always follow instructions from local authorities. Be aware of your surroundings in big crowds and guard your belongings from pickpockets. Take note of local media concerning breaking events and adjust your plans accordingly.

Day Trips, Tours and Excursions

From seeing the Taj Mahal to learning how to cook Indian food, tours are a fantastic way to see the country. Some international travel insurance policies can safeguard you from financial loss related to travel excursions — like cruise insurance from Nationwide.

Always book tours and day trips through reputable companies. Seek advice from hotel concierges and trusted travel agents. For more information, visit India’s official tourism website .

India currently does not have any rules or restrictions regarding COVID-19 and U.S. travelers. However, the situation is subject to change. Visit the Indian government’s Bureau of Immigration for up-to-date information.

Is Travel Insurance for an India Vacation Worth It?

Travel insurance is not mandatory for a vacation to India. However, it can help you recoup finances due to potential baggage loss, stolen valuables, canceled flights and more. Travel insurance can also cover medical expenses if you experience an emergency abroad. Other reasons why travel insurance is worth it include peace of mind in knowing you have coverage on your trip to India, whether it be for sporting equipment, a delayed flight or a trip to urgent care.

Frequently Asked Questions About Travel Insurance in India

How can i claim flight compensation.

Travel insurance is the best protection against canceled flights to India. Most U.S. airlines will only compensate you if the company is at fault for cancellations or delays. But even then, restrictions apply.

Do I need travel insurance to fly to India?

Travel insurance is not required to fly to or enter India. But a policy is recommended to cover trip cancellation and potential medical expenses. It can also cover the loss of passports and other important documents, stolen or damaged valuables and sporting gear.

What does travel insurance for India cover?

Travel insurance covers a variety of unexpected events and risks, including medical emergencies, flight cancellations or delays, lost luggage and stolen valuables. Different types of travel insurance plans may also include coverage for sporting equipment and rental car damage.

Do all credit cards include travel insurance?

Not all credit cards offer travel insurance. But travel rewards cards may offer a level of travel insurance. Check your policy documents for coverage details. You can also use travel cards to earn rewards points if you prefer to travel cashless.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Travel Insurance Resources

• US citizens overseas
• Travel to India

Travel insurance for India from USA, Travel insurance USA to India

Travel insurance quote form, do you want to insure trip cost as well as the health of the traveler, please click here to buy travel insurance for quarantine coverage, travel insurance with trip protection coverage - highlights, trip cancellation.

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Travel medical insurance with no trip protection - Highlights

Health care expenses.

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Repat of remains

Return of moral remains to home country or local burial.

Travel insurance from USA to India

There are many US travelers to India, a good number of whom have family or friends in the country. However, US travelers to India should buy the best travel insurance from USA to India given the risks involved in international travel. India’s healthcare infrastructure varies dramatically across the country.

Most Indian metropolitan cities like Delhi , Mumbai , Bangalore , Chennai boast of excellent healthcare infrastructure, the same is not true outside the big cities. Also, the healthcare in the good hospitals is not cheap. It is prudent to buy best travel insurance in India which can provide help in navigating through India’s healthcare infrastructure both in terms of identifying good healthcare as well as paying for it along with insuring trip costs and baggage loss or delay.

When traveling from the US to India, obtaining comprehensive travel insurance is essential to safeguard yourself against unexpected situations. Travel insurance to India from USA provides coverage and protection in case of unforeseen events or emergencies during the trip. Trip cancellation Insurance cover trip cancellation, trip interruption, travel delay, loss of luggage, baggage delay... Cancel for any reason is an additional benefit available which will refund 75% of the trip cost in case of trip cancellation if the traveler cancels the trip for any reason. These benefits are very useful for US travelers who are unsure of their travel schedules so that they do not have to lose their travel investment if they do not travel.

India - General Information

Popular states in india.

Popular cities in India

Popular wildlife destinations in India

Jim Corbett National Park

Kanha Tiger Reserve

Ranthambore National Park

American traveler insurance including trip cancellation coverage.

US citizens should consider buying trip protection insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Covid quarantine travel insurance , medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

• Non refundable cost of the trip.
• Unexpected medical expenses of the traveler.
• Loss or damage to the insured’s possessions.

Following are the trip insurance plans:

IMG Trip insurance

The trip insurance offered by IMG is a three-tiered series of plans: Travel Lite , Travel SE and Travel LX . These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.

Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.

Safe Travels Trip protection insurance

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are popular plans for trip related expenses.

The Safe Travels First Class Trip Protection , Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the ' Cancel for any Reason ' which is available as a rider at an additional cost.

The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.

Trip Protector Preferred insurance

• Available for US citizens and residents traveling outside the United States
• Includes $2000 in travel delay benefits for Covid quarantine/lodging.
• Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
• Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation

Seven Corners Trip Protection Insurance Plans

The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice . There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.

Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.

There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.

Travel Insurance Services Trip Protection Insurance Plans

Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.

Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.

International travel health insurance from USA

Trip cancellation insurance.

Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.

Cancel for any reason(CFAR)

Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.

Rental car collision

Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.

US citizen annual travel insurance

US citizens and resident who are business people and working professionals travel overseas quite often and it is good to have international travel health insurance.

Cost of best US Citizens Visitor Medical insurance USA 2024

Atlas international insurance.

$50,000 - $1,000,000

• WorldTrips Atlas International is an Ideal for US citizens traveling outside their home country,excluding USA.
• Atlas International insurance underwritten by Lloyds, London and rating AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-.
• Policy maximum options available are $50,000, $100,000, $250,000, $500,000, $1,000,000 and $2,000,000.
• Deductible options available are $0, $100, $250, $500, $1000, $2500 and $5,000.
• Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).

Atlas Travel Insurance Brochure Links

Patriot international lite insurance.

$50,000 - $2,000,000

• Patriot International Lite form IMG is available US citizens traveling outside their home country,excluding USA.
• This plan is underwritten by Sirius International Insurance Corporation and rating “A” (Excellent) by A.M. Best.
• Policy maximum options available are $50,000, $100,000, $500,000, and $1,000,000
• Deductible options available are $0, $100, $250, $500, $1000, and $2500.
• Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years

Patriot International Lite Travel Brochure Links

Diplomat international insurance.

• Global Underwriters Diplomat International plan is available for people traveling outside their home Country excluding USA.
• Underwritten by C&F Cayman SPC for and on behalf of ITI SP and rating AM Best Rating: "A" (Excellent)
• The policy maximum options available are $50,000, $100,000, $500,000, and $1,000,000
• The deductible options available are $0, $100, $250, $500, $1000, $2500 and $5,000.
• Covers Unexpected recurrence of a pre-existing condition up to $20,000; ($2,500 for age 65 and older)(US Citizens only)

Diplomat Longterm Insurance

$500,000 - $1,000,000

• Global Underwriters Diplomat LongTerm plan is available for people traveling outside their home Country excluding USA.
• Policy maximum options available are $500,000 and $1,000,000
• Underwritten by C&F Cayman SPC for and on behalf of ITI SP and rating AM Best Rating: "A" (Excellent).

Safe Travels Outbound Insurance

$50,000 - $500,000

• Safe Travels Outbound from Trawick International is available for US citizens and US residents traveling outside of the US.
• Underwritten by Crum & Forster SPC and rating “A” (Excellent) by A.M. Best.
• This policy provides the medical maximum options of $50k, $100k, $250k, $500k.
• Covers pre-exiting conditions after 6 months of waiting period.

Voyager Essential Insurance

• Applicant's home country must be the US
• Underwritten by 4 Ever Life and rating
• The deductible options available are $0, $100, $250, $500.
• Pre-existing conditions are covered with a 180-day exclusion.

Intermedical Insurance

$50,000 - $150,000

• Intermedical insurance form Travel Insure is available US citizens traveling outside their home country,excluding USA
• Underwritten by Lloyds, London and rating AM Best Rating: A.
• Policy maximum options available are $50,000, $100,000 and $150,000
• Deductible options available are $0, $250, $500 and $1000.
• Covers acute onset of pre-existing conditions up to chosen maximum limit.

International Medical Group (IMG)

Itravelinsured travel lx insurance.

• IMG iTravelInsured Travel LX Insurance is available for US Residents on domestic and worldwide trips
• Underwritten by United States fire insurance company and rating “A” (Excellent) by A.M. Best.
• Pre-existing condition exclusion waiver is covered if purchased within 24 hours of final trip payment.
• Maximum trip duration is 180 days.

Trawick International

Safe travels single trip protection.

• Trawick International Safe Travels Single Trip Protection available for US residents traveling within the US or abroad.
• Underwritten by Nationwide Mutual Insurance Company and rating AM Best Rating: “A (Excellent)”
• Pre-existing condition exclusion waiver is included with this plan.
• Coverage for a maximum of 90 days

Safe Travels First Class Trip Protection

• Coverage for a maximum of 30 days

Safe Travels Armor

• Trawick International Safe Travels Armor plan is available for US residents traveling within the US or abroad.
• Pre-existing condition exclusion waiver is included if purchased within 14 days of initial deposit.
• Maximum trip length is 90 days.

Safe Travels Rental Plus

• Trawick International Safe Travels Rental Plus is available for US residents traveling within the US or abroad.
• Pre-existing condition exclusion waiver is included if purchased within 21 days of initial deposit.
• Maximum trip length is 30 days.

Safe Travels Voyager

• Trawick International Safe Travels Voyager Insurance is available for US residents traveling within the US or abroad.
• Maximum trip length is 180 days.

SafeTravels Flex

• Trawick International Safe Travels Flex is available for US residents traveling within the US or abroad.

Seven Corners

Trip protection choice.

• Seven Corners Trip Protection Choice is for U.S residents and U.S citizens who wish to travel within the U.S or travel overseas /internationally.
• Underwritten by United States Fire Insurance Company and rating A (Excellent) by AM Best.
• Pre-existing condition exclusion waiver is included if purchased within 15 days of initial deposit.

Trip Protection Elite

• Seven Corners Trip Protection Elite is for for residents of New York and Washington travelling in the United States /internationally.

Visa free travel countries for US citizens

Trip cancellation insurance.

Highlights of trip cancellation insurance coverage benefits

Compare travel Insurance with cancel for any reason benefit.

Best trip cancellation insurance with quarantine coverage.

Rental car Insurance for damage, theft, repair of rented cars.

Trip cancellation insurance for trip expenses if the trip is cancelled.

Trip interruption insurance for travel expenses when a trip is Interrupted.

Travel insurance coverage due to lost, damaged, delayed or stolen luggage.

Emergency medical evacuation travel insurance coverage.

Best Trip cancellation insurance for India from USA

Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is done months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements.

Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings. Buying Trip protection insurance for India can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.

Testimonials - From Our Customers

"I am always appreciating good business conduct and when I am coming back here for the longer time span.."

"Thank you for your prompt response. Your prompt response will be highly appreciated.."

"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance co.."

Lori Fields

Travel insurance for us citizens to india, short term travel medical insurance.

• For short term travel vacations ranging from a few weeks to few months (less than a year).
• This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions.

Long term health Insurance

• Ideal for expats working overseas and for US pensioners living outside the US.
• These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits.

US expatriate insurance

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

Travel insurance for US seniors with Medicare coverage

US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Traveling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive. Buying Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.

Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior travel health insurance as affordable overseas travel medical insurance for US senior citizens and US permanent residents 65 years and older.

The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as a GlobeHopper Multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip. The GlobeHopper Senior plan is very popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.

Travel insurance to India from USA - FAQ's

01. which is the best travel medical insurance fo india from usa.

Excellent question and we work hard to find the best answer to this question! Given the unique needs of different US travelers there is no single India travel insurance plan that always works best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition.

We endeavor to give US travelers as much relevant information as possible so they can find the best medical coverage when traveling in India. Our Travel insurance for India from US quote comparison tool helps US travelers compare different German visa travel insurance plans based on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!

02. Do US citizens need travel insurance for India from USA?

The regular US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for India. Healthcare costs can be high in India, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.sed on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!

03. What does international travel insurance to India from USA cover?

The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes

• Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
• Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
• Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
• Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
• Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.

04. How much does India travel insurance from USA cost?

The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance for a US citizen visiting India can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.

05. Are pre-existing medical conditions covered by travel insurance to India from USA?

Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.

06. Is travel insurance mandatory for travel to India from USA?

Travel insurance is not mandatory for US citizens visiting India. However, even if not mandatory, travel insurance for India is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.

07. How do I choose the right holiday insurance for my trip to India?

When choosing travel insurance for your trip to India, consider the following factors

• Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
• Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
• Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
• Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
• Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.

When buying travel health insurance for India, it is important to compare travel insurance policies from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.

Best International travel insurance to India

Medical evacuation travel insurance for travelling to india.

Travel insurance for India who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called “Medevac insurance” .

The Atlas Medevac insurance from World Trips covers emergency medical evacuation for US citizens.

Factors to consider while buying travel insurance for India

The cost of India visa insurance depends on the following:

Age of the traveler

The older the traveler, the more expensive will be the cost of travel insurance.

Medical maximum coverage

The medical coverage options range from $50,000, up to $1,000,000, the higher the coverage, the greater the premium.

The selected deductible

A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan starts paying.

The co-insurance on the plan

'Co-insurance' is the percentage on medical expenses borne by the customer after the deductible is paid.

The Insurance underwriter

There are different underwriters such as AIG, Lloyds, Nationwide, etc. Prices will vary for different underwriter.

The duration of coverage needed

The insurance cost is directly proportional to the length of trip insurance.

Trip vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences

Overseas travel insurance for US residents

Best travel insurance for cruises.

Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.

Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most cruises offers Cruise protection, but that is not the same as trip insurance for cruises.

A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for cruises offer.

Cruise Holiday Insurance

Cruise tourist insurance for pre-existing conditions, steps to buy travel insurance for india online,   1: finding the available international travel health insurance plans.

Complete the travel insurance quote form by providing traveler details and the insurance requirements.

  2: Compare the different travel insurance options

Compare price and the benefits of the different travel insurance options to identify what fits your needs best.

  3: Buy the holiday insurance USA you like best and review documents

Buy the plan that fits your needs and budget by using a credit card and completing the online application.

  4: Review the travel medical insurance plan documents received by email

Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.

Group Travel Insurance

Quite often groups travel overseas together. The groups could be traveling for varied reasons such as employees on training, groups of tourists holidaying, members of a missionary organization, groups of students attending a sporting or academic event. Since the regular domestic health insurance will usually not cover you outside your home country you can buy cheap Group travel health insurance for visiting India. The group travel plans are cheaper when compared to individual travel medical insurance. There is usually a discount of about 10% or more in group travel policies when compared to individual visitor health insurance for the same destination.

Family travel insurance

Vacation travel insurance, honeymoon travel insurance, backpacker travel insurance, embassy of india in united states, india embassy in washington, dc.

2107, Massachusetts Avenue, NW, 20008, Washington, United States

Phone +1-202-9397000

Fax +1-202-2654351

Email [email protected]

India Embassy in Texas

4300 Scotland Street, 77007, Houston, Texas, United States

Phone +1-713-6262148

Fax +1-713-6262450

Email [email protected]

Annual travel insurance

Best Travel insurance USA to India

Travel insurance for india faq.

FAQs about cheap insurance for India travelers.

India Travel medical Insurance Blog

Blog about travel health insurance India travelers.

Travel Insurance to India Forum

Customer Queries for USA travelers to India travelers.

International travel insurance USA from India

Us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Travel insurance resources

You can find different sections of insurance types.

• Travel tips for international travelers
• Global travel destinations

More US Citizen international travel insurance categories

Travel Insurance for US Citizens

Travel insurance for Quarantine coverage

Senior Citizens travel insurance over 65

Long stay Europe visa insurance

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Travel Insurance for Parents Visiting the USA from India

P lanning a visit to the USA for your parents can be an exciting and memorable experience. However, amidst all the preparations, one aspect that often gets overlooked is purchasing travel insurance. It is essential to ensure that your parents are adequately covered during their stay in the USA. In this blog, we will address some common doubts regarding travel insurance for parents visiting the USA from India and help you make an informed decision.

Why do you need travel insurance for your parents visiting the USA?

Travel insurance for parents visiting the USA is crucial for several reasons:

• Medical Emergencies: The United States has high healthcare costs, and unexpected medical emergencies can lead to significant expenses. Travel insurance can cover medical expenses, ensuring your parents receive the necessary care without financial burden.
• Trip Cancellation: In case your parents' trip gets canceled due to unforeseen circumstances, such as a family emergency, travel insurance can provide reimbursement for non-refundable expenses like flights and accommodations.
• Lost Luggage: Travel insurance can compensate for lost or delayed luggage, making sure your parents have the essentials they need during their stay.
• Travel Delays: If your parents experience flight delays or missed connections, travel insurance can cover additional expenses like accommodation and meals.
• Emergency Evacuation: In the rare event of a medical emergency requiring evacuation, travel insurance can assist with the associated costs.

Should I Buy Travel Insurance from India or the US?

While it is possible to purchase travel insurance from India, we recommend opting for coverage from the USA. Here is why:

• PPO Network: Many US-based insurance plans offer access to a Preferred Provider Organization (PPO) network. This means your parents can receive medical care at lower rates from a network of healthcare providers, ensuring cost-effective treatment.
• Local Understanding: US-based insurers often have a better understanding of the American healthcare system, making claims and assistance more efficient.
• Visa Requirement: Some US visas, like the J-1 and J-2 visas, may require insurance coverage that complies with specific regulations. Purchasing insurance from the USA helps ensure compliance with visa requirements.

What is the difference between Indian insurance and US insurance?

The primary differences between Indian and US travel insurance for parents visiting the USA are:

Indian Insurance:

• Limited Network: Indian insurance plans may have a limited network of healthcare providers in the USA, potentially resulting in higher out-of-pocket costs.
• Understanding of US Healthcare: Indian insurers may not fully understand the US healthcare system, leading to potential difficulties when seeking medical care.
• Visa Compliance: Some Indian insurance plans may not meet the specific coverage requirements of certain US visas, potentially jeopardizing visa approval.

USA Insurance:

• Network Coverage: US insurance plans often provide access to a wider PPO network, ensuring better healthcare options.
• Understanding of US Healthcare System: US insurers have a better understanding of the American healthcare system, making it easier to navigate.
• Visa Compliance: Some US visas require insurance coverage that meets specific criteria, which is more easily achieved with US-based insurance.

Which travel insurance is best for Indian parents in the USA?

When selecting travel insurance for your parents visiting the USA, consider plans from Visitor Guard® , a reputable provider who has over 20 years of experience in the visitor insurance sector and has helped tens of thousands of travelers who visited the USA. They are also known for their comprehensive coverage and reasonable rates. Here are some recommendations:

Comprehensive Coverage Plans:

• SAFE TRAVEL USA COMPREHENSIVE: This plan offers comprehensive coverage, including medical expenses, trip cancellation, baggage loss, and more. This plan also includes coverage for one episode of an acute onset of a pre-existing condition making it a popular choice for parents visiting the USA from India. It provides peace of mind for your parents during their stay in the USA.
• PATRIOT AMERICA PLUS: Patriot America Plus is a well-regarded insurance plan with comprehensive coverage. It includes medical benefits, emergency medical evacuation, and more. It is a suitable choice for parents looking for extensive coverage.
• ATLAS AMERICA: Atlas America is another robust comprehensive plan. It covers medical expenses, emergency medical evacuation, and other travel-related contingencies. It is a popular choice among visitors to the USA.

Before making a final decision, it is crucial to compare these plans in detail, considering factors like coverage limits, deductibles, network providers, and any specific requirements your parents may have. Additionally, make sure to read the policy documents thoroughly to understand the terms and conditions.

What does travel insurance for parents visiting the USA include?

• Travel Medical Insurance: This forms the cornerstone of the coverage, given the exorbitant healthcare costs in the United States. It encompasses a wide range of medical expenses, including emergency room visits, physician consultations, prescription medications, surgical procedures, diagnostic tests such as X-rays and laboratory work, , and even physical therapy.
• COVID-19 Coverage: Many travel insurance plans now incorporate coverage for expenses related to COVID-19, spanning testing and treatment. Moreover, some policies may extend to cover quarantine-related costs, a particularly relevant inclusion in the current pandemic landscape.
• Emergency Medical Evacuation: This provision accounts for the expenses associated with transporting your parents to the nearest suitable medical facility should a severe illness or injury occur. Additionally, it may also cover the cost of repatriation to their temporary U.S. residence or their home country post-treatment.
• Coverage for Pre-Existing Conditions: While conventional wisdom might exclude pre-existing conditions, certain policies may offer coverage for acute onsets of such conditions, though it is essential to scrutinize the fine print for specifics. Age-related limitations and condition-specific considerations may apply.
• Trip Interruption: Some travel insurance plans incorporate conventional elements of travel insurance, encompassing interruption coverage. This aspect serves to reimburse a one-way ticket to the home country should your parents need to truncate their trip due to covered reasons.
• Travel Delay: Coverage for travel delays caused by circumstances such as flight cancellations or unforeseen events may also be part of the package. This coverage assists in mitigating the additional expenses incurred during prolonged delays.
• Loss, Theft, or Damage to Personal Belongings: While the primary focus lies on medical coverage, certain policies may extend limited coverage for lost, stolen, or damaged personal belongings, encompassing luggage and valuable items.

In conclusion, travel insurance is a must-have for parents visiting the USA from India. It provides peace of mind, financial security, and access to quality healthcare during their stay. When choosing insurance, consider opting for US-based plans like those from Visitor Guard® to ensure comprehensive coverage and compliance with visa requirements. Your parents' safety and well-being should always be a top priority when planning their visit to the USA.

Disclaimer: This article is a paid publication and does not have journalistic/editorial involvement of Hindustan Times. Hindustan Times does not endorse/subscribe to the content(s) of the article/advertisement and/or view(s) expressed herein. Hindustan Times shall not in any manner, be responsible and/or liable in any manner whatsoever for all that is stated in the article and/or also with regard to the view(s), opinion(s), announcement(s), declaration(s), affirmation(s) etc., stated/featured in the same.

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Can You Buy Travel Insurance for Road Trips?

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

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Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Primary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Secondary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Election latest: 'You are the problem': Sunak attacks David Tennant - as leaders prepare for debate

Rishi Sunak has hit out at Doctor Who actor David Tennant. Meanwhile, a man has been arrested in the Westminster honeytrap scandal - and the row over election betting continues. It comes head of the campaign's last head-to-head between the prime minister and Keir Starmer tonight.

Wednesday 26 June 2024 11:20, UK

• General Election 2024
• It's deadline day to apply for voter ID certificate - find out how
• Man arrested in Westminster honeytrap scandal
• 'You are the problem': Sunak attacks David Tennant
• Lib Dem leader admits betting on 2010 general election
• Why does the same minister keep appearing on Sky News?
• Politics At Jack And Sam's: The final head-to-head
• Faultlines: Riding the night bus - a view politicians don't see
• Live reporting by Ben Bloch

Election essentials

• Manifesto pledges:  Alliance | Conservatives | DUP | Greens | Labour | Lib Dems | Plaid | Reform | SNP | Sinn Fein | Workers
• Trackers:  Who's leading polls? | Is PM keeping promises?
• Campaign Heritage:  Memorable moments from elections gone by
• Follow Sky's politics podcasts:  Electoral Dysfunction | Politics At Jack And Sam's
• Read more:  Who is standing down? | Key seats to watch | What counts as voter ID? | Check if your constituency is changing | Guide to election lingo | How to watch election on Sky News

Sir Ed Davey has admitted placing a bet on the 2010 general election.

Speaking to journalists on the campaign trail, he revealed he'd put money on the number of seats his party would win at that contest - but lost.

The Lib Dems ended up in coalition with the Tories, and Sir Ed was a minister during the subsequent five years.

Sir Ed also said he can't be sure whether any of his party's candidates have placed a bet on this year's poll.

Speaking to broadcasters this morning, he said: "I can't speak for every single Liberal Democrat candidate across the country, of course I can't. 

"I really hope they would have behaved in the proper way."

Sir Ed said he has not personally placed any bets "on this election".

Was the Gambling Commission to make him aware of any problems with his party's candidates, he "would follow the recommendations".

'We can't allow this to happen again'

Sir Ed said he was "shocked" by the scandal engulfing the Tories in particular.

He drew a distinction with his 2010 bet, noting how those involved this time might have benefited from inside knowledge.

"The idea that people who had privileged access in Number 10 and may well have known the date of the general election, placing a bet when they knew the outcome, that is wrong," he said.

The Lib Dems are calling for a review of gambling laws, adding: "We can't allow something like this to ever happen again."

If you don't have any photo ID, today is the deadline to apply for an ID certificate you can use at the general election. 

This is called a Voter Authority Certificate - and you have until 5pm to apply online.

That's also the deadline to apply for someone to vote on your behalf if you can't make it to the ballot box on 4 July - known as a proxy vote.

Tap here if you need to do that.

Remind me... what are these certificates all about?

This is the first time people voting at a UK general election will need to provide photo ID.

There are 22 different types of ID you can use - including passports, driving licences, and other travel passes.

You can find a full list below:

But if you don't have one, get a Voter Authority Certificate.

To apply online here , you must have already registered to vote.

You also need a recent photo and your National Insurance number, or some other way of proving your identity - like a bank statement.

Remember, you have until 5pm. Don't forget!

It has been confirmed that former Dutch PM Mark Rutte will be the next secretary general of NATO after being selected by the alliance members this morning.

He will succeed Jens Stoltenberg on 1 October, who is stepping down after 10 years leading the alliance.

Prime Minister Rishi Sunak has congratulated Mr Rutte, writing on X he's "confident" he would continue Mr Stoltenberg's "outstanding work in keeping NATO strong and united, as we work to strengthen our collective defenec and support Ukraine's fight for freedom".

The defence secretary, Grant Shapps, added his congratulations, saying Mr Rutte is "the right person to lead our alliance".

He also made a political point, saying: "Together we must push towards a new NATO standard of 2.5% by 2030, for all allies’ defence spending."

The Tories have committed to spending 2.5% of GDP on defence, but Labour only will when the economic conditions allow.

As we reported yesterday, four men were arrested on suspicion of aggravated trespass in the grounds of the prime minister's home.

The incident took place at Rishi Sunak's constituency address in Kirby Sigston, North Yorkshire, while he was attending events in London to mark the Japanese state visit.

The arrests were connected to a protest by campaigners from Youth Demand. It describes itself as a group of young people who want "the Tories and the Labour Party to commit to a two-way arms embargo on Israel, and to stop all new oil and gas licences".

A spokesperson for the group said three of those arrested were taking part in the demonstration, while the fourth person was an independent photographer.

North Yorkshire Police said they have been released on conditional bail "to allow for further enquiries".

"The investigation remains ongoing," the force added.

We spoke a short while ago to Labour's Liz Kendall, and we asked about the party suspending one of its candidates, Kevin Craig , after it emerged he is under investigation for betting against himself to win his constituency.

Ms Kendall said he was suspended because "people want politicians to abide by the rules just as they have to, and they want leaders who, when they see a problem, take action".

She said Labour leader Sir Keir Starmer wants "the very highest standards for our candidates and members of parliament".

We put to Ms Kendall that either Mr Craig reckoned he's going to lose, so might as well profit from it - or worse, that he planned to throw the race and profit from doing so.

She replied: "My personal take is I'm in the business of winning, and I'm in the business of change.

"My focus is not on betting on the next election. It is fighting for the next election and the next government."

She went on to say that she does not know why he made the bet, and that their "entire focus is on convincing people that if you want change, you've got to vote for it".

A man has been arrested on suspicion of harassment and committing offences under the Online Safety Act following the Westminster honeytrap scandal.

This is the case where a number of MPs and parliamentary staffers received suspicious messages from unnamed senders.

In a statement, the Met Police said a man was arrested today at an address in Islington, London, and remains in custody.

The man is understood to be in his mid-20s.

The investigation by the Met's Parliamentary Liaison and Investigation Team began on 6 April following reporting, first published by Politico, of unsolicited messages being sent to MPs and people with links to parliament.

Read more here:

By Greg Milam , chief North of England correspondent

There is a rhythm to a night at the Bolton Interchange.

People dart from arriving buses, racing across the concourse to catch departing ones. Sometimes they do, sometimes they don't. Each rush is followed by a brief lull.

Every night, hundreds of lives intersect at the Bolton Interchange. The night-shift workers and commuters, those out on the town and those just a little bit lost.

Each one has their own story, some are happy to chat, most lose themselves in whatever is playing through their headphones.

I spent a week on the night buses. With the election looming, what the politicians are experiencing on their campaign battle buses is not what ordinary people are seeing. Theirs is a very different perspective.

There is an unmistakeable despair about the state of the country, an indifference to what the political process might do about it and a dark humour about the future. There are very few flickers of optimism.

Read Greg's full report below - and watch it on Sky News at 10.30am, 12.30pm, 2.30pm, 4.30pm, 6.30pm, and on The UK Tonight at 8pm.

Rishi Sunak has this morning defended his business secretary, Kemi Badenoch, after actor David Tennant attacked her at an awards ceremony.

The Doctor Who star laid into her position on trans and women's rights while accepting an award for being a celebrity ally at the British LGBT Awards.

He said: "If I'm honest, I'm a little depressed by the fact that acknowledging that everyone has the right to be who they want to be and live their life how they want to live it as long as they're not hurting anyone else should merit any kind of special award or special mention, because it's common sense, isn't it?

"It is human decency. We shouldn't live in a world where that is worth remarking on. However, until we wake up and Kemi Badenoch doesn't exist any more – I don't wish ill of her, I just wish her to shut up – whilst we do live in this world, I am honoured to receive this."

Ms Badenoch defended herself on social media, labelling Mr Tennant a "rich, lefty, white male celebrity", adding: "I will not shut up. I will not be silenced by men who prioritise applause from Stonewall over the safety of women and girls."

The prime minister has now weighed into the row in defence of his business secretary as he attempts to change the narrative from the gambling scandal engulfing his party.

Mr Sunak wrote on X: "Freedom of speech is the most powerful feature of our democracy.

"If you're calling for women to shut up and wishing they didn’t exist, you are the problem."

Sky News' deputy political editor Sam Coates and Politico's Jack Blanchard are in your podcast feeds with their guide to the election day ahead.

This is day 35 of the campaign. Jack and Sam discuss the final head-to-head debate - how have the two leaders fared through the campaign?

Also on the agenda - gamblegate, the story that won't die, and Reform going big on net zero - parliament's next big battle.

👉 Tap here to follow Politics At Jack And Sam's wherever you get your podcasts 👈

Since the start of May, Work and Pensions Secretary Mel Stride has been on the morning media round a whopping nine times.

As much as we at Sky News enjoy hearing from Mr Stride, there are 22 cabinet ministers - and overall, there are 125 people holding a government job.

To that end, we asked where the rest of the cabinet is, and why they aren't out in public hailing the work of the government under Rishi Sunak.

Mr Stride replied: "Well, I think there's probably a good reason why I'm sent, which is that this election is about tax and also how you're going to fund tax cuts, which is predominantly, in our case, through controlling the welfare budget.

"So I'm the secretary of state for work and pensions, and that includes the welfare budget, which funds about two thirds of the tax cuts that we're bringing in, so I'm often speaking about that."

The chancellor is responsible for the budget, and therefore taxation, but he has been speaking in public far less frequently as he fights to keep his seat in parliament.

But Mr Stride noted that he served as the financial secretary to the Treasury for two years and has a "particular interest and expertise" in that area.

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