Travel Insurance for USA from India

Travelling to the United States is a dream come true for many people. If you want to ensure that you have the trip you always dreamed of, securing it with travel insurance is a good idea. Travel insurance for USA is one of the most popular insurance products in India. It covers both medical and non-medical benefits and offers cashless claims during emergency medical requirements. Furthermore, these benefits will be valid for the entire trip until you return to India.

Travelling to the United States is a dream come true for many people. If you want to ensure that you have the trip you always dreamed of, securing it with travel insurance is a good idea....
Travelling to the United States is a dream come true for many people....

Travel with complete peace of mind with ACKO


Affordable plans

starting at ₹49/day*


Online claim settlement

within 2 days


Zero deductibles

pay nothing in a claim

UID: 5907|*T&Cs Apply

Why do I need travel insurance for USA trip from India?

Here are some important reasons why having travel insurance USA is a must.

Unexpected situations

Travelling from India to the USA involves a long journey. Travel insurance on this journey can protect your finances in case any unplanned situation occurs. Such unexpected situations can be anything from loss of passport, baggage delay, flight cancellation, medical emergencies, accidents, etc.

Expensive healthcare

Healthcare is significantly more expensive in the USA as compared to India. Moreover, there are strict laws in terms of buying medicines over the counter. Even minor medical issues require one to consult a medical professional. This makes travel insurance a logical investment to protect yourself financially in medical or health emergencies while visiting the USA.

Why ACKO Travel Insurance for USA?

We can assist you in obtaining online travel health insurance USA quickly and easily. 

Here are a few ways we can help you:



Acko is an online-only insurer, so you can buy, claim, and manage your policy all online. 


Hospitalisation associated with COVID-19 is covered

We include COVID-19 hospitalisation in our travel plans in the event that you test positive for COVID-19 while you are travelling.



You get the best insurance options with great coverage at a reasonable price.


No out-of-pocket costs

You will not have to worry about paying anything out of your own pocket. While travelling, Acko will cover all of your medical treatment and emergency assistance costs. 


Over 150 countries worldwide

There are countless options for your next adventure with so many nations to pick from. You simply focus on organising your upcoming dream vacation.

Benefits of ACKO’s USA Travel Insurance Plan

Have a glance at some of the most beneficial ways a USA travel insurance plan can help you on your trip.


Benefits for accidents and illness

Because we are aware that even minor health issues can result in major problems, our travel insurance plan includes financial protection for potential medical emergencies, including COVID-19.


Flight and baggage delay remuneration

Nobody enjoys traveling and experiencing baggage or flight delays. You will receive financial compensation in such uncomfortable circumstances thanks to Acko's travel insurance USA plan.


Accidental and Medical Benefits

We understand that even the smallest health concerns can cause big troubles, which is why our travel insurance plan includes financial coverage for potential medical emergencies, including COVID-19.


Planned Trip Cancellation/Rescheduling

"We" are to pay "Your" rescheduling costs as well as offer insurance in the event that plans are completely abandoned.

What's covered in ACKO’s USA Travel Insurance?

The following are the situations usually covered under travel insurance for USA from India.

The following travel-related circumstances are covered under your ACKO travel insurance USA.

  • Return of minor child to the city of residence in case of the insured person's hospitalisation
  • Family member’s compassionate visit in case of the insured person’s hospitalisation
  • Monetary loss for transportation in case of medical care and death of the insured person during the trip
  • Compensation for flight delay or cancellation
  • Compensation for rescheduling
  • Compensation for misplacement or delay of the checked-in baggage
  • Compensation for total loss/partial loss of checked-in baggage
  • Unrecoverable costs related to the loss of passport
  • Compensation in the event of a paid booking bouncing during travel

Our policy will offer financial coverage in these legal situations.

  • Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation

Your travel health insurance through ACKO will provide coverage for these medical issues.

  • An accidental injury that requires hospitalisation or daycare
  • A medical emergency that requires hospitalisation or daycare
  • OPD medical expenses due to injuries or illnesses
  • Adventure sports-related injuries requiring hospitalisation
  • Permanent total disability/Permanent partial disability caused by an accident during the travel period
  • Accidental death of the insured person during the travel period
  • Coverage for transporting remains in case of death during travel due to injury or illness during the travel period
  • COVID-19 quarantine resulted in flight cancellation

These are the travel-related situations when you won’t be able to benefit from your USA travel insurance.

  • Travelling to the USA without a valid visa
  • Going to the USA for a medical treatment/consultation
  • Travelling to America despite being medically unfit for the journey
  • Going on the journey even after your doctor recommends against it

These are the legal situations when you won’t be able to benefit from your USA travel insurance.

  • Committing suicide or attempting suicide, and self-inflicted injuries
  • Damage, loss or injury directly/indirectly related to the intoxication of alcohol, hallucinogen, etc
  • Damage, loss or injury after intentional/unintentional participation in criminal activity.
  • Damage, loss or injury incurred while indulging in a hazardous activity like mining, tunnelling, etc

These are the medical situations when you won’t be able to benefit from your USA travel insurance.

  • Any pre-existing disease and/or an associated complication based on your policy terms
  • Proof of disability offered by a doctor who has a family relationship with the insured individual
  • Medical complications and treatments associated with pregnancy

How do I purchase travel insurance for USA online?

You can get US travel insurance online from ACKO by following these steps:

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To begin, click here or download our app from Play or App Store

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Choose from our standard plan or customise your plan

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Give us the dates on which your trip will start and end

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Choose the coverage you want

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Fill up the details for you and your travel companions

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You'll get a quote right away. Pay online to get your coverage right away.

How do I claim online travel insurance for USA from Acko?

Claiming your ACKO travel insurance online for USA is super easy. Here are the simple steps to follow: 

For travel medical insurance that offers treatment without cash:

  • Send an email to [email protected] or call 01246174722 to report your location. We will respond in 10 minutes.
  • We'll provide you with a list of local hospitals that offer cashless services.
  • All you have to do is share your policy document, and you are done.

For other covers:

  • You can contact us by giving us a missed call at 01246174722 or sending an email to the address [email protected]
  • Your bill or invoice will be reviewed as soon as possible, and you will get the refund within the next few days at the latest.

Things you should know before beginning your USA trip

The United States of America is one of the most popular countries that people wish to visit at least once in their lifetime. Cities like Las Vegas, New York, Los Angeles, San Francisco, and Washington DC, are popular destinations tourists want to explore. However, the country also has many distinctively unique places like Alaska, North Carolina, Hawaii, etc., for a more out-of-the-box travel experience. Here, we have compiled a list of things to ease your preparations for a trip to the USA.

You should complete all of these when visiting the United States.

  • Visit New York City for a neverending joyride of art, culture, and endless activities to indulge in.
  • Head to Hollywood, Los Angeles, and get starstruck at some of the world’s best film and art festivals, red-carpet events, and more. 
  • Relive your childhood memories by visiting Disney World.
  • Cherish the scenic views of the West Coast on a long drive through the Highway of the Pacific Coast.
  • Plan an adventure trip to the famous Grand Canyon and indulge in activities like mountain biking, hiking, skydiving, hot air balloon rides, river rafting, etc.
  • Submerge yourself in the glamorous nights of Las Vegas with exciting concerts, shows, casinos, and more. 

US visa for Indians

Indians travelling to America as a tourist need a B2 visa for recreational visits and family meetings, etc. You can club this type with a B1 visa and apply by submitting an application form and supporting documents. The following points will give you a basic idea of the procedure.

Choose a Relevant Visa Category

You will need to apply for a US visa by choosing a relevant category.

Valid Passport Requirements

Your passport needs to have a validity of at least 6 months more than the duration of your stay in America.

Passport Pages Availability

There must be at least two pages available on your passport for stamping.

Detailed Travel Itinerary

A document that presents a detailed travel itinerary outlining your planned activities and the duration of your stay in the US.

Proof of Accommodation

Proof that confirms your accommodation arrangements in the US, such as hotel reservations or a letter of invitation from a host.

Financial Proof

You must show that you have enough money to cover your expenses during your visit, such as bank statements or sponsorship letters.

Proof of Departure

You must show proof of your departure from the US.

Cover Letter

A cover letter in which you explain why you want to visit the US, how long you plan to stay, when you plan to leave, and other pertinent information.

Visa Category Selection Guide

Tourists, patients, and family meetingsB2
Domestic employees, business trips, and athletes visiting to compete for a prizeB1
Foreign diplomats and government officialsA
Military personnel stationed in AmericaA2
Transit purposeC
US aircraft’s cabin crewC1/D
Industry-specific professionalsH1-B
Non-agricultural temporary workersH2-B
Journalists and relevant representatives of information mediaI
Vocational studentsM1
Exchange visitorsJ
Athletes, artists, and entertainersP

Indian Embassy in America

While in the USA, Indian citizens can contact the Indian Embassy if required for certain assistance. Here are the emergency contact details of the Indian Embassy in America.


Visa-related services+1-202-939-9852
Passport-related services+1-202-939-9864
Miscellaneous services+1-202-939-9852

Tips to buy the best travel insurance for USA from India online

Here are a few tips to buy travel insurance online for USA trips.

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Decide on a sum insured

The sum insured is the maximum claim amount you can obtain as settlement under an insurance policy. You need to make sure that the sum insured under your policy matches the potential financial loss in the most extreme conditions. This will save you from the lack of funds during a crisis.

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Customise covers for your needs

When purchasing USA travel insurance, you should try to align it with your specific needs as much as possible. This way, you can have adequate and avoid unnecessary covers.

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Clarify the claim procedure

Ask questions to an insurer about the claim process before purchasing a travel policy. The steps to raising a claim and its settlement must be clear to you in order to make an informed decision.

Frequently Asked Questions on USA Travel Insurance

The following are a few of the common questions and answers related to US travel insurance from India.

It is optional to buy travel insurance for USA visits, as per the guidelines set by the US Immigrant Department. However, it's recommended to have one for your own well-being and security.

For one adult travelling from India to the USA for 7 days, a $50,000 travel insurance plan starts at just ₹671 (excluding GST). [As of December 2023, this is how much it will cost]. You can click on this link to see how it is calculated.

Yes, you can buy travel insurance online for your USA visit via one of the many digital insurance providers. But make sure you compare premiums and benefits to choose the right insurance policy for your trip to America. 

You can request travel insurance quotes from multiple insurance providers by visiting their official websites. Then, compare the premiums and coverages for each option to find the best plan for you. 

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.

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Written by Namrata Saha Choudhury

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Reviewed by Lokesh Shetty Author info Icon

I couldn’t master maths, so took up travelling. I will take you to the whole world with my words!