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Travel Insurance for USA from India

Ensure a safe trip with USA travel insurance plan.

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International Travel Insurance

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From varied landscapes to iconic landmarks, the United States of America’s (USA) diversity attracts all kinds of travellers. Whether you want to explore some of the most modern cities or enjoy the serene natural beauty of mountains and beaches, this country never disappoints. If you are planning a trip to America, along with your bookings, you must also make preparations for a safe and financially secure trip. And there’s no better way to do that than buying travel insurance for USA from India.

Why do I need travel insurance for my USA trip?
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Here are the reasons why you should consider buying travel insurance for USA from India.

Unexpected situations
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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
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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.

Key features of the USA travel insurance policy
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The following are the key features you can benefit from with a travel insurance policy for USA.


USA travel insurance benefits

Medical emergency cover

It provides coverage for the medical expenses related to hospitalisation as per the terms of your policy.

Accidental cover

It offers coverage in case of accident-related hospitalisation or daycare treatment within the duration of your travel. 

Flight delay/cancellation cover

It covers the monetary losses related to the cancellation or delay of a pre-booked flight as per the policy conditions.

Adventure sports cover

If included, this feature provides coverage in case of hospitalisation as a result of an injury incurred while indulging in an adventure sport.

Trip rescheduling/cancellation cover

This coverage takes care of the monetary expenses associated with the cancellation or rescheduling of a trip due to a reason valid under your policy.

Baggage delay/loss cover

It provides coverage when your checked-in baggage gets lost or delayed.

Loss of passport cover

This feature helps to recover the cost of acquiring a duplicate passport if your original gets lost while travelling in the USA.

COVID-19 quarantine cover

When included, this feature in travel insurance covers the cost of trip cancellation as a result of COVID-19.

Loss of travel fund cover

This feature protects you financially if your travel funds get lost or stolen while travelling.

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

Emergency travel assistance
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Travel insurance on your USA trip can prepare you for any emergency situations like losing travel funds, your passport, or any other item of importance.

Hassle-free claim process
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The digital insurance process helps you not only to buy travel insurance but raise claims without worrying about lengthy paperwork or multiple appointments.

Coverage for flights and baggage
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Stay insured for flight and baggage-related issues while travelling to America. It can include flight delays, flight cancellations, baggage loss, a flight hijack and other situations as per your policy.

Customisable plans
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Depending on your travel plan, you can customise a policy with respect to the number of people travelling, duration of your journey, age of the insured people and other factors.

Worry-free travel experience
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Having insurance against unexpected travel situations allows you to stay calm and relaxed on your journey to the USA.

Zero deductibles
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Depending on your policy terms, you can claim without worrying about paying any amount from your pocket.

What is covered?
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The following are the major coverages usually included in a USA travel insurance policy.

Medical/health expenses
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Health or medical issues arising on your trip can take a lot of money out of your pocket. Which is why you must protect your finances and remain ready for unforeseen medical conditions. Travel insurance is a crucial decision in this regard to obtain coverage related to accidents, illness and other medical emergencies while travelling to America.

Flight cancellations or delays
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You can receive reimbursements for flights that get delayed by a long duration (as per the policy’s terms). Similar benefits are offered if you book a flight, but it gets cancelled.

Baggage loss and delay
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This coverage is for situations when your checked-in baggage gets lost or delayed for a certain period by the airline. The resulting monetary losses are covered in such scenarios depending on the terms mentioned in your policy.

Trip cancellation and rescheduling
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You can cover your trip against cancellation and/or rescheduling with a travel insurance plan for USA visit. As per your policy terms, this coverage will take care of the costs related to trip cancellation/rescheduling due to a valid reason, such as quarantine restrictions under COVID-19, etc.

Injuries due to an adventure sport
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In case you are planning to indulge in adventure sports on your trip to America, you can include this coverage in your policy. It will cover the financial liabilities arising due to injuries that occur in relation to an adventure sport.

Personal liability
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This coverage is for situations related to third-party property damage, injuries or death within the duration of your travel. It will help you take care of any financial obligations surrounding personal liabilities that incur on your trip.

Compassionate visits
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In the unfortunate event of getting hospitalised while on your USA trip, you might want a helpful family member to be by your side. This coverage takes care of the monetary aspect of such compassionate visits. Hence, your family member’s journey from India to America is covered by your travel insurance provider.

Demise and repatriation
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This coverage looks after the expenses arising due to the demise of the insured person while travelling. It can include the cost of cremating and transporting the mortal remains from America to the family back in India.

Losing passport
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Losing your passport in a foreign land can cause legal complications. So, you would need a duplicate passport immediately in such a condition. The money you spend on getting a duplicate passport is reimbursed as per the limits and terms of the policy.

Losing travel funds
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When included, this coverage allows you to obtain emergency travel funds if you lose money due to theft, robbery, etc., while you are in America.

COVID-related trip cancellation
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If you end up cancelling your trip to America for COVID-related reasons, this coverage will cover the monetary loss as per the policy terms. It will include the loss of money on cancelling flights or extending a hotel stay to complete your quarantine period.

House insurance
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You can opt for house insurance cover when buying travel insurance for a USA visit. It provides financial protection against situations (like burglary, fire, etc.) that cause damage or loss of property back home while you are travelling abroad.

Travel exclusions

Legal exclusions

Medical exclusions

Travel exclusions
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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.

Medical exclusions
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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.

Note: Please go through your policy document to thoroughly understand all exclusions and inclusions of your USA travel insurance plan.

Tips to buy the best travel insurance for USA from India online
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Here are a few tips to buy travel insurance online for USA trips.

Decide on a sum insured
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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.

Customise covers for your needs
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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.

Clarify the claim procedure
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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.

Things you should know before beginning your USA trip
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The United States of America is one of the most popular countries 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 USA trip.

Things you can’t miss!
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These are some of the things you shouldn’t miss when you travel to the USA.

US visa for Indians
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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.

The following table will help you understand which visa category is best suited for your application.

Purpose of US visits

Visa category

Tourists, patients, family meetings


Domestic employees, business trip, athletes visiting to compete for a prize


Foreign diplomats and government officials


Military personnel stationed in America


Transit purpose


US aircraft’s cabin crew


Industry-specific professionals


Non-agricultural temporary workers


Journalists and relevant representatives of information media


Vocational students


Exchange visitors


Athletes, artists, and entertainers


Indian Embassy in America
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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


Passport-related services


Miscellaneous services


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


Do I have to buy travel insurance to USA from India?

It is not mandatory to buy travel insurance for USA visits as per the guidelines set by the US Immigrant Department. However, travel insurance for USA visitors creates a financial shield against many unforeseen situations. Hence, you should definitely consider buying travel insurance for USA online or offline at your convenience. 

How much does the USA travel insurance cost?

Travel insurance for the USA costs as per the trip duration, age of the traveller, number of travellers, coverages included, etc. 

Can I buy travel insurance for USA online?

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. 

How to compare USA travel insurance quotes?

You can request travel insurance quotes from multiple insurance providers by visiting their official websites. Then, compare the premium and the coverages for each option to purchase a suitable plan.

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.