Many Indian travellers travel to the United States for multiple reasons, such as the business ecosystem, access to markets, global exposure, international partnerships, and more. You should invest in travel insurance for USA from India to protect yourself from unexpected events during the journey, such as trip cancellations, delayed flights, medical emergencies, and more.
Let’s discuss some benefits of travel insurance for USA, eligibility criteria, and how to purchase a travel insurance policy online.
Benefits of Travel Insurance for USA Trip
Planning a trip to the United States? Confused about whether or not to buy travel insurance. Continue reading to get all the answers to your questions.
Listed below are some benefits that travel insurance policy offers you:
- Medical Coverage: The healthcare system in the United States is advanced and expensive. A simple consultation with a doctor can cost thousands of rupees, resulting in a financial burden. Travel insurance covers your medical expenses such as room rent, surgeries, treatments, diagnostic tests, prescription drugs, and other costs, thereby reducing financial burden and providing peace of mind.
- Trip Cancellations: Traveling comes with unexpected challenges, and any disruptions in the plan can lead to financial losses. If you encounter an unexpected family or medical emergency and have to cancel or shorten your trip, you should not be concerned about the financial loss because travel insurance will compensate you for such disruptions.
- Loss of Luggage: Losing luggage is quite common while travelling. If you lose your luggage or an airline authority loses it during the check-in process, the insurer will provide coverage for all the necessary times you purchase while waiting for your lost luggage.
- Flight Delays: Flights could be delayed due to various factors such as strikes, air traffic congestions, and more; however, the most common one is bad weather conditions. If you are unable to reach your destination on time or miss your connecting flight due to a delay, the insurer will reimburse you.
Requirements for Travel Insurance for USA Trip
There are some basic requirements that you need to fulfil to get travel insurance. They are listed below:
- Adults should be between 18 and 70 years of age
- Dependent children can be up to the age of 25.
- Travellers must possess and furnish mandatory documents such as:
- Passport and Visa
- Vaccination Certificate
- Flight Ticket
- Confirmed Booking of the Accommodation
- Information from the Indian Embassy
- Travel Insurance
Tips For Purchasing The Travel Insurance Plan
When selecting the travel insurance plan, you should consider various factors such as coverage limits, exclusions, emergency assistance, and more. These factors will help in making an informed decision.
Some of them are mentioned below:
- Coverage: Different insurance policies offer different coverage limits. You should choose the one that provides coverage for all the potential risks you might face during your trip, such as medical expenses, trip cancellations, delayed flights, loss of luggage, and more.
- Assistance: Ensure that your insurance policy offers 24×7 assistance during your trip, from navigating the nearest medical facility to providing emergency evacuation.
- Coverage for Pre-existing Diseases: Certain insurers offer coverage for pre-existing conditions, while others do not. If you have a prior medical history, ensure that your insurance covers it.
- Reputation of the Insurer: Ensure that the insurance company has a stable financial position in the market before finalising the decision. You can do this by researching the company’s Claim Settlement Ratio (CSR).
- Costs: Consider all the costs associated with the insurance policy, such as deductibles, co-payments, and premiums. Ensure that the insurance policy lies within your budget and does not create a financial burden.
How to Purchase Suitable Travel Insurance for USA Trips Online?
Among the numerous insurance options available, choosing the one that meets your needs can be overwhelming. You can refer to the following steps:
- Assessing your needs is the first and foremost step. Determine what type of insurance plan, coverage limit, and duration you require.
- Visit your insurer’s official website.
- Fill out the insurance application form with accurate travel-related information.
- Get the quotes for your journey.
- If you are satisfied, then make the payment. You will get the insurance policy on your e-mail or by post.
Wrapping Up
Travelling to the USA is an exhilarating experience; however, it involves risks. Travel insurance serves as your travel companion and safeguards you from unforeseen events such as trip cancellations, delayed flights, medical emergencies, etc. you might face. Insurance enables you to focus on your journey and enjoy it to the fullest.
If you are planning to visit the United States and are still confused about which insurance to choose, then Niva Bupa Travel Insurance is highly recommended. Niva Bupa offers extensive coverage, affordable premiums, customisable plans, and 24×7 assistance, making Niva Bupa the “Most Trusted Insurance Provider.” Contact them now to ensure a stress-free journey.
