Why is Travel Insurance for Indian Travellers Visiting the USA Important?
● High Healthcare Costs: Healthcare costs in the USA are much higher than in India. A basic emergency room visit can easily cost ₹2 to ₹4 Lakhs. Without online travel insurance, you have to pay these expenses out of pocket.
● No Public Healthcare for Foreign Visitors: The USA does not have a public healthcare system that provides necessary medical treatment at subsidised rates like India. This means you have to seek treatment at a private facility and pay the full amount yourself.
● Indian Health Coverage Will Not Work: Your Indian health insurance plans will not work in the USA. It means the moment you set foot in the United States of America, you are uninsured unless you have an online travel cover.
Considering this, it is important to get a quote for your upcoming trip to help prepare for unexpected medical expenses and travel disruptions.
Comparison of Medical Coverage and Other Travel Insurance Benefits by Top Insurers
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Parameters
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TATA AIG
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HDFC Ergo
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Care Health
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Medical Expenses Sum Insured
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Up to $1 Million per incident across multiple plan options, ideal for high US hospitalisation costs.
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Capped at $500,000 for standard comprehensive plans.
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Plan options typically up to $500,000.
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Pre-Existing Disease (PED) Cover
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Covered under life-threatening conditions to protect against unexpected, acute emergencies abroad.
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Zero coverage for complications arising from declared or undeclared PED.
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Generally covered only up to a restricted sub-limit.
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Comprehensive Emergency Medical Care
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Coverage for medical expenses, emergency evacuation, accidental death & disablement and repatriation of mortal remains.
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Coverage for medical emergencies, medical evacuation and medical and body repatriation.
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Medical evacuation and repatriation subject to standard plan sub-limits.
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Baggage & Flight Inconvenience Cover
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Baggage Loss
(Up to $500)
Baggage Delay
(Up to $50)
Flight Delay
(Up to $50)
Trip Cancellation
(Up to $250)
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Baggage Loss:
Up to $250
Baggage Delay:
Up to $100
Flight Delay:
Up to $10 per hour, maximum $120
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Baggage Loss: Up to $50
Flight Delay: Up to $150
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Transit & Booking Protection
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Missed Connections (Up to $750)
Bounced Hotel/Airline Bookings
(Up to $5,000)
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Missed Connections: Up to $500
Bounced Hotel/Airline Bookings: Not Covered
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Missed Connection: Up to $300
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What Features to Look for When Choosing Travel Insurance for America?
When you are choosing travel insurance for America, here are features you need to pay attention to:
● Choose a High Sum Insured: Since healthcare costs in the USA are high, choose a plan with a high sum insured. The plan coverage should be sufficient to cover the hospitalisation and other medical expenses.
● Type of Risks Covered: Beyond the sum insured limit, check the types of risks covered under the travel insurance plan. It should offer emergency medical evacuation, trip cancellation, non-refundable hotel bookings and more.
● Check for Cashless Hospitalisation: Before purchasing online travel cover for the USA, check whether the plan offers cashless hospitalisation. Go with a provider that offers cashless claim settlement for medical treatment at any hospital worldwide.
● Verify Screening Requirements: Check if you need to undergo medical screening before buying a travel insurance plan. Many insurance providers offer travel insurance without a medical test requirement.
● Check Customer Assistance: Verify whether the provider you choose offers emergency assistance when you need it most. Choose a provider with a dedicated helpline to address customer queries.
Secure Your USA Trip with TATA AIG Travel Insurance
A trip to the USA can become a hefty financial burden if you don't have travel insurance coverage. With the right coverage, you can manage healthcare and other travel disruptions with ease.
TATA AIG offers a customised travel insurance plan for your USA trip. With this plan, you get cashless hospitalisation, high-value coverage, 24/7 customer support, and other benefits to help ensure a safe journey.
