Whether you travel often or not is immaterial, but if you are travelling to USA from India, you better have an insurance plan which suits your India to USA trip. Travel insurance is no more a luxury. It has become a necessity for it covers almost all your risks involved in travel, and travel risks as you are aware can’t be ignored.
So go ahead and do the wise thing – get a travel insurance plan for you and your family before you start your trip for USA from India.
Indian travel travel to USA for various reasons for example, you might be a student who is in USA for higher studies or you could be a businessperson making several trips to USA in a year. You might be a parent visiting their children who are settled down in America or maybe you are just a traveller who has planned a holiday in USA. Whatever be your reason to leave the shores of India and enter USA, make sure you are not stressed out about the impending travel by taking a good travel insurance plan.
Travel insurance plans for Indian travellers to USA
There are numerous travel insurance plans in the world for travelers who are visiting USA from India. Lot of insurance companies offers various travel insurance plans for every type of traveler and their family. Here are some of these plans –
Student travel insurance plans
If you are an Indian student studying in USA, you are exposed to a lot of risks which a good student travel insurance can cover for you. For instance, a sudden medical expense that too in a foreign currency can really set you back. If something else goes wrong you need monetary back up for you won’t be able to dig into your student loans or go back to your parent in India asking for money and help. This is why you need to get a student travel insurance plan, so that by just paying a fraction of the amount you get your risks covered.
Benefits of student travel insurance plan
A student who is going to USA from India can have the following benefits from student travel insurance plan –
1) Such plans cover emergency medical expenses including expenses of hospitalization. Some also cover evacuation of the student.
2) Such plans cover loss of your checked in baggage
3) Such plans cover against bill bond and tuition fees
4) Such plan cover loss of your passport
5) Such plans cover your dental emergencies
6) Some of these plans also cover accident to sponsor
7) Such plans cover family visits
Travel Insurance plan for individuals
If your purpose of traveling to USA is only travel then this travel insurance plan for individuals is apt for you. As you may be aware, travelling to USA from India entails a lot of risk – the risk of unknown. Medical expenses including hospitalization in USA can be prohibitively expensive at such high Dollar exchange rate. Good travel insurance plans for individuals cover you for all such risks at a fraction of the amount.
Benefits of travel Insurance plan for individuals
Before you travel to USA from India, we suggest you take the travel insurance plan for individuals because of the following benefits it gives you –
1) This plan covers for emergency medical assistance, medical and hospital during your trip to USA. Do note that this insurance plan doesn’t cover cases of pre-existing medical issues.
2) It covers loss of passport and baggage during your trip to USA
3) This insurance plan covers you against trip cancellation
4) Most of these plans cover you against burglary at your home in India when you are in USA
5) This plan also covers you against dental emergencies
6) Covers you against personal accident in USA
7) Most of the companies offering the travel insurance plan for individuals also cover you for a possible highjack by giving you x number of dollars for every day of being a hostage.
Travel insurance for Family
If you are traveling to USA with your family, you should go for this complete and inclusive plan. Especially since it is out of your country and away from your near and dear ones who can jump in to help. Besides the medical expenses in USA can be prohibitively expensive since the Dollar-Rupee exchange rate isn’t favorable to the Indians. The travel insurance plan for family is specially designed for families who travel together and travel often. This plan covers the entire family (you, spouse-up to age of 60 and 2 children- under the age of 21).
Benefits of travel insurance plan for family
While travelling with family from India to USA it makes sense to insure your travel because any trip abroad can be full of risks and you can do with the following benefits –
1) As a family cover, this plan covers all members of your family for any kinds of medical assistance emergencies
2) It covers loss of passport of any of your family member
3) It covers loss of any checked in baggage during your trip to USA
3) If your trip gets cancelled due to certain reason, that also gets covered. Depending on from where you are getting the insurance, conditions may apply
4) This also covers you against burglary at your home while you are holidaying in USA
5) Dental emergencies for any of your family member gets covered in this
6) Covers all your family members against personal accident in USA
Travel insurance for senior citizens
If you are a senior citizen of India and you are traveling to USA, this is a good travel insurance plan for you.
Benefits of travel insurance plans for senior citizens
Indian senior citizens travelling to USA can avail of these plans because they cover all areas covered by the travel insurance plans for families (as mentioned above). Do note that this plan does not cover medical emergencies for senior citizens above the age of 85 years.
Companies selling travel insurance for USA from India
When it comes to insurance market and services, India has been growing by leaps and bounds. Indians have started understanding the importance of travel insurance and it is no longer a luxury. Almost all leading and well reputed banks of India such as Bajaj Allianz, HDFC Ergo, ICICI Lombard, Tata AIG, Reliance General, Royal Sundaram, Religare, Apollo Munich and many more provide travel insurance. You can get their quote for travel insurance from their websites or just call them up.
Before buying a travel insurance plan for USA from India, make sure you do all the necessary research and comparison.