USA Travel Insurance
A trip to the USA requires a number of formalities and document proofs along with some other mandatory things. It is a must for people travelling to the US to buy an insurance plan as medical services in the country are expensive. Sometimes the cost can be more than the entire trip. Hence, having travel insurance for the USA is a must. Whether it is a business trip or a personal leisure journey, travel Insurance for the USA can be helpful in case of medical emergencies and other mishaps like loss of passport or baggage or a minor accident.
If the person travelling to the USA runs into any problem related to any of the above mentioned, then cost escalation and burden can derail the entire plan of a memorable journey across the states. Travel insurance for the USA can prove to be a safety net in the case of any sudden illness or material loss.
Travel Insurance for the USA from India: In case a person is travelling from India, travel insurance is available for all age groups. One can look at a wide range of plans that are being offered. Travel insurance for USA from India is also mandatory for senior citizens for their safety and wellness. Immigration authorities insist on getting a medical cover before the journey. While this is a must for every traveller, those Indian citizens applying for J1, F1 or H1 visas are required to have travel health insurance for the USA.
However, every trip can be different. Therefore, it is important for travellers to understand the benefits of travel insurance while opting for the right policy or package plan. Here is a list of some of the benefits to be kept in mind while looking for travel insurance for the USA:
Loss of passport or baggage: In the case of a loss of essential things, travel insurance helps. The insurance plan covers the cost partially or wholly for the lost baggage and also helps the person with the affected cost that he/she may incur while applying for a visa and a new passport.
Hedge against sudden illness or injury: Travel insurance can play a vital role in case the person falls sick or meets an accident. His/her travel insurance helps him/her in meeting the medical expenses and hospitalization charges.
Cost of buying Travel Insurance for USA from India
The cost of buying travel insurance for the USA depends on various factors such as the tenure of your trip, person’s age group and his/her current health status. Here are some points to be remembered while buying the best travel insurance for the USA
Pre-existing health issues: If one has any pre-existing health-related problem like diabetes, breathing problem etc. he/she is required to take travel health insurance for USA before his/her journey.
The right age group: There is also an age criterion of opting for travel insurance while travelling to America. Students interested to pursue higher education or professional courses abroad, falling in the age bracket of 16 to 40 years, should have travel insurance. It is a must for senior citizens, up to 85 years of age, travelling to the USA to have travel insurance.
Sum assured: Policies offering higher sum assured are costlier. However, if the person is there for a short trip and is young and in sound health, he/she can choose to take insurance with lesser coverage.
Duration of the trip: Premium of a person’s travel insurance while travelling to America depends upon the number of days he/she is planning for his/her trip.
Additional coverage benefits: One must explore all types of additional coverage and should try to include maximum benefits in his/her plan.
The exclusions: Many of the travel insurance policies have a list of exclusions which are not covered. For example, bad weather conditions, natural calamities, war conditions or terror attacks are often exempted. For complete details, one should check travel insurance online for the USA.
Travel insurance for the country can easily be bought online. And, one may find a cheaper rate. However, comparing different policies before choosing the best travel insurance for the USA can help. One should look for customized plans and factor in the travel plan and requirements. Also, one should seek cover at the best available price.
