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The USA travel insurance from India cost is higher than most other destinations because the United States has the most expensive healthcare system in the world. Even a single emergency room visit in the US can cost USD 5,000–20,000 without insurance. Here is a quick USA travel insurance from India price overview by plan tier for a 25-year-old traveller:
| Plan | Medical Cover | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|---|
| $50,000 | ₹2,530 (~84/day) |
₹4,220 (~70/day) |
₹6,873 (~76/day) |
₹12,282 (~68/day) |
|
| $100,000 | ₹2,988 (~99/day) |
₹4,583 (~76/day) |
₹7,932 (~88/day) |
₹15,072 (~83/day) |
|
| $250,000 | ₹3,359 (~111/day) |
₹5,102 (~85/day) |
₹9,367 (~104/day) |
₹17,718 (~98/day) |
|
| $500,000 | ₹3,550 (~118/day) |
₹5,654 (~94/day) |
₹9,579 (~106/day) |
₹17,971 (~100/day) |
|
| $750,000 | ₹4,714 (~157/day) |
₹7,092 (~118/day) |
₹12,023 (~133/day) |
₹22,605 (~125/day) |
|
| $1,000,000 | ₹5,590 (~186/day) |
₹8,392 (~139/day) |
₹14,189 (~157/day) |
₹26,642 (~148/day) |
*Prices shown are for a 25-year-old traveller. Actual US travel insurance from India cost varies by age and trip duration. Travellers above 56 years pay higher premiums due to age-linked sub-limits.
The cheapest travel insurance for USA from India is the Silver Plan - the most affordable visitor insurance from India to USA available through TATA AIG. For a 30-day trip at age 25, the Silver Plan costs just ₹2,530 in total - less than a single outpatient visit at a US urgent care clinic. However, given the extreme cost of US healthcare, most advisors recommend the Gold Plan or above for adequate financial protection.
If your company is moving you to the United States on an L1 visa - whether as an executive, manager, or specialist - you are stepping into among the most expensive healthcare systems in the world, often without the employer-sponsored insurance that US citizens take for granted. That gap is where L1 visa insurance comes in.
An L1 visa is issued to employees of multinational companies who are being transferred to a US office or affiliate. It comes in two forms: the L1A for managers and executives, and the L1B for employees with specialized knowledge. The visa can be valid for up to three years initially and is extendable - meaning your time in the US (and your exposure to US medical bills) can stretch well beyond a single year.
While travel insurance is not technically mandatory for L1 visa applicants, the financial risk of going uninsured in the US is enormous. A single emergency room visit can cost anywhere between $1,500 and $30,000. A week-long hospitalization can run into hundreds of thousands of dollars. Travel insurance from a trusted Indian insurer like TATA AIG bridges this gap - paid in Indian Rupees, covering you in US Dollars.
L1 visa holders who arrive in the US before their employer's group health plan kicks in - typically after a 30 to 90-day waiting period - are particularly vulnerable during that initial period. TATA AIG travel insurance can cover this gap seamlessly.
| 30 Days (₹) | 90 Days (₹) | 180 Days (₹) |
|---|---|---|
| 2,096 | 5,600 | 10,200 |
| 2,800 | 7,500 | 13,800 |
| 3,900 | 10,500 | 19,200 |
| 5,500 | 14,800 | 27,000 |
| 7,800 | 21,000 | 38,500 |
Disclaimer: Price shown is for a 90-day trip to USA for an adult aged 25. Higher premiums apply for senior travelers. Use the premium calculator for your specific age and dates.
Note: L1 visa is a non-immigrant work visa. The standard travel insurance exclusion for "immigrant travel beyond 120 days" does not apply to L1 visa holders - you are eligible for full coverage durations available under TATA AIG plans.
You can purchase the plan entirely online at nriol.com. Select your destination (USA & Canada), enter your travel dates, choose a plan variant, and pay using UPI, credit/debit card, NEFT, or RTGS. Your policy document is delivered instantly by email - you can keep a digital copy or print it for travel purposes.
Ideally, the policy should be purchased before departure from India. In some cases, insurers may allow post-departure purchase subject to underwriting approval, waiting periods, and eligibility conditions. Coverage is not guaranteed once travel has already begun.
Yes. TATA AIG allows renewal of the travel insurance policy for a cumulative total of up to 360 days for travelers aged up to 70 years. For travelers above 70, the maximum is 180 days. You can renew online before the policy expires.
If you cancel before the policy period begins and have not traveled outside India, TATA AIG will refund the full premium minus the applicable cancellation fee.
Yes. Family members can be covered under the same travel insurance policy, and each insured person receives an individual sum insured. Premium discounts may be available depending on the insurer and policy structure. This is useful for L1 visa holders relocating with spouse and dependents.
Buy Travel Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
Know more »Travelers already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
Know more »Calculate TATA AIG international travel insurance premium for Indian travelers and senior citizens abroad.
Know more »For Claim or reimbursement, Contact TATA AIG via toll-free helpline.
Know more »Download TATA AIG Travel Insurance brochure online!
Know more »Renew your TATA AIG travel insurance policy online anytime before expiry.
Know more »Discover the best Tata AIG International Travel Insurance plans and benefits for travelers.
Know more »Access TATA AIG international travel insurance policies, trusted by thousands of Indian travelers worldwide.
Transparent pricing for TATA AIG overseas travel insurance, with no hidden costs.
Expert guidance tailored for Indian travelers planning international trips.
Modify travel dates, passport details, or personal information for your TATA AIG travel insurance online.
Extend or renew your TATA AIG international travel insurance while abroad if your trip is delayed.
Get fast claims assistance and emergency support anywhere during your overseas journey with TATA AIG travel insurance.
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.
The following documents are required for extending/renewing the policy:
Discover Popular Travel Destinations with Tata AIG Travel Insurance
Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 2 Decades and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".