Travel Insurance for USA from India
Healthcare costs in USA can be high for international travellers, so Travel Insurance for USA is recommended. Plans start from ₹68/day?, with up to USD 1 million medical coverage, cashless hospitalisation, and optional pre-existing condition cover. Buy online in minutes with no medical tests or paperwork.
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Auckland Skyline & Mountain, USA
Designed for Indians Travelling to USA
- checkCashless Treatment at Eligible Network Hospitals in USA
- check24×7 emergency assistance
- checkBuy Online - Easy & Convenient
- checkEligible Emergency Cover for Certain Pre-Existing Conditions (Terms and conditions apply)
Which Travel Insurance Is Best for USA?
Even a short hospital stay can cost far more than the price of your holiday. Choosing USA travel insurance with cashless hospitalisation helps protect you from unexpected medical expenses abroad.
What Does the Best Travel Insurance from India to the USA Cover?
While travel insurance may not be mandatory for all Indian visitors to the USA, a suitable USA travel insurance policy can help protect you against unexpected medical emergencies, hospitalisation, evacuation, repatriation, and other covered travel expenses.
Comprehensive USA travel insurance can provide financial protection for eligible medical and travel emergencies during your stay, subject to policy limits, terms, conditions, and exclusions.
Note: Indian travellers should check their policy for adequate emergency medical, hospitalisation, evacuation, and repatriation coverage before travelling to the USA.
Emergency Medical Treatment
USA travel insurance can help cover eligible emergency medical treatment, hospitalisation, ambulance services, and other covered medical expenses, subject to policy terms.
Trip Cancellation & Interruption
Depending on the policy, eligible prepaid travel expenses may be covered if your USA trip is cancelled or interrupted for a covered reason.
Baggage Delay or Loss
Eligible benefits may cover essential purchases and covered baggage loss, theft, or delay during your USA trip, subject to policy limits and conditions.
Passport & Document Loss
Depending on the policy, you may receive eligible financial assistance for lost passports and other important travel documents while travelling in the USA.
USA Travel Insurance: Key Facts for Indian Travellers
Planning a trip to the USA? Here's a quick overview of visa requirements, travel insurance, medical coverage, costs, and other important considerations for Indian travellers.
| Travel Information | Details |
|---|---|
| Do Indians Need a Visa for the USA? | Yes, in most cases. Indian passport holders generally need a valid US visa before travelling for tourism, business, study, or other eligible purposes. |
| Is Travel Insurance Mandatory for the USA? | No, in most cases. Travel insurance is generally not mandatory for Indian tourists visiting the USA, but it is strongly recommended to help cover unexpected medical emergencies, trip disruptions, baggage issues, and other eligible expenses. |
| Recommended Medical Cover | USD 100,000 or higher can provide additional financial protection, particularly for senior citizens, families, longer stays, and travellers who may require emergency medical care. |
| USA Travel Insurance Cost | Plans can start from ₹68/day, depending on factors such as your age, trip duration, sum insured, destination, and optional benefits selected. |
| Who Should Buy USA Travel Insurance? | Travel insurance is recommended for Indian tourists, families, senior citizens, students, business travellers, and other visitors travelling to the USA to help manage unexpected medical and travel-related expenses. |
Who Should Buy USA Travel Insurance from India?
Indian Tourists
USA Travel Insurance is ideal for Indian tourists visiting the USA for holidays, family vacations, and sightseeing.
- check_circle Emergency medical coverage
- check_circle Trip delay & baggage protection
- check_circle Personal accident benefits
Senior Citizens
Travel Insurance for USA is recommended for senior citizens who need enhanced medical protection while travelling abroad.
- check_circle Higher medical coverage limits
- check_circle Coverage for eligible pre-existing conditions
- check_circle 24/7 travel assistance support
Travellers with Pre-Existing Conditions
Travel Insurance for USA offers travellers with eligible pre-existing medical conditions (T&C apply).
- check_circle Coverage for eligible pre-existing conditions
- check_circle Emergency medical assistance
- check_circle Flexible coverage options
Students
USA Travel Insurance is suitable for Indian students travelling to USA for higher education and long-term study programmes.
- check_circle Medical & hospitalisation coverage
- check_circle Study interruption benefits
- check_circle Sponsor and tuition fee protection
Travelling to USA With Diabetes, High Blood Pressure or Other Pre-existing Conditions
If you have diabetes, high blood pressure, asthma, or another pre-existing medical condition, you may still be able to buy USA travel insurance. However, having travel insurance does not automatically mean your existing medical condition is covered. Coverage depends on the insurer, plan and policy terms.
For Indian senior travellers: If you are travelling to USA with diabetes, high blood pressure or another pre-existing medical condition, check the pre-existing condition wording, exclusions, sub-limits and eligibility requirements before buying.
Is Travel Insurance Worth It for a Short USA Trip?
Yes. Travel insurance can be valuable even for a short trip to the USA, as unexpected medical emergencies, hospitalisation, baggage loss or delay, trip cancellation, and other travel disruptions can result in significant expenses. A suitable policy can provide financial protection for eligible medical and travel-related emergencies, including medical evacuation or repatriation, subject to the policy terms, coverage limits, and exclusions. The right coverage depends on your trip duration, age, planned activities, sum insured, and policy benefits.
How Much Does Travel Insurance for USA Cost from India in 2026?
USA travel insurance from India starts at ₹68/day? and can cost up to ₹148/day?, depending on the traveller’s age, trip duration, plan, and medical coverage selected.
| Plan | Medical Cover | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|---|
| Silver Plan | $50,000 | ₹2,530 (~84/day) |
₹4,220 (~70/day) |
₹6,873 (~76/day) |
₹12,282 (~68/day) |
| Silver Plus Plan | $100,000 | ₹2,988 (~99/day) |
₹4,583 (~76/day) |
₹7,932 (~88/day) |
₹15,072 (~83/day) |
| Gold Plan | $250,000 | ₹3,359 (~111/day) |
₹5,102 (~85/day) |
₹9,367 (~104/day) |
₹17,718 (~98/day) |
| Platinum Plan | $500,000 | ₹3,550 (~118/day) |
₹5,654 (~94/day) |
₹9,579 (~106/day) |
₹17,971 (~100/day) |
| Titanium Plan | $750,000 | ₹4,714 (~157/day) |
₹7,092 (~118/day) |
₹12,023 (~133/day) |
₹22,605 (~125/day) |
| Titanium Plus Plan | $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 on a 180-day trip. Actual US travel insurance from India cost varies by age and trip duration. Travellers above 56 years pay higher premiums due to sub-limits.
Which Is the Cheapest Travel Insurance for USA?
The Silver Plan is the cheapest Canada travel insurance, starting at ₹68/day for a 25-year-old Indian traveller on a 180-days trip, with USD 50,000 medical coverage.
Which Is the Best Travel Medical Insurance for USA from India?
The Silver Plus Plan is a suitable choice for most Indian travellers, starting at ₹83/day for a 25-year-old on a 180-days trip, with USD $100,000 medical coverage and higher protection. Best for travellers seeking a balance of price and coverage.
Why travel insurance for Indians visiting the USA is important
Why Even a Short Hospital Visit in the USA Can Be Expensive?
The USA has advanced healthcare facilities and modern medical centres, particularly in major destinations such as New York, Los Angeles, Chicago, Houston, and San Francisco. However, medical treatment in the USA can be expensive for international visitors, with emergency consultations, diagnostic tests, medication, hospitalisation, and specialist care potentially resulting in significant out-of-pocket expenses. Without USA travel insurance, an unexpected medical emergency could place a substantial financial burden on the traveller.
USA Travel Insurance from ₹68 per day can help cover eligible emergency medical expenses, hospitalisation, ambulance services, and other covered travel emergencies. Instead of worrying about unexpected healthcare costs, you can travel with greater financial protection and peace of mind.
Travel Insurance for the USA from India
Choose a suitable travel insurance policy based on your trip purpose, duration, age, planned activities, and required coverage. Make sure the policy provides adequate medical and travel protection for your entire stay in the USA.
| Travel purpose | Best for | Key coverage to consider |
|---|---|---|
| Tourist / Leisure | Indian tourists visiting the USA | Emergency medical treatment, hospitalisation, medical evacuation or repatriation, baggage loss or delay, trip delays, and personal accident |
| Business Travel | Indian professionals travelling to the USA for business | Medical emergencies, hospitalisation, repatriation, trip interruption, baggage, and personal liability |
| Student Travel | Indian students travelling to the USA for education | Medical expenses, hospitalisation, personal accident, repatriation, and student-specific benefits where available |
| Family / Long-Stay Visit | Travellers visiting family or staying in the USA for an extended period | Medical expenses, hospitalisation, repatriation, emergency assistance, and pre-existing conditions where specifically covered |
Note: Insurance requirements and available benefits can vary depending on your visa category, trip duration, insurer, and policy. Check the policy terms carefully to ensure it provides adequate medical coverage, geographical validity, and coverage for the entire duration of your trip before purchasing.
How to File a Travel Insurance Claim While in USA?
Follow these steps or check our travel insurance claim process guide for complete details.
If your condition allows, contact the 24/7 emergency assistance number shown on your policy before seeking treatment. Depending on the insurer and policy, cashless treatment may be available at an eligible network hospital.
Keep all original documents, including hospital bills, pharmacy receipts and doctor's notes, as they may be required for reimbursement.
Get a written medical report from the treating doctor describing diagnosis and treatment given.
For lost baggage or a lost passport, Report lost baggage or passport to the airline, police or relevant authority as soon as possible and keep a copy of the report. Follow the reporting deadline specified in your policy.
Submit your claim online or by email as soon as you can, with all documents attached.
Quick USA Travel Guide for Indians
Quick facts to help Indian travellers prepare for their USA trip.
| What to know | Details | |
|---|---|---|
| language | Visa Requirements | Indian passport holders generally need a valid US visa before travelling to the USA, subject to the latest US immigration requirements |
| fact_check | Travel Insurance | Travel insurance is generally recommended for Indian travellers to help cover unexpected medical and travel-related expenses in the USA |
| calendar_month | Best Time to Visit | April to May and September to October are generally popular for comfortable weather, while the best time can vary depending on the destination and activities planned |
| payments | Currency | United States Dollar (USD / $) |
| translate | Language | English is the most widely spoken language in the USA |
| location_city | Popular Places | New York, Los Angeles, San Francisco, Las Vegas, Chicago, Washington D.C., Miami and Orlando |
| flag | Indian Embassy / Consular Assistance | The Embassy of India and designated Indian diplomatic or consular services in the USA can provide assistance to Indian citizens |
Popular USA Destinations and Travel Insurance Coverage
Whether you're visiting New York, Los Angeles, San Francisco, or Chicago, USA travel insurance can help protect you against eligible medical expenses, trip delays, baggage loss, and other covered travel risks throughout your journey.
| Destination | Why Indians Visit | Why Travel Insurance Matters |
|---|---|---|
| New York | Times Square, Statue of Liberty, Central Park, museums, shopping and Broadway shows | Emergency medical treatment, baggage protection, trip delays and travel assistance. |
| Los Angeles | Hollywood, Universal Studios, beaches, entertainment and cultural attractions | Medical emergencies, baggage loss, trip interruption and travel assistance. |
| San Francisco | Golden Gate Bridge, Alcatraz Island, cable cars, waterfront attractions and museums | Emergency medical assistance, baggage protection, trip delays and eligible travel-related expenses. |
| Chicago | Architecture, museums, Millennium Park, shopping and cultural attractions | Medical emergencies, baggage loss, trip delays and travel assistance. |
| Las Vegas | Entertainment, shows, resorts, attractions and nearby natural wonders | Emergency medical treatment, baggage protection and eligible travel-related expenses. |
| Washington D.C. | National monuments, museums, historic landmarks and government institutions | Medical emergencies, baggage loss, trip delays and travel assistance. |
| Miami | Beaches, nightlife, shopping, cultural attractions and cruises | Emergency medical assistance, baggage protection and trip interruption. |
Planning a Multi-Destination USA Trip?
If your itinerary includes New York, Los Angeles, San Francisco, Chicago, Las Vegas, Washington D.C., Miami, or other USA destinations, choose a travel insurance plan that provides adequate medical and travel coverage throughout the USA for the entire duration of your trip. Compare our USA travel insurance plans for comprehensive travel protection.
Indian Embassy and Consulates in the USA - Contact Details for Indian Travellers
If you lose your passport, need consular assistance, or face an emergency during your trip, you can contact an Indian diplomatic mission in the USA. India has an Embassy in Washington, D.C., along with Consulates General in several major US cities. Keep the relevant mission's contact details handy before travelling to the USA.
Embassy of India in Washington, D.C.
Washington, D.C., United States
Consular AssistanceThe Embassy of India in Washington, D.C. provides consular services and assistance to Indian citizens in the USA, including support related to passports and other consular matters.
Other Indian Consular Offices in the USAIndian Consulates General in locations such as New York, San Francisco, Chicago, Houston, Atlanta, and Seattle may provide consular assistance within the scope of the services and jurisdiction assigned to each office.
Emergency AssistanceFor current emergency contact numbers, office hours, consular services, and jurisdiction details, check the official Indian diplomatic mission website before contacting the mission.
Embassy and consulate contact details, emergency numbers, jurisdictions, and office timings may change. Always verify the latest information on the official Indian diplomatic mission website before travelling.
International Airports in the USA
The USA is served by several major international airports, including John F. Kennedy International Airport (JFK), Los Angeles International Airport (LAX), San Francisco International Airport (SFO), and Chicago O'Hare International Airport (ORD). These airports are major gateways for travellers arriving from India and other parts of the world.
| International Airport | Location | Key Information for Indian Travellers |
|---|---|---|
| John F. Kennedy International Airport (JFK) | New York, USA | A major international gateway to New York and one of the busiest airports in the USA, with extensive connections to India, Europe, Asia, and other international destinations. |
| Los Angeles International Airport (LAX) | Los Angeles, USA | A major international airport serving Southern California and an important gateway for travellers visiting Los Angeles and the West Coast. |
| San Francisco International Airport (SFO) | San Francisco, USA | A major international gateway to Northern California, with connections to India, Asia, Europe, and other international destinations. |
| Chicago O'Hare International Airport (ORD) | Chicago, USA | A major international airport serving Chicago and the Midwest, providing convenient connections to domestic and international destinations. |
| Washington Dulles International Airport (IAD) | Washington, D.C., USA | An important international gateway to the Washington, D.C. region, serving travellers visiting the capital and surrounding areas. |
Tip: If your itinerary includes multiple destinations across the USA, check that your travel insurance policy provides valid coverage throughout the USA for the entire duration of your trip.
Travelling as a Family? Individual vs. Family Travel Insurance
Choosing the right type of travel insurance can help manage medical and travel-related risks when visiting the USA with family.
Individual Travel Insurance
Individual travel insurance provides coverage for an individual traveller. It can be suitable for solo travellers, senior citizens, business travellers or anyone looking for coverage based on their own travel requirements.
Explore Individual Travel Insurance Plans →Family Travel Insurance
Family travel insurance can provide coverage for eligible family members travelling together under one plan. It can be a convenient option for families visiting USA, subject to the selected policy terms.
Explore Family Travel Insurance Plans →Studying in USA? USA student travel insurance plans differ from regular tourist travel insurance plans.
Student policies typically add sponsor protection (reimbursing tuition if a sponsor passes away or is permanently disabled), study interruption cover, longer policy durations matching an academic term, and optional maternity or dependent cover. Check your university or the USA consulate’s minimum insurance requirement before choosing a plan.
Explore Student Travel Insurance Plans →Know before you buy
What Is Not Covered Under USA Travel Insurance?
Understanding policy exclusions can help you avoid unexpected claim issues. While exclusions vary by insurer and plan, USA travel insurance policies may generally exclude:
- Pre-existing medical conditions - medical expenses related to pre-existing conditions may not be covered unless specifically included under the policy.
- Travelling for medical treatment - treatment or procedures that are the reason for travelling to the USA are generally not covered unless specifically provided for under the policy.
- Travelling against medical advice - claims may be excluded if you travel against your doctor's advice or while awaiting planned medical treatment, subject to the policy wording.
- Self-inflicted injury or alcohol- and drug-related incidents - claims arising from intentional self-harm or incidents caused by alcohol or drugs may be excluded, subject to the policy terms and applicable exclusions.
- Unattended or negligently handled belongings - baggage or personal belongings left unattended or not reasonably protected may not be covered.
- War, civil unrest or other excluded events - losses arising from war, riots, civil disturbances, or other specifically excluded events may not be covered.
- Excluded adventure or sports activities - injuries arising from certain adventure sports or hazardous activities may not be covered unless the activity is specifically included or an appropriate add-on has been purchased.
Always read the policy wording carefully before buying. Exclusions, conditions, coverage limits, geographical coverage, and claim requirements vary between insurers and plans.
FAQs - USA Travel Insurance
For the USA, consider at least USD 100,000 in medical coverage; higher coverage of USD 250,000 or more may provide greater financial protection, particularly for longer trips, families and senior travellers.
Where Can I Buy Travel Insurance Online for USA?
Indian travellers can compare and buy USA travel insurance online before departing from India. Compare available plans, select the required coverage and complete the purchase online. You can also get travel insurance USA online with coverage options based on your age, trip duration and medical protection requirements.
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