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Indian visitors can buy travel insurance even after arriving in the U.S. through NRIOL, which offers a wide range of visitor insurance plans that cover unexpected medical emergencies, doctor visits, urgent care, or hospital stays. Given the extremely high cost of healthcare in America, having proper medical coverage is not just a precaution but a necessity.
This protection is especially valuable for elderly parents and relatives from India, many of whom may have pre-existing conditions such as diabetes, hypertension, asthma, or heart disease. Without insurance, even a simple hospital consultation or emergency room visit can result in thousands of dollars in medical bills.
Yes, Indians can still buy travel medical insurance even after they arrive in the USA. This is useful for parents or visitors who forgot to buy insurance before leaving India, had to travel in a hurry, or only realized the importance of coverage once they landed. The only drawback is that the choices are fewer compared to buying before travel, and some plans may have a short waiting period or reduced benefits for sickness if purchased late. That’s why it’s always better to get insurance before flying but if you’ve already.
Many Indian visitors to the U.S. end up buying travel medical insurance only after they arrive. Here are some common reasons why:
Indians can buy travel medical insurance even after arriving in the United States, but there are some important things to keep in mind:
Practical Tips for Indian Tourists Availing Travel Insurance in the U.S.:
Definitely. The majority of travel insurance plans aimed at Indian visitors can be cancelled. They typically reimburse for any unused days, provided no claims have been filed. In the event that an Indian visitor departs the United States earlier than anticipated or switches to another plan, they usually would issue a prorated refund based on covered days, although the traveller may be charged a small administrative fee.
Important: Please check the cancellation conditions of your plan prior to purchase.
Note:Popular travel insurance plans for Indian visitors after arriving in the U.S. include INF Elite X, INF Premier X, Atlas America, Safe Travels USA Comprehensive, Patriot America Plus, and INF Standard X. These plans can be purchased even after arrival, giving Indian travelers and parents the flexibility to get coverage if they didn’t arrange it before traveling. Choosing one of these options ensures you’re protected against unexpected medical costs and emergencies during your stay in the U.S.
A Fixed benefit travel medical insurance plan offering full coverage for pre-existing conditions , including worsening chronic issues up to 99 years , for travelers aged 18 to 99. The policy provides flexible coverage durations ranging from 90 to 364 days.
Yes, it can be purchased after arrival in the U.S.
A robust comprehensive plan offering coverage up to $1M, including acute-onset of pre-existing conditions (up to age 89), emergency evacuation, AD&D, trip interruption, and optional riders.
Yes, typically available for purchase after arrival (just note: not available if already residing in the U.S. for over 365 days).
Comprehensive medical travel insurance ideal for non-U.S. citizens visiting the USA. It includes PPO network access (UnitedHealthcare or First Health) and covers acute onset of pre-existing conditions for travelers under age 70, along with a wide range of other medical needs.
Yes, it can be purchased after arrival in the U.S
A fixed-benefit travel medical insurance plan for non-U.S. residents. Designed for travelers aged 18 to 99, it provides basic medical coverage with scheduled benefits and is ideal for short-term visits to the USA. The minimum purchase duration is 30 days, with flexible options up to 364 days.
Yes, INF Standard X can be purchased after arrival in the U.S.
Comprehensive coverage for foreign visitors to the USA, including benefits such as emergency medical treatment, emergency evacuation, and coverage for acute onset of pre-existing conditions for travelers up to 79 years old.
Yes, it can be purchased after arrival in the U.S. as there are no arrival-time restrictions.
it covers full coverage for pre-existing conditions , including worsening chronic issues up to 99 years , for travelers aged 18 to 99. The policy provides flexible coverage durations ranging from 90 to 364 days.
Yes, it can be purchased after arrival in the U.S. there would be a 5 days waiting period for any new sickness and pre-existing conditions.
Yes. Indian visitors can purchase travel insurance even after arriving in the U.S. Popular plans available for post-arrival enrollment include INF Elite X, INF Premier X, INF Elite Plus X, INF Premier Plus X, Safe Travels USA Comprehensive, Atlas America, and Patriot America Plus. These options give flexibility if you didn’t buy coverage before traveling.
Yes. Plans like INF Elite X, INF Premier X offer full pre-existing condition coverage, making them ideal for older visitors or those with ongoing health issues.
Some plans have a minimum purchase requirement, such as 30 or 90 days. Always check the plan details before buying.
Yes, age limits vary depending on the type of coverage. Most plans cover general medical expenses for older visitors, but pre-existing condition coverage has specific age limits:
Tip: Indian parents or seniors should check both the pre-existing coverage age limit and the overall plan age limit before choosing a plan
Yes, most plans cover COVID-19 treatment, but coverage may vary by plan. Always confirm the details before purchasing