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*Price calculated for a 35-year-old traveler on a 6-month trip to USA with $50,000 medical coverage.
Traveling to the USA involves long flights, strict visa rules and very high healthcare costs. Indian travelers often face risks like:
Having USA travel insurance ensures peace of mind and helps avoid any huge out of pocket expenses
Tailored plans for every type of traveler – choose what suits your journey.
Many Indians travel to the USA for family visits, school or college graduation, weddings, or simply while vacationing in the US.
Senior citizens from India often travel to the US to visit children, attend family events, or for leisure. Given age-related health risks, senior-specific travel insurance is critical.
The USA is the top destination for Indian students pursuing higher education. Many universities mandate student medical insurance.
Indians with diabetes, heart conditions, or other medical history should choose plans that cover pre-existing illnesses.
The TATA AIG travel insurance for USA from India price ranges between ₹1,350 to ₹5,699 per month for 25 years old traveler, based on type of plan and policy maximum coverage.
| Plan Name | Policy maximum (US $) | Cost for 10 days | Cost for 20 days | Cost for 30 days |
|---|---|---|---|---|
| $50,000 | ₹1,350 | ₹1,656 | ₹2,474 | |
| $1,00,000 | ₹1,689 | ₹2,025 | ₹2,956 | |
| $2,50,000 | ₹1,963 | ₹2,331 | ₹3,347 | |
| $5,00,000 | ₹2,150 | ₹2,689 | ₹3,549 | |
| $7,50,000 | ₹2,707 | ₹3,388 | ₹4,775 | |
| $1,000,000 | ₹3,262 | ₹4,066 | ₹5,699 |
Select your insurance based on the visa category you're applying for.
| Visa Type | Best For | Coverage Highlights |
|---|---|---|
| Tourist Visa (B1/B2) | Vacation, family visits | Medical, trip delays, lost baggage |
| Student Visa (F1, J1, M1) | Education, internships | Hospitalization, tuition cover, sponsor protection |
| Business Visa | Meetings, conferences | Trip interruption, laptop cover, liability |
| Long-Stay / Dependent Visa | Family reunions, spouse visits | Pre-existing conditions, repatriation, extensions |
| Coverage Type | What It Includes |
|---|---|
| 🏥 Emergency Medical Expenses | Hospitalization, surgery, doctor visits, medicines |
| ❤️ Pre-existing Conditions | Some plans cover pre-existing illnesses with terms |
| 🚑 Medical Evacuation & Repatriation | Air ambulance or return to India if needed |
| 💼 Loss of Baggage | Compensation for lost or delayed checked baggage |
| 🛂 Loss of Passport | Cost of replacement in the USA |
| 💔 Trip Cancellation or Interruption | Reimbursement for non-refundable bookings |
| 🛬 Flight Delay or Missed Connection | Coverage for extra accommodation, meals, or rebooking |
| 🦠 COVID-19 Coverage | Hospitalization, quarantine, or cancellation due to COVID |
| 🧍 Personal Accident Cover | Financial support for accidental death or disability |
| Not Covered | Description |
|---|---|
| Undeclared Pre-Existing Conditions | Claims are rejected if medical history isn’t disclosed before buying. |
| 🍷 Alcohol/Drug-Related Incidents | Any claims resulting from intoxication or substance abuse are not covered. |
| 🧗 Adventure Sports | Activities like hiking, skiing, or water sports are only covered if explicitly included as add-ons. |
| 💉 Planned Medical Treatments | Traveling for elective surgery or routine treatments is not covered. |
| 💰 Theft of Unattended Items | Theft of valuables left unattended in public spaces is not eligible for compensation. |
| 💄 Cosmetic or Elective Treatments | Cosmetic procedures, spa visits, or elective wellness treatments are not covered unless medically necessary. |
| ⚔️ War, Terrorism, or Civil Unrest | Losses due to riots, war, or terrorism are generally excluded. |
Quick facts to help you prepare before your journey
Not for tourist visas, but highly recommended due to high medical costs. For student visas, insurance is often mandatory by universities.
At least USD 100,000–500,000 coverage is recommended due to expensive healthcare. Plans via NRIOL let you choose limits.
Yes, you can change or modify your travel dates before your policy starts. This process is very simple on the NRIOL website.
Yes. With NRIOL, you can compare, select, and buy online instantly. Policy is issued via email.
Yes, travel insurance policies can be extended online at NRIOL if your trip is delayed or you need a longer stay. However you need to get approval from the insurance company. Most companies will extend policies assuming that you have not filed any claim with the original travel insurance plan.
Most of Indian travel insurance plans available on NRIOL include Covid-19 coverage and medical evacuation. However, it is recommended to review the policy details and terms and conditions before buying it.
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