Why is travel insurance necessary before going to USA?
Hello friends, I am Amit Singh Panwar and today I am going to tell you about a very important thing - how to buy travel insurance for USA trip. If you are planning to visit America, be it tourism, family visit, or study trip - never ignore one thing, and that is - travel insurance.
Now imagine, you are in a new country thousands of Kilometers away, and suddenly there is a medical emergency - hospitalization, flight cancellation or baggage lost. you must have heard how expensive treatment is in America. In such a situation, travel insurance can prove to be your lifesaver.
Now the Question arises - "How to buy travel insurance? Which one will be right? And what things should be kept in mind?
Let me tell you everything step-by-step in simple language.
Step 1- First understand your need
Before buying travel insurance, make one thing clear - what kind of coverage do you need.
1. Medical Coverage - if you fall ill or meet with an accident.
2. If the trip gets cancelled, - the plan is cancelled suddenly you can get your money back if.
3. Baggage Loss/Delay - Get a claim if your bag is lost
If you are just going for a trip, then a basic plan will be enough. But if you are elderly or taking children along, then it would be better to take comprehensive insurance.
Step 2 - Trusted Travel Insurance Companies
Now comes the most important thing - the choice of the company. Here I am mentioning some trusted companies which are considered good for USA travel.
Indian Companies
1. TATA AIG Travel Insurance
2. HDFC ERGO
3. Bajaj Allianz
4. ICICI Lombard
International Companies (if you want to buy from USA )
1. IMG Global
2. Allianz Travel
3. Seven corners
4. World Nomads
5. AXA Assistance USA
My Suggestion -
If you are travelling from India then Indian companies are more economical, and it is easy to pay in INR.
Step 3 - Compare online and choose the best plan
Now that you have chosen the companies, the next thing is to compare. you can use these website
1. Policybazaar.com
2. InsureMyTrip.com
3. Coverfox.com
4. NRIOL.com
You can choose different plans by visiting these sites.
1. Premium (price)
2. Coverage amount
3. Claim settlement ratio
4. Add on features
everyone can compare. Then see which plan fits your needs and budget.
Step 4 - While purchasing the policy what things to keep in mind
While buying travel insurance, make sure to check some important things.
1. Coverage Amount - Have medical coverage of at least $50,000
2. What is the deductible? - This is the amount you have to pay before making a claim.
3. Cashless Network Hospitals - What is there a cashless treatment facility in the US?
4. Pre-existing Diseases Cover - what are pre-existing illnesses covered?
5. adventure Activities - Is yours are you planning an adventure trip?
6. Customer Support - How is the company's emergency assistance service?
Tip: If you are traveling with family then choose family floater plan. This will ensure insurance for all in one policy.
Step 5 - How to buy online easy process
Buying travel insurance is very easy these days. just follow these steps
1. Go to any of the website mentioned above.
2. Fill in your travel details - like travel dates, destination, age, purpose
3. Compare multiple plans
4. select the plan that suits you
5. Fill your basic details (name, DOB, passport number, etc.)
6. Make online payment (Netbanking, UPI, card)
7. Policy PDF will be sent to your email - print it and keep it.
What documents will be required before USA visit?
These documents may be useful when getting travel insurance or immigration.
1. Travel Insurance Policy Document
2. Passport & Visa copy
3. Flight tickets
4. Medical history (If there is any chronic illness)
5. Emergency contact details
Important FAQs - Direct answer from Amit Singh Panwar
Q.1 Is Travel insurance necessary for USA?
Ans- Yes, it is important - it helps a lot especially if you get stuck in an emergency.
Q.2 Can i buy travel insurance in USA also?
Ans- Yes, but it is cheaper and easier to buy from India.
Q.3 Is insurance required for Visa interview?
Ans- Not in tourist Visa, but in some cases it shows your confidence and planning.
Q.4 How much does travel insurance cost?
Ans- Usually $1 to $3 for a week's trip.
amitdiscovers Final Travel Tips - in my opinion
- Reading insurance policies can be boring, but definitely read it once.
- You can take extra cover like "adventure sports" or "loss of passport" add-on.
- Be sure to save emergency numbers on your phone and in a diary.
- Understand beforehand how to do the claim process.
Conclusion - Travel insurance is not an expense, it is a protection
Friends, I, Amit Singh Panwar, just want to say that taking travel insurance in a country like America is not a luxury - it is an essential plan, just like you book a flight or a hotel.
Through amitdiscovers, I will always keep giving you such authentic, grounded and life-saving tips related to travel.
If you like this post or have any questions - comment below or connect with me on social media
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