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Travel Insurance for USA
Travelling to America can offer a range of unique experiences, from exploring lively cities like New York and Las Vegas to planning outdoor adventures in states like California and Utah.
While visiting America can be rewarding and fulfilling, we simply can't ignore the risks associated with overseas travel. This is where USA travel insurance comes into the picture.
The right holiday insurance for America offers adequate coverage to help you deal with expenses arising from covered events. As a result, travel insurance for your USA trip lets you enjoy your vacation without worrying about any financial challenges.
Read on to learn more about our USA travel insurance, its features, benefits, premium cost, claim process and more!
Although it is not mandatory to have travel insurance for the USA, visitors are strongly encouraged to invest in a suitable travel policy for the range of benefits and financial protection it provides. Below are the main reasons why you should consider buying holiday insurance for America:
Making advance bookings for flights and accommodation and other activities is necessary for a smooth travel experience. However, there can be instances when you might have to cancel/postpone your trip due to an unforeseen circumstance, such as bad health, injury, accident, and so on.
Having a US travel insurance plan helps you recover your prepaid expenses in the event of trip cancellations and interruptions.
USA travel insurance is crucial to pay for your unforeseen medical expenses, which can be exorbitant in countries like the US. Our international travel insurance plans not only cover your unplanned medical expenses but also help you avail of high-quality, cashless treatment.
Theft, baggage loss, personal accidents, third-party liabilities, etc., are some of the most common scenarios that may result in significant expenses and also ruin your travelling experience. By investing in travel insurance, you can recover losses due to a range of covered events.
Everyone knows about the skyrocketing healthcare costs in America. In case of medical emergencies, our America travel insurance plan will help you get quality treatment without worrying about the resulting costs. You can also get cashless hospitalisation at our network facilities in America.
In the event of unforeseen trip cancellation, our travel insurance for USA trip cancellation cover will help you claim your prepaid and non-refundable charges for advance bookings and reservations. This benefit helps you safeguard your finances and re-plan your trip later.
USA travel insurance also protects you from legal expenses incurred from loss/damage to a third person or property due to your negligence. Our plans will help you compensate for your liabilities.
Our international travel insurance plans act like your companion in an unknown country. We offer round-the-clock assistance to ensure you never face difficult circumstances alone.
Having travel insurance for your American trip will help you manage financial emergencies without disturbing your travel experience. It is an effective financial risk management tool necessary for worry-free travel experiences in America or other global destinations.
Our holiday insurance for the USA is designed to offer comprehensive coverage during your overseas journey. Our main features include worldwide cashless hospitalisation and medical evacuation during emergencies.
Under our holiday insurance for America, we also offer coverage for events like trip cancellations and interruptions, baggage loss, passport loss, missed connections, personal accidents, personal liabilities and compassionate visits.
In addition, our America travel insurance plans also offer 24/7 emergency assistance and a smooth claims settlement process to ensure satisfactory resolution of your travel insurance claims.
To get the best travel insurance for America, we recommend comparing our available plan options.
Following are the key features of our international travel insurance for a trip to America:
Covers the return fare of a single accompanying person - spouse/children/family doctor
Our travel medical insurance for the USA covers your unforeseen travel expenses incurred as a result of the following events:
Emergency medical expenses incurred by yourself or your family members will be covered by USA travel health insurance
Accidental death
Accidental bodily injury
Visitors' insurance coverage for the USA will cover third-party liabilities
Total loss of check-in baggage
Theft
Loss of passport
Trips delays and interruption
Trip cancellation
Missed connecting flights
Our holiday insurance for the USA does not cover any damages or expenses incurred as a result of the following scenarios:
Any pre-existing health condition, unless it is life-threatening
Travelling against the advice of your healthcare provider
Planned medical treatment
Loss or theft of passport due to negligence
Partial loss of baggage
War and nuclear attacks
Actions being committed whilst under the influence of alcohol, drugs or any other intoxicating substance
Step 1: Go to our overseas travel insurance page under the "Explore Products" section.
Step 2: Select "Travel Type" and click "Next".
Step 3: Select your travel region, travel dates, country, DoB and other details. Click "Check Quote".
Step 4: Select the best travel insurance for America based on your needs from the given options and check the premium. Click "Buy Now"
Step 5: Enter a few additional details and make the final payment using any preferred mode of payment. You will receive your USA trip insurance shortly.
The biggest perk of buying American travel insurance online is that it is easy, convenient and takes just a couple of minutes. You can purchase your travel insurance plan anytime and anywhere without having to go through the complicated and time-consuming purchase process.
At Reliance General Insurance, we offer a 5% instant discount when you buy USA travel insurance via our website or Self-i mobile application. Buying your policy online also helps you avoid the intermediary charges of third-party insurance agents.
Another advantage of purchasing travel insurance online is that you don't have to undergo any kind of health check-up to buy a suitable policy. If you are below 45 years of age, you can purchase Reliance travel care plans with minimum requirements.
No time-consuming documentation or paperwork is required to purchase your travel insurance for a trip to the USA online from our website. You can buy a desired travel plan by providing minimum details such as your personal information, stay duration, etc.
To start your America insurance claim, inform Reliance General Insurance within 24 hours of the covered event. You can do this by calling our international emergency assistance team or connecting via our Travel Insurance Claims Helpline.
For events that need cashless hospitalisation or any other emergency assistance, connect with our international emergency assistance team. Our professionals will guide you through the complete process.
After returning to India, you can lodge a claim for reimbursement of your covered expenses under your holiday insurance for the USA. To do so, you need to submit all the specified claims documents to our address.
The most common claim supporting documents include your hospital discharge papers, medical bills, police reports, any receipt given by the airline/common carrier, etc., based on the applicability.
Also Check:Travel Claim Forms
We offer travel insurance for America at prices starting from ₹306*. However, your insurance premium price varies based on multiple factors such as the type of plan, select sum insured, number of insured people and any additional coverage you have opted for. Here is a detailed description of the most common USA travel insurance cost factors:
Your travel insurance premiums can increase or decrease based on your chosen coverage. If you need a higher sum insured, expect your premiums to be higher as well.
On the other hand, basic travel insurance plans are cheaper but have limited benefits. So, if you need cheap travel insurance for the USA, look into coverage specifications.
The type of policy is another factor that influences your American travel insurance cost. This is because different travel policies offer different benefits and come at different prices.
For example, individual travel plans are designed to offer dedicated coverage to a single traveller. On the other hand, family travel insurance plans offer coverage and benefits that are shared among multiple family members.
The best travel health insurance for America offers a range of optional covers you can purchase to enhance the coverage of your chosen travel insurance policy. These optional covers are known as riders/add-ons and come at an additional cost.
*Policy premiums are subject to change. Terms and conditions apply.
Travel insurance coverage requirements vary for each individual. If you want to buy the best travel insurance for America, then start by outlining your coverage requirements and potential travel risks.
If you are travelling with someone, consider their coverage requirements as well. This simple step will help you select a travel insurance plan that fits your budget as well as your requirements.
The next important tip is to choose a USA visitor insurance plan based on your specific requirements for efficient coverage. For example, individual and family travel insurance plans are ideal for single and family travellers, respectively.
However, for efficient coverage, it is advisable to have a dedicated plan, such as senior citizen travel insurance or student travel insurance.
When buying holiday insurance for USA, consider comparing multiple plans based on parameters such as sum insured, covered events, claims settlement ratio, premium cost, etc.
This step will ensure you select the best travel insurance for America without exceeding your budget.
Never finalise a purchase for USA travel insurance online before understanding its claims settlement process. Opt for a provider with a fast and straightforward claims process for timely resolution of your travel insurance claim.
Take enough time to read and understand your USA travel insurance policy papers before making the final decision.
This is a critical step because every insurance provider offers financial coverage under different terms and conditions. Understanding these terms will ensure that your potential risks are well covered.
Also Read: International Travel Insurance to USA - Here's what you Need to Look at
Some other types of visas for America include:
Step 1: Select the right category of visa based on your travel purpose and fill out your non-immigrant visa application online via Form DS-160. Fill out this application form very carefully to avoid any chances of visa rejection.
Step 2: Gather all the necessary documents depending on your visa and the purpose of your visit. Make sure to meet the complete visa requirements before submitting your visa application form.
Step 3: Call the given number to schedule an appointment with the Embassy of the US in India online. Before making the booking, make sure that you have your DS-160 confirmation number ready.
Step 4: Visit the embassy for your visa interview on the scheduled date. Answer the questions carefully and pay the America visa fee.
Step 5: Wait for the visa decision. Once it is out, you can visit the Embassy again to collect your passport and other documents.
Also Read - Visa Rejections: Common Reasons and How to Avoid Them
Here is a list of the mandatory documents needed for a US visa application.
Passport with a validity of a minimum of six months beyond your stay in America.
Duly filled Form DS-160. You can fill out the form online and save its confirmation page for future reference.
Visa application fee payment receipt.
Photos based on US visa photo standards.
Other documents based on your purpose of visit.
US tourist visa insurance (optional)
While insurance for a tourist visa in the USA is optional, we still recommend getting one to cover your trip.
After Russia and Canada, the US is the third largest country in the world in terms of area.
With a GDP of over USD 25 trillion, the USA has the most powerful economy in the world.
Hollywood, centred in California, is the most influential and world-famous film industry.
Established in 1872, Yellowstone is the world's first-ever national park.
The Grand Canyon, which is listed among the seven wonders of the world, is located in Arizona, America.
Enjoy pocket-friendly rates by booking your accommodations in advance.
For cheaper accommodations, consider searching for hotels or serviced apartments away from the city centre.
Save on travel costs by using public transportation.
Dine out at local streets and food trucks for budget-friendly yet delicious meals.
To make the most out of your best American travel guide, visit free attractions.
Look for online discounts when shopping.
Use free Wi-Fi to save on the internet and international calling charges.
Passport
Visa
ID proof
Travel Insurance
International driving permit
Hotel reservations
Flight tickets
Other necessary documents based on the purpose of travel.
First-aid kit
Face masks
Medicines and prescription (if any)
Local emergency contacts
USA travel essentials include packing appropriate outfits based on your stay duration and the weather conditions of the American regions you are visiting. Also, keep a pair of comfortable walking shoes and a light weather jacket for outdoor activities.
Create a budget
Make currency arrangements
Enquire about global payment options from your bank.
Stay aware of currency conversion rates.
Mobile phone
Adapters
Laptop and charger
Camera and lenses
Tripod
Earphones
Power bank, etc.
Toothbrush and toothpaste
Soaps and shampoo
Hairbrush
Skincare and Makeup
Shaving kit
Sanitiser
Other useful items.
Create a tour itinerary.
Plan a budget
Make transportation and accommodation bookings.
Install useful travel applications for navigation, cabs and dining.
Arrange a local SIM card or buy an international calling plan.
Also Read: Things to Carry While Travelling to US from India
If you're asking, "Is America safe?" Generally, yes. However, it's imperative that you still take the necessary precautions when travelling overseas.
Avoid travelling against the advice of your healthcare provider.
Purchase adequate health/travel insurance to cover your medical expenses in the US.
911 is America's emergency number. You can use it to contact fire safety, police or an ambulance.
Make sure to carry your international driving licence if you are planning to drive any vehicle.
Adhere to road safety and transportation rules.
Take care of your personal belongings when using public transport like buses and taxis.
Learn about local laws and tourist guidelines and stick to them.
Respect local customs and traditions.
Be respectful towards locals and fellow travellers.
Stay aware of the weather situation.
Avoid visiting potentially dangerous and prohibited areas.
Hire a tour guide if you have no overseas travelling experience.
Be mindful of your surroundings and avoid visiting areas with higher crime rates.
Secure your belongings and avoid carrying precious items such as jewellery.
Consider travelling in groups for safety and security.
Glacier National Park
Great Canyon National Park
Las Vegas
Honolulu
Yellowstone National Park
Yosemite National Park
Lake Tahoe
New York City
San Diego
Jackson Hole
San Francisco
New Orleans
Niagara Falls
Colorado Springs
Gatlinburg
Big Sur
Miami
Orlando
Numerous famous sights in America and national parks should be included in every tour itinerary. Consider visiting parks like Great Canyon National Park, Yosemite National Park, Glacier National Park, etc., to enjoy breathtaking views in the midst of Mother Nature.
Several tourist attractions in the USA feature unique landscapes featuring magnificent mountains, gigantic water parks, shiny beaches and sparkling snow desserts. This offers an excellent opportunity to plan outdoor activities like hiking, trekking, etc., to witness the wonders of nature closely.
American cuisine is diverse. You can try a variety of dishes based on the US region you are visiting. For instance, you can try Texas-style barbecue, New York pizza, grits and fried chicken, and, of course, macaroni and cheese.
Shopping is a must when in the USA. From luxury makeup and designer apparel to high-end electronics, you can get everything for great prices and quality in the USA.
America's tourist attractions aren't limited to national parks. The country also boasts many modern and advanced cities that offer plenty of attractions and activities for visitors. To make the most of your trip, consider visiting cities like New York, Washington, D.C., Las Angeles, Chicago, etc.
Reliance USA travel insurance only covers the pre-existing conditions you declared when you bought your policy.
You need to follow a strategic approach to buying the best travel insurance for America. This includes assessing your coverage needs, setting a premium budget, comparing multiple plans and buying the right one online.
Investing in a single family travel insurance plan is more cost-effective than buying multiple individual travel policies. However, some members, such as your parents, need dedicated coverage; you can consider buying specialised senior citizen travel insurance plans.
Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%. Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.
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