Travel Insurance for USA from India

Are you planning a trip to the USA? From iconic landmarks like the Statue of Liberty to vibrant cities like New York, your journey should be worry-free. While travel insurance is not mandatory for people visiting the U.S., it is strongly recommended due to the high cost of healthcare and potential travel disruptions. With 1.9 million Indians visiting the U.S. in 2024 alone, being prepared with reliable travel insurance ensures peace of mind.

Are you planning a trip to the USA? From iconic landmarks like the...

Why Do I Need Travel Insurance for USA Trip From India?

Medical care in the United States is among the most expensive in the world. Without insurance, even minor treatments can cost thousands of dollars. Here’s why buying travel health insurance for the USA is a smart move:

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High-Quality Healthcare Access

Covers emergency treatments, hospital stays, and more without depleting your savings.

Trip Protection

Reimburses non-refundable costs for cancellations, interruptions, or delays.

Luggage & Document Safety

Offers compensation for lost baggage or passports.

COVID-19 Coverage

Stay protected if you're diagnosed during your trip.

Stress-free journeys around the world

Stress-Free Travel

Focus on enjoying your experience while we take care of the risks.

Let's See How Travel Insurance USA Helped Anaya During Her Adventure Trip To USA

Anaya really loves going on adventures! She did something she'd always wanted to do on her recent trip to the US: she went rafting. She hurt her leg when her raft flipped over in a rough part of the river. She was taken to the hospital right away, and ACKO paid for all of her medical bills, so she didn't have to worry about the cost of care.

Anaya said, "I was planning my first trip to the US and couldn't wait to go whitewater rafting, which is very popular there. It might be dangerous, but you only live once, right? ACKO made me feel cared for the whole time I was in the hospital. When you have ACKO with you, life keeps going, guys!’’

What's Covered and What's Not Covered in ACKO’s USA Travel Insurance?

The following are the situations usually covered under travel insurance for USA from India.

Travel Coverage

The following travel-related circumstances are covered under your ACKO travel insurance USA.

Return of minor child to the city of residence in case of the insured person's hospitalisation
Family member’s compassionate visit in case of the insured person’s hospitalisation
Monetary loss for transportation in case of medical care and death of the insured person during the trip
Compensation for flight delay or cancellation
Compensation for rescheduling
Compensation for misplacement or delay of the checked-in baggage
Compensation for total loss/partial loss of checked-in baggage
Unrecoverable costs related to the loss of passport
Compensation in the event of a paid booking bouncing during travel

Legal Coverage

Our policy will offer financial coverage in these legal situations.

Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation

Medical Coverage

Your travel health insurance through ACKO will provide coverage for these medical issues.

An accidental injury that requires hospitalisation or daycare
A medical emergency that requires hospitalisation or daycare
OPD medical expenses due to injuries or illnesses
Adventure sports-related injuries requiring hospitalisation
Permanent total disability/Permanent partial disability caused by an accident during the travel period
Accidental death of the insured person during the travel period
Coverage for transporting remains in case of death during travel due to injury or illness during the travel period
COVID-19 quarantine resulted in flight cancellation

Travel Exclusions

These are the travel-related situations when you won’t be able to benefit from your USA travel insurance.

Travelling to the USA without a valid visa
Going to the USA for a medical treatment/consultation
Travelling to America despite being medically unfit for the journey
Going on the journey even after your doctor recommends against it

Legal Exclusions

These are the legal situations when you won’t be able to benefit from your USA travel insurance.

Committing suicide or attempting suicide, and self-inflicted injuries
Damage, loss or injury directly/indirectly related to the intoxication of alcohol, hallucinogen, etc
Damage, loss or injury after intentional/unintentional participation in criminal activity.
Damage, loss or injury incurred while indulging in a hazardous activity like mining, tunnelling, etc

Medical Exclusions

These are the medical situations when you won’t be able to benefit from your USA travel insurance.

Any pre-existing disease and/or an associated complication based on your policy terms
Proof of disability offered by a doctor who has a family relationship with the insured individual
Medical complications and treatments associated with pregnancy

Benefits of ACKO’s USA Travel Insurance Plan

Benefits for Accidents and Illness

Because we are aware that even minor health issues can result in major problems, our travel insurance plan includes financial protection for potential medical emergencies, including COVID-19.

Flight and Baggage Delay Remuneration

Nobody enjoys traveling and experiencing baggage or flight delays. You will receive financial compensation in such uncomfortable circumstances thanks to Acko's travel insurance USA plan.

Accidental and Medical Benefits

We understand that even the smallest health concerns can cause big troubles, which is why our travel insurance plan includes financial coverage for potential medical emergencies, including COVID-19.

How Do I Purchase Travel Insurance for USA Online?

You can get US travel insurance online from ACKO by following these steps:

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To begin, click here or download our app from Play or App Store

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Choose from our standard plan or customise your plan

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Give us the dates on which your trip will start and end

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Choose the coverage you want

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Fill up the details for you and your travel companions

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You'll get a quote right away. Pay online to get your coverage right away.

How Do I Claim Online Travel Insurance for USA From Acko?

Claiming your ACKO travel insurance online for USA is super easy. Here are the simple steps to follow:

For Travel Medical Insurance That Offers Treatment Without Cash:

Send an email to [email protected] or call 01246174722 to report your location. We will respond in 10 minutes.
We'll provide you with a list of local hospitals that offer cashless services.
All you have to do is share your policy document, and you are done.

For Other Covers:

You can contact us by giving us a missed call at 01246174722 or sending an email to the address [email protected].
Your bill or invoice will be reviewed as soon as possible, and you will get the refund within the next few days at the latest.

Things You Should Know Before Buying Travel Insurance for Your USA Trip

Before selecting the best travel insurance for the USA from India, keep these important points in mind:

Match coverage with your needs

If you have a pre-existing condition (e.g., heart-related issues), consider adding a PED (Pre-Existing Disease) add-on for adequate protection.

Estimate your budget

A policy with basic medical cover of $100,000 for a 27-day trip can cost around ₹1,637.

Compare plans across insurers

This helps you find the best coverage at the most competitive price.

Buy early

Purchase travel insurance for the USA right after booking your tickets to get trip cancellation coverage from the beginning.

US Visa for Indians

Indians travelling to America as a tourist need a B2 visa for recreational visits and family meetings, etc. You can club this type with a B1 visa and apply by submitting an application form and supporting documents. The following points will give you a basic idea of the procedure.

You will need to apply for a US visa by choosing a relevant category.
Your passport needs to have a validity of at least 6 months more than the duration of your stay in America.
There must be at least two pages available on your passport for stamping.
A document that presents a detailed travel itinerary outlining your planned activities and the duration of your stay in the US.
You must provide proof that confirms your accommodation arrangements in the US, such as hotel reservations or a letter of invitation from a host.
You must provide evidence, such as bank statements or sponsorship letters, that you have enough money to cover your expenses during your visit.
You must show proof of your departure from the US.
A cover letter in which you explain why you want to visit the US, how long you plan to stay, when you plan to leave, and other pertinent information

USA Visa Category

The following table will help you understand which visa category is best suited for your application.

PURPOSE OF US VISITS	VISA CATEGORY

Tourists, patients, and family meetings	B2
Domestic employees, business trips, and athletes visiting to compete for a prize	B1
Foreign diplomats and government officials	A
Military personnel stationed in America	A2
Transit purpose	C
US aircraft’s cabin crew	C1/D
Industry-specific professionals	H1-B
Non-agricultural temporary workers	H2-B
Journalists and relevant representatives of information media	I
Vocational students	M1
Exchange visitors	J
Athletes, artists, and entertainers	P

PURPOSE	CONTACT

Visa-related services	+1-202-939-9852
Passport-related services	+1-202-939-9864
Miscellaneous services	+1-202-939-9852

Tips to Buy the Best Travel Insurance for USA From India Online

Follow these tips to buy the best travel insurance for USA online:

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Decide on a Sum Insured

Whether you need medical or trip-related coverage, opting for a higher sum insured amount will allow you to get broader coverage. It will come in handy while making claims.

Customise Covers for Your Needs

Insurance requirements are unique. It varies from person to person. Therefore, customising covers based on your personal needs is crucial.

Clarify the Claim Procedure

Having clarity of the claim procedure beforehand saves a lot of time and effort. Contact your insurer if you have any queries regarding claims, and resolve them as soon as possible.

Purchasing ACKO’s travel insurance for the USA gives you more than just coverage; it gives you peace of mind. From medical support to trip-related cover, our plans are designed to support you every step of the way.

For the best protection, buy your policy soon after booking your travel, giving yourself ample time to review policy terms and understand the claims process.

Frequently Asked Questions on USA Travel Insurance

The following are a few of the common questions and answers related to US travel insurance from India.

Is travel insurance mandatory for USA?

While travel insurance isn’t mandatory for visiting the USA, it’s strongly recommended for the peace of mind and protection it offers.

Can I buy travel insurance for USA online?

Yes, you can buy travel insurance online for your USA visit via one of the many digital insurance providers. But make sure you compare premiums and benefits to choose the right insurance policy for your trip to America.

How do I compare USA travel insurance quotes?

You can request travel insurance quotes from multiple insurance providers by visiting their official websites. Then, compare the premiums and coverages for each option to find the best plan for you.

How Many Days Before My Travel Date Should I Purchase USA Travel Insurance?

You can buy it even a day before departure, but it is ideal to purchase travel insurance for the USA early to benefit from trip cancellation cover and get familiar with the policy details.

Will my Travel Insurance for the USA Cover Flight Cancellations?

Yes, ACKO’s USA travel insurance provides coverage for flight cancellations. The coverage extent depends on the type of policy and the reason for its cancellation.

What is the Cost of Travel Insurance from India to the USA for Senior Citizens?

It is difficult to mention the exact cost of travel insurance since it depends on multiple factors, such as age, coverage type and travel duration..

Is Travel Insurance Mandatory for a USA Student Visa?

No, it is not mandatory, but it is strongly recommended. Student travel insurance ensures financial protection against health issues, trip interruptions, and other travel-related risks.

Does ACKO Cover Pre-Existing Diseases?

No, in general, ACKO does not cover pre-existing diseases. To avail the benefits of pre-existing diseases, it is crucial to inform your insurer and get add-ons as necessary.