The United States of America is all about all things beautiful from blue oceans and beaches, snow-capped peaks and loving cities. This diverse land with beaming light welcomes you with open arms. Its scenic landscapes and enthralling
destinations will leave you speechless. When it comes to exploring the countries listed under The United States of America there’s no such place which will not offer the “WOW” factor. Be it a solo trip
to Florida, a backpacking trip to Alaska, Family trip to Grand Canyon or a friend’s vacation to Las Vegas, USA offers you exhaustive travelling opportunities. Wandering in and around USA is fun, however travelling
without a travel insurance may prove hazardous. Before planning for the perfect trip, look for travel insurance for USA online and choose the best travel plan to insure your trip.
Must Know Before Travelling to USA
Category: Leisure/ Business/Education
Currency: US Dollar
Best time to travel: May to September
Visa type for Indians: Pre approved
Must see Places: Florida, Grand Canyon, Las Vegas, New York & Disney Land.
Travel Insurance for USA: While USA is a tourist-friendly continent, it is important to secure your belongings and travel agenda. Common mishaps such as loss of baggage or flight delays may affect your tour plan drastically; hence getting travel insurance is important for your next U.S.A Tour.
#the above are for information purpose only. Please consult your travel agent or respective embassy before planning your travel
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
Flight delays or cancellations may be beyond our control, but we sure can do a little something to help make them less annoying. Our reimbursement feature allows you to meet any essential expenses arising from the setback.
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and conditions.
Losing important documents can leave you stranded in a foreign land. So, we will reimburse you for expenses related to obtaining a new or duplicate passport and/or international driving license.
Don't worry if you have to cut your trip short due to unforeseen circumstances. We 'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Leave that to us. Let us take care of it while you recover.subject to policy terms and conditions.
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination. Subject to policy terms and conditions.
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India.
If you are going to the USA, it is advisable to opt for a travel insurance plan since the plan would cover the financial liabilities that you might suffer on the trip. Buying the travel plan for the USA trip is quite simple as HDFC ERGO offers various modes of purchase. Such modes are as follows –
● Offline mode
You can visit the nearest branch office of HDFC ERGO and apply for a travel insurance policy for the USA. You would have to fill up a proposal form and submit it to the company with the premium amount. The company would underwrite the policy and issue it post successful underwriting.
● Online mode
The online mode is a simpler alternative to buying a travel insurance plan for the USA. You can buy the policy instantly through HDFC ERGO’s online website. The process is as follows –
● Visit https://www.hdfcergo.com/travel-insurance and click on ‘Buy Now’
● In the online proposal form, fill in the type of trip that you are undertaking (individual travel, family travel or student travel), the members travelling with you, their respective ages and hit ‘Continue’
● Then specify the country as the USA and enter in your departure and arrival dates
● Click on ‘View Quotes’ to check out the coverage options and the premiums that you would have to pay
● Select the suitable plan and pay the premium online
Once the process is completed, the travel insurance policy would be issued instantly and you would be covered during the trip duration.
The premium amount for your travel insurance plan covering the USA depends on a number of factors.
Number of members travelling
● Their age
The premium of a travel insurance plan is directly proportional to age. Premiums are higher for higher ages and vice-versa.
● The sum insured
The premium is directly proportional to the sum insured. Higher sum insured levels would mean higher premiums and vice-versa.
● Trip duration
The longer the trip duration, the higher would be the premium.
As such, once you enter your trip-related details in the online premium calculator, you can find the amount that you would have to pay for buying a travel plan for the USA. For instance, if you and your spouse, aged 36 and 35 years respectively, are travelling for 4 days, the premium would be as follows –
● Silver – Sum insured USD 50,000 – Premium Rs.948 (exclusive of taxes)
● Gold – Sum insured USD 100,000 – Premium Rs.1141 (exclusive of taxes)
● Platinum – Sum insured USD 200,000 – Premium Rs.1339 (exclusive of taxes)
● Titanium – Sum insured USD 500,000 – Premium Rs.1729 (exclusive of taxes).
As such, it is not mandatory to buy a medical travel insurance plan when visiting the USA. That being said, the medical expenses in the USA are quite expensive. A simple hospitalization can amount to lakhs and if you undergo any treatment, the medical bills can be considerable. When you are travelling to the USA, you cannot predict medical emergencies. You might fall ill or injure yourself requiring hospitalization. In such situations,the medical bills can blow a hole in your pockets. Your savings might be drained and you might also have to avail of a loan to pay for the expensive treatments taken in the USA. As such, you might suffer considerable financial losses which, in the absence of a medical travel insurance plan, might be distressing.
Besides coverage for emergency hospitalization, HDFC ERGO’s travel insurance plans for the USA provide a host of coverage benefits. You can get covered for loss or delay of checked-in baggage, hospital daily allowance, medical evacuation, medical repatriation, accidental death or disablement, personal liability, emergency assistance, hijack allowance, etc. So, in the case of unforeseen emergencies, the policy provides financial assistance.
Since the USA is an expensive country, buying a travel insurance policy is recommended. At a small and affordable premium, you can get considerable coverage against trip-related contingencies.
Healthcare in the USA is a mix of both private and Government-sponsored health programs. There are, thus, paid and free clinics and hospitals. However, the free healthcare facility, sponsored by the Government, is offered to the citizens of the country. Tourists or visitors cannot avail themselves of free healthcare facilities. So, when travelling to the USA, if you suffer from any medical emergency and need assistance, you would have to pay for the same.
When it comes to healthcare facilities, the USA has one of the best treatments and medical technology. However, the facilities do not come cheap. The cost of hospitalization and treatments is quite expensive and can easily amount to lakhs in Indian currency. That is why, when you are travelling to the USA, it is advised to opt for a travel insurance policy.
A travel insurance policy covers medical emergencies and pays for your medical bills. Thus, with a travel plan at your disposal, you would not have to search for or worry about free healthcare facilities on the trip. You can avail of the necessary treatments and the travel insurance plan would cover the costs involved.
HDFC ERGO’s travel insurance plan for the USA covers –
● Emergency medical expenses
● Hospital daily cash allowance
● Emergency medical evacuation and repatriation
● Accidental deaths and disablements
● Repatriation of mortal remains
HDFC ERGO’s travel plan is, thus, quite comprehensive and can allow you to avail of the best healthcare facilities without worrying about the costs involved.
Yes, foreigners can buy health insurance in the USA. the country offers a range of health insurance solutions that are available to all.
However, health insurance in the USA is not cheap. It can cost a considerable amount of money. That is why, if you are an Indian citizen and are travelling to the USA as a student or as a visitor, it is recommended that you buy a medical insurance plan in India itself.
HDFC ERGO offers overseas medical insurance plans for Indian citizens travelling to the USA. The policy is a travel insurance policy that covers your trip duration and allows coverage in the case of medical emergencies. If you are hospitalized when travelling to the USA, the policy would pay for the hospital bills. Moreover, coverage for the following is also available under HDFC ERGO travel insurance plans for the USA –
● Medical evacuation and repatriation
● Hospital cash allowance for each day of hospitalization
● Accidental death
● Permanent total disablement suffered in an accident
● Repatriation of mortal remains
You can buy HDFC ERGO’s USA travel insurance plan both for personal or business travel. There are three types of plans available –
● Individual travel plan covering a single individual travelling to the USA
● Family travel plan covering the whole family in a single plan
● Student travel plan covering a student travelling to the USA for higher education
Besides health insurance coverage, you can also enjoy a host of other coverage benefits in HDFC ERGO’s travel insurance plan for the USA. There are different plan variants too so that you can choose the coverage that best meets your requirements.
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