Travel Insurance for Indians Visiting USA – Complete Guide

Why Travel Insurance Matters

The USA lacks universal healthcare, with hospital visits costing $1,000-$5,000+ without insurance. For Indian travelers, a sudden illness or accident can drain savings. In 2025, with new visa rules and climate challenges (e.g., hurricanes), travel insurance mitigates risks like trip cancellations or lost baggage.

Popular plans for Indians include those from ICICI Lombard and HDFC Ergo, offering coverage from ₹30,000 to ₹1 crore, depending on the trip duration and coverage needs.

Midpoint: Coverage Details and Options

At this midpoint, let’s dive into coverage. Basic plans cover medical emergencies (up to $50,000), trip cancellation (up to $10,000), and baggage loss ($500-$1,000). Premium plans add evacuation ($100,000+), adventure sports, and pre-existing condition coverage, critical for older travelers.

For a 30-day trip, expect premiums of ₹2,000-₹5,000. Look for plans with 24/7 helplines and U.S.-based networks, as Indian policies may not suffice for American hospitals.

Choosing the Right Plan

Consider trip length, age, and activities. A family visiting Disneyland needs child coverage, while a business traveler might prioritize trip interruption. Check exclusions (e.g., alcohol-related claims) and buy early to cover pre-departure cancellations.

Explore options at Global Insurance Orbit or reach out via contact us for tailored advice.