When you are travelling to a vast place like the USA, you cannot afford to start your journey without financially securing yourself. In an unknown country, you can be surrounded by a lot of uncertainties and queries.
Therefore, you must consider all the necessary circumstances that can be quite unpredictable for you, for instance, medical emergencies. Medical costs in the USA are very expensive and will surely put a hole in your pocket if you are not prepared.
However, do not worry; we have put together everything you must know before you opt for travel insurance for USA from India. Read along to learn more in detail.
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Wed 18 Dec. 2024
Why Do You Need Travel Medical Insurance for the USA from India?
You must consider travel medical insurance as a part of your preparations for your trip to the USA. To resolve your doubt about why travel medical insurance is necessary, check the points we have highlighted below.
● Medical Emergencies Coverage
You can not miss out on considering health issues when you are travelling. You can meet unpredictable circumstances on your trip, which include illness or any medical emergencies. Needless to say, accessing quality healthcare facilities in the United States can be an expensive matter.
Therefore, to avoid such financial stress during your trip, travel health insurance can work as a shield. It can provide you with financial coverage for medical emergencies, including COVID-19 or any accidents. Hence, it reduces your expenses and, consequently a burden from your shoulders.
● Get OPD Treatment in Case of Medical Issues Faced During Trip
Travelling abroad poses risks even for minor health issues. If you are covered under any travel medical insurance, the insurance provider will cover costs for outpatient procedures, including treatments, tests, and consultations, as outlined in the policy conditions. Rest assured, the policy provider understands the significance of addressing even the smallest medical concerns during your journey and helps you avoid them at any cost.
● Comprehensive Support for Unexpected Situations
You can always count on your travel medical insurance for comprehensive crisis support during a USA visit. The commitment of insurance providers goes beyond conventional coverage, covering two-way tickets for a loved one during hospitalisation. Emergency evacuations for medical and catastrophic events are seamlessly handled. Such a policy also provides financial security for the insured person’s family in case of accidental death during travel and compensates for permanent disabilities resulting from overseas accidents within a year of the incident.
● Dignified Assistance in Times of Loss
Travel medical insurance gives you a commitment to your well-being extending up to the unfortunate event of an insured person’s demise. Under a travel insurance policy, they manage the repatriation of mortal remains, ensuring a respectful return from the location of death to the individual’s home.
Furthermore, such an insurance plan provides cash protection against accidental death as well as compassionate care in the aftermath. Choosing appropriate travel insurance ensures a thorough and sensitive approach to unanticipated events, giving you and your loved ones peace of mind.
How to Choose Travel Insurance for the USA from India?
It is common for travel insurance providers to have different insurance policies to match the preferences of their varied clients. The key to choosing the right policy for you is to select the one that aligns with your concerns perfectly.
Let us have a look at the points that you need to consider to choose the right travel insurance policy.
● Assess Your Requirements
There is no better way to select international travel insurance than to assess your personal needs. According to your own travel preferences, you need to choose among individual, family or group coverage based on the number of your travel companions.
Besides, you must consider how much you can afford. So select a travel medical insurance plan whose cost aligns with your budget. Also, as per the inclusions, exclusions, benefits and other terms & conditions insurance plans come with, you can choose the one that you feel suits the best for your travel itinerary in the United States.
● Compare Multiple Travel Insurance Providers
Comparing various insurance providers will eventually lead you to the perfect one. Hence, when selecting a travel insurance plan, research the insurance provider’s reputation in the market along with their track records.
You must visit the official websites of all the shortlisted providers to check their reviews and claim settlement ratios to assess how reliable they are. Also, you can compare the cost of travel insurance in the USA.
● Seek Advice from Professionals
You can consider consulting individuals with experience in purchasing travel insurance. You can also contact a medical insurance advisor or a travel insurance expert and ask for their valuable insights. They can help you navigate and select the right travel insurance policy according to your travel medical requirements.
How to Purchase Travel Medical Insurance for the USA from India?
After ensuring the reliability of an international travel insurance provider, you can proceed to buy one online. So given below is a step-by-step process on how you can purchase travel insurance for the USA from India:
Step 1: Visit the official website of the travel insurance provider you have selected or download their application.
Step 2: Select a standard plan or customise the plan according to your preferences.
Step 3: Provide the dates for starting and ending your USA trip carefully.
Step 4: Choose the kind of insurance coverage you would like to go for.
Step 5: Provide the required details for you and your travel companies for the trip to the States.
Step 6: Go ahead and pay online to get the coverage instantly.
Please note that the above-mentioned procedure is a general one and may differ based on the applications of different insurance providers. You can also consider contacting them via email or contact number to ensure about their application process.
How to Claim Travel Insurance for the USA from India?
If you come across any medical emergencies during your trip to the USA, having travel insurance with medical issues coverage can help you get rid of such a financial burden. However, you must know the process of claiming the insurance amount well in advance to avoid unnecessary discrepancies later.
Hence, you can claim your insurance amount in the following ways:
- You can send an email to their email ID or contact them on their provided number. Usually, insurance providers respond within a few minutes.
- Your travel insurance provider can provide you with the enlisted hospitals that offer cashless medical treatments.
- Once you share all the documents related to your insurance policy, they can provide you with the coverage.
Please note that the above-mentioned procedure is a general one and may differ based on the applications of different insurance providers. You can consider contacting them via email or contact number to ensure about their application process. In case you do not get cashless treatment, you can get the refund within a few days at the latest.
Final Words
To conclude, travelling to the USA can be one of the most unforgettable experiences of your life when you have everything properly planned, including medical emergencies and other unpredictable circumstances. Therefore, you must consider the points mentioned in the blog to plan your trip accordingly. Hence, buy travel health insurance USA and get ready for an amazing international gateway in the USA.
