When travelling from India to the USA, it is essential to have travel insurance for several reasons.
The United States of America offers a captivating blend of landscapes and renowned landmarks that attract a wide array of travellers. If you’re planning a trip to America, it’s essential to ensure a safe and financially protected journey by purchasing travel insurance from India.
Answering the question, “Is travel insurance mandatory for the USA,” you must understand that while travel insurance isn’t mandatory for visiting the USA, it is highly advisable. Considering the exorbitant medical costs and the likelihood of an extended trip, it’s wise to prioritise your security and well-being.
Why do I need travel insurance for the USA from India?
When travelling from India to the USA, it is essential to have travel insurance for several reasons.
One of the primary reasons for obtaining travel insurance is the high cost of healthcare in the USA. Medical expenses in the USA are considerably more expensive compared to India, and there are strict regulations regarding purchasing medications over the counter.
Other essential coverages that travel insurance for the USA may include are injuries due to adventure sports, personal liability, compassionate visits for hospitalised individuals, demise and repatriation, and COVID-related trip cancellation.
There are certain exclusions to be aware of when it comes to travel insurance coverage:
- Health issues or sickness as a result of war or breaching of the law
- If you consume intoxicants or banned substances, the insurer will not entertain any claims
- Such policies do not cover pre-existing diseases or illnesses that existed before and any related treatment expenses
- One does not receive any coverage for expenses related to cosmetic or obesity treatments during the insured travel
- There is no coverage for hospitalisation expenses or medical costs arising from self-inflicted injuries
Benefits of travel insurance for the USA
Travel insurance for the USA offers numerous benefits that significantly enhance your travel experience.
- One of the key advantages is emergency travel assistance. Whether you lose your travel funds, Passport, or any other valuable item, travel insurance can provide support and guidance to help you navigate through such stressful situations.
- Another significant benefit is the hassle-free claim process. With digital insurance platforms, purchasing travel insurance becomes a seamless process, and raising claims is simplified without the need for extensive paperwork or multiple appointments. This saves you time and effort, actively allowing you to focus on enjoying your trip.
- Coverage for flights and baggage is also a crucial aspect of travel insurance. Unforeseen circ*mstances can disrupt your travel plans. However, with the right policy, you can receive compensation and assistance to alleviate the financial and logistical burdens associated with such incidents.
- One of the advantages of USA travel insurance is the ability to customise your plan according to your specific needs. You can tailor your policy based on factors like the number of people travelling, the duration of your journey, and the age of the insured individuals. This flexibility ensures you have the appropriate coverage for your unique travel requirements.
- Lastly, many travel insurance policies offer zero deductibles, meaning you can make claims without paying any amount from your pocket. This financial benefit adds an extra layer of security, ensuring coverage in the event of any covered expenses during your trip.
