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USA Travel Insurance

Best Travel Insurance for USA from India

The United States remains one of the most popular destinations for Indian travelers. Whether you’re visiting family, exploring iconic cities like New York, experiencing the entertainment capital of Los Angeles, or soaking in the breathtaking landscapes of national parks, the USA offers an unmatched blend of culture, technology, and adventure.

With more than 5 million Indian-Americans living across the country, the USA has a strong and vibrant Indian community—making it a top choice for family visits, vacations, education, and business travel.

Why Indian Tourists Love Visiting the USA

  • The US is home to over 5 million Indian-origin residents, making family visits one of the biggest reasons for travel.
  • The USA offers iconic attractions like the Statue of Liberty, Golden Gate Bridge, Grand Canyon, Las Vegas, and Disney World.
  • Indian travelers enjoy the strong multicultural environment and Indian communities in New York, Chicago, San Francisco, Houston, and Seattle.
  • A wide range of Indian restaurants, temples, grocery stores, and cultural communities make the USA feel welcoming and familiar.
  • The US is a top destination for families, students, working professionals, and tourists seeking world-class experiences.

Whether you’re visiting family, traveling for business, or taking a holiday, having reliable international travel insurance for the USA from India is essential for a safe and stress-free trip.

Why Indian Travelers Need Travel Insurance for the USA

Healthcare in the United States is among the most expensive in the world. A medical emergency without insurance can cost thousands of dollars. This makes purchasing the best travel insurance for USA from India extremely important.

While USA travel insurance is not mandatory for Indian travelers, it is strongly recommended—especially for parents and senior travelers.

  • US hospitals provide excellent medical care but are extremely costly for uninsured visitors.
  • Travel medical insurance for USA from India covers doctor visits, hospitalization, emergency care, urgent care, and medical evacuation.
Best Travel Insurance for USA from India
  • Plans also protect against flight delays, missed connections, lost baggage, and trip interruptions.
  • Comprehensive USA visitors insurance includes coverage for the acute onset of pre-existing conditions and emergency COVID-19 treatment.
  • Visitor health insurance for parents visiting USA is especially recommended for senior travelers (ages 60–85+).
  • Insurance plans working with PPO networks help reduce medical bills and allow direct billing within network hospitals.
  • Fixed benefit and comprehensive plans are available depending on your budget and coverage needs.

At American Visitor Insurance, we help Indian travelers compare and purchase the most affordable travel insurance for USA from India. You can easily compare travel insurance quotes online, review coverage, and choose the ideal US travel medical insurance for your trip. If you need personalized help, call us at 877-340-7910 or email us anytime for expert guidance in choosing the best visitors insurance for USA from India.

What Is Visitor Medical Insurance for the USA?

Visitor medical insurance is a short-term health insurance that provides medical coverage for illness and injury during travel or stay in the USA. It is a mandated type of coverage for foreign nationals who come to the USA temporarily, for any reason, business or personal.

❓ Why You Need Visitor Insurance?

  • Protection against accidental injury or sickness during your stay
  • Financial coverage in case of unexpected medical emergencies
  • Peace of mind while traveling in the USA

✅ Benefits of Visitor Insurance

  • Covers medical treatment for illnesses and injuries
  • Helps with hospital bills, doctor visits, and emergency care
  • Can include coverage for pre-existing conditions depending on the plan

Find the most suitable best visitor medical insurance online by comparing options on American Visitor Insurance, considering both cost and coverage benefits.

Why Is Holiday Insurance Important for Visitors to the USA?

💰 Expensive US Healthcare

  • The United States has perhaps the best healthcare facilities in the world, but it is also perhaps the most expensive globally.
  • The cost of an average daily hospital stay is over $2,500 in the US.
  • Even outpatient doctor visits are prohibitively expensive.
  • It is financially very traumatic when a visitor travelling for a short visit to the US has to pay a huge bill in case of an unforeseen injury or illness.
Therefore it’s important to buy the best US travel health insurance, so that any sudden injury or illness expenses are covered by the visitors medical insurance.
How Travel Insurance Reduces Costs?
  • US travel insurance, along with insuring medical expenses of travelers, will also reduce the medical expenses.
  • US travel insurance providers have Preferred Provider Organization (PPO) networks.
  • PPO networks have working relationships with hospitals.
  • This result in lower healthcare bills for travelers.

👨‍👩‍👧 Protection for the Entire Family

  • US travel medical insurance can be purchased individually or as a family plan.
  • Any illness or injury faced by insured family members during the trip will be covered.

🛡️ A Support System in a New Country

  • If there is a need for medical assistance in the US, a new visitor may find it hard to approach a hospital and a doctor.
  • Having US travel health insurance will act as a support system.
  • Insurance providers have tie-ups with various Preferred Provider Organizations (PPOs).
  • PPOs have networks with many hospitals and doctors in the US.

🏥 Ease of Navigating US Healthcare Facilities

  • Hospitals in the PPO network of US travel insurance bill the insurance company directly.
  • Travelers do not need to worry about paperwork or paying the bill upfront.
  • In case of an emergency, visitors can refer to the list of PPO network hospitals.
  • Travelers can get help from the nearest medical care center within the network.

US travel insurance helps visitors enjoy their trip and explore new destinations without worrying about health-related expenses.

New US Health Requirements While Applying for US Visas

The US State Department has directed consular officers across different embassies to consider a visa applicant’s health condition in determining whether the applicant will become a ‘public charge’ of the United States, and therefore, deemed ineligible for a visa.

Conditions such as diabetes, asthma, high blood pressure, cardiovascular disease, mental health issues, or obesity may be weighed more heavily during the visa assessment process.

To minimize the risk of visa rejection and demonstrate preparedness, travelers should purchase comprehensive travel medical insurance before applying for their US visa. Having valid travel medical insurance coverage shows that the applicant can manage any health expenses without becoming a ‘public charge’ or a financial burden during their stay in the U.S.

At American Visitor Insurance, we offer a range of travel medical plans that cover new illnesses, accidents, and acute onset of pre-existing conditions — ideal for visitors applying for U.S. visas.

How Much Does Travel Insurance to USA From India Cost?

How much is medical insurance for tourists in the US? How much does visitor health insurance cost?

The cost of visitor insurance depends on several factors:

For an average traveler, there are cheap travel insurance plans at less than a dollar a day.

Fixed vs Comprehensive Visitor Insurance Plans

  • The cheapest visitor health insurance USA is a fixed benefit plan because it only covers a set amount for each medical expense.
  • Within these parameters, travelers can choose:
    • An economical fixed plan
    • A more expensive but complete comprehensive plan
  • Downside of fixed plans: You only know what the insurance company will pay on your behalf; the amount you owe depends on the charges for each service.
  • The price of the best visitors insurance for USA is approximate and can change based on specific needs and circumstances.
  • It is a good idea to compare different plans and get quotes from multiple providers to find the best visitors insurance coverage for your budget.
Example costs:
  • Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to USA from Europe.
  • That same person would only pay $30 for a comprehensive plan to go to Europe.
  • Prices usually double for someone in their 60s, and increase further for older travelers.

How Much Does the Most Affordable Visitors Insurance for USA Cost?

The most affordable visitor health insurance USA starts from $20 per month with options up to $191 per month. The average cost of fixed benefit visitor travel insurance for the USA is calculated based on one-month quotes.

Plan Name Plan max range Deductible Age 40 Age 60 Age 70
Safe Travels Advantage $25,000 - $150,000 $0 $20 - $58 $39 - $102 $60 - $166
Visitors Care $25,000 - $100,000 $100 $25 - $47 $40 - $75 $66 - $152
Safe Travels Elite $25,000 - $175,000 $0 $26 - $76 $50 - $134 $109 - $155
Venbrook Essential $25,000 - $150,000 $0 $26 - $81 $49 - $124 $68 - $147
Visit USA Budget $50,000 - $150,000 $250 $32 - $56 $49 - $86 $84
VisitorSecure $50,000 - $130,000 $100 $34 - $62 $55 - $76 $96 - $139
Travel Medical USA Visitor Basic $50,000 - $150,000 $100 $42 - $52 $79 - $94 $173 - $191

How Much Does the Comprehensive and Best Visitors Insurance Cost Per Month?

The best travel insurance cost for USA ranges from $58 to $353 per month. The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.

How Much Does 6-Month Medical Insurance for Visitors to USA Cost?

For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.

From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!

Importance of Having Visitor Health Insurance in the USA

  • Given the high US healthcare costs, being uninsured is very risky.
  • In US hospitals, costs are much cheaper if:
    • You have short-term medical insurance for international travel
    • The hospital is part of the travel insurance USA PPO network
  • Beyond travel insurance coverage, simply having the best health insurance for travelers to the USA helps reduce your overall medical bill.
  • Therefore, it is crucial to buy travel health insurance USA or health insurance for visitors in USA before your trip.
Medical costs in the USA

A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it.

Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.

❓ How Much Travel Insurance Do Parents Need for Visiting USA?

When parents travel to the United States, medical costs can be very expensive. Choosing the right travel insurance for parents visiting USA ensures financial protection against emergencies, hospital stays, and unexpected healthcare needs. Explore best coverage options, recommended limits, and tips to safeguard their trip.

👉 Read more about how much travel insurance parents need for visiting USA? »

Which Is the Cheapest USA Travel Insurance From India?

The cheapest US travel insurance from India is Safe Travels Advantage. The other affordable travel insurance for the US from India are Safe Travels Elite from Trawick International and Visitors Care from IMG. These plans offer basic coverage at lower cost for visitors from India to USA.

Coverage for unexpected illnesses and injuries during short-term stays.
Policy Maximum?
$25,000 - $150,000
Deductible?
$0
Coverage?
5 - 364 days
Acute Onset?
Up to the policy maximum for ages ≤ 89
Starting at
$20/month*
Buy Online »
Provides essential coverage for emergency needs during short-term stays.
Policy Maximum?
$25,000 - $150,000
Deductible?
$0
Coverage?
5 - 364 days
Acute Onset?
Up to 79 years
Starting at
$25/month*
Buy Online »
Suitable for short-term travelers, including parents visiting the U.S.
Policy Maximum?
$25,000 - $100,000
Deductible?
$0 - $100
Coverage?
5 days - 2 years
Acute Onset?
Up to policy maximum
Starting at
$27/month*
Buy Online »

* The price shown is for a 30-day trip with a $25,000 maximum coverage and a $0 deductible for a 40-year-old traveler.

Other affordable travel insurance for USA options with comprehensive coverage are:

  • Safe Travels USA: A more budget-friendly comprehensive plan for non US citizens with coverage for unexpected recurrence of pre-existing conditions up to $1,000 of covered expenses for ages up to 70 years.
  • Patriot America Lite: A short-term medical insurance plan popular among visitors to the USA with coverage for emergency treatment, urgent care clinic and medical evacuation.
  • Venbrook Basic: An affordable comprehensive medical insurance offers coverage for hospitalization, urgent care, prescriptions, emergency room visits and accidental death & dismemberment.

Should I Buy Travel Insurance From India or the US?

Travel insurance from the USA is the best option for Indian travelers visiting the US due to these key advantages:
  • US-based insurers are highly regulated, offering reliable protection for travelers.
  • US plans integrate seamlessly with local healthcare providers, reducing out-of-pocket costs and allowing for direct billing.
  • US doctors and hospitals are more likely to accept insurance from US-based companies, ensuring better access to care.
  • 24/7 emergency assistance aligned with US time zones.
  • US insurance plans provide comprehensive coverage, including for the acute onset of pre-existing conditions, ideal for visitors.
  • Allows for easy renewals and extensions, ensuring continuous coverage for longer stays.

Buying travel insurance from India might have limited coverage, lack of regulations, and difficulties in navigating medical care and filing claims in the USA.

What Is the Best Travel Health Insurance for Foreigners in USA?

  • What Are the Best Travel Insurance for Visitors to USA?

    The top recommended comprehensive travel insurance plans for visitors to USA are:

    Patriot America Plus IMG

    • Patriot America Plus is a comprehensive short-term travel insurance for individuals and families visiting the USA, a great option, especially for those under 70.
    • Direct Billing: First healthcare First health care Provider Network or United HealthCare United Healthcare Provider Network
    • Urgent Care : $30 per incident; no copayment if deductible is $0
    • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
    • Emergency medical evacuation: Up to $1,000,000
    • Patriot America Plus cost for 40 year old traveler ranges from $52 to $169 for a month.
    reviews/inf-elite-x-insurance-reviews.asp
    • Policy maximum?
      $50,000, $100,000, $250,000, $500,000, $1,000,000

    • Deductible options?
      $0 to $2,500

    • Period of coverage?
      5 days to 12 months

    Atlas America Insurance WorldTrips

    • Top-rated comprehensive travel insurance plan, best for individuals up to age 79 who are non-U.S. citizens visiting the USA.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Urgent Care: 15 per incident; no copayment if deductible is $0.
    • Maternity: Covers complications of pregnancy in the first 26 weeks
    • Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 80 years
    • Emergency medical evacuation: Up to $1,000,000
    • Atlas America Insurance cost for 40 year old traveler ranges from $46 to $216 for a month.
    • Policy maximum?
      $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

    • Deductible options?
      $0 to $5,000

    • Period of coverage?
      Up to 364 days

    Safe Travels USA Comprehensive Trawick International

    • Safe Travel USA Comprehensive is an affordable travel insurance for seniors with pre-existing conditions who are non US residents/citizens visiting USA.
    • Direct Billing: First HealthCare First health care Provider Network
    • Urgent Care: $30 per incident; no copayment if deductible is $0
    • Maternity: Emergency medical treatment for pregnancy, up to $1,000
    • Acute onset of pre-existing conditions: Up to 89 years
    • Safe Travels USA Comprehensive cost for 40 year old traveler ranges from $55 to $204 for a month.
    • Policy maximum?
      $50,000, $100,000, $250,000, $500,000, $1,000,000

    • Deductible options?
      $0 to $5,000

    • Period of coverage?
      5 days to 364 days

    Visitors Protect IMG

    • Visitors Protect is a top comprehensive travel insurance plan with pre-existing conditions for travelers to the U.S., Canada, and Mexico.
    • Direct Billing: First healthcare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
    • Urgent Care: 15 per incident; no copayment if deductible is $0
    • Pre-existing conditions: Up to 99 years
    • Minimum purchase is 90 days
    • Visitors Protect Insurance cost for 40 year old traveler ranges from $300 to $750 for 3 months.
    • Policy maximum?
      $50,000, $100,000 and $250,000

    • Deductible options?
      $250 to $5,000

    • Period of coverage?
      Minimum purchase 90 days

    Venbrook Premier Venbrook International

    • Venbrook Premier is ideal for non-U.S. residents visiting the United States who are seeking comprehensive travel medical insurance with higher coverage limits.
    • Urgent Care : $30 copay if the $0 deductible is chosen
    • Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 70 years
    • Emergency medical evacuation: Up to $1,000,000
    • Venbrook Premier Insurance cost for 40 year old traveler ranges from $40 to $140 for a month.
    • Policy maximum?
      $50,000, $100,000, $250,000, $500,000, $1,000,000

    • Deductible options?
      $0 to $5,000

    • Period of coverage?
      5 days to 12 months

    Diplomat America Global Underwriters

    • Diplomat America is a comprehensive travel medical insurance plan for non-U.S. residents traveling to the USA.
    • Direct Billing No PPO, visit any doctor or hospital
    • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
    • Emergency medical evacuation: Up to $250,000
    • Diplomat America insurance cost for 40 year old traveler ranges from $73 to $270 for a month
    • Policy maximum?
      $50,000, $100,000, $250,000, $500,000, $1,000,000

    • Deductible options?
      $0, $100, $250, $500, $1,000 $2,500

    • Period of coverage?
      15 days to 12 months

    Visit USA Standard Travel Insurance Services

    • Visit USA-HealthCare Standard is a comprehensive short-term visitor medical insurance for USA visitors
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network or First HealthCare First health care Provider Network
    • Acute onset of pre-existing condition: Covers up to $25,000, with a limit of $2,500 for those aged 65 and above
    • Emergency medical evacuation: Covers up to $250,000.
    • Visit USA Standard Insurance cost for 40 year old travelers ranges from $69 to $153 for a month.
    • Policy maximum?
      $75,000, $200,000

    • Deductible options?
      $0

    • Period of coverage?
      5 days to 364 days

  • Best Travel Health Insurance for USA With Pre-Existing Conditions Coverage

    Most of the visitor insurance plans do not offer coverage for pre-existing medical conditions. However, some top rated insurance plans offer travel insurance covering acute onset of pre-existing conditions, which refers to sudden and unexpected flare-ups. If you are a traveler with a pre existing condition, you can compare visitor insurance with pre-existing coverage offering wide range of deductibles and policy maximum and buy the best medical insurance for pre existing conditions in USA.

    Patriot America Plus IMG

    international-travel-insurance/health-insurance-for-visitors-to-usa-with-pre-existing-conditions.asp"
    • Acute onset of pre-existing condition: Covered up to the selected policy maximum for individuals aged 70 and under.
    • Emergency medical evacuation: Covers $25,000 maximum limit
    • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
    • Patriot America Plus cost for 65 year old traveler ranges from $121 to $463 for a month.
    • Policy maximum?
      $50,000 to $1,000,000

    • Deductible options?
      $0 to $2,500

    • Period of coverage?
      5 days to 12 months

    Safe Travels USA Comprehensive Trawick International

    • Acute onset of pre-existing conditions: Up to 89 years
    • For those under 70, medical treatment is covered up to the policy maximum. For individuals aged 70 to 79, the acute onset benefit is limited to a maximum of $35,000. For those aged 80 and above, the benefit is reduced to a maximum of $20,000.
    • Direct Billing: First HealthCare First health care Provider Network
    • Safe Travels USA Comprehensive cost for 65 year old traveler ranges from $125 to $316 for a month.
    • Policy maximum?
      $50,000 and $100,000

    • Deductible options?
      $0 to $5,000

    • Period of coverage?
      5 days to 364 days

    Atlas America Insurance WorldTrips

    • Acute onset of pre-existing conditions: The plan covers up to the selected policy maximum for the acute onset of pre-existing conditions for ages under 80 years.
    • Emergency medical evacuation: $25,000 maximum limit
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Atlas America Insurance cost for 65 year old traveler ranges from $124 to $372 for a month.
    • Policy maximum?
      $50,000 and $100,000

    • Deductible options?
      $0 to $5,000

    • Period of coverage?
      Up to 364 days

    Venbrook Premier Venbrook International

    • Acute onset of pre-existing conditions: For ages up to and including 69, coverage is available up to the medical policy maximum purchased per policy period
    • Emergency medical evacuation: $25,000 maximum limit
    • Venbrook Premier may cover sudden diabetic events as acute onset under certain conditions. If no pre-existing conditions exist, it's treated as a cardiovascular event.
    • Venbrook Premier Insurance cost for 65 year old traveler ranges from $136 to $419 for a month.
    • Policy maximum?
      $50,000 and $100,000

    • Deductible options?
      $0 to $5,000

    • Period of coverage?
      5 days to 12 months

    SafeVista Comprehensive INF

    • Acute on set of pre-existing conditions: Covered up to maximum benefit except Cardiac Coverage for Angina, Heart Attacks, and Stroke. Maximum $25,000 for individuals under the age of 69, and $15,000 for individuals aged 70 and above (inclusive of PPO fees) with deductible $500
    • Coverage from 10 days to 364 days.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Safe Vista Comprehensive Insurance cost for 65 year old traveler ranges from $150 to $262 for one month.
    • Policy maximum?
      $100,000 and $1,000,000

    • Deductible options?
      $0 to $5,000.

    • Period of coverage?
      10 days to 364 days

    Visitors Protect IMG

    • Offers comprehensive coverage for pre-existing conditions up to age 99, though premiums may be higher for older travelers.
    • Provides coverage for pre-existing conditions with a maximum benefit of up to $25,000 for individuals aged 0 to 69. For those aged 70 to 99, the maximum benefit is $15,000 and is subject to a $1,500 deductible.
    • Direct Billing: First healthcare network First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
    • Visitors Protect Insurance cost for 65 year old traveler ranges from $637 to $1,593 for 3 months.
    • Policy maximum?
      $50,000 and $250,000

    • Deductible options?
      $250 to $5,000

    • Period of coverage?
      Minimum purchase 90 days

    INF Elite X INF

    • Full Pre-existing condition coverage:
      • Ages 0–69 years: Choose a pre-existing condition coverage limit of $25,000, $30,000, $40,000, or $50,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
      • Ages 70–99 years: Choose a pre-existing condition coverage limit of $20,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • INF Elite Insurance cost for 65 year old traveler ranges from $947 to $1,415 for 3 months.
    • Policy maximum?
      $150,000 and $300,000

    • Deductible options?
      $500 to $5,000.

    • Period of coverage?
      Minimum purchase 90 days

  • Seniors Travel Insurance for Above 60 Years

    Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.

    Visitors Care IMG

    • Cheap visitor health insurance for parents visiting USA.
    • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
    • Pre-Existing condition medical evacuation,: Covers up to $25,000 max per period of coverage.
    • Direct Billing: First healthcare First health care Provider Network or United HealthCare United Healthcare Provider Network
    • Visitors Care insurance cost for 60 year old traveler ranges from $38 to $89 for a month.
    • Policy maximum?
      $25,000, $50,000, $100,000

    • Deductible options?
      $0, $50, $100

    • Period of coverage?
      5 days to 2 years

    Venbrook Essential Venbrook

    • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
    • Cardiovascular event sub limit: Covers up to $25,000.
    • Emergency medical evacuation: Covers up to $100,000.
    • Venbrook Essential insurance cost for 60 year old traveler starts from $47 to $120 for a month.
    • Policy maximum?
      $25,000, $50,000, $100,000, $150,000

    • Deductible options?
      $0

    • Period of coverage?
      5 days to 12 months

    Venbrook Premier Venbrook

    • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
    • Cardiovascular event sub limit: Covers up to $25,000.
    • Emergency medical evacuation: Covers up to $100,000.
    • Venbrook Premier insurance cost for 60 year old traveler starts from $85 to $330 for a month.
    • Policy maximum?
      $25,000, $50,000, $100,000, $250,000

    • Deductible options?
      $0, $100, $250, $500, $1,000, $2,500 and $5,000

    • Period of coverage?
      5 days to 12 months

    Visitors Preferred IMG

    • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
    • Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
    • Direct Billing: First healthcare First health care Provider Network or United HealthCare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $1000,000.
    • Visitors Preferred insurance cost for 60 year old traveler ranges from $100 to $363 for a month.
    • Policy maximum?
      $50,000, $100,000

    • Deductible options?
      $0, $100, $250, $500, $1,000 $2,500

    • Period of coverage?
      5 days to 12 months

    Diplomat America Global Underwriters

    • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
    • Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
    • Freedom to choose hospitals or doctors
    • Emergency medical evacuation: Covers up to $250,000.
    • Diplomat America insurance cost for 60 year old traveler ranges from $133 to $379 for a month
    • Policy maximum?
      $50,000, $100,000

    • Deductible options?
      $0, $100, $250, $500, $1,000 $2,500

    • Period of coverage?
      15 days to 12 months

    Safe Travels USA Trawick International

    • Unexpected recurrence of pre-existing conditions: Covers up $1,000 for ages up to 70 years.
    • Cardiac conditions or stroke: Covers up to $25,000 up to age 69 years.
    • Direct Billing: First HealthCare First health care Provider Network
    • Emergency medical evacuation: Covers 100% up to $1,000,000.
    • Safe Travels USA Insurance cost for 60 year old travelers ranges from $80 to $357 for a month
    • Policy maximum?
      $50,000, $100,000

    • Deductible options?
      $0, $100, $250, $500, $1,000, $2,500, $5,000

    • Period of coverage?
      5 days to 364 days

  • Older Traveler Medical Insurance for Above 70 Years

    Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.

    Safe Travels Advantage Trawick International

    • Acute onset of pre-existing conditions: Covers up to the policy maximum (up to age 79).
    • Cardiac conditions or stroke: Covers up to $15,000.
    • Direct Billing through First HealthCare First health care Provider Network
    • Emergency medical evacuation: Covered up to unlimited.
    • Repatriation of remains: Covers up to $25000 per policy period.
    • Safe Travels Advantage cost for 70 years old traveler ranges from $61 to $166 for a month
    • Policy maximum?
      $25,000, $50,000, $100,000, $150,000

    • Deductible options?
      $0

    • Period of coverage?
      5 days to 364 days

    Safe Travels Elite Diamond Trawick International

    • Acute onset of pre-existing conditions: Covers up to $35,000 (up to age 79).
    • Cardiac conditions or stroke: Covers up to $15,000.
    • Direct Billing through First HealthCare First health care Provider Network
    • Emergency medical evacuation: Covers up to $50,000.
    • Repatriation of remains: Covers up to $7,500 per policy period.
    • Safe Travels Elite cost for 70 years old traveler ranges from $100 to $150 for a month.
    • Policy maximum?
      $50,000, $100,000

    • Deductible options?
      $100, $200

    • Period of coverage?
      5 days to 364 days

    Atlas America WorldTrips

    • Ideal plan for parents with pre-existing conditions coverage up to 79 years.
    • Acute on set of pre-existing conditions: Covers up to policy maximum.
    • Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $1,000,000.
    • Border entry protection: Covers up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.
    • Atlas America Insurance cost for 70 year old travelers ranges from $201 to $619 for a month.
    • Policy maximum?
      $50,000, $100,000, $150,000

    • Deductible options?
      $0, $100, $250, $500

    • Period of coverage?
      364 days

    Travel Medical Choice Seven Corners

    • Acute on set of pre-existing conditions: Covers up to policy maximum, cardiac conditions are included under pre-existing conditions.
    • Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $1,000,000.
    • Repatriation of remains: Covers up to $50,000.
    • Travel Medical Choice Insurance cost for 70 year old travelers ranges from $286 to $808 for a month.
    • Policy maximum?
      $50,000, $100,000

    • Deductible options?
      $0, $100, $250, $500, $1,000

    • Period of coverage?
      5 days to 364 days

    Safe Travels USA Comprehensive Trawick International

    • Most popular plan with Acute on set of pre-existing conditions coverage up to $35,000 (up to age 79).
    • Direct Billing: First healthcare First health care Provider Network
    • Cardiac conditions or stroke: Covers up to $15,000.
    • Emergency medical evacuation: Covers 100% up to $1,000,000.
    • Repatriation of remains: Covers up to $50,000.
    • Safe Travels USA Comprehensive Insurance cost for 70 year old travelers ranges from $179 to $645 for a month.
    • Policy maximum?
      $50,000, $100,000, $250,000, $500,000, $1,000,000

    • Deductible options?
      $0, $100, $250, $500, $1,000, $2,500, $5,000

    • Period of coverage?
      5 days to 364 days

    Visit USA Standard Travel Insurance Services

    • Budget friendly travel insurance with Acute on set of pre-existing conditions coverage up to $2,500.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network or First HealthCare First health care Provider Network
    • Emergency medical evacuation: Covers up to $250,000.
    • Repatriation of remains: Covers up to $50,000.
    • Visit USA Standard Insurance cost for 70 year old travelers ranges from $165 for a month.
    • Policy maximum?
      $75,000

    • Deductible options?
      $0

    • Period of coverage?
      5 days to 364 days

  • Senior Citizen Travel Insurance for Above 80 Years

    Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.

    Safe Travels Advantage Trawick International

    • Acute onset of pre-existing conditions: Covers up to $15,000 (up to age 89).
    • Cardiac conditions or stroke: Covers up to $15,000.
    • Direct Billing through First HealthCare First health care Provider Network
    • Emergency medical evacuation: Covers up to unlimited.
    • Repatriation of remains: Covers up to $25,000 per policy period.
    • Safe Travels Advantage cost for 80 years old traveler ranges from $159 to $574 for a month.
    • Policy maximum?
      $25,000, $50,000, $100,000, $150,000

    • Deductible options?
      $0

    • Period of coverage?
      5 days to 364 days

    Visit USA Superior Travel Insurance Services

    • Affordable travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network or First HealthCare First health care Provider Network
    • Emergency medical evacuation: Covers up to $500,000.
    • Repatriation of remains: Covers equal to the elected overall maximum limit.
    • Visit USA Superior Insurance cost for 80 year old travelers ranges from $556 for a month.
    • Policy maximum?
      $20,000

    • Deductible options?
      $0, $250, $500, $1,000

    • Period of coverage?
      5 days to 364 days

    Safe Travels USA Comprehensive Trawick International

    • Acute on set of pre-existing conditions: Coverage up to $20,000 (up to age 89).
    • Direct Billing: First HealthCare First health care Provider Network
    • Cardiac conditions or stroke: Covered up to $15,000.
    • Emergency medical evacuation: Covers 100% up to $1,000,000.
    • Repatriation of remains: Covers up to $50,000.
    • Safe Travels USA Comprehensive Insurance cost for 80 year old travelers ranges from $566 for a month.
    • Policy maximum?
      $20,000

    • Deductible options?
      $0, $100, $250, $500, $1,000, $2,500, $5,000

    • Period of coverage?
      5 days to 364 days

    SafeVista Comprehensive INF

    • Best plan for seniors with acute on set of pre-existing conditions up to 99 years.
    • Acute on set of pre-existing conditions: Covers up to maximum limit
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $25,000 maximum.
    • SafeVista Comprehensive insurance cost for 90 years old traveler $789 for one month.
    • Policy maximum?
      $100,000

    • Deductible options?
      $100, $250, $500, $1,000, $2,500, $5000

    • Period of coverage?
      10 days to 364 days

    Visitors Protect IMG

    • Ideal plan for seniors with pre-existing conditions.
    • Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
    • Direct Billing: First healthcare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuatio: Covers up to $25,000 maximum.
    • Minimum purchase is 90 days.
    • Visitors Protect insurance cost for 80 years old traveler $1987 for 3 months.
    • Policy maximum?
      $50,000

    • Deductible options?
      $250, $500, $1,000, $2,500 or $5,000

    • Period of coverage?
      90 days up to 12 months

    INF Elite Plus X INF

    • Perfect plan for seniors with Preventive and maintenance care benefit.
    • Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $25,000 maximum.
    • Minimum purchase is 90 days.
    • INF Elite Plus insurance cost for 80 years old traveler $3499 for 3 months.
    • Policy maximum?
      $75,000

    • Deductible options?
      $250, $500, $1,000, $2,500, $5000

    • Period of coverage?
      90 days to 364 days

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  • visitors-insurance/fixed-benefit-travel-health-insurance.asp"

    Senior Citizen Travel Insurance for Above 90 Years

    Visitor insurance for 90 years old USA are available for senior travelers above 90 years of age with suitable benefits. Compare some of these health insurance over 90 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 90 years.

    SafeVista Comprehensive INF

    • Best plan for seniors with acute on set of pre-existing conditions up to 99 years.
    • Acute on set of pre-existing conditions: Covers up to maximum limit
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $25,000 maximum.
    • SafeVista Comprehensive insurance cost for 90 years old traveler $789 for one month.
    • Policy maximum?
      $100,000

    • Deductible options?
      $100, $250, $500, $1,000, $2,500, $5000

    • Period of coverage?
      10 days to 364 days

    INF Premier X INF

    • Affordable plan for seniors with full pre-existing conditions up to 99 years.
    • Pre-existing conditions: Covers up to $15,000/$20,000 maximum with $1,000/$5,000 deductible.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $20,000 maximum.
    • Minimum purchase is 90 days.
    • INF Premier X insurance cost for 90 years old traveler $1091 for 3 months.
    • Policy maximum?
      $100,000

    • Deductible options?
      $250, $500, $1,000, $2,500, $5000

    • Period of coverage?
      90 days to 364 days

    INF Elite X INF

    • Ideal plans for seniors with pre-existing conditions coverage up to 99 years.
    • Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $25,000 maximum.
    • Minimum purchase is 90 days.
    • INF Elite X insurance cost for 90 years old traveler $2,887 for 3 months.
    • Policy maximum?
      $75,000

    • Deductible options?
      $250, $500, $1,000, $2,500, $5000

    • Period of coverage?
      90 days to 364 days

    Visitors Protect IMG

    • Ideal plan for seniors with pre-existing conditions up to 99 years.
    • Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
    • Direct Billing: First HealthCare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
    • Emergency medical evacuation: Covers up to $25,000 maximum.
    • Minimum purchase is 90 days.
    • Visitors Protect insurance cost for 90 years old traveler $1987 for 3 months.
    • Policy maximum?
      $50,000

    • Deductible options?
      $250, $500, $1,000, $2,500 $5,000

    • Period of coverage?
      90 days to 364 days

    Visit USA Superior Travel Insurance Services

    • Budget friendly travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
    • Direct Billing: Unitedhealthcare United Healthcare Provider Network or First HealthCare First health care Provider Network
    • Emergency medical evacuation: Covers up to $500,000.
    • Repatriation of remains: Covers equal to the elected overall maximum limit.
    • Visit USA Superior Insurance cost for 90 year old travelers ranges from $556 for a month.
    • Policy maximum?
      $20,000

    • Deductible options?
      $0, $50, $1,000, $2,500, $5000

    • Period of coverage?
      5 days to 364 days

Traveling to the USA? Stay Protected Against Any Border Entry Issues!

Border entry issues at the US border can be unpredictable. Our Border entry protection visitor insurance covers unexpected delays, denial of entry, and related travel disruptions. Protect your US travel investment with specialized border entry insurance available on American Visitor Insurance.

Factors That Affect the Cost of India Travel Insurance for USA

1 Traveler’s Age
The cost of visitor insurance for India in the USA increase with the age of the traveler. For example, someone in their 30s may pay $20/month for a fixed benefit plan or $60/month for comprehensive. While someone in their sixties typically pays about double, and prices rise even higher for older travelers.
2 Medical Maximum Coverage
Plans with higher coverage limits (e.g., $100,000 vs. $500,000) or lower deductibles generally cost more.
3 Deductible Amount
Plans with higher deductibles are generally cheaper but require you to pay more out of pocket in case of a claim.
4 Type of Coverage
Fixed benefit visitor insurance plans are cheaper but only pay set amounts for services but Comprehensive visitor insurance plans are more expensive provides broader coverage of medical expenses and emergencies.
5 Coverage for Pre-Existing Conditions
Visitor insurance for India in the USA covering full pre-existing conditions or acute onset of existing medical conditions generally cost more.
6 Trip Duration
Longer trips usually increase the total cost of the policy
7 Optional Add-Ons
Emergency medical evacuation, adventure sports coverage, or higher personal liability can lead to increased premium.

What Are the Five Biggest Mistakes When Buying the Best Travel Insurance for Visitors to USA From India?

  • Delaying the purchase until after the travel starts can lead to loss of full coverage benefits.
  • Buying the cheapest plan without understanding policy limitations can result in inadequate protection.
  • Overlooking pre-existing conditions coverage, especially for seniors, can lead to expensive out-of-pocket costs.
  • Failing to verify if the provider is in the PPO network may limit access to affordable hospitals and clinics.
  • Not reviewing COVID-19 coverage terms can leave travelers unprotected in case of pandemic-related emergencies.

What Does Travel Insurance for Visitors to USA Coverage Include?

Some of the important travel health insurance for USA benefits are listed below:

  • 🩺 Doctors Visit: This allows travelers to visit Doctors for sudden unanticipated medical ailments.
    • Does not cover:
      Continuing treatment for pre-existing ailments and preventive care
    • Co-pay and deductible will vary depending on the chosen US travel insurance plan.
    • Travelers have the option of No Co-pay and $0 Deductible.
  • 💊 Pharmacy Drugs: Doctor prescribed eligible pharmacy drugs are also covered.
  • 💓 Visitors Medical Insurance for Pre-Existing Conditions: It is difficult to find health insurance for tourists in USA that covers pre-existing conditions. Only some tourist health insurance cover pre-existing conditions - INF is one such provider.
    • Some INF visitor insurance for pre-existing conditions plans insure in-patient, out-patient, urgent care, specialist and doctor visits related to pre-existing conditions.
    • A pre-existing condition is a medical ailment that existed before the start of the US holiday insurance for visitors coverage. Conditions considered as pre-existing diseases include Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc.
  • ⚕️ Surgery: Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.
  • 🚑 Medical Evacuation: Provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
  • ⚰️ Repatriation of Remains: The repatriation of remains benefit covers expenses to return the traveler’s remains to their home country in the event of death.
    • Coverage depends on the chosen tourist health insurance plan.
    • Repatriation coverage can be up to $50,000.
Point to Note While Buying US Visitor Medical Insurance

In US hospitals, patients with travel insurance to USA within the PPO network incur significantly lower costs for treatments compared to uninsured patients.

Simply having health insurance for visitors in USA can greatly reduce medical expenses.

The best health insurance for tourists in USA varies based on the best USA travel insurance for visitors plan chosen, however travelers can get coverage up to $8,000,000.

To get better access to in-network hospitals, consider visitors health insurance in USA plans with strong PPO networks:

Choosing USA travel insurance for visitors with a robust PPO network from American Visitor Insurance ensures smoother claims and more affordable treatment during your stay in the USA.

What Are the Visa Requirements for Indian Travelers to the USA?

  • Visa requirements: Travelers from India to the U.S check the specific visa requirements for the visit. The type of visa required depends on the purpose of travel, such as tourism, business, work, or study.
  • Visa Application Process: For individuals requiring a visa, the application process involves submitting the necessary documents, attending a visa interview, and meeting specific eligibility criteria. The process can vary based on the type of visa.
  • ESTA for Short Visits: For short visits (up to 90 days) for tourism or business purposes, Indian citizens may be eligible to apply for an Electronic System for Travel Authorization (ESTA) instead of a visa. This applies if traveling under the Visa Waiver Program (VWP).

What Documents Are Needed While Traveling to USA From India?

If you are traveling to the USA from India, you will need the following documents:
  • Valid Passport: At least six months' validity beyond your planned stay.
  • Valid Visa: Appropriate visa for your visit (e.g., B-2 for tourism, B-1 for business).
  • DS-160 Form Confirmation: Confirmation page of the Nonimmigrant Visa Application form.
  • Visa Appointment Confirmation: Confirmation of your visa appointment and fee receipt.
  • Photograph: Recent passport-sized photograph meeting U.S. visa requirements.
  • Travel Itinerary: Details of your travel plans and accommodation.
  • Return or Onward Ticket: Proof of a return or onward journey.
  • Proof of Funds: Evidence of sufficient funds to cover your stay.
  • Employment or School Documents: Proof of employment or enrollment in India.
  • Invitation Letter: If visiting family or friends (optional but helpful).
  • Travel Insurance: Recommended for covering unexpected medical expenses or trip interruptions.
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Which Pre-Existing Conditions Are Covered by US Travel Insurance?

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How Does Coverage for Pre-Existing Conditions Work?

  • Definition of a pre-existing condition – what medical conditions are considered pre-existing.
  • Look-back period – the time frame prior to travel during which a condition is considered pre-existing.
  • Type of coverage – whether the plan covers only acute onset (sudden flare-ups) or full coverage (ongoing treatment).
  • Coverage limits – the maximum amount the policy will pay for pre-existing conditions.
Whether a travel health insurance plan covers your pre-existing conditions depends on all these factors.

Acute onset vs. Chronic Conditions

Type Definition Examples
Acute Onset of a Pre-Existing Condition A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention. Heart attack, sudden asthma attack, acute appendicitis
Chronic Pre-Existing Condition A long-term or ongoing condition that existed prior to coverage and is generally managed over time Diabetes, hypertension, chronic kidney disease

Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.

I Need the Best Health Insurance for My Parents Visiting USA With Pre-Existing Ailments

If pre-existing medical conditions is a top concern for you when insuring your visiting parents, then you should consider one of three best US travel health insurance for parents with pre-existing health ailments on American Visitor Insurance that actually covers any emergency whether due to something new or due to a pre-existing condition. The policies are: Visitors Protect by IMG and Premier X , Elite X and SafeVista Comprehensive from INF.

The Elite X plan and the Visitors Protect plans are comprehensive which make them fairly complete. The Visitors Protect plan is a 25/75 plan meaning that after the deductible, they pay 75% and you would pay 25% of medical expenses. The Elite plan is a 20/80 plan, or you can opt for the Elite 90 plan which is a 10/90 plan.

The third plan Premier X plan is a fixed plan offered by INF. A fixed plan or limited plan has caps on what it pays out for each medical expense, so it may not pay 100% of any bill (and it does not cover a percentage like the comprehensive plans).

SafeVista Comprehensive, on the other hand, is a comprehensive plan from INF that provides coverage for acute onset of pre-existing conditions up to 99 years. A major advantage is that it only requires a 10-day minimum purchase (unlike the 90-day minimum required by most comprehensive pre-existing plans), making it a great short-term option for parents staying briefly in the USA.

The definition of pre-existing conditions and how they cover is unique to these plans. Firstly, if a condition is VERY stable (has had no flare up nor change in medication 12 months before the start of the plan), then the policy covers it like any other condition (at the maximum and deductible you chose). If there HAS been a flare up or change in the past year, then it is still covered, but it will be subject to a higher deductible and a lower maximum (on the fixed plan, you choose these). Please call us if you have any questions or need assistance at (877)-340-7910.

You can compare cost and some benefits for Visitors Protect, Premier X, SafeVista Comprehensive and Elite X plans in below table.

Plans for Parents Pre-existing coverage Minimum purchase Cost
SafeVista Comprehensive Comprehensive Acute onset coverage, up to age 99 10 days $215
INF Premier X Fixed benefit Full pre-existing coverage, up to age 99 90 days $445
Visitors Protect Comprehensive Pre-existing coverage, up to age 99 90 days $954
INF Elite X Comprehensive Full pre-existing coverage, up to age 99 90 days $1243

What Is the Best Travel Insurance for Indian Parents Visiting the USA?

If you're planning to invite your parents from India to the USA, it is important to choose the right visitor health insurance for parents, which is essential due to the high healthcare costs in the US. The best travel insurance for visitors to the USA from India should include benefits like doctor visits, hospitalization, emergency medical evacuation, and coverage for the acute onset of pre-existing conditions, a crucial feature for senior travelers.

The highly recommended choices for Indian parents visiting the U.S are:

  • Safe Travels USA Comprehensive: Best plan for seniors above 65, offers excellent coverage for acute onset of pre-existing conditions, including hospitalization and emergency services.
  • Patriot America Plus: Suitable for seniors under 70, who is looking for comprehensive coverage with good PPO network and covers sudden illness or injury.
  • Atlas America: Recommended for healthy seniors under 80, this plan offers flexible coverage options and covers acute onset of pre-existing condition up to policy maximum.
  • SafeVista Comprehensive: Best comprehensive plan for seniors looking for high coverage limits and covers acute onset of pre-existing conditions up to 99 years.

Which Is the Best Medical Insurance for U.S. Citizens Living in India Visiting the U.S.?

U.S. expats living in India frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel health insurance for US expats visiting USA.

Patriot America Lite, Patriot America Plus, Patriot Platinum America and Diplomat America insurance are the popular health insurance plans for U.S. citizens visiting USA. The cost of US expat returning to USA health insurance is based on the traveler’s age, duration of coverage and chosen plan maximum and deductible.

Popular plans from IMG, a leading U.S. insurance provider, include:

Another popular choice is Diplomat America insurance, offered by Global Underwriters.

Travel insurance USA Coverage Provider Network Cost #
Patriot America Lite IMG $50,000 United HealthCare $79
Patriot America Plus IMG $50,000 United HealthCare $84
Patriot Platinum America IMG $2,000,000 United HealthCare $161
Diplomat America Global Underwriters $50,000 No PPO $138

# The approximate monthly cost of expat health insurance for a 40-year-old traveler visiting the USA with a $100 deductible.

The cost of medical insurance for U.S. citizens returning to the USA depends on:

  • Age of the traveler
  • Duration of stay/coverage period
  • Plan maximum and deductible selected

Best Travel Insurance for Indian Visitors Traveling to the USA

Top Cashless Insurance for Indian Travelers to the USA

When you're traveling to USA from India, dealing with a sudden medical emergency is traumatic enough. Having Cashless US travel insurance will help you settle these issues without worrying about paying huge bills upfront.

With a cashless US visitor insurance, the insurance company will directly settle the eligible medical expenses with the hospital and you can just focus on getting well while not worrying about the finances.

Find the most reliable, affordable, and widely accepted cashless insurance for travel to USA, so that you can travel smart and worry-free.

Cashless travel insurance

Why Buy USA Travel Insurance from American Visitor Insurance?

With over 20 years of experience, American Visitor Insurance understands the diverse needs of Indian travelers visiting USA and recommends the most suitable India to USA travel medical insurance plans. Our licensed team specializes in short-term travel insurance, coverage for seniors, long-term or new residents, and travelers with pre-existing conditions.

We offer 24/7 support to help Indians choose the right coverage for their USA trip with confidence. Whether you need USA visitor insurance, USA travel health insurance, or medical insurance for Indian tourists in USA, our team is here to guide you.

  • Assisting with Visa Letter Requests – We provide official insurance confirmation letters required for visa applications, helping travelers meet embassy and consulate requirements smoothly. This includes USA visa insurance and travel insurance for USA visa from India.
  • Explaining Pre-Existing Condition Coverage – Our experts guide travelers on which plans cover acute onset or ongoing health conditions, ensuring peace of mind for those with medical histories. This is helpful for seniors searching for USA travel insurance with pre-existing conditions and best health insurance for USA travel.
  • Correcting Application Errors – We help fix mistakes like passport numbers, email addresses, or personal details by coordinating directly with insurance providers. This support benefits travelers needing fast fixes for USA travel insurance online applications.
  • Guiding You to PPO Network Access – We help visitors choose plans with extensive in-network options for more affordable and convenient medical care in USA. This includes guidance on cashless medical insurance in USA and PPO network travel insurance for USA.
  • Clarifying Country-Specific Eligibility Rules – We advise travelers on restrictions and requirements depending on their home country or current location. This is especially important for those searching for eligibility for USA travel insurance from India and USA insurance requirements for Indian citizens.
  • Providing Multilingual Support – Our team offers assistance in different languages to ensure travelers fully understand their options and coverage details. This helps customers looking for Hindi support for USA travel insurance or multilingual assistance for India to USA travel insurance.

Travel Insurance USA, Travel insurance in USA for foreigners - FAQ's

1. Can an Indian visitor get health insurance in USA?

Yes, Indian visitors, tourists, students, and others can purchase international travel insurance for the USA from India. It is recommended to buy the best travel insurance for visitors to the USA from India before departure, covering the entire duration of your trip. However, many US travel insurance providers allow you to buy it even after your journey has started. Whether you're looking for affordable travel health insurance for Indians to the USA or medical insurance for visitors to the USA from India, there are plenty of options available.

2. What happens if a tourist from India gets sick in USA?

What happens if a Indian tourist goes to the hospital in the US? How are Indian tourists emergency hospital bills handled? What is involved in seeing a Doctor in the US as a tourist? How is the medical treatment in USA for Indian handled?

These are common concerns of Indian tourists visiting the US. International travelers to the US should be aware the US healthcare is very expensive and is usually covered by health insurance coverage which most US residents have. It is hence important for international tourists in the US to buy the best US travel insurance since they have to pay for any medical expenses incurred while visiting USA.

Being forced to visit an US hospital without good travel insurance can be devastating and one should buy US travel insurance for the entire duration of one’s visit to the USA.

3. How to compare & buy cheapest travel insurance for USA?

  • Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
  • Compare the cost of USA insurance for tourists and review the benefits to identify what fits your needs best.
  • Buy health insurance for USA now that fits your needs and budget best by using a credit card and completing the online application. You can contact American Visitor Insurance, we are open 24 hours, 7 days a week with customer support staff in different time zones of the country.
  • Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

4. How can I buy USA travel insurance online?

American Visitor Insurance offers a wide range of travel medical insurance plans for visitors to the USA designed by the top US travel insurance providers. Customers can compare different travel insurance plans offered by US insurance company on American Visitor Insurance. After comparing different plans, you can choose the one that best meets your needs and budget and buy the policy online by filling out an application and paying for the travel insurance USA using a credit card.

5. Do tourist get free healthcare in USA?

No, international tourists do not get free healthcare in the USA. The United States does not have a universal healthcare system, and US healthcare services are very expensive, especially for the uninsured. If you are a tourist visiting the US, it is very important to have the best travel medical insurance for any unexpected medical expenses that may arise during your trip. US travel medical insurance covers emergency medical expenses, including hospitalization, doctor visits, emergency medical evacuation, and repatriation.

Tourists can compare and review the best US travel insurance options using the American Visitor Insurance comparison tool as well as review the policy brochures to understand the coverage limits and exclusions.

6. Why should we compare insurance for travel to USA?

US Visitors Insurance plans offered by popular US insurance providers might seem similar on first impressions, since many of the visitors medical insurance plans have similar coverages and costs. However, in order to find the best visitor health insurance plan based on the visitors specific needs and to get the best coverage available, it is important to compare different visitor medical insurance benefits.

The following are some of the important factors to consider while comparing visitors insurance:
Type of visitor insurance (Fixed or Comprehensive): Fixed benefit visitor insurance are cheaper when compared to the Comprehensive insurance plans however they offer limited coverage when compared to Comprehensive plans. Normally, it is recommended to buy comprehensive visitors insurance as it offers exhaustive coverage with greater flexibility, however some travelers are looking for the cheapest option.

Policy Maximum: This is the maximum coverage that any plan would offer which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an emergency according to the policy conditions detailed in the policy.

Deductible: This is an initial amount that the traveler needs to pay before the visitors insurance actually starts to pay. The deductible options can range anywhere from $50 up to $5000 based on the plan. A larger deductible means lower premium price and vice versa. Picking a large deductible thus lowers the premium and choosing a comprehensive plan is usually recommended.

Pre-existing condition coverage: This is very important benefit factor as many customers need this benefit. This benefit requirement mostly is required by people over the age of 60, however there may be exceptions where younger people may need this coverage too. Most comprehensive visitors insurance plans offer this coverage for people up to 70, some go up to 80 and a few provide for people above 80. Fixed benefit plans limit this coverage for travelers up to the age of 70 years. Very few plans do not have pre existing condition coverage at all.Pre existing condition coverage is provided only for acute onset of a pre existing condition. There is only one company namely INF that offers plans providing full pre existing condition coverage.

Residential status: Many visitors insurance provide coverage only within the US. Some plans provide coverage worldwide. There are plans available only for Non US citizens visiting the US. There are plans where both Non US and US citizens living abroad are eligible to visit the US and claim coverage. There are plans where US citizens traveling outside the US are eligible. Comparing the plans to look for this factor is necessary before we purchase the plan and start the travel.

Sports and other unique activities: Some of the plans provide excellent sports medical coverage for hazardous sports and other adventure activities.

Based on these US visitors medical insurance factors, American Visitor Insurance provides a compare visitor insurance facility which is user friendly and helps visitors compare and buy the best US visitor insurance for their specific requirements.

7. Can Indian citizens travel to USA?

If you are an Indian citizen and wish to travel to USA, you can apply for a US Tourist Visa online. The ability of Indian citizens to travel to the USA depends on factors such as visa type, purpose of travel, and current travel restrictions.

8. Why do you need travel insurance for USA from India?

Travel insurance from India to the USA is essential for several reasons. Here are some key reasons why individuals should consider purchasing travel insurance while traveling:

  • Medical Coverage: Healthcare in the USA can be expensive. Travel insurance provides coverage for medical emergencies, hospitalization, and other healthcare expenses, ensuring that travelers have financial protection in case of unexpected illnesses or injuries.
  • Emergency Evacuation: Travel insurance often includes coverage for emergency medical evacuation, ensuring that individuals can be transported to the nearest suitable medical facility in the event of a serious health issue.
  • Baggage Loss or Delay: Travel insurance offers coverage for baggage loss, theft, or delay. This ensures that travelers receive compensation for the loss or delay of their belongings during the trip.
  • Coverage for Pre-Existing Conditions: Some comprehensive travel insurance plans may offer coverage for pre-existing medical conditions, subject to specific terms and conditions.
  • Protection Against Travel Risks: Travel insurance provides financial protection against various travel-related risks, including trip cancellations, flight delays, or unexpected events that may disrupt travel plans.

It is recommended to buy the best American medical insurance for visitors to USA on American Visitor Insurance as opposed to buying travel insurance in India since US hospitals work with US insurance providers and it is easier for direct billing. In fact, going beyond the travel health insurance coverage, simply having US travel insurance with US PPO networks, significantly reduce the hospital bills in the USA.

9. Do Indians need visa for USA?

Indian citizens generally need a visa to travel to the United States for tourism, business, work, or study purposes. The type of visa required depends on the purpose of travel, and there are various visa categories, including tourist visas (B-1/B-2), work visas (H-1B, L-1), student visas (F-1), and others.

10. Can I travel to USA without travel insurance?

Yes, you can travel to the USA without travel insurance as it is not mandatory. However, it is highly recommended due to the high medical costs in the USA. Travel insurance provides coverage for medical emergencies, trip cancellations, delays, lost baggage, and accidents, offering financial protection and peace of mind for various unforeseen events.

What Are the Different USA Visa Health Insurance?

Embassy of India in United States

Indian Embassy in Washington

📍 Address:
2107, Massachusetts Avenue, NW, 20008, Washington, USA

📞 Phone: +1-202-9397000

📠 Fax: +1-202-2654351

📧 Email: amb.washington@mea.gov.in, hoc.washington@mea.gov.in

India Consulate in Texas

📍 Address:
4300 Scotland Street, 77007, Houston, Texas, United States

📞 Phone: +1-713-6262148

📠 Fax: +1-713-6262450

📧 Email: cgi-hou@swbell.net

Travel Health Insurance USA, Travel Insurance for Visitors to USA

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Senior Citizen travel insurance USA

Older travelers exposed to long air and car travel, different weather conditions and new cuisines are vulnerable to falling ill. Proper older travelers health insurance USA is important!

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Pre-existing condition travel insurance

It is a difficult to get travel insurance for usa visitors to cover pre-existing conditions. We offer a friendly tool to compare best travel insurance USA plans that cover pre-existing conditions.

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International student health insurance

Student insurance is important given the high cost of health care in the USA. International students in the USA as well as US students overseas should not be uninsured while studying overseas.

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J Visa Health Insurance

The US immigration authorities have specified medical insurance requirements for J visa holders. J1 visa exchange scholars and students have to satisfy these J visa insurance requirements.

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Travel Insurance for International Travelers Visiting USA

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Annual Multi-trip insurance

Annual travel insurance for frequent travelers from India to USA.

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Group travel insurance

Group travel insurance for USA for five or more travelers on same itinerary.

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Green Card holders insurance

Best US health insurance for Green Card holders from India.

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India Travel Insurance for USA Information

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Travel Insurance from India to USA Resources
International travel insurance resources for India travelers visiting the USA.
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Factors for India to USA Travel Insurance Online
Important Factors When Choosing Travel Insurance From India to the USA Safely.
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Types of India
to USA Travel Insurance

Different types of travel insurance coverage options for India travelers to USA.
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India to USA Travel Insurance Claims Procedure
Step-by-step process for filing USA travel insurance claims during medical emergencies.
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Travel Insurance to USA From India Links

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Travel Insurance for USA FAQ

FAQs about travel insurance for USA.

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USA Travel Insurance Blog

Blog about India travel insurance to USA.

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USA Traveler Insurance Forum

Customer Queries for India travelers to USA.

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Travel Insurance for International Travelers

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Travel insurance from India to USA

Travel insurance for US travelers from India.

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US citizens traveling to India

Travel insurance for US citizens visiting India.

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Which Are the Best Travel Insurance Companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, Travelex, INF insurance, HTH Worldwide and Venbrook International.

Which are the best visitors insurance companies in USA?

IMG Logo
HTH Worldwide
Travelex Logo
BCBS Logo
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Expertise in offering travel insurance
20+ years!
US health insurance
Customers from
All U.S. states!
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Customers from over
180 countries!