The USA is one of the most popular hubs for travel, business, and education. With millions of travellers visiting the USA each year, it is more important than ever before to know the various risks associated with US travel and what are the steps which can be taken to ensure a safe and secured trip whether it is for just a short visit or a long vacation. This is where travellers can opt for travel insurance for optimal financial protection and peace of mind.

Keep reading to find out all you need to know about getting the right travel insurance for USA trip from India.

Why is travel insurance for USA essential?

The USA is the home to one of the most advanced healthcare systems in the world, with billions of dollars invested in every aspect of healthcare. However, regardless of how good or advanced healthcare in the USA is, it is well known that the USA has one of the most expensive healthcare systems in the world. 

Where even a short trip to the hospital can result in thousands of dollars of expenses ranging from ambulance charges, emergency room charges, doctor consultation fees, pharmacy, diagnostic tests, beds, and many more. This is why it is imperative for travellers to know and consider all of these expenses and avail the right travel insurance for trip to USA with medical coverage. 

What should your travel insurance for a USA trip cover?

Whether it is medical expenses or non-medical trip related costs, it is essential for travellers to know and consider them for a safe and secure trip. Here is a list of some of the key civerages for travellers planning a trip to the USA from India:

1. Medical Expenses

   1. Emergency In-patient medical treatment

   2. Hospital daily cash

   3. Medical Evacuation

   4. Emergency Outpatient treatment (OPD)

   5. Pre-existing diseases

   6. Covid-19

2. Trip-related Expenses

   1. Trip delay, interruption, and cancellation

   2. Delay or loss of checked-in baggage

   3. Missed connection

   4. Emergency trip extension

3. Miscellaneous Expenses

   1. Lost passport

   2. Personal liability

   3. Repatriation of mortal remains

   4. Financial emergency cash

How can international travel insurance protect you in the USA?

International travel insurance is a risk management tool which offer compensation or reimbursement for expenses arising from covered risks. For example, if your checked-in luggage is lost due to some internal problem with the airline, the resolution process might be too long and unsatisfactory for your needs. 

Such as having to buy new clothes which are not needed due to losing your main baggage or having to buy medicine, losing business critical equipment, etc. This is where international travel insurance has set timelines and payouts in case of delay by 12 hours or specific compensation for permanent loss of the baggage.

One crucial thing to note is that while travel insurance offers a host of different benefits, they are only linked to dealing with the aftermath and mitigating their financial impact. This is why it is still essential to know and take proper precautions to prevent many of these risks from happening in the first place, however if they do, travel insurance for USA can protect you and offer compensation and reimbursement for these expenses.

How do you choose the right travel insurance for your USA trip? 

Choosing the right travel insurance for USA trip can be both simple and difficult depending on whom you ask. While for most travellers, a standardised policy from a reliable insurer like Niva Bupa makes the most sense whether it is due to its comprehensive policies, affordable prices, or reliability. However, if you are looking for a specialised policy for your specific needs, you can look for the right insurer by understanding your needs, assessing travel advisories, comparing different policies, and checking the key features as well as crucial criticisms for the best overview.

Conclusion

Travel insurance is one of the most critical investments a traveller can make to financially secure their trip from dozens of medical and non-medical risks. From trip cancellation to stolen checked-in baggage, lost passport, emergency medical hospitalisation, personal accident, travel insurance with coverages for these risks make it an invaluable tool to deal with their financial impact even if these risks might not always materialise. 

So look for and secure your trip with the right travel insurance from a reliable insurer like Niva Bupa for a safe and secured trip to the USA with up to $500,000 of coverage.