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Travel Insurance for USA

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International Travel Insurance

Travel Insurance for USA

  • No Paperwork
  • No Medical Check-up
  • 26 Countries 1 Policy
  • Cashless Hospitalisation Worldwide
International Travel Insurance
Plan Details

Travelling to America can offer a range of unique experiences, from exploring lively cities like New York and Las Vegas to planning outdoor adventures in states like California and Utah.

While visiting America can be rewarding and fulfilling, we simply can't ignore the risks associated with overseas travel. This is where USA travel insurance comes into the picture.

The right holiday insurance for America offers adequate coverage to help you deal with expenses arising from covered events. As a result, travel insurance for your USA trip lets you enjoy your vacation without worrying about any financial challenges.

Read on to learn more about our USA travel insurance, its features, benefits, premium cost, claim process and more!

Why Do I Need Travel Insurance for the USA?

Although it is not mandatory to have travel insurance for the USA, visitors are strongly encouraged to invest in a suitable travel policy for the range of benefits and financial protection it provides. Below are the main reasons why you should consider buying holiday insurance for America:

To Safeguard Financial Investments

Making advance bookings for flights and accommodation and other activities is necessary for a smooth travel experience. However, there can be instances when you might have to cancel/postpone your trip due to an unforeseen circumstance, such as bad health, injury, accident, and so on.

Having a US travel insurance plan helps you recover your prepaid expenses in the event of trip cancellations and interruptions.

To Avail of Emergency Treatment

USA travel insurance is crucial to pay for your unforeseen medical expenses, which can be exorbitant in countries like the US. Our international travel insurance plans not only cover your unplanned medical expenses but also help you avail of high-quality, cashless treatment.

To Recover from Unplanned Travel Expenses

Theft, baggage loss, personal accidents, third-party liabilities, etc., are some of the most common scenarios that may result in significant expenses and also ruin your travelling experience. By investing in travel insurance, you can recover losses due to a range of covered events.

USA Travel Insurance Types

Types of America Travel Insurance Purpose/Ideal For
Individual Travel Insurance It offers coverage only for a single person. It is recommended for solo travellers and those who prefer dedicated rather than shared coverage.
Family Travel Insurance It is recommended for families travelling to America. A family floater policy covers all family members travelling under one policy. It is highly cost-effective and easy to manage.
Student Travel InsuranceIt is available for individuals who wish to visit America as students. It covers medical and other travel expenses alongside coverage for events like study interruption, sponsor loss, bail bond, etc.
Senior Citizen Travel InsuranceThis travel insurance for a trip to the USA is recommended for older travellers. It offers dedicated coverage for the growing medical demands and degrading health of senior citizens.
Annual Multi-trip Insurance AmericaThis offers coverage for multiple foreign trips during the year. It is ideal for business travellers and others who need to travel overseas on a frequent basis.

Benefits of Buying Travel Insurance for USA Trip

Medical Coverage

Everyone knows about the skyrocketing healthcare costs in America. In case of medical emergencies, our America travel insurance plan will help you get quality treatment without worrying about the resulting costs. You can also get cashless hospitalisation at our network facilities in America.

Trip Cancellation Coverage

In the event of unforeseen trip cancellation, our travel insurance for USA trip cancellation cover will help you claim your prepaid and non-refundable charges for advance bookings and reservations. This benefit helps you safeguard your finances and re-plan your trip later.

Legal Assistance

USA travel insurance also protects you from legal expenses incurred from loss/damage to a third person or property due to your negligence. Our plans will help you compensate for your liabilities.

Emergency Assistance

Our international travel insurance plans act like your companion in an unknown country. We offer round-the-clock assistance to ensure you never face difficult circumstances alone.

Stress-free Travel

Having travel insurance for your American trip will help you manage financial emergencies without disturbing your travel experience. It is an effective financial risk management tool necessary for worry-free travel experiences in America or other global destinations.

Reliance Travel Insurance for USA

Our holiday insurance for the USA is designed to offer comprehensive coverage during your overseas journey. Our main features include worldwide cashless hospitalisation and medical evacuation during emergencies.

Under our holiday insurance for America, we also offer coverage for events like trip cancellations and interruptions, baggage loss, passport loss, missed connections, personal accidents, personal liabilities and compassionate visits.

In addition, our America travel insurance plans also offer 24/7 emergency assistance and a smooth claims settlement process to ensure satisfactory resolution of your travel insurance claims.

To get the best travel insurance for America, we recommend comparing our available plan options.

Features of Reliance USA Travel Insurance

Following are the key features of our international travel insurance for a trip to America:

Key Features Silver Plan (in USD) Gold Plan (in USD) Platinum Plan (in USD)
Medical Expenses (Transportation, Evacuation, Repatriation of Mortal Remains, etc.)100,000250,000500,000
Dental Treatment 500500500
Loss of Passport300300300
Delay of Baggage100100100
Total Loss of Baggage 100012001500
Personal Liability 100,000200,000250,000
Personal Accident 20,00025,00030,000
Accidental Death (Common Carrier)2,5005,0005,000
Trip Delay25/day (for up to 6 days)50/day (for up to 6 days)60/day (for up to 6 days)
Missed Connections200300500
Trip Interruption & Cancellation600600600
Daily Hospitalisation Allowance 25/day (for up to 5 days)25/day (for up to 6 days)25/day (for up to 7 days)
Hijack Distress Allowance 50/day (for up to 7 days)75/day (for up to 7 days)125/day (for up to 7 days)
Emergency Financial Assistance 300300300
Compassionate Visit

Covers the return fare of a single accompanying person - spouse/children/family doctor

 

Reliance USA Travel Insurance: Inclusions & Exclusions

Inclusions

Our travel medical insurance for the USA covers your unforeseen travel expenses incurred as a result of the following events:

  • Emergency medical expenses incurred by yourself or your family members will be covered by USA travel health insurance

  • Accidental death

  • Accidental bodily injury

  • Visitors' insurance coverage for the USA will cover third-party liabilities

  • Total loss of check-in baggage

  • Theft

  • Loss of passport

  • Trips delays and interruption

  • Trip cancellation

  • Missed connecting flights

Exclusions

Our holiday insurance for the USA does not cover any damages or expenses incurred as a result of the following scenarios:

  • Any pre-existing health condition, unless it is life-threatening

  • Travelling against the advice of your healthcare provider

  • Planned medical treatment

  • Loss or theft of passport due to negligence

  • Partial loss of baggage

  • War and nuclear attacks

  • Actions being committed whilst under the influence of alcohol, drugs or any other intoxicating substance

How to Buy Reliance General USA Travel Insurance Online?

  • Step 1: Go to our overseas travel insurance page under the "Explore Products" section.

  • Step 2: Select "Travel Type" and click "Next".

  • Step 3: Select your travel region, travel dates, country, DoB and other details. Click "Check Quote".

  • Step 4: Select the best travel insurance for America based on your needs from the given options and check the premium. Click "Buy Now"

  • Step 5: Enter a few additional details and make the final payment using any preferred mode of payment. You will receive your USA trip insurance shortly.

Benefits of Buying Travel Insurance Online for USA

Instant Purchase

The biggest perk of buying American travel insurance online is that it is easy, convenient and takes just a couple of minutes. You can purchase your travel insurance plan anytime and anywhere without having to go through the complicated and time-consuming purchase process.

Online Discounts

At Reliance General Insurance, we offer a 5% instant discount when you buy USA travel insurance via our website or Self-i mobile application. Buying your policy online also helps you avoid the intermediary charges of third-party insurance agents.

No Medical Screening

Another advantage of purchasing travel insurance online is that you don't have to undergo any kind of health check-up to buy a suitable policy. If you are below 45 years of age, you can purchase Reliance travel care plans with minimum requirements.

No Paperwork

No time-consuming documentation or paperwork is required to purchase your travel insurance for a trip to the USA online from our website. You can buy a desired travel plan by providing minimum details such as your personal information, stay duration, etc.

How to Claim USA Travel Insurance?

Intimate Your Claim

To start your America insurance claim, inform Reliance General Insurance within 24 hours of the covered event. You can do this by calling our international emergency assistance team or connecting via our Travel Insurance Claims Helpline.

For USA Travel Insurance Cashless Hospitalisation and Emergency Assistance

For events that need cashless hospitalisation or any other emergency assistance, connect with our international emergency assistance team. Our professionals will guide you through the complete process.

For Reimbursement

After returning to India, you can lodge a claim for reimbursement of your covered expenses under your holiday insurance for the USA. To do so, you need to submit all the specified claims documents to our address.

The most common claim supporting documents include your hospital discharge papers, medical bills, police reports, any receipt given by the airline/common carrier, etc., based on the applicability.

Also Check:Travel Claim Forms

Travel Insurance for USA Cost Range

We offer travel insurance for America at prices starting from ₹306*. However, your insurance premium price varies based on multiple factors such as the type of plan, select sum insured, number of insured people and any additional coverage you have opted for. Here is a detailed description of the most common USA travel insurance cost factors:

Level of Coverage

Your travel insurance premiums can increase or decrease based on your chosen coverage. If you need a higher sum insured, expect your premiums to be higher as well.

On the other hand, basic travel insurance plans are cheaper but have limited benefits. So, if you need cheap travel insurance for the USA, look into coverage specifications.

Type of Policy

The type of policy is another factor that influences your American travel insurance cost. This is because different travel policies offer different benefits and come at different prices.

For example, individual travel plans are designed to offer dedicated coverage to a single traveller. On the other hand, family travel insurance plans offer coverage and benefits that are shared among multiple family members.

Additional Requirements

The best travel health insurance for America offers a range of optional covers you can purchase to enhance the coverage of your chosen travel insurance policy. These optional covers are known as riders/add-ons and come at an additional cost.

*Policy premiums are subject to change. Terms and conditions apply.

Tips to Buy Affordable Travel Insurance for USA?

Determine Your Coverage Requirement

Travel insurance coverage requirements vary for each individual. If you want to buy the best travel insurance for America, then start by outlining your coverage requirements and potential travel risks.

If you are travelling with someone, consider their coverage requirements as well. This simple step will help you select a travel insurance plan that fits your budget as well as your requirements.

Choose the Right Policy

The next important tip is to choose a USA visitor insurance plan based on your specific requirements for efficient coverage. For example, individual and family travel insurance plans are ideal for single and family travellers, respectively.

However, for efficient coverage, it is advisable to have a dedicated plan, such as senior citizen travel insurance or student travel insurance.

Compare Multiple Plans

When buying holiday insurance for USA, consider comparing multiple plans based on parameters such as sum insured, covered events, claims settlement ratio, premium cost, etc.

This step will ensure you select the best travel insurance for America without exceeding your budget.

Learn About Claims Settlement

Never finalise a purchase for USA travel insurance online before understanding its claims settlement process. Opt for a provider with a fast and straightforward claims process for timely resolution of your travel insurance claim.

Understand Policy Wording

Take enough time to read and understand your USA travel insurance policy papers before making the final decision.

This is a critical step because every insurance provider offers financial coverage under different terms and conditions. Understanding these terms will ensure that your potential risks are well covered.

Also Read: International Travel Insurance to USA - Here's what you Need to Look at

USA Visa and Entry Information

Types of Visas for the USA

Type of Visas Purpose
Tourism and Visit VisasVisa B-1 is issued for tourism and general visits, such as meeting family or relatives, medical treatment, a short-term program, attending an event, and so on.
Employment VisasThere are multiple types of employment visas issued for working for a specified period. These include Visa H, L, O, P and Q.
Study and Exchange Visas
  • Visa F and Visa M are issued for the purpose of long-term studies in the US.
  • Visa J is granted for participation in approved international exchange programs.
  • For short-term programs, training and certification, individuals need to obtain a Visitor B visa.
Immigrate VisasThere are multiple types of visas issued to foreign nationals who want to immigrate to the US. Under this visa category, you can apply for immediate relative or family-sponsored visas, employer-sponsored visas and a few miscellaneous immigrant visas.
Business VisasThe Visitor Visa B-1 is issued to business travellers who need to conduct temporary business activities in America.
Other Visas

Some other types of visas for America include:

  • Transit visa
  • Official visa for government officials and diplomats
  • Visa for employees of international organisations and NATO

Online Application Process for US Visa

  • Step 1: Select the right category of visa based on your travel purpose and fill out your non-immigrant visa application online via Form DS-160. Fill out this application form very carefully to avoid any chances of visa rejection.

  • Step 2: Gather all the necessary documents depending on your visa and the purpose of your visit. Make sure to meet the complete visa requirements before submitting your visa application form.

  • Step 3: Call the given number to schedule an appointment with the Embassy of the US in India online. Before making the booking, make sure that you have your DS-160 confirmation number ready.

  • Step 4: Visit the embassy for your visa interview on the scheduled date. Answer the questions carefully and pay the America visa fee.

  • Step 5: Wait for the visa decision. Once it is out, you can visit the Embassy again to collect your passport and other documents.

Also Read - Visa Rejections: Common Reasons and How to Avoid Them

List of Documents Required for US Visa

Here is a list of the mandatory documents needed for a US visa application.

  • Passport with a validity of a minimum of six months beyond your stay in America.

  • Duly filled Form DS-160. You can fill out the form online and save its confirmation page for future reference.

  • Visa application fee payment receipt.

  • Photos based on US visa photo standards.

  • Other documents based on your purpose of visit.

  • US tourist visa insurance (optional)


While insurance for a tourist visa in the USA is optional, we still recommend getting one to cover your trip.

Embassy of USA in India

Name U.S Embassy in India
Location in IndiaNew Delhi
Address Shantipath, Chanakyapuri, New Delhi (110021)
Contact Number+91-11-2419-8000
Fax+91-11-2419-0017
Website U.S. Embassy New Delhi 
Operating DaysMonday to Friday
Operating Hours8:30 AM to 5:00 PM

Interesting Facts About America

  • After Russia and Canada, the US is the third largest country in the world in terms of area.

  • With a GDP of over USD 25 trillion, the USA has the most powerful economy in the world.

  • Hollywood, centred in California, is the most influential and world-famous film industry.

  • Established in 1872, Yellowstone is the world's first-ever national park.

  • The Grand Canyon, which is listed among the seven wonders of the world, is located in Arizona, America.

Best Time to Travel to the USA

Seasons Months Weather Conditions
Peak SeasonJune to August (Summer)● 18°C to 31°C
● Warm to scorching heat
● Best time to go to America for clear weather perfect for sightseeing.
● Higher prices due to increased tourist influx.
Shoulder Season March to May (Spring) and September to November (Autumn)● 2°C to 26°C
● Pleasant to cold weather
● Best time to visit America for moderate crowds and reasonable rates.
Low SeasonDecember to February (Winter)● -5°C to 22°C
● Chilly winters
● Fewer crowds
● Best month to visit America for heavily discounted accommodation and other tourist fares.

 

Money-Saving Tips for America

  • Enjoy pocket-friendly rates by booking your accommodations in advance.

  • For cheaper accommodations, consider searching for hotels or serviced apartments away from the city centre.

  • Save on travel costs by using public transportation.

  • Dine out at local streets and food trucks for budget-friendly yet delicious meals.

  • To make the most out of your best American travel guide, visit free attractions.

  • Look for online discounts when shopping.

  • Use free Wi-Fi to save on the internet and international calling charges.

Year-Round Travel Checklist for America

Travel Documents

  • Passport

  • Visa

  • ID proof

  • Travel Insurance

  • International driving permit

  • Hotel reservations

  • Flight tickets

  • Other necessary documents based on the purpose of travel.

Health and Safety

  • First-aid kit

  • Face masks

  • Medicines and prescription (if any)

  • Local emergency contacts

Clothing and Accessories

  • USA travel essentials include packing appropriate outfits based on your stay duration and the weather conditions of the American regions you are visiting. Also, keep a pair of comfortable walking shoes and a light weather jacket for outdoor activities.

Budget and Financial Planning

  • Create a budget

  • Make currency arrangements

  • Enquire about global payment options from your bank.

  • Stay aware of currency conversion rates.

America Packing List: Technology and Entertainment

  • Mobile phone

  • Adapters

  • Laptop and charger

  • Camera and lenses

  • Tripod

  • Earphones

  • Power bank, etc.

America Packing List: Toiletries

  • Toothbrush and toothpaste

  • Soaps and shampoo

  • Hairbrush

  • Skincare and Makeup

  • Shaving kit

  • Sanitiser

  • Other useful items.

Trip Planning

  • Create a tour itinerary.

  • Plan a budget

  • Make transportation and accommodation bookings.

  • Install useful travel applications for navigation, cabs and dining.

  • Arrange a local SIM card or buy an international calling plan.

Also Read: Things to Carry While Travelling to US from India 

Tips for Precautions and Safety in America

If you're asking, "Is America safe?" Generally, yes. However, it's imperative that you still take the necessary precautions when travelling overseas.

Health and Emergency

  • Avoid travelling against the advice of your healthcare provider.

  • Purchase adequate health/travel insurance to cover your medical expenses in the US.

  • 911 is America's emergency number. You can use it to contact fire safety, police or an ambulance.

Transportation

  • Make sure to carry your international driving licence if you are planning to drive any vehicle.

  • Adhere to road safety and transportation rules.

  • Take care of your personal belongings when using public transport like buses and taxis.

Cultural and Legal Considerations

  • Learn about local laws and tourist guidelines and stick to them.

  • Respect local customs and traditions.

  • Be respectful towards locals and fellow travellers.

Natural Hazards

  • Stay aware of the weather situation.

  • Avoid visiting potentially dangerous and prohibited areas.

  • Hire a tour guide if you have no overseas travelling experience.

Personal Safety

  • Be mindful of your surroundings and avoid visiting areas with higher crime rates.

  • Secure your belongings and avoid carrying precious items such as jewellery.

  • Consider travelling in groups for safety and security.

Popular America Tourist Attractions

  • Glacier National Park

  • Great Canyon National Park

  • Las Vegas

  • Honolulu

  • Yellowstone National Park

  • Yosemite National Park

  • Lake Tahoe

  • New York City

  • San Diego

  • Jackson Hole

  • San Francisco

  • New Orleans

  • Niagara Falls

  • Colorado Springs

  • Gatlinburg

  • Big Sur

  • Miami

  • Orlando

Best Things to Do in the USA

Explore National Parks

Numerous famous sights in America and national parks should be included in every tour itinerary. Consider visiting parks like Great Canyon National Park, Yosemite National Park, Glacier National Park, etc., to enjoy breathtaking views in the midst of Mother Nature.

Plan Outdoor Adventures

Several tourist attractions in the USA feature unique landscapes featuring magnificent mountains, gigantic water parks, shiny beaches and sparkling snow desserts. This offers an excellent opportunity to plan outdoor activities like hiking, trekking, etc., to witness the wonders of nature closely.

Try American Cuisine

American cuisine is diverse. You can try a variety of dishes based on the US region you are visiting. For instance, you can try Texas-style barbecue, New York pizza, grits and fried chicken, and, of course, macaroni and cheese.

Go Shopping

Shopping is a must when in the USA. From luxury makeup and designer apparel to high-end electronics, you can get everything for great prices and quality in the USA.

Explore Major Cities 

America's tourist attractions aren't limited to national parks. The country also boasts many modern and advanced cities that offer plenty of attractions and activities for visitors. To make the most of your trip, consider visiting cities like New York, Washington, D.C., Las Angeles, Chicago, etc.

Frequently Asked Questions on US Travel Insurance

Does Reliance USA travel insurance cover pre-existing diseases?

Reliance USA travel insurance only covers the pre-existing conditions you declared when you bought your policy.

How can I select the best travel insurance for America?

You need to follow a strategic approach to buying the best travel insurance for America. This includes assessing your coverage needs, setting a premium budget, comparing multiple plans and buying the right one online.

I am travelling to the USA with my family. Should I purchase a single family travel insurance plan or buy individual travel insurance policies for each member?

Investing in a single family travel insurance plan is more cost-effective than buying multiple individual travel policies. However, some members, such as your parents, need dedicated coverage; you can consider buying specialised senior citizen travel insurance plans.​​

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. ​ Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%. Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.

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