Travel Insurance USA; Traveling to America can become more enjoyable for you if you have a travel insurance plan for USA, which provides financial coverage against any medical and non-medical emergency.
Travel delay, loss of passport and check-in, baggage will be covered.
Comprehensive destination-specific plans with no pre-policy medical examination.
Hassle free cash claim bill settlement.
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| Travel Insurance USA |
1. Secure your travel with the best travel insurance for USA.
America, a country at the forefront of science, is also not immune to risks such as infection, allergy, injury and crime. However, simple hospitalization in the US can cost you up to one lakh crores because of the expensive medical infrastructure in the country. Therefore, visiting the US without foreign travel insurance can be a potential risk. So, before thinking of buying travel insurance to USA, one should always be cautious so that they can avoid accidents. Travel guide to USA and read the complete article to get detailed information about travel insurance.
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2. At what point can travel insurance to the US be helpful?
Whether for business, study or leisure, your trip to the US can be an enjoyable experience if you carefully compare travel insurance for the US. Here are some situations when travel insurance to the US can help you.
3. Is it mandatory to have travel insurance in USA?
No, it is not mandatory to have travel medical insurance for the US. However, it is advisable to travel with a comprehensive travel insurance due to the high medical cost of the country and the danger of facing a medical or non-medical accident. Hence, with a USA travel insurance policy, you can be covered against any unplanned expenses that may arise during travel.
4. What are the features of Travel Insurance for USA by Care Health Insurance?
To make your journey happy and stress-free, at Care Health Insurance we have got you covered, whatever be the purpose of your visit. Given below are the benefits of having the best travel insurance for USA.
• Affordable Premium: Travel insurance from India to USA can be made available at an affordable premium by Care Health Insurance.
• Automatic Trip Extension: If you buy travel insurance for USA from Care Health Insurance, you can easily extend your USA travel insurance cover up to 365 days or up to the maximum travel period.
• Compensation in case of mishaps: The plan provides compensation to the regularizing authority if, in any event, the insured's latest accident or sudden death occurs.
• Complete protection: Care Health Insurance's travel plan for USA will cover non-medical emergencies while traveling for business concerns, lost contents and other important documents.
• Cashless Claim Settlement: Travel insurance for US by Care Health Insurance comes with cashless claim benefit, through which you can avail cashless treatment at network hospitals.
5. USA Travel Insurance Plan at a Glance.
Before buying travel insurance to USA, you should always determine whether you need standalone travel insurance, travel insurance for senior citizens or student travel insurance. Also, determine whether you will be traveling frequently or it is a once-in-a-lifetime trip, and then select the most suitable plan. Here are some things you should know to select the most profitable plan.
|
Description |
Explore |
Student Explore |
|
Sum Insured |
US $ 10k, 25k, 50k & 100k (Vary according to the premium) |
US $ 30k, 50k, 100k, 300k, 500k, and 1000k |
|
Trip Options · Single Trip · Multi-trip (Policy will be on an annual basis) |
Yes Yes |
There are fixed policy tenure options of 1
to 24 months available under student travel plans. |
|
Entry Age (Single Trip ) |
Minimum: Child- 1Day, Adult-18 years Maximum: Child – 24 Years, Adult-Lifelong |
Every fixed-tenure policy involves the same
eligibility criteria- Minimum: 12 Years. Maximum: 40 Years. |
|
Entry Age(Multi-trip) |
Minimum: Child -1Day, Adult- 18 Years. Maximum: Child – 24Years, Adult-Lifelong. |
Minimum: 12 Years. Maximum: 40 Years. |
6. What does travel insurance for America cover?
When an unprecedented mishap occurs, you lack the means to handle it in the foreign country. Here, your overseas travel insurance for USA comes to your aid.
Given below are the comprehensive details provided by Care Health Insurance's Travel Medical Insurance:
• Hospitalization Expenses: We cover your expenses if you require emergency hospitalization due to illness or injury and compensate for treatment of pre-existing diseases under life-threatening conditions.
• Daily Allowance: At CARE we compensate a specified amount in the form of medical care for 5 consecutive days of hospitalization.
• Personal Accident: In case of death or permanent total disability (PTD) of the life insured, we will provide compensation during the insurance period due to accidental injury.
• Trip Cancellation & Trip Delay: Travel hassles like trip cancellation and trip delay are subject to outsiders, but with our travel coverage, you can face any necessary expenses that may arise due to this confusion.
• Loss of Passport & Checked-in Baggage: We will give you material compensation in case of delay in receipt of Check-in Baggage for more than 12 consecutive hours.
• Compassionate Visit: If you are traveling alone, face emergency hospitalization and need a companion from your home country, travel insurance from Care Health Insurance can help. In such emergency situations, your travel insurance will cover the family member's economy class ticket fare for the shortest travel route.
7. What is not covered under travel insurance for USA?
It is always wise to understand and be informed about the exemptions by determining the policy terms. Some of the common exemptions under USA travel insurance policy are:
• Drug Misuse: The travel insurance plan will not cover any accidents caused due to the involvement of alcohol or drug misuse.
• World War: Any loss, whether medical or non-medical, that occurs during a national or international war or a nuclear war will not be considered for claim under a travel insurance USA policy.
• Self-inflicted injury: Injury caused by self-injurious activities like attempted suicide or medical emergencies will not be covered under the plan.
• Hazardous Activities: Any claim related to fire related hazardous activities like skits related to fire, which are not mentioned in the brochure or prospectus of the policy, will not be covered under the travel insurance plan USA.
• Breach of Law: Liability or injury will not be covered if a claim is predicated of a "breach of law" under the preliminary rules and regulations.
• Dental Treatment: If a planned dental surgery is required under a plan and is not required by a physician due to acute pain, the same will not be compensated.
Refer to the policy documents for more details on exemptions.
8. What is the premium for travel insurance from USA to India?
A travel insurance premium calculator can help you calculate a travel insurance plan for USA. The premium an insured will have to pay will be based on various factors, including the age of the traveller, the country they are traveling to, the duration of the trip and the type of cover selected. The travel insurance provided by Care Health Insurance is a budget-friendly plan that suits the needs of all the insured.
Our Travel Medical Premium for USA for single traveler on 7 days travel Rs. Starts with 822*. For example, if you are traveling from India to the USA for 7 days, a layover trip, then your travel insurance estimate premium cost with the $50k capped is calculated as below:
|
Insured Member(s) |
Age |
Any Pre-existing Disease |
Sum Insured |
Policy Duration |
Premium Amount(approx.) |
|
1. |
30 Years |
No |
$50,000 |
7 Days |
Rs. 822* |
9. Here are the factors that affect the premium for USA travel insurance.
While choosing travel insurance for USA, you should ensure that the plan meets your requirements and does not break your budget. Here is the factor that you can keep in mind before buying any insurance.
• Nature of the Trip: If you are traveling for fun or if you are a frequent traveler, the type of trip has a great impact on the premium of the plan. Select the frequent traveler multi-trip plan; Others select the one-trip plan.
• Trip Duration: The duration of the trip also affects the premium of your plan. Higher the number of days to travel, higher will be the premium.
• Medical History: Any pre-existing illness or critical illness can increase the premium of your plan. So, if you have a critical illness, make sure your international travel insurance to the USA covers it.
• Check the Coverage: Thoroughly evaluate the coverage section so that you know what is covered. Note that higher coverage means higher premium. It is advised to read the small print of the policy beforehand.
• Review the Exclusions: To avoid any surprises while claiming your policy, always read the exclusions of the plan and plan your budget accordingly.
• Know the Claims Procedure: Make sure you know the procedure for notifying the insurance company and making a claim.
10. How to make a claim under USA Travel Insurance?
The claim settlement team at Care Health Insurance ensures that you do not need to go through any unnecessary rejections when you file a claim. The team makes sure that if any rejection happens, you get proper replies.
CLAIM NOTIFICATION
In case of claim, immediately notify us at any of these touch-points for hassle free processing and speedy settlement.
US and Canada (Toll Free Number):- +1 8443013135/+18443013146
From the rest of the world.
Call Back Facility- +91 124498760
Fax- +91 124-4006674
Email Id- travelassistance@careinsurance.com
reimbursement
In case of reimbursement of treatment expenses, we should contact through these touch-points.
India
Toll Free- 1800-102-4488
Fax Number- 1800-100-5577
Email- travelassistance@careinsurance.com
Care Health Insurance Limited:
Care Health Insurance Limited (formerly known as religare health insurance company limited), unit no. 604-607, 6th Floor, Tower C, Unitech Cyber Park, Gurgaon-122001.
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