Travel Insurance For USA

Travel insurance for the USA is tailored to protect travellers from various unpleasant incidents on their trips. It is an efficient shield that saves one from sudden financial distress in a foreign land. Here are some notable travel insurance for USA features.

• Low Entry Age: Our travel insurance plans for the USA offer coverage to individuals as young as 3 months old. It ensures that travellers of all ages get adequate coverage and protection.

• High Sum Insured: TATA AIG travel insurance comes with a high sum insured of up to $10,00,000. A high sum insured means more expense coverage under the plan and less out-of-pocket expenses for you.

• Discounts: You can avail yourself of up to 15% discounts on premiums for travel insurance plans, as per the terms and conditions mentioned.

• Various Plan Options: TATA AIG Travel Insurance Plus plans are available in three variants. Each variant has distinct features and benefits to suit your requirements. You can choose from the Silver Plus, Platinum and Titanium Plus variants.

Medical Coverage

• Sickness Cover- You get coverage for sickness, medical expenses, medical evacuation, etc. The maximum liability covered is up to $10,00,000*.

• Accidental Death and Dismemberment Cover- Travel insurance USA also provides coverage for death or dismemberment of the insured due to an accident in the USA or during the trip up to a sum insured of $75,000.*

• Hospital Daily Cash- If you are hospitalised for treatment, you may also get $75* per day as hospital cash for up to 10 days.

• Pre-Existing Diseases- Our travel insurance also includes pre-existing disease coverage up to $20,000.*

Baggage Coverage

• Baggage Loss- TATA AIG travel insurance USA inclusions cover check-in baggage lost during transit. It includes compensation of $500* so you can purchase the essentials for your trip.

• Baggage Delay- If your baggage is delayed, the policy covers compensation of $50* for a 4-hour delay.

Journey Coverage

• Personal Liability Cover- You also get coverage for personal liabilities arising due to third-party damages of $5,00,000* as per the plan.

• Hijack Allowance- Our travel insurance also compensates you with $200* per 12 hours for any trauma that you may experience if your flight gets hijacked.

• Passport Loss- If you happen to lose your passport during your trip, our policy covers $500* as reimbursement to get a new or duplicate passport.

Self Inflicted Harm/Injury

No compensation or assistance is provided if the insured gets sick or injured as a result of a self-inflicted injury. It also includes injuries or harm caused due to a suicide attempt.

Loss Due to War, Invasion, Etc

Injuries or health conditions caused due to acts of war, terrorism, civil unrest, military power, etc., are a part of the travel insurance USA exclusions.

Adventure Sports or Dangerous Activity

Any injuries and hospital expenses incurred as a result of participating in adventure sports or dangerous activities will not be covered unless specified in the plan.

Cosmetic & Obesity Procedures

Expenses related to cosmetic procedures or obesity treatments are not included under the scope of our travel insurance.

Pre-Existing Diseases

The insured will not receive any compensation for treatment of pre-existing diseases. It includes those diseases that were present prior to the trip to the USA.

TATA AIG offers various travel insurance for USA types to accommodate the diverse requirements of travellers. Here are some insurance plans that you can opt for while travelling to the USA.

The steps to buy travel insurance for the USA are simple, making the purchase process easier.

• Step 1: Open the TATA AIG official website and go to the Travel Insurance page.

• Step 2: Choose the United States of America as the travel destination. Then click “Get Plan.”

• Step 3: Choose from a suitable travel insurance USA online as per your requirements and proceed to make the payment.

• Step 4: Complete the payment to buy travel insurance for the USA online and get it issued instantly.

If you are visiting the USA, then travel insurance should top your list of priorities. The benefits of travel insurance for the USA are plenty. Here are some of the benefits:

• Medical Emergency Cover- Our travel insurance for the USA covers all the expenses related to medical emergencies. It saves you from spending exorbitant amounts on healthcare facilities in a foreign country. Thus, you get the best medical care without worrying about the expenses.

• Non-Medical Coverage- TATA AIG travel insurance plan also takes care of the non-medical aspect of your trip. You get financial assistance for baggage loss and delay, passport loss, missed flights, trip cancellation, and much more.

• Quick Claim Settlement- With a simple and smooth claim settlement process, you don’t have to run around to get your claim amount from us. All the claim formalities can be completed online using our claim support page. Thus, you are saved from any stressful procedures at the time of claim settlement.

• Travel Worry Free- Our travel insurance plans offer vast coverage on your trip to the USA. It allows you to travel worry-**free and enjoy the trip to the fullest. If any emergency arises, we have got your back!

Here are some fast and fun facts about the USA:

** The rate is subject to fluctuations and hence, one must check the latest dollar rate before exchanging the currency.

Indians who want to travel to the USA for tourism, employment or academic reasons require a visa for the USA. It is mandatory for Indian travellers to apply for a visa and get it approved before their departure. The USA does not provide a visa-on-arrival for Indians.

Besides a visa, Indians must also have a passport with a validity of 6 months post their intended stay in the USA. The passport must contain 2 blank pages for visa stamping. One must also be financially sound. Enough bank balance is necessary to support one's stay in the USA. Having a return air ticket reservation is also a mandatory requirement.

Here are the types of visas that Indians can apply for:

Though travel insurance for visas is not mandatory in the US, it is highly recommended. In times of medical and other emergencies, travel insurance comes in handy. Healthcare facilities are highly expensive in the USA. In such situations, travel insurance provides financial assistance and saves you from draining your savings.

Additionally, students travelling to the USA for higher education must enquire with the respective universities about whether travel insurance is a mandatory requirement.

1. Find out the type of USA visa you require, such as H1-B, B2, C, etc.

2. Fill out the non-immigrant visa application form DS-160.

3. Pay the visa for USA fees online as per the visa applied.

4. Book a visa interview online.

5. Keep all the documents handy and visit the Embassy for the interview.

Here is a generic list of documents required for a USA visa application. The exact documents may vary per the visa type.

• Indian passport with a minimum of 6 validity months beyond your stay period.

• DS-160 visa form

• Fee payment receipt

• Appointment confirmation for visa interview

• Recent passport-sized photograph of the applicant

• Financial proof, such as bank statements.

• USA visa documents, such as a travel itinerary.

• Travel insurance (not mandatory but recommended)

Travelling to the USA is generally considered safe for travellers. However, being aware of crucial tips for traveling to the USA can make your visit a better and memorable one.

• Avoid touring places that are poorly lit and have fewer crowds, as it may lead to unnecessary trouble.

• Stay alert about your surroundings and avoid carrying large amounts of cash with you.

• Sign up for your country’s Embassy for travel alerts. It will help you to stay updated on any disasters or local problems that may arise.

• Make a note of the local emergency numbers. The countrywide emergency contact number in the USA is 911.

• Know your visa limit and avoid staying over the stipulated time to avoid legal trouble.

• Carry adaptors on your trip, as the plugs used in the US are 110 AC and are two-pronged.

• Smoking in indoor areas is strictly prohibited. You must not smoke in restaurants, pubs, clubs, etc.

• One must be at least 21 years old to drink or buy alcohol in the USA, as per the laws. You may have to furnish your age proof to be served or to buy alcohol.

• Precautions to take while traveling to the USA also include having travel insurance to save yourself from bearing huge medical bills.

Knowing the things to do and places to visit in the USA can help you plan your itinerary well. It enables you to make the most of your time in the States. You can have countless experiences and visit several places to enrich your tour.

Relax on the Miami Beach- If you are a beach lover, visiting the Miami beach is a must. You can do many activities such as surfing, swimming or jet skiing on the crystal clear waters. The white sand beach is also a fantastic place to relax or simply get some tan.

Experience Hollywood- Among the best things to do right now in the USA is to experience Hollywood in Los Angeles. When in the USA, you must make the most of the opportunity to witness the glamour and stardom of the city. Taking some quirky pictures can serve as a lifelong memory from your visit.

Visit the Washington DC Museums- If you love exploring museums, soaking knowledge and historical facts, then Washington DC is the place for you. Some of the noteworthy museums are the National Museum of American India, International Spy Museum, National Portrait Gallery, etc.

Explore the National Parks- National Parks are among the best USA places to visit. Some of the best things you can do are walk around the Grand Canyon, explore the gigantic redwoods, or enjoy the tunnel view at Yosemite National Park.

• Valid travel documents, such as a visa and passport, are mandatory to enter and exit the USA. Not possessing valid documents can lead to arrest and deportation.

• Drinking alcohol in public places is against the law. It is also illegal to drink and drive.

• Keep a valid ID proof with you at all times, as it may be necessary for certain transactions.

• In America, independence and privacy are highly regarded. Respecting other people's boundaries and personal space is recommended.

• While dining at restaurants and cafes, it is a usual practice to tip 15-20% of the bill as a gesture. Tipping the taxi drivers and hotel staff is also recommended.

• While casual dresses are prevalent, fine dining restaurants may have dress codes to be followed by men and women.

• Do not litter in public places and dispose of waste mindfully to avoid attracting fines.

• Opt for Budget Hostels- Accommodation in the USA can be expensive. It is recommended to look for budget hostels or dorms. You can also consider Airbnb or low-cost hotels to save money.

• Travel by Public Transport- Renting taxis to travel from one place to another can be costly. You can travel by public transport, as most cities in the US have excellent train systems, buses and subways.

• Make Advance Flight Bookings- If you want to save money while traveling to the USA, book your flight tickets well in advance. You can take advantage of airline deals and discounts during sale periods.

• Opt for Travel Insurance - The cost of medical facilities and treatments in the USA is very high. If you are wondering how to save money in the USA, it is best to have travel insurance for the USA. It offers coverage for various medical expenses during emergencies.