In this comprehensive guide, we will explore the best 5 travel policies to the USA to give you complete peace of my mind during your travels.
Discover the Best 5 Travel Policies to the USA from India
The United States of America, with its vast landscapes, iconic landmarks, diverse culture, and thrilling attractions, is a top destination for travellers from around the world. Whether you're drawn to the dazzling lights of New York City, the sunny beaches of California, or the enchanting charm of New Orleans, the USA offers a plethora of experiences that captivate the hearts of Indian travellers. As you plan your trip to this incredible country, it's crucial to secure the best three travel insurance policies to ensure a seamless and worry-free journey. Travel insurance serves as a vital tool to protect you against unexpected challenges that may arise during your visit to the East Coast or the West Coast. From exploring the historic streets of Boston to marveling at the magnificent Grand Canyon, having the right travel insurance ensures peace of mind and safeguards you from financial burdens. In this comprehensive guide, we will explore the best 5 travel Policies to the USA, a favorite among Indian travellers. By the end, you'll have all the information you need to make an informed decision and embark on a truly unforgettable adventure.
Coverage for Medical Emergencies: Health care in the USA is extremely expensive. When traveling to the USA, it's essential to have travel insurance policies that provide extensive coverage for medical emergencies. Look for policies offering comprehensive
medical coverage, including hospitalization, emergency medical treatment, and
medical coverage, including hospitalization, emergency medical treatment, and medical evacuation. The USA's healthcare system can be extremely expensive, so having robust coverage in place ensures that you receive proper medical care without worrying about exorbitant costs and is a top feature to look out for in your shortlist of the 5 best travel policies to the USA
Trip Cancellation and Interruption Coverage: Life is unpredictable, and unforeseen circumstances can disrupt your travel plans. Post the covid era trip cancellations have resulted in enormous out-of-pocket loss so with trip cancellation and interruption coverage, you can protect yourself from financial loss due to non-refundable expenses. Whether it's a sudden illness, a family emergency, or any other unexpected event that forces you to cancel or cut short your trip, these travel insurance policies provide reimbursement for your pre-paid and non-refundable expenses, such as flights, accommodation, and tour bookings. This feature is a must-have and had a big consideration to play when we made the list of 5 best travel policies to the USA.
Baggage Loss and Delay Coverage: Losing your luggage or experiencing baggage delay can be a frustrating experience. The best travel insurance policies for your trip to the USA should include coverage for baggage loss and delay. This coverage ensures that you receive compensation for lost or delayed luggage, allowing you to replace essential items and continue your journey with minimal disruption.
Emergency Assistance Services: When you're traveling far from home, having access to emergency assistance services is invaluable. Look for travel insurance policies that provide 24/7 emergency assistance. These services can include medical assistance, travel support, emergency cash transfers, and concierge services. Whether you need help finding medical facilities, arranging transportation, or dealing with unforeseen situations, having reliable assistance at your fingertips gives you peace of mind throughout your trip.
Affordable Premiums: While comprehensive coverage is essential, it's also important to find travel insurance policies with affordable premiums. Compare different policies to find the best balance between coverage and cost-effectiveness. Look for insurers that offer competitive rates without compromising on the essential coverage you need for your trip to the USA. Remember, the best travel insurance policies are those that provide adequate protection within your budget for your specific travel needs.
Fraudulent Charges Protection: Protecting your financial information is crucial, particularly while traveling. Ensure that your travel insurance policy includes protection against fraudulent charges on your credit cards. This feature offers an additional layer of security and peace of mind, safeguarding you from potential financial losses resulting from credit card data misuse or cloning.
Clear Policy Terms and Conditions: Understanding the terms and conditions of your travel insurance policies is crucial to ensure a smooth claims process. Take the time to review the policy documents and make sure you have a clear understanding of what is covered, any exclusions, and the claims process itself. Clear communication and transparency in the policy terms and conditions help you make informed decisions and avoid any surprises when you need to file a claim.
In conclusion, when planning your trip to the USA, securing the best travel insurance policies is a smart and necessary step to protect yourself from unexpected situations. With coverage for medical emergencies, trip cancellations, baggage loss, and reliable assistance services, you can embark on your American adventure with confidence. Find affordable premiums that suit your budget, and ensure you understand the policy terms and conditions. Now that you're equipped with this information, you can confidently shortlist one from list of Best 5 Travel Policies For your Trip to the USA.
(*For the case of some uniformity and ease of comparison, we have looked to cover one individual age 35, traveling to USA for a duration of 10 days)
1. Bajaj Allianz Travel Ace:
Bajaj Allianz Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and strength. This joint venture company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of Allianz SE, and indepth market knowledge and goodwill of “Bajaj” brand in India. Competitive pricing and quick honest response have earned the company the customer’s trust and market leadership in a very short time.
What is Travel ACE Plan: Travel ACE is our Modular overseas travel insurance plan. Plan covers all medical eventualities including hospitalization and other incidental expenses at a fraction of the amount that would be otherwise needed, then allows you to select options to suit your specific travel insurance needs. Choose from any of these below plans: • Travel Ace Standard - USD 50,000 • Travel Ace Silver - USD 1,00,000 • Travel Ace Gold - USD 200,000 • Travel Ace Platinum - USD 500,000 • Travel Ace Super Age - USD 50,000 • Travel Ace Corporate Lite - USD 250,000 • Travel Ace Corporate Plus - USD 500,000
What We Like:
Bajaj Allianz has multiple options ranging from $50,000 to $5,00,000
One of the few policies to have coverage for pre-existing ailments
In a post covid Era, trip cancellation benefits are essential. The policy covers Trip Cancellation, event cancellation, Trip curtailment, and even Trip Interruptions
There are minimum deductibles. The dental deductible is one of the lowest
Emergency cash assistance of $1000 is a great feature
A crisp brochure covering all aspects
What Can Improve:
Inclusion of fraudulent charges on card and Adventure sports cover
Compassionate Visit Cover
The Price for this plan will be @ 1957 for a policy cover of $100000
Bajaj Allianz offers great value for money and is our top pick in the list of Best 5 Travel Policies to the USA
2. TATA AIG:
The minimum entry age under this policy for Single Trip Policy is 6 months and up to life. Annual Multi Trip Policy - 19 years to 70 years b) This policy has 2 Options – With Sublimits & Without Sub Limits with various plans. Options are available for selection under Single Trip Policy and Annual Multi Trip Policy. Details of the options are as mentioned below- • Single Trip Policy- Silver, Silver Plus , Gold, Platinum and Senior Plan • Annual Multi Trip- Gold and Platinum with any Single Trip not exceeding 30/45 Days. Coverages are pre-defined as per the Plans. c) The family includes self, spouse, dependent children and his / her dependent parents. d) Dependent child(ren) are covered between the age group of 6 months and 23 years if they are unmarried and permanently reside with the insured. e) The policy offers coverage on an Individual basis.
What We Like:
Covers Missed connection, Bounced hotel, Trip curtailment
One of the few plans to have Fraudulent charges cover
Covers emergency cash with no deductibles
Has coverage from $50,000 to $5,00,000
What Can Improve:
Adventure sports cover
Deductibles need to be reduced
Compassionate Visit Cover
The Price for this plan will be @ 1564 for a policy cover of $100000
Tata Aig has comprehensive benefits and features and is highly recommended in the list of Best 5 Travel Policies to the USA
3. Reliance Travel Care:
Whether you are on a beach sipping lemonade or in a boardroom ready with your coffee, your reasons to travel could be anything from a lovely family holiday to a quick business outing, and the plan understands these feelings. Reliance General Insurance brings to you insurance protection that offers you the convenience of technology for faster assistance during your travel, along with a whole lot of Heart that knows the care you need when it’s important. Reliance Travel Care Policy is the new way to with Tech +
What We Like:
Compassionate Visit Cover
$1000 dollar cover for loss of checked baggage
Personal accident coverage of $20000 is one of the highest
What Can Improve:
Trip Curtailment, Extensions
Fraudulent Charges not covered
No Coverage for personal liability
The Price for this plan will be @ 1317 for a policy cover of $100000
The Reliance Travel Care has essential features at a good price point and makes it in the list of Best 5 Travel Policies to the USA
4. Digit Care Free:
The plan comes with Zero Deductibles, Adventure Sports Coverage such as scuba diving, bungee jumping & sky diving (provided the duration is one day), Immediate Monetary Compensation for Flight Delays, Smartphone-enabled, Missed-call Facility - Give them a missed call at +91-7303470000 and they will call you back in 10 minutes. No more international calling charges!
What We Like:
Great Price Point
Compassionate Visit Coverage
No Deductibles
Adventure Sports Coverage – One-Day Duration
What Can Improve:
Trip Curtailment, Extensions, Bounced Hotel
Fraudulent Charges not covered
Emergency Cash Coverage
The Price for this plan will be @ 864 for a policy cover of $100000
The Digit Care Free has a good mix of features combined with a sweet price point and it makes it in the list of Best 5 Travel Policies to the USA
5. Royal Sundaram Travel Sheild:
Royal Sundaram has various travel insurance policies with coverage starting from 91 days for children with no age limit for Senior citizens. The policy coverage ranges from $50000 to $1000000 which is one of this coverage available
What We Like:
Great Price Point
Trip Delay, Dental, and Hijacking Benefits are covered under the price point
What Can Improve:
Personal Accident
Medical Evacuation
No Coverage for legal expenses
Trip Delays
The Royal Sundaram no-frills offering comes at a great price of @ 578 for a policy cover of $100000
If you are looking for a no-frills policy that covers the basic essentials of a travel insurance plan then the Royal Sundaram Plan offers a great price point and is definitely one to be considered in the list of Best 5 Travel Policies to the USA
If you want to deep dive into the comprehensive benefits table of what the best international travel plans have on offer then do read out the blog "Best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip"
Now that you have read our list of the Best 5 Travel Policies to the USA from India let us know if you have any recommendations which should make our list and don't forget to leave your comment and Like and Share this article if you found this useful and important to You or your family and friends!
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Disclosure
It is important to note that the information gathered for this blog is on a best-effort basis and is accurate as of April 29th, 2023. Travelers are advised to check the latest information on the insurance company's website before purchasing a policy. Additionally, it is important to carefully read and understand the terms and conditions of the policy to ensure that it meets your specific needs and requirements and the country that you would be visiting
Images have been used from websites or brochures of Bajaj Allianz, Tata Aig, reliance, Digit, Royal Sundaram are for the representation purpose of the products or plans