What is the difference between US insurance and Indian insurance?
Advantage of US visitors insurance over Indian travel insurance
- Lower medical costs due to PPO network with US hospitals.
- Local customer support for claims and during hospitalization.
- Direct billing easier and widely accepted by US healthcare facilities.
- More comprehensive visitors insurance options for all age groups.
- Pre-existing condition travel insurance for Indian parents visiting usa available.
| |
Travel insurance from the USA |
Travel insurance from India to the USA |
| PPO Network |
US travel insurance plans integrate seamlessly with the US healthcare system, offering lower hospitalization costs and easier access to services. |
No PPO network in the USA. |
| Direct Billing |
Most US insurance plans, through PPO networks, allow direct billing with healthcare providers, minimizing out-of-pocket expenses by having doctors and hospitals bill the insurance company directly. |
Operates on a reimbursement basis, requiring upfront payment for medical services. Some providers may require prior approval for doctor visits, and there are no network-negotiated discounts. |
| Customer Support |
24/7 support during emergencies, aligned with US time zones for faster assistance. |
Support available during Indian business hours; time zone differences may delay responses while traveling in the US. |
| Healthcare System Expertise |
Familiarity with US healthcare laws and systems simplifies navigating medical services, claims, and billing. |
Indian providers may lack expertise in the US system, complicating claims and reimbursement. |
| Language and communication |
Easier communication in English, aligned with US cultural and operational norms. |
Native language communication simplifies understanding of terms, but cultural and operational gaps may arise in US-specific cases. |
| Pre-Existing Conditions |
Coverage available for acute onset of pre-existing conditions, ideal for Indian parents visiting the US. |
Most policies exclude pre-existing conditions or provide limited coverage. |
| Renewal / extension |
Easy renewals and extensions for up to three years, providing uninterrupted coverage for extended stays. |
Policies must often be repurchased; extensions may not be allowed if previous claims were made. |
Can an Indian visitor get health insurance in USA?
Yes. Indian Visitors, tourists, students, and others can all buy travel health insurance in the US. We recommend that the travel insurance be purchased from the day they leave India until they return back home, however, many US travel insurance providers allow you to purchase it even after the traveler has already started their journey. For more details please contact us at (877)-340-7910 or email and one of our licensed agents to get help finding visitors health insurance in USA.
Is it better to buy travel insurance from India or the USA?
Travel insurance from the USA is the best option for Indian travelers visiting the US due to these key advantages:
- US-based insurers are highly regulated, offering reliable protection for travelers.
- US plans integrate seamlessly with local healthcare providers, reducing out-of-pocket costs and allowing for direct billing.
- US doctors and hospitals are more likely to accept insurance from US-based companies, ensuring better access to care.
- 24/7 emergency assistance aligned with US time zones.
- US insurance plans provide comprehensive coverage, including for the acute onset of pre-existing conditions, ideal for visitors.
- Allows for easy renewals and extensions, ensuring continuous coverage for longer stays.
Buying travel insurance from India might have limited coverage, lack of regulations, and difficulties in navigating medical care and filing claims in the USA.
Which travel insurance is best for Indian tourists visiting USA?
The best visitors insurance from India to USA is listed here:
- Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
- Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
The plan provides acute onset of non-chronic pre-existing conditions coverage.
- Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
- Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
- Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
- The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
How much does travel insurance for USA from India cost?
The cost of best travel insurance for USA from India depends on the age of the traveler, medical maximum coverage and deductible for the plan, type of US health insurance for India (Fixed vs comprehensive travel insurance) and the cost of travel insurance for pre-existing conditions for the average traveler, there are cheap travel insurance plans at less than a dollar a day. The cost of India to USA travel insurance for visitors can start from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage. Compare and buy the best US visitor health insurance from India on American Visitor Insurance.
The best tourist visa travel insurance cost ranges from $16 to $150 a month. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type (Fixed vs comprehensive coverage), and any visitors insurance coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day. The cheapest visitor health insurance USA is a fixed benefit plan because it only covers a set amount for each medical expense. Within those parameters, you can choose an economical fixed plan or a more expensive, but complete comprehensive plan. The downside is that you only know what the insurance company will pay on your behalf; you may owe a little or a lot -- it will all depend on how much, specifically, for each service, you are charged. Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to USA from Europe. That same person would only pay $30 for a comprehensive plan to go to Europe. The price is usually double for someone in their Sixties, and even more for older travelers.
Given the high US healthcare costs, being uninsured is very risky. In US hospitals, costs are much cheaper if you have short term medical insurance for international travel and the hospital is part of the travel insurance in USA PPO network. Beyond the travel insurance coverage, simply having visitors insurance decreases the overall bill. It is crucial therefore to buy travel health insurance usa or health insurance for visitors in USA.
In the US, the cost of a routine physician's visit is on average as high as $176. An echocardiogram can cost $1,000 in Massachusetts and around $3,000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room will cost around $2,500 -$5,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.
How much does travel insurance for USA cost per month in 2025?
How much does the cheapest visitors insurance for USA cost?
The cheapest travel insurance for USA starts from $20 per month with options up to $191 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
| Plan Name |
Plan maximum |
Deductible |
Age 40 |
Age 60 |
Age 70 |
| Safe Travels Advantage |
$25,000 - $150,000 |
$0 |
$20 - $58 |
$39 - $102 |
$60 - $166 |
| Visitors care |
$25,000 - $100,000 |
$100 |
$21 - $45 |
$40 - $75 |
$66 - $148 |
| Safe Travels Elite |
$25,000 - $175,000 |
$0 |
$26 - $76 |
$50 - $134 |
$109 - $155 |
| Visit USA Budget |
$50,000 - $150,000 |
$250 |
$32 - $56 |
$49 - $86 |
$84 ($50,000) |
| VisitorSecure |
$50,000 - $130,000 |
$100 |
$34 - $62 |
$55 - $76 |
$96 - $139 |
| Travel Medical USA visitor basic |
$50,000 - $150,000 |
$100 |
$42 - $52 |
$79 - $94 |
$173 - $191 |
The average cost of fixed benefit visitors travel insurance for USA is based on quotes for one month. Source: AMERICAN VISITOR INSURANCE®
How much does the comprehensive and best visitors insurance cost per month?
The best travel insurance cost for USA ranges from $58 to $353 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
| Plan name |
Plan maximum |
Age 40 |
Age 60 |
Age 70 |
| Atlas Essential America |
$50,000 - $1,000,000 |
$58 - $109 |
$131 - $266 |
$263 - $328 |
| Safe Travels USA Cost Saver |
$50,000 - $1,000,000 |
$71 - $117 |
$139 - $250 |
$237 - $299 |
| Visitors Preferred |
$50,000 - $1,000,000 |
$77 - $144 |
$148 - $301 |
$253 ($50,000) |
| Patriot America Lite |
$50,000 - $1,000,000 |
$78 - $146 |
$137 - $274 |
$234 ($50,000) |
| Atlas America |
$50,000 - $2,000,000 |
$78 - $154 |
$177 - $378 |
$355 - $444 |
| Patriot America Plus |
$50,000 - $1,000,000 |
$78 - $147 |
$177 - $307 |
$355 ($50,000) |
| Travel Medical Basic |
$50,000 - $1,000,000 |
$80 - $138 |
$167 - $314 |
$252 - $337 |
| Safe Travels USA |
$50,000 - $1,000,000 |
$80 - $157 |
$147 - $295 |
$252 - $332 |
| Diplomat America |
$50,000 - $1,000,000 |
$125 -$214 |
$229 - $301 |
$353 ($50,000) |
The average cost of comprehensive travel insurance for USA is based on quotes for one month with $250 deductible. Source: AMERICAN VISITOR INSURANCE®
Why do I need travel insurance for USA from India?
By buying travel health Insurance before your trip to the USA, you ensure that you're financially protected and can access the healthcare you need, whether it's for routine doctor visits or urgent medical treatment. Healthcare in the USA can be extremely expensive, especially if you have chronic diseases or pre-existing conditions. Many Indian visitors overlook the importance of travel insurance, not realizing the potential financial strain of medical emergencies abroad. Below are the benefits of having US visitor insurance from India:
- Hospitals and Urgent care The insured can produce their visitor medical insurance card at the urgent care in an event of falling sick or injured while in the US. If the insured requires medical assistance then he can visit a hospital where cashless medical services can be availed.
- Dental coverage: Some US travel insurance plans include dental coverage, helping with any unexpected dental issues during your trip
- Doctor visits: For travelers with chronic illnesses, some insurance plans offer coverage for regular doctor visits, helping manage ongoing health needs during the stay.
- Prescription medication: The insured can buy prescribed medicines for a medical ailment that occurs during travel and file a claim for reimbursement along with the proof of the receipt.
- Pre-existing medical condition: If you experience an acute onset of a pre-existing condition while in the US, your insurance can help cover the treatment, ensuring you're not left financially vulnerable.
Why is medical insurance essential for parents visiting the USA from India?
The size of the Indian diaspora worldwide, coupled with the growing middle class within India makes Indians among the fastest growing group of international travelers. The large highly educated Indian communities in the US often travel back to India.
This community frequently has parents and other family members from India visiting them where they live. International travel has become a way of life in the 21st century, but it is essential not to overlook the risks of traveling overseas, especially for older travelers and parents.
Many parents from India visit the US either on vacation or to spend quality time with their children and grandchildren. To make these visits more enjoyable and stress-free, it is crucial for parents to carry travel insurance for the US from India, which provides coverage for unexpected sickness, injuries, and other medical emergencies.
In addition to essential coverage for medical emergencies, unexpected sickness and injuries, emergency evacuation, trip interruptions, and baggage-related issues, travel insurance offers many more benefits. These help ensure that parents traveling from India can have a memorable vacation without the financial stress of unforeseen travel or health-related expenses.
Given the high cost of healthcare in the US, it is crucial to choose a comprehensive travel insurance plan that covers hospitalization and emergency medical expenses. Taking some time to compare travel insurance at American Visitor Insurance to find the cheapest travel insurance for Indians and peace of mind for your international travel to the US.
What does US visitor insurance for parents cover?
- Medical emergencies
- Unexpected sickness and injury
- Emergency evacuation and repatriation
- Trip Interruption
- Loss of luggage
- Travel delay and delay in luggage transportation
In this context, it is important to understand the need for best medical insurance for parents visiting USA from India and their benefit details while buying online. Here we have provided resourceful overseas travel insurance information for the different groups of Indian overseas travelers.
How much does medical insurance for parents visiting USA cost?
| Plan name |
Medical maximum |
Deductible |
Cost * |
| Safe Travels Advantage |
$25,000 |
$0 |
$30 |
| Visitors Care |
$25,000 |
$100 |
$30 |
| Safe Travels Elite |
$25,000 |
$0 |
$37 |
| Visit USA Budget |
$50,000 |
$250 |
$43 |
| Patriot America Lite |
$50,000 |
$250 |
$118 |
| Visitors Preferred |
$50,000 |
$250 |
$127 |
| Safe Travels USA |
$50,000 |
$250 |
$127 |
| Patriot America Plus |
$50,000 |
$250 |
$130 |
| Atlas America |
$50,000 |
$250 |
$131 |
| Safe Travels USA Comprehensive |
$50,000 |
$250 |
$148 |
| Diplomat America |
$50,000 |
$250 |
$182 |
* The cost of the best health insurance for parents visiting USA is based on quotes for a 50 year old person for a one-month trip. Source: AMERICAN VISITOR INSURANCE®
I need the best health Insurance for my parents visiting USA with pre-existing ailments?
If pre-existing medical conditions is a top concern for you when insuring your visiting parents, then you should consider one of three best US travel health insurance for parents with pre-existing health ailments on American Visitor Insurance that actually covers any emergency whether due to something new or due to a pre-existing condition. The policies are: Visitors Protect by IMG, or Premier X or Elite X from INF. The Elite plan and the Visitors Protect plans are comprehensive which make them fairly complete. The Visitors Protect plan is a 25/75 plan meaning that after the deductible, they pay 75% and you would pay 25% of medical expenses. The Elite plan is a 20/80 plan, or you can opt for the Elite 90 plan which is a 10/90 plan.
The third plan is a fixed plan offered by INF. A fixed plan or limited plan has caps on what it pays out for each medical expense, so it may not pay 100% of any bill (and it does not cover a percentage like the comprehensive plans). The definition of pre-existing conditions and how they cover is unique to these plans. Firstly, if a condition is VERY stable (has had no flare up nor change in medication 12 months before the start of the plan), then the policy covers it like any other condition (at the maximum and deductible you chose). If there HAS been a flare up or change in the past year, then it is still covered, but it will be subject to a higher deductible and a lower maximum (on the fixed plan, you choose these). Please call us if you have any questions or need assistance at (877)-340-7910.
You can compare cost and some benefits for Visitors Protect, Premier X and Elite X plans in below table. Minimum Enrolment should be 90 days to buy these three plans.
* Visitors Protect cost based on $50,000 medical maximum, $500 deductible for 65 years old traveler, for 3 months.
* INF Premier X plans cost based on $100,000 medical maximum, $500 deductible for 65 years old traveler, for 3 months.
* INF Elite X plans cost based on $150,000 medical maximum, $500 deductible for 65 years old traveler, for 3 months.
Why is travel health insurance essential for Indian travelers visiting the USA?
Traveling overseas needs good planning for the international journey. It is very important for Indian travelers to buy travel health insurance while travelling outside India. Travel insurance coverage will provide protection towards unanticipated sudden illness or accidents. While traveling to the US in particular, international travelers should have good visitors insurance coverage given the very high cost of US healthcare for a safe and stress free trip. The Indian domestic health insurance invariably provides little or no coverage outside India.
A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US reducing stress with paperwork and getting reimbursement later.
What are the entry requirements for visitor insurance USA from India?
- Visa requirements: Travelers from India to the U.S check the specific visa requirements for the visit. The type of visa required depends on the purpose of travel, such as tourism, business, work, or study.
- Visa Application Process: For individuals requiring a visa, the application process involves submitting the necessary documents, attending a visa interview, and meeting specific eligibility criteria. The process can vary based on the type of visa.
- ESTA for Short Visits: For short visits (up to 90 days) for tourism or business purposes, Indian citizens may be eligible to apply for an Electronic System for Travel Authorization (ESTA) instead of a visa. This applies if traveling under the Visa Waiver Program (VWP).
What documents are needed while traveling to USA from India?
If you are traveling to the USA from India, you will need the following documents:
- Valid Passport: At least six months' validity beyond your planned stay.
- Valid Visa: Appropriate visa for your visit (e.g., B-2 for tourism, B-1 for business).
- DS-160 Form Confirmation: Confirmation page of the Nonimmigrant Visa Application form.
- Visa Appointment Confirmation: Confirmation of your visa appointment and fee receipt.
- Photograph: Recent passport-sized photograph meeting U.S. visa requirements.
- Travel Itinerary: Details of your travel plans and accommodation.
- Return or Onward Ticket: Proof of a return or onward journey.
- Proof of Funds: Evidence of sufficient funds to cover your stay.
- Employment or School Documents: Proof of employment or enrollment in India.
- Invitation Letter: If visiting family or friends (optional but helpful).
- Travel Insurance: Recommended for covering unexpected medical expenses or trip interruptions.
What is the procedure of extending the visitor visa for Indians while in the US?
Sometimes Indian travelers to the US need to extend their stay in the country. These travelers have to extend or renew their visa status in order to stay for longer durations in the US. The following is the procedure to extend the US short term visa:
- The Indian tourist should complete the I-539 form for extension of a Non-Immigrant Visa
- The Indian tourist should submit a letter stating the reason with detailed explanation for extension.
- The Indian tourist should submit a copy of form I-94 that that he/she received on entry into the US
- The Indian tourist should provide documentary evidence that the extended stay is temporary along with the booked return tickets
- The Indian tourist should provide proof that the stay is completely taken care and he/she are financially covered and will not be a public charge in the United States.
- The Indian tourist should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.
Pay the required renewal fees
Pay $370 filling fees +$85 for biometric fees depending on the petition at the USCIS.
Visa extension processing
The USCIS will issue a receipt with 13-digit case number on submission of the extension application. The Indian tourist should provide this case number to check the status of the application and its processing times (customer service number helpline number is: 1-800-375-5283).
What are the different USA visa health insurance?
flight
B1 visa insurance
USA B1 visa health Insurance for temporary business visitor.
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B2 visa insurance
US B2 visitors visa health insurance for tourists.
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F2 visa insurance
F2 visa medical insurance for dependents of F1 visa.
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school
F1 visa insurance
F1 visa health insurance for international students in USA.
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school
J1 visa insurance
J1 visa insurance for exchange scholars in educational/cultural exchange programs.
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Green card insurance
Travel Health insurance for US Green card holders.
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K1 visa insurance
Health insurance for fiancé(e) who marry U.S. citizens.
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luggage
H1B visa insurance
H1B visa insurance for skilled foreign workers in specialty occupations.
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Travel insurance
Travel insurance for tourists in USA, tourist insurance USA.
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H4 visa insurance
H4 visa insurance for dependents of H-1B, H-1C, H-2A, H-2B, and H-3 visa holders.
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Best travel insurance with pre existing conditions from India to USA
Which pre-existing conditions are covered by US travel insurance?
How does travel insurance for pre-existing conditions work?
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.
How do I know if my pre-existing condition is covered by travel insurance?
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.
Travel Insurance - Pre-existing conditions coverage
Compare and buy best pre-existing plans
Is $50,000 enough for travel insurance to USA?
For minor illness or injury, $50,000 might be enough coverage. However, if you are concerned about an (albeit unlikely) stay at a hospital, those expenses can run up quickly beyond $100,000 in a few days. When asked, I typically recommend at least $100,000 maximum. If a person is at risk for multiple fractures or a longer hospital stay (they are older, perhaps?), then I would go as high as I could. Often, the age of the insured will limit the maximum allowed.
The cheapest $50,000 travel insurance with deductible $250 for 65 years old traveler is Safe Travels USA whose cost starts from $160 per month, then is the Patriot America Plus insurance cost starting from $173 per month while Atlas America insurance can cost $206 per month.
How do you handle international travel medical insurance for pre-existing chronic conditions?
Visitor travel health insurance plans never cover regular, required medical care for a chronic condition. For example, if a traveler takes medication regularly or requires treatment like dialysis, those things will have to be paid for out of pocket by the traveler and should be calculated into the cost of their trip.
If medications are lost or stolen and need to be replace, that will require a doctor visit to get a prescription and then the purchase at the pharmacy all of which would have to be paid for by the insured. If the concern is for a sudden, unexpected flare up with a chronic, pre-existing condition, then there are a few plans which will cover that, but they are quite expensive and must be purchased for at least 90 days. Note also, that those plans also must be purchased BEFORE the travel begins and cover only travel to the US (some include Canada and Mexico).
What are the different types of US visitors travel insurance?
Fixed Benefit travel insurance
A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits.
Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Comprehensive travel insurance
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Best International travel insurance for Indian Citizens
The Dream of America- US offers to provide great economic chances and has been a desirable country to live with more opportunities to make a dream come true with ambitions converting into reality for many all over the globe!
Migration from India to America began as early as 1820 and since the 1990's the Indian immigration to the USA has become the largest population in the world with over 2 million Indians residing in the US.
The United States of America is the leader in research, science and technology ,IT Companies and innovation in the world and if you want to be in the lead then there is no better place than the US to be in.
Each year thousands of Indians migrate to the US for employment and for a new start of life. All those who have a new idea in their expertise and hardwork are always admired and have many chances to broaden the work experience and progress in the career.
A large group of temporary high-skilled workers with H-1B visas and many other work visas are in the US. More than 50% of Indian immigrants to the US gain Green Cards through employment.
Recently the Trump Administration broadcasted few exceptions for H-1B and L-1visa holders in IT professional and healthcare sector workers who are continuing their employment with the same employer. With all these changes going on with the Visa process Indians who are planning to immigrate to the US can only anticipate that the Indian professionals will continue to be received the same way as before.
While travelling to the US will be exciting, one should always keep in mind the challenges that are faced by an international traveler during the coronavirus pandemic. It is better to have all safety measures like international travel insurance and follow the guidelines provided by WHO for safe travel.
Best US visitors insurance »
H-1B visa is issued to non-immigrant temporary foreign workers to the U.S. in a specialty occupation which requires technical and theoretical skill. The US companies hire high skilled workers from India who add value to employers and contribute to the US economy. The H1B visa had been a steady option for Indian professionals in the US for many years until the Trump's administration made it difficult to get and renew.
In the first three quarters of the financial year 2019 H1-B petitions to continue work with the existing employer have more restrictions and the denial rate was at 24% when compared to the year 2015 which was 6%. On January 20th, 2021 Indians in the US received some relief regarding the H1-b visa status when the 46th president Joseph Robinette Biden Jr. who was sworn in as the new president of the United States. He proposed changes in the immigration policy that will simplify the Green card process and has promised to make it more convenient for H1B and H4 visa holders.
The visa caps which were placed by the Trump administration will now be relieved for Indian professionals with PhD in Technology, Science, Engineering and Mathematics (STEM). He also proposed to reverse the cancellation of work authorization for H4 visa holders, spouses of H1-B visa holders. There are thousands of Indians who are in the US waiting to renew their visa status and many more who are hoping to work in the US with H1-B visas. While planning to work in the US it is also essential to travel safe. Health care in the United States is very expensive; it is important to have adequate travel insurance to be stress free.
A travel insurance cover will protect you with coverage for all unforeseen travel and medical emergencies that may occur during one’s stay in the US. We work with some of the best travel insurance providers in the US like Trawick international, International Medical Group (IMG), WorldTrips, Seven Corners, INF and Global Underwriters who can provide the best coverage for one’s requirements.
Best health insurance for H1B and H4 visa holders »
Aspiring to study abroad, outside of one’s home country is the dream for most students. The United States is one among the popular and most preferred destinations for international students around the world.
While you are away from home knowing to live by yourself often tends to overlook that becoming sick is stressful. Away from family with no proper care it’s very difficult to go through sickness. International student insurance becomes very essential while studying overseas. Most US universities offer insurance covers or it’s mandatory to have an insurance cover to enroll into the university. Having student medical insurance becomes very essential in these difficult times.
At American visitor insurance there are various international student's medical insurance plans which are affordable and comparable to University plans. Students can compare the international student insurance plans according to your needs and make an informed decision.
Best health insurance for Indian students in USA »
Most Indian Software engineers aspire to move to the US and live the American dream for better opportunities of life. During the 1990's there was huge growth and evolution for software employees where many IT professionals migrated to the US on H1-B visas. The typical Indian in the US is said to have higher education degrees along with Chinese than other foreign born population in the United States. 80% of the population among first generation Indians in America are with an H1-B visa.
The Indian working in the software engineering sectors in the US were living the American dream till recently when restrictions were placed on the H1-B visa. With more restricted immigration policies placed by the Trump administration it became difficult for IT workers to get green cards or extend their H1B visa. This brought about fear among all software employees who work in the US which made the young Indian engineers look at Canada as an attractive substitute location for a better career option. Since then Canada has had an increase of 105% in Indian migration according to (NFAP) National Foundation for American Policy analysis of Immigration, Refugees and Citizenship Canada data.
Some good news arrived for the Indians in the US with the 46th president Joseph Robinette Biden Jr. who was sworn in as the new president of the United States on January 20th, 2021 who proposed some positive changes in the immigration policy that will simplify the Green card process . He also proposed to reverse the cancelation of work authorization for H4 visa holders, spouses of H1-B visa holders.
President Joe Biden fought against the denial of H1-B visa in the court and on 3rd February 2021 the United States Citizenship and immigration Services (USCIS) cleared the theory on denial of visa for Computer programmers that they can easily apply for an H1-B visa as they won’t be entitled to denial.
While many software employees are still in the US combating to overcome the situation on the immigration status it is vital that you have good visitors insurance cover that will provide you coverage for any unforeseen medical emergency that you may come across while you stay in the US. We work with some of the finest US insurance providers who offer best visitor insurance with good coverage in the USA. You can get an instant travel medical insurance policy on our website or you can call us for further assistance and one of our licensed agents will help you.
US visitor insurance from India »
There has been a long history where Indian professionals migrate to the US and their families and relatives would follow them and a community is formed in the United States. The US has been an aspiring destination for the people of India for many decades now. It has been seen as an Indian culture and mentality that when any of the relatives is settled in the USA a plan would be made to pay a visit to them in the US.
A relative of an Indian professional who wants to visit them in the US can do so by getting a tourist visa. Travelling to the US might be very thrilling but one must be prepared for all unforeseen circumstances that may arise during the trip. You cannot avoid the medical emergency that may occur but you can be prepared for it by getting a best visitor insurance cover, which will provide you with coverage for any medical or travel emergency that may occur during your stay in the US.
American Visitor Insurance aims to provide travelers with the cheapest international health insurance with the best coverage for all their needs. For further assistance contact us by email or phone at any time and one of our agents will assist you.
Visitors health insurance USA from India »
The cultural and social bonding between India and the US is becoming more robust and deeper as each year is passing by. In the year 2018 about 1.4 million Indian tourists visited America.India has become one among the top most countries to provide tourism to the United States of America. Christopher Thompson, CEO of Brand USA told in an interview that India is the fifth largest foreign exchange generator at 15.8 billion USD after China at 36.4 billion USD. Many Indians visit their friends and relatives in the US each year and it has become the strongest market for travel destinations.
In 2016 the immigration policies and visa process were tougher under the Trump Administration however it had no impact on the tourism until the Covid19 pandemic. While you are travelling it is of utmost importance that you are safe and stress free. Travelling to the US is very exciting but if you had to face any injury or illness during your travel you will land up with a huge medical bill, unless you have good visitor insurance coverage. Healthcare system in the US is one among the world’s best systems but it is also very expensive. Treatment for a small injury might cost you a lot of money and leave you in a financial loss .Travel visitor insurance will cover you for all unforeseen medical emergencies that may occur during your journey.
You can get travel health insurance in the USA by various networks. The simplest and fastest way is buying insurance cover online. By answering a few questionnaires you can get various quotations and instant insurance cover certificates. American visitor insurance displays the best visitors travel insurance coverage plans which you can compare among all the US insurance providers based on your requirements and make an informed decision. For any assistance you can call us or email us and we will be glad to help you.
Best visitors insurance USA »
There are nearly 25 million Non Resident Indians (NRI) worldwide making the Indian diaspora one of the largest in the world. The Indian diaspora has its origins in the 19th century when Indians were taken to different corners of the globe by the British as bonded labor. These countries literally spanned the globe from Guyana in South America, Trinidad and Tobago in the Caribbean, South Africa and many countries in East Africa, Malaysia and Singapore in South East Asia to Fiji in the Oceania region, naming just some of the many countries with significant people of Indian origin.
More recently in the latter half of the 20th and in the 21st Century, Indians are choosing to study and work in many advanced economies like the United States, Canada, the UK, Europe,Singapore, Australia and New Zealand. This has resulted in a large, diverse and vibrant Indian NRI community. The NRIs while successful in their current country of residence, have retained their roots with India.
This has resulted in frequent travel to and from India from all corners of the globe. NRIs while traveling outside their home country should realize that they need proper travel health insurance, this includes while visiting India. NRIs can buy good NRI travel insurance offered by American Visitor Insurance which is ideal for travelers while outside their home country.
Travel insurance for NRIs traveling overseas
The first surge of Indian immigrants started in the early 19th century with settling in smaller communities on the West Coast. Gradually the small number grew larger with new opportunities in the middle of the 20th century. The existence remained fairly small who worked mainly in agriculture, railways and plumbing. The Immigration and Nationality Act made way for the entry of non-Europeans by removing quotas for national origin.
Temporary visas for highly skilled workers, educational exchange programs and expanded employment immigration options unlocked pathways for highly skilled educated Indian immigrants along with them came many families. From 1980 to 2019 the population of the Indian immigrants increased in the United States. Liberalization and privatization brought a huge significance in the trend of migrators from India to the US.
In the 21st century the growth of the Information Technology industry in India made way for many software professionals to migrate to the US for better prospects for careers. Large number of students migrated to the United States to pursue higher education. Indian immigrants have grown to become one among the richest civilizations in America. They are highly educated working in management positions with higher incomes.
In the United States most Indians have obtained permanent residence green cards. The Indian immigrants today are the second largest immigrant group in the country which accounts for up to 6% of the US foreign born population. Indians have graduated in all fields from entertainment to politics. The announcement by the 46th US president Joe Biden of his vice president candidate being Kamala Harris of Indian origin, and on winning the presidency selecting 20 Indian Americans for key roles in his administration is a great milestone for this community.
US immigrant insurance »
How do Biden's immigration reforms impact Indian professionals in the US?
Joseph Robinette Biden Jr. was sworn in as the 46th president of the United States on January 20th, 2021 after the tumultuous Donald Trump presidency. President Joseph Biden with Kamala Harris as his vice-president who is of Indian origin has proposed many immigration policy changes, many of which is excellent news for Indians in the US.
President Biden has proposed immigration policy changes that will ease the Green Card process and time to citizenship by applicants. Biden has also proposed to reverse the revocation of work authorization for spouses of H1-B visa holders who are on the H4 visa. Indians are going to benefit hugely from these immigration policy changes. In 2020 the Green card backlog for employment-based immigration which consisted of 68% Indians crossed 1.2 million mark {Data from United States Citizenship and Immigration Services (USCIS)}.
The proposed US Immigration Bill will also bring other changes to the existing format. Indian professionals who have received their PhD in Science, Technology, Engineering or Mathematics (STEM) will be exempt from visa caps. Some of the changes might be delayed in implementation because they need a change in the laws.
What is the impact of the Indian Immigrants in the USA?
The number of Indian immigrants in the United States has been increasing over the years. According to a report by the Migration Policy Institute, as of 2023, there are approximately 2.9 million immigrants of Indian origin living in the US. This is excluding the second generation of Indian-Americans born in the US.
The Indian diaspora comprises approximately 5.4 million individuals residing in the United States, who were either born in India or reported Indian ancestry or origin. Indian Americans make up approximately 1. 6% of the US population and are the largest group of Asian-alone group in the United States. States like California, Texas, New York, and New Jersey host the largest numbers of Indian immigrants.
There is a large community of Indian residents in the United States. Many Indian citizens have taken US citizenship. In 2017 alone around 60 thousand Indian citizens became naturalized US citizens. This vibrant community of US residents of Indian origin is a strong bridge between the US and the India, which retains strong ties with family members in both countries. As a consequence, there are is a lot of regular travel between the two countries. Given the very high cost of health care in the United States, it is very important for visitors to the US to have good travel health insurance while visiting the US.
Best US health insurance for new immigrants »
US health insurance for new immigrants
Hi,
Please can you let me know what insurance would cover me under Trumps proclamation that new immigrants need health insurance.
Thank you,
Peter
Dear Peter,
There are no specific requirements for the insurance. Therefore, you can purchase ANY visitor plan that we offer to meet these criteria. Of course, we would suggest a plan which covers COVID and is a comprehensive plan, but this is only a recommendation.
You can search best US new immigrant insurance. Note that you will enter your foreign address as your "residence" address and most companies will NOT allow you to renew after you have your green card IN HAND. Until then, you can use any visitor plan we offer.
Sincerely,
www.americanvisitorinsurance.com
(877) 340 7910
Travel insurance for USA visitors from India FAQ’s
When traveling to the US, there are different types of travel insurance from India to USA you can consider, depending on your specific needs and the nature of your trip. US insurance providers on American Visitor Insurance offer different types of insurance for different visas for different purposes, such as tourism, business, employment, study, and family reunification. When traveling to the US on any of these visas, having the best international health insurance for Indian citizens is strongly recommended due to the high cost of healthcare in the U.S.
Some visa types like the J1 visa requires the visa holder to have mandatory health insurance while most other do not. It's important to ensure that the chosen insurance plan complies with any visa-specific requirements and provides adequate coverage for potential medical expenses during your stay in the U.S. Keep in mind that U.S. immigration policies may change, so it is crucial to check the latest information and requirements on the official US government website when planning to apply for a U.S. visa.
Health insurance for visitors to USA from India policies vary widely, and while they provide coverage for many situations. It is therefore important to compare plans on American Visitor Insurance to understand what the insurance for visitors in usa from india covers. Travel insurance typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.
Common Inclusions in travel insurance:
- Emergency Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
- Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
- Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
- Emergency Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.
Common Exclusions in travel insurance:
- Pre-existing Conditions: Many policies exclude coverage for pre-existing medical conditions unless specified otherwise.
- High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
- Unforeseen Circumstances: Some policies have specific criteria for what is considered an "unforeseen circumstance" leading to trip cancellation or interruption.
- War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
- Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
- Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.
The optimal time to buy travel insurance for Indian visitors to usa is as soon as the travel dates are confirmed. Buying indian travel insurance for usa depends on factors, including the type of coverage you need, the nature of your trip, and the specific terms of the insurance policy. Buying best travel insurance for indian visitors to usa early, shortly after booking your trip, is strongly advisable. This ensures that you have coverage for unforeseen events that might occur before your departure. Early purchase may also provide coverage for trip cancellation or interruption due to covered reasons. Some us medical insurance for visitors from india have waiting periods or exclusions for pre-existing conditions, and coverage is often more comprehensive when purchased early. The optimal time to purchase travel insurance can vary based on the provider and the specific policy terms.
Healthcare in the United States is very expensive, and it is important to have good travel health insurance mainly to cover any unanticipated health care costs. Visitor or travel medical insurance for Indians is for unexpected medical expenses while on their trip and since they are for use in an emergency, one can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely reduce your out-of-pocket cost.
While most Indian travelers in US insurance plans do not cover pre-existing conditions, some US health insurance for Indian visitors to USA cover acute onset of pre-existing conditions. INF insurance is the one provider who offers travel insurance with coverage for pre-existing conditions.
Any pre-existing medical condition is something that the Indian traveler has before or when he/she buys the travel insurance plan. The pre-existing condition can be an illness or any injury. Some other examples of pre-existing conditions are cancer, diabetes or asthma/respiratory issues.
Most travel insurance for Indians will consider blood pressure as a pre-existing condition for travel insurance. However the INF insurance offer travel insurance that covers pre-existing conditions ranging including Blood pressure. The INF Premier & INF Elite travel insurance for preexisting conditions are two INF plans with coverage for blood pressure.
Travel insurance is not mandatory for US tourist visa holders. However, it is highly advisable to purchase travel insurance before traveling to the USA. The cost of healthcare in the USA is very high, and having travel insurance can help you avoid unexpected medical expenses.
The medical insurance for visitors to usa from india cost can vary widely based on several factors, including:
- Coverage Limits: The maximum coverage amount, often referred to as the policy maximum, influences the cost. Higher coverage limits generally result in higher premiums.
- Coverage Type: The extent of coverage, including benefits for medical expenses, emergency evacuation, trip interruption, and other features, affects the cost.
- Policy Duration: The length of coverage, whether for a short trip or an extended stay, will impact the overall cost.
- Age of the Insured: The age of the person seeking coverage is a significant factor. Older individuals may pay higher premiums.
- Pre-Existing Conditions: Some policies may offer coverage for pre-existing conditions, and this can affect the premium. However, coverage for pre-existing conditions may have limitations.
- Deductible Amount: The deductible is the amount the insured must pay before the insurance coverage kicks in. Higher deductibles may result in lower premiums.
- Add-Ons and Optional Coverage’s: Additional coverage’s, such as coverage for adventure sports or additional benefits, can increase the overall cost.
It is recommended to buy the best American health insurance for visitors to USA from India on American Visitor Insurance as opposed to buying travel insurance in India since US hospitals work with US insurance providers and it is easier for direct billing. In fact, going beyond the travel health insurance coverage, simply having US travel insurance with US PPO networks, significantly reduce the hospital bills in the USA.
Yes, you can travel to the USA without travel insurance as it is not mandatory. However, it is highly recommended due to the high medical costs in the USA. Travel insurance provides coverage for medical emergencies, trip cancellations, delays, lost baggage, and accidents, offering financial protection and peace of mind for various unforeseen events.
Indian health insurance plans do not provide coverage in the USA. Most Indian insurers offer limited or no coverage for medical expenses incurred abroad. If you're traveling to the US, it’s recommended to buy a US-based travel insurance plan designed for international coverage to ensure comprehensive medical coverage.
When traveling to the USA, it’s recommended to have at least $100,000 in medical coverage because healthcare costs can be extremely high. It is also important to have emergency medical evacuation coverage at least $500,000(ideally $1 million), as evacuations can be very costly. If you have pre-existing health conditions, choose a plan that covers acute onset of those conditions, usually up to $20,000 to $50,000. While it is not mandatory, it’s also wise to consider coverage for trip interruption or cancellation, typically up to $5,000, and lost baggage, usually up to $500 to $1,000. For longer stays (over 3 months), you should look for a plan with higher coverage between $250,000 to $500,000. Please feel free to call us at (877)-340-7910 if you have any questions or need assistance.
Yes, you can buy health insurance for a B1/B2 visa (tourist/business visa) to the USA as an Indian traveler. It’s highly recommended due to the high healthcare cost in the US. Most travel health insurance for USA plans for B1/B2 visa holders are designed to cover emergency medical situations, hospital stays, doctor visits, and medical evacuation while you're in the country.
As a part of the visa application process, US consulates often require proof of travel health insurance when applying for a visa, with coverage of at least $50,000 to $100,000 in medical expenses. In some cases, emergency evacuation coverage may also be required.
Yes, you can buy travel insurance from both India and the US for the same trip. However, it's important to understand how the benefits will work together if you need to file a claim. While purchasing travel insurance from India is an option, it is generally recommended to buy US visitor insurance for US trips. US-based plans are well-recognized by hospitals, offer smoother claims processes, and provide more seamless coverage in the US.
- Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
- Compare the cost of USA insurance for tourists and review the benefits to identify what fits your needs best.
- Buy travel insurance for visitors in USA from India now that fits your needs and budget best by using a credit card and completing the online application. You can contact American Visitor Insurance, we are open 24 hours, 7 days a week with customer support staff in different time zones of the country.
- Review the travel insurance documents received by email closely for coverage details and relevant contact numbers
American travel insurance reviews
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Embassy of India in United States
Indian Embassy in Washington
location_on 2107, Massachusetts Avenue, NW, 20008, Washington, USA
email Email
amb.washington@mea.gov.in
hoc.washington@mea.gov.in
India Consulate in Texas
location_on 4300 Scotland Street, 77007, Houston, Texas, United States
email Email
cgi-hou@swbell.net
Embassy of US in India
US Embassy, New Delhi
location_on Shantipath, Chanakyapuri New Delhi - 110021
fax Fax
011-91-11-2419-0017
U.S. Consulate General Chennai
location_on Gemini Circle Chennai 600 006
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