Best travel insurance from Nepal to USA
The USA is a vibrant country with diverse culture, natural wonders, great career options and one among the most aspiring countries for Nepal citizens. The first immigration of the Nepalians was after World War II who were mostly political emigrants..
People from Nepal travel to the USA for various reasons. The USA is a diverse and captivating country that offers a multitude of opportunities and experiences for travelers. From iconic landmarks like the Statue of Liberty and the Grand Canyon to vibrant cities, cultural diversity, renowned educational institutions, and economic prospects, the USA attracts Nepalians seeking tourism, education, business, family reunions, medical treatment, cultural exchange, and adventure. The country's vast landscapes, bustling metropolises, and rich cultural heritage make it an enticing destination for Nepalians looking to explore, learn, and create memorable experiences.
Over the years since then there were several Nepalians who migrated to the US. There are approximately 203,600 Americans with Nepalian descent in the US. Nepal and the US have a strong and friendly relationship between each other. Thus several Nepal citizens travel to the US for vacation, work and to meet family. Summer would be an ideal time for tourists to visit the US.
USA - General Information
Capital
Washington, D.C.
Language
English
Currency
US Dollar
Population
Around 340 million
Best time to visit
During Spring or Autumn
Location
North America
Vacation spots
New York, San Francisco, Los Angeles, Las Vegas, New Orleans, Chicago, Orlando, Washington D.C.
Popular travel destinations in the USA
US Territories
U.S Virgin Islands
The U.S. Virgin Islands are a popular tourist destination, known for their beautiful beaches, crystal-clear waters, lush rainforests, and rich history.
American Samoa
Popular for its marine biodiversity, beaches, breathtaking pristine sights. It has evolved as one of the most famous and affordable travel destinations for US citizens.
Guam
Guam is a country with night markets of Chamorro Village, World War monuments, attractive churches, and magnificent Pagat caves attract millions of travelers to the country.
Puerto Rico
Puerto Rico is known for its beaches, forests, skies, architecture, and culture. Old San Juan is one of the most iconic and treasured places in Puerto Rico.
USA travel insurance coverage highlights
What does Travel Medical Insurance cover?
Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitors medical insurance to review specific coverage details offered by the different companies and insurance plans.
Medical coverage for accidents and emergency medical ailments
The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best health insurance for tourists in USA medical varies based on the tourist health insurance USA plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.
Doctors visit
This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the chosen health insurance for USA travel, travelers do have the option of No Co-pay and $0 deductible.
Pharmacy drugs
Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.
Visitors medical insurance coverage for pre-existing conditions
A pre-existing condition is a medical ailment that existed before the start of the us holiday insurance for visitors coverage. Conditions that are considered as pre- existing diseases include ailments like Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. It is difficult to find health insurance for tourists in USA that covers pre-existing conditions.Only some tourist health insurance cover pre-existing conditions with INF being one company that offers greater coverage for pre-existing ailments. INF visitor insurance in USA with pre-existing conditions coverage insures in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. This includes pre-existing conditions ranging from blood pressure, diabetes, kidney complications to arthritis and are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions before actually buying the travelers insurance.
Surgery
Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.
Medical Evacuation
Provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
Repatriation of remains
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the tourist health insurance chosen, one can get repatriation coverage up to $50,000.
Emergency dental coverage
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.
Visitor medical insurance while visiting USA
Visitor medical insurance is a short-term health insurance that provides medical coverage for illness and injury during travel or stay in the USA. It is a mandated type of coverage for foreign nationals who come to the USA temporarily, for any reason, business or personal. It can offer protection from accidental injury or sickness that can arise during the stay in the host country.
It can also provide financial protection in the event of an unexpected medical emergency while visiting the USA. The cost of visitor medical insurance varies depending on criteria such as the insured’s age and health needs, as well as the length of the trip to the USA. The typical cost of visitor medical insurance is between $200 and $400. It is easy to find the best visitor medical insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
Importance of holiday insurance USA
Expensive US Healthcare: The United States has perhaps the best healthcare facilities in the world, but it is also perhaps the most expensive globally. The cost of an average daily hospital stay is over $2500 in the US. Even outpatient doctor visits are prohibitively expensive. It is financially very traumatic when a visitor travelling for a short visit to the US has to pay a huge bill in case of an unforeseen injury or illness.
Therefore it’s important to buy the best US travel health insurance, so that any sudden injury or illness expenses are covered by the visitors medical insurance. US travel insurance along insuring medical expenses of travelers will also reduce the medical expenses, as US travel insurance providers through their preferred provider organizations (PPO) network have a working relationship with hospitals which result in lower healthcare bills.
Protection for entire family: US travel medical insurance can be either purchased individually, or for an entire family if traveling together. Any illness or injury faced by the insured family members will be covered during the trip.
A support system for travelers in a new country: Traveling to a new destination like the US can be very stressful as the healthcare system will be different from your home country. If there is a need for medical assistance in the US, a new visitor may find it hard to approach a hospital and a doctor. Having US travel health insurance will act as a support system as the insurance providers have tie-ups with various Preferred Provider Organizations (PPO) who have networks with many hospitals and doctors in the US.
Ease of navigating US healthcare facilities: The hospitals in the PPO network of the US travel insurance will bill the insurance company directly so that travelers need not worry about paperwork and about paying the bill up front. In case of any emergency visitors can refer to the list of hospitals with the PPO network and get help from the nearest medical care center. Travel insurance for USA will help you make the most of the trip and explore new destinations without the worry of your health related expenses.
Student medical insurance from Nepal to the US
The United States of America has always been attracting brilliant students across the globe for decades. It has long been the most preferred study destination for millions of international students. Despite the geographic distance, it is no surprise the number of Nepali students studying in the USA reached a record high of over 15,000 in the academic year, reflecting a 27.9% increase from the previous year.
The student insurance on American Visitor insurance are much cheaper than most University insurance plans. Health insurance for students from Nepal offer coverage for pre-existing conditions and coverage for injuries from sports. International Students on Optional Practical Training (OPT) status and not taking any courses can buy OPT student insurance that we offer.
Know more »Factors to consider while traveling to USA from Nepal
Traveling from Nepal to the USA involves several important considerations to ensure a smooth and enjoyable trip. Here are some factors to keep in mind:
Entry Requirements:: Ensure you have a valid passport with at least six months validity beyond your intended stay in the USA. Obtain the appropriate visa for your purpose of travel, whether it's a tourist visa (B-2), student visa (F-1), or other visa category.
Currency and Finances: Exchange Nepalese Rupees for US Dollars before traveling to the USA or use ATMs to withdraw cash upon arrival. Notify your bank of your travel plans to avoid any issues with using your credit or debit cards abroad.
Language: The official language of Nepal is Nepali. It is also known as "Nepalese" or "Gorkhali" and is spoken by the majority of the population in Nepal. Nepali is an Indo-Aryan language and belongs to the Indo-European language family.While English is the predominant language spoken in the USA. English is widely understood and used in most tourist destinations, airports, hotels, and popular attractions. However, it can still be helpful to carry a phrasebook or translation app to assist with communication.
Security Situation: It is important to note that the security situation in Nepal can be unpredictable, and it is advisable to stay informed about the current conditions before planning a trip. It is recommended to review travel advisories issued by the U.S. Department of State and follow their guidance.
Health and Safety: Consider getting vaccinated and consult with your healthcare provider for any recommended vaccinations before traveling to the USA. Purchase travel health insurance to cover medical expenses, emergency evacuation, and repatriation during your trip.
Climate:Nepal has a diverse climate, ranging from Mediterranean in the north to desert in the south. The coastal regions have mild, wet winters and hot, dry summers. The Sahara Desert experiences extreme temperature variations, with scorching daytime heat and cooler nights.
Travel Itinerary: Plan your travel itinerary in advance, including transportation, accommodation, and activities. Book flights, hotels, and other accommodations well in advance to secure the best deals and availability. Consider any domestic travel within the USA, such as flights or road trips, and make arrangements accordingly.
Flights: Several airlines offer direct and connecting flights from major Nepali cities like Kathmandu to various US destinations. Consider factors like travel time, cost, and airline reputation when booking your flights.
Mobile Roaming: Check with your Nepali mobile service provider about international roaming charges in the US. Alternatively, consider purchasing a local SIM card upon arrival for more affordable calling and data options.
By considering these factors and planning ahead, you can ensure a memorable and hassle-free adventure from Nepal to the USA. Embrace the cultural differences, explore the diverse landscapes, and create lasting memories on your American journey!
Click here to know more »Travel insurance for acute onset of pre-existing conditions
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.
Pre-existing conditions coverage - FAQ's
01. 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. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
Travel Insurance - Pre-existing conditions coverage
Compare and buy best pre-existing plans
Travel Insurance USA, Travel insurance in USA for foreigners - FAQ's
1. Why do I need travel insurance when visiting the USA?
Travel insurance is important when visiting the USA to provide coverage for unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, and travel delays. Medical expenses in the USA can be very high, and having travel insurance helps protect you financially.
2. What is the best insurance for travel to USA?
There are many US Travel insurance plans available for visitors in the online health insurance marketplace. They are mainly classified broadly as Fixed plans and Comprehensive plans. The best US tourist health insurance varies based on the unique needs of diverse travelers with several plans working well in different situations. Amongst the popular travel insurance in USA for visitors are Patriot America by IMG, Atlas Travel from World Trips , Safe Travels USA Comprehensive from Trawick International, Travel Medical Choice plan from Seven Corners
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
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3. What are the medical emergencies that visitor insurance from Nepal to the US covers?
The common medical emergencies that are covered by tourist insurance to the USA from Nepal typically include:
- Emergency medical expenses due to accidents or sickness, including in-patient and out-patient care.
- Daily allowance for additional, everyday expenses during hospitalization.
- Compassionate visit expenses for family members to support the traveler during hospitalization.
- Personal accident coverage, offering a lump sum payout in case of death or permanent total disability.
- Trip delay and cancellation coverage, protecting against interruptions and delays.
These benefits vary depending on the specific plan and provider, so it is important to review the Nepalese tourist insurance for USA or talk with a licensed agent to understand the coverage and how it works.
4. Is travel insurance mandatory for Nepal citizens traveling to the USA?
Travel insurance is not mandatory for Nepal citizens traveling to the USA. However, it is highly recommended to have travel insurance to ensure financial protection and peace of mind during your trip.
5. How can i buy USA travel insurance online?
American Visitor Insurance offers a wide range of travel medical insurance plans for visitors to the USA designed by the top US travel insurance providers. Customers can compare different travel insurance plans offered by US insurance company on American Visitor Insurance. After comparing different plans, you can choose the one that best meets your needs and budget and buy the policy online by filling out an application and paying for the travel insurance USA using a credit card.
6. Can I use my regular health insurance in the USA?
It is important to check with your regular health insurance provider to understand if your policy covers medical expenses in the USA. Some health insurance plans may offer limited or no coverage for international travel. Even if your regular health insurance covers international travel, it may not provide coverage for trip cancellation, baggage loss, or other travel-related risks, which is where travel insurance can be beneficial.
7. Can I purchase travel insurance after I arrive in the USA?
It is generally recommended to purchase travel insurance before you start your trip. Most travel insurance policies require you to purchase coverage before you depart from your home country. It may be challenging to obtain coverage after you have already arrived in the USA.
8. How much does travel insurance for the USA cost?
The cost of travel insurance for the USA can vary depending on factors such as your age, duration of the trip, coverage limits, and the insurance provider you choose. It is advisable to obtain quotes from multiple insurance companies and compare coverage and prices to find a policy that suits your needs and budget.
9. Do I need to declare pre-existing medical conditions when purchasing travel insurance?
Yes, it is important to declare any pre-existing medical conditions when purchasing travel insurance. Some policies may offer coverage for pre-existing conditions, while others may have exclusions. Providing accurate and complete information about your health history ensures that you have appropriate coverage and helps avoid claim issues later on.
10. How do I make a claim with my travel insurance provider?
In the event of an incident covered by your travel insurance, you will need to contact your insurance provider as soon as possible. They will guide you through the claims process, which typically involves filling out a claim form, providing supporting documentation, and submitting the claim for review. It's important to keep all relevant receipts, medical records, and other documentation related to the incident.
11. What does travel medical insurance from Nepal to US cover?
Travel insurance for the USA typically includes coverage for emergency medical expenses, trip cancellation or interruption, baggage loss or delay, travel delays, and emergency medical evacuation. The specific coverage and limits may vary depending on the insurance provider and the policy you choose.
12. What is the coverage period for American traveler insurance?
The coverage period for holiday insurance to US varies depending on the specific plan and provider. However, most travel medical insurance plans offer coverage for a specific duration, typically ranging from 5 days to 365 days or even longer. It is important to carefully review the policy terms and conditions to understand the coverage period and any limitations or exclusions. Some trip insurance plans may also offer the option to extend coverage for an additional fee if the traveler's plans change or if they need to extend their stay in the USA. It is recommended to purchase traveler insurance for USA from Nepal as soon as possible before the trip to ensure coverage for any unexpected medical emergencies that may occur during the trip.
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USA visa health insurance, Visitor visa health insurance USA
United states embassy in Nepal
Embassy of United States in Kathmandu, Nepal
Maharajgunj, Kathmandu, Nepal
Phone Number
+977-1-423-4000
Fax Number
+977-1-400-7272
Travel health insurance for foreigners in USA
Best travel insurance for USA from Nepal - Information
Travel insurance for USA resources
International travel insurance resources for USA visa holders.
Factors for travel insurance USA online
Important factors while deciding on the best travel insurance to USA.
Types of USA travel insurance online
Different types of USA visa travel insurance options coverage.
USA travel insurance claims procedure
USA travel insurance claims process for medical care in a hospital.
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Popular US States visited by tourists and travelers
Popular US cities visited by tourists and travelers
Travel insurance to USA from Nepal links
Travel Insurance to USA Forum
Customer Queries for Nepal travelers to USA.
Click here to read more »Travel insurance for international travelers visiting USA
Annual Multi-trip insurance
Annual travel insurance for frequent travelers from Nepal to USA.
Know more »Group travel insurance
Group travel insurance for USA for five or more travelers on same itinerary.
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