Travel Insurance from USA to India
- There are many US travelers to India, a good number of whom have family or friends in the country.
- US travelers to India should buy the best travel insurance from USA to India given the risks involved in international travel.
- India’s healthcare infrastructure varies dramatically across the country.
- Most Indian metropolitan cities like Delhi, Mumbai, Bangalore and Chennai boast of excellent healthcare infrastructure, the same is not true outside the big cities.
Why U.S. Travelers Should Buy the Best Travel Insurance from USA to India?
- It is prudent to buy best travel insurance in India which can provide help in navigating through India’s healthcare infrastructure both in terms of identifying good healthcare as well as paying for it along with insuring trip costs and baggage loss or delay.
- When traveling from the US to India, obtaining comprehensive travel insurance is essential to safeguard yourself against unexpected situations.
- Trip cancellation Insurance covers: Trip cancellation, Trip interruption, Travel delay, Loss of luggage, Baggage delay
- Cancel for any reason is an additional benefit available which will refund 75% of the trip cost in case of trip cancellation if the traveler cancels the trip for any reason.
- These benefits are very useful for US travelers who are unsure of their travel schedules so that they do not have to lose their travel investment if they do not travel.
Do I Need Travel Insurance for India?
If you are a US traveler traveling to India, travel insurance for India is highly recommended. India is a beautiful country with an incredible culture: however, you never know what might happen when you travel. Travel insurance is an important purchase to make sure you are financially protected and comfortable on your trip to India.
- Medical Emergencies: Healthcare in India can be inexpensive for locals, but foreigners are charged for using a private hospital — which can be expensive. Travel insurance ensures that when you are sick, injured, or hospitalized unexpectedly, you will not have to pay out-of-pocket. Many plans include emergency medical evacuation in case you require specialized treatment in another location.
- Trip Delays and Cancelations: Due to India’s monsoon season and heavy flight scheduling, it may lead to delays, cancellations, or missed connections. Travel insurance reimburses expenses that cannot be refunded such as hotel accommodations and flights if you must interrupt or cancel your trip for a covered reason.
- Lost Baggage, or Passport Replacement: It can be stressful to have luggage or important documents lost while you are traveling. With travel insurance, you can obtain compensation for lost or delayed luggage and get help with passport replacement - allowing your trip to proceed smoothly.
- COVID-19 Related Coverage: Most India travel insurance for USA plans include COVID-19 related coverage in case of a positive test for the traveler and cancellation coverage for the trip. It is always best to check for this type of coverage if you plan on traveling outside of the US.
Travel Insurance for Green Card Holders Visiting to India
For U.S. Green Card holder traveling to India, buying US travel insurance is strongly recommended due to unexpected medical costs, trip disruptions, and emergency situations while outside the USA.
- 💵 Healthcare in India is expensive for international travelers.
- 🚑 There may be a need for emergency medical evacuation to reach a good facility or return to the US.
Customer Query: Best Travel Insurance for Green Card Holders Traveling to India
Hello,I have a query. My mum is green card holder since 6 months. I have sponsored her to visit UK and from here she is travelling to India. I have bought one way tickets from UK and would like to buy a travel insurance to cover this trip. She is 72 years old and take medication for high blood pressure which is controlled well. Could you please suggest me how can I buy travel insurance? She will need to be covered for UK trip as well as for India till she arrives on 4th October.
Thank you,Anand
Thank you for contacting American Visitor Insurance with your inquiry!
Patriot International travel Insurance is one of the best international plans for U.S. Green Card holders traveling to India. You can purchase this plan for your Green Card holder family members, such as your mother. When completing the application, be sure to enter the U.S. as the residence address.
Sincerely,www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Which Is the Cheapest Travel Insurance With Trip Cancellation Coverage for India?
The cheapest travel insurance for trip to India with trip cancellation coverage Safe Travels Protect, starting at $24.
Other affordable travel insurance with cheap travel insurance for India trip cancellation coverage include Pathway Essential and Travelex Advantage.
Safe Travels Protect
Trawick International
$24 Per monthAge: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
Pathway Essential
Trawick International
$24 Per monthAge: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
- Offers trip cost up to $10,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $50,000
- Medical evacuation up to $250,000
Which Is the Best Travel Insurance With Trip Cancellation Coverage for India?
The Best travel insurance for trip to India with trip cancellation coverage is Pathway Premium, starting at $40.
Other top recommended travel insurance with trip cancellation coverage include Travelex Ultimate and iTravelInsured LX.
Pathway Premium
Trawick International
$43 Per monthAge: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $100,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $100,000
- Medical evacuation up to $1,000,000
- Offers trip cost up to $50,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $1,000,000
- Offers trip cost up to $150,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $500,000
- Medical evacuation up to $1,000,000
Which Is Cheapest Travel Health Insurance for India from USA?
The Cheapest travel health insurance for India from USA is Atlas Essential International.
Other options for cheap travel insurance to India for U.S. Citizens include Atlas International and Patriot International Lite.
* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.
Which Is Best Travel Medical Insurance for India from USA?
The Best travel medical insurance for India from USA is Atlas Premium International.
The other top recommended Best India Travel Insurance for U.S. Citizens include Intermedical and Patriot Platinum international.
* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.
Healthcare and Medical Costs in India
- India offers both public and private healthcare.
- While public hospitals are low-cost, they can be crowded and have limited English-speaking staff.
- Private hospitals in metro cities like Delhi, Mumbai, and Bengaluru provide high-quality care but require payment upfront, even in emergencies.
Even though healthcare in India is affordable compared to the U.S., foreign travelers must pay out-of-pocket if uninsured. Travel insurance ensures access to good private hospitals, covers emergency evacuation, and protects against high medical expenses due to accidents or sudden illness.
Do I Need American Traveler Insurance With Trip Cancellation Coverage?
US citizens are advised to consider purchasing trip protection insurance, particularly when traveling beyond their home state. Travel insurance for US citizens visiting Europe tailored for US vacationers offer coverage that includes the traveler's health and trip expense costs.
Coverage benefits typically encompass trip cancellation, delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.
Travelers can also include the Cancel for Any reason (CFAR) insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. This insurance provides coverage in the following ways:- Non refundable cost of the trip.
- Unexpected medical expenses of the traveler.
- Loss or damage to the insured’s possessions.
Compare the Best Trip Insurance Plans
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IMG Trip Insurance
The trip insurance offered by IMG is a three-tiered series of plans: These plans offer coverage for unexpected medical expenses due to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.iTravelInsured Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000.
The iTravelInsured Travel SE and iTravelInsured Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
Compare IMG Trip Insurance Plans » -
Safe Travels Trip Protection Insurance
Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled.
These are popular plans for trip related expenses.
Compare Trawick Trip Insurance Plans » -
Trip Protector Preferred Insurance
- Available for US citizens and residents traveling outside the United States.
- Includes $2000 in travel delay benefits for Covid quarantine/lodging.
- Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost.
- Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation.
-
Seven Corners Trip Protection Insurance Plans
The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice.
There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally.
You can have a trip last up to 90 days.Cruise Travel Insurance provides comprehensive protection designed specifically for cruise travelers. Key features include optional Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR) upgrades.
Optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
Compare Trip Protection Insurance Plans » -
Travel Insurance Services Trip Protection Insurance Plans
Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic.
These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.
Optional Cancel for Any Reason Benefit- Travel Insurance Select Plus and Elite plans offer this benefit if purchased within 21 days of the date initial payment/deposit is received (not available to residents of NY).
- Trip Care Complete Insurance also offers “Optional Cancel for Any Reason Benefit” up to 75% of Trip Cost.
IMG Trip Insurance
Safe Travels Trip Protection Insurance
Trip Protector Preferred Insurance
Seven Corners Trip Protection Insurance Plans
Travel Insurance Services Trip Protection Insurance PlansInternational Travel Health Insurance From USA
Trip Cancellation Insurance
Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.
Learn More »Cancel for Any Reason (CFAR)
Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.
Learn More »Rental Car Collision
Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.
Learn More »US Citizen Annual Travel Insurance
US citizens and residents who travel abroad frequently for business should have international travel health insurance.
Learn More »American Travel Insurance Plans and Coverage Options
1. What is the best travel insurance with theft gear coverage?
American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.
2. Which is best trip cancellation insurance for adventure activities?
The iTravelInsured Travel Sport plan is designed for adventure seekers, offering travel insurance for expeditions, tours, and vacations. It covers adventure, extreme, and hazardous sports, as well as organized intramural and interscholastic sports, with trip cost protection of up to $100,000.
3. Which travel insurance provides good medical evacuation coverage?
Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.
4. What is the American travel insurance for canceled flights?
Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.
5. What if I need to be airlifted off of the ship?
We’re glad you found your way to American Visitor Insurance. Our website is dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji.
- We offer policies for almost anyone traveling anywhere, including older US residents up to 99 years of age.
- IMG, a well-established name in travel insurance, offers comprehensive travel and trip insurance products suitable for all types of travelers.
- Covers airlift evacuation from your cruise ship to the nearest hospital capable of treating you.
- Provides hospital-to-hospital transfers if the current facility cannot meet your medical needs.
- Includes transportation to a hospital near your home if deemed necessary by your physician.
What Does Trip Cancellation Insurance Cover?
At American Visitor Insurance, we assist travelers from nearly anywhere as they travel away from home! It is important to consider purchasing an insurance plan to cover trip cancellation.
- Provides a refund for non-reimbursable deposits and trip costs if something prevents taking the trip between payment and departure.
- Cost of such insurance depends more on the trip cost than the length of the trip (most have maximum day limits).
- Plans available for high-cost trips (exceeding $10,000 per person, e.g., safaris, long cruises) and modestly priced trips.
- Benefits usually cover 100% of non-refundable trip costs.
- Often reduced to 75% for the ‘Cancel for Any Reason’ benefit.
- Coverage during the trip includes:
- Unexpected medical expenses
- Trip interruption (if unable to complete trip due to illness, weather, etc.)
- Trip delay (missed flights or connections, help to catch cruise if necessary)
- Baggage loss
- Assistance for pets or children traveling with you.
Trip Cancellation Insurance
Highlights of trip cancellation insurance coverage benefits
When Can I Buy the Trip Cancellation Plan?
- You can buy the trip cancellation plan at any time before your travel dates.
- Since you are insuring the value of your trip, it is better to purchase as soon as possible in case something happens that interferes with your travel.
- Example: If you’ve planned a trip for next October and later find out you must be in court at that time — if you haven’t already purchased your trip cancellation plan, you will not be able to get a refund because you already know about the conflict.
- You always get a 10-day ‘free look’ period after purchasing your plan.
- This allows you to review the policy and ensure it’s the product you really want.
Does Trip Insurance Cover Pre-Existing Conditions?
Many travel insurance plans offer a waiver of the pre-existing medical condition exclusion if you purchase your policy within 14 to 21 days of your initial trip deposit.
However, the iTravelInsured Travel LX plan gives you more flexibility and allows you to qualify for the waiver if buy the iTravelInsured Travel LX insurance within 24 hours of your final trip payment.
This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment. This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.
While we hope your trip goes smoothly and you stay happy and healthy, it’s reassuring to know that you’ll be protected even if unexpected issues arise — from the minor inconvenience of a missed connection to the major challenge of seeking medical care abroad or having to cancel your trip altogether.
- Pathway Premium – Covered if purchased within 21 days of the initial trip deposit.
- Travelex Ultimate – Waiver included if purchased within 21 days of the first trip payment, with the full trip cost insured.
- iTravelInsured Travel LX – Waiver available if purchased within 24 hours of the final trip payment.
- Safe Travels Armor – Covered if purchased within 14 days of the initial trip deposit.
- Trip Protection Choice – Covered if purchased within 20 days of the initial trip payment or deposit, and other requirements are met.
- Trip Protector Preferred – Coverage available if purchased within 21 days of the initial trip deposit.
At American Visitor Insurance, we're here to help you find the right trip cancellation insurance with pre-existing condition coverage so you can travel with confidence and peace of mind.
Which is the Best Trip Cancellation Insurance for U.S. Seniors?
For senior travelers, iTravelInsured Choice Insurance from IMG is a top option. Designed for trips under $10,000 per person, it offers:
- Trip cancellation & interruption for pre-paid, non-refundable expenses
- Medical coverage up to $100,000 and emergency medical evacuation up to $500,000
- Add-ons: Cancel for Any Reason (CFAR), enhanced medical coverage, cruise protection, and sports coverage
- Pre-existing condition waiver if purchased within 21 days of the initial trip deposit
For trips over $10,000 or those seeking higher limits, iTravelInsured Travel SE and LX plans are recommended:
- iTravelInsured Travel SE: Trip costs up to $150,000, medical coverage up to $250,000
- iTravelInsured Travel LX: Trip costs up to $150,000, medical coverage up to $500,000
Both include trip cancellation, interruption, evacuation, and optional add-ons similar to Choice
- Choice: Best for budget-friendly coverage for seniors on standard trips
- SE or LX: Best for high-cost trips or travelers seeking maximum protection
For detailed guidance on choosing the right plan, check out our page on best trip cancellation insurance for seniors.
How Much Does India Travel Insurance for USA Cost?
Trip Cancellation Insurance
The cost of travel insurance plans for India starts as low as $24 for a 15-day trip with a $1,000 trip cost.
Each trip is unique, and the cost of travel medical insurance for India will depend on the details of the trip and the travelers being insured. The key factors that affect the cost include:
- Age of the Traveler
- Type of coverage included
- Duration of the trip
- Number of travelers being covered
This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.
| Plan Name | Trip cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Protect | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $32 | $39 | $74 |
| Pathway Essential | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $33 | $53 | $76 |
| Pathway Plus | 100% of Trip Cost (Up to a Max. of $50,000) | $32 | $43 | $70 | $98 |
| Trip Protection Basic | 100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 | $70 |
| Travelex Advantage | 100% of Trip Cost (Up to a Max. of $10,000 | $36 | $42 | $62 | $87 |
| Itravelinsured Choice | 100% of Trip Cost | $39 | $50 | $73 | $110 |
| Travel Insurance Select Basic | 100% of Trip Cost | $42 | $42 | $87 | $102 |
| Safe Travels Armor | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $55 | $67 | $124 |
| Pathway Premium | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $56 | $90 | $126 |
| Trip Protector Economy | 100% of Trip Cost(Up to a Max. of $5,000) | $47 | $55 | $71 | $75 |
| Travelex Ultimate | 100% of Trip Cost (Up to a Max. of $50,000 | $57 | $69 | $91 | $125 |
| Trip Protection Choice | 100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 | $118 |
| Itravelinsured LX | 100% of Trip Cost | $102 | $114 | $138 | $171 |
Best Trip Cancellation Insurance
Review trip cancellation coverage benefits
Travel Medical Insurance for US Citizens Traveling Outside USA
Travel insurance for travel outside the US starts as low as $20 for a month.
Travel insurance provides:- 🩺 Coverage for doctor visits
- 🏥 Protection for emergency hospital stays
- 🛡️ Financial protection against high medical costs abroad
- ✅ Access to necessary care while traveling
Average one-month travel health insurance costs by age are shown in the table below.
| Plan Name | Maximum Coverage | Deductible | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|---|
| Atlas Essential International | $50,000 | $250 | $20 | $40 | $86 | $263 |
| Safe Travels Outbound | $50,000 | $250 | $26 | $77 | $168 | $296 |
| Atlas International | $50,000 | $250 | $27 | $54 | $117 | $212 |
| VisitorSecure | $50,000 | $100 | $29 | $34 | $55 | $96 |
| Travel Medical Outbound USA Basic | $50,000 | $0 | $29 | $55 | $121 | $269 |
| Patriot International Lite | $50,000 | $250 | $29 | $55 | $121 | $214 |
| Voyager Essential | $50,000 | $250 | $32 | $58 | $116 | $271 |
| Diplomat International | $50,000 | $250 | $32 | $86 | $181 | $315 |
| Intermedical | $50,000 | $250 | $48 | $73 | $121 | $201 |
Source: American Visitor Insurance®
Travel Medical Insurance for US Citizens Traveling Abroad
Review travel medical insurance coverage benefits.
How Much Does Travel Insurance Cost for a Week? How Much Does Travel Insurance Cost for 2 Weeks?
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks.
You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
How Much Does Travel Insurance Cost for 6 Months?
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
How to Estimate Trip Cost for Travel Insurance?
Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss.
- When I booked a trip to Europe some time back over a summer, I prepaid for all our hotels.
- The refund policy was only 10%, so I could have insured 90% of the cost in that case.
- You must look carefully for the refund policy of all pre-paid costs associated with your trip in order to get this amount correct.
- Airbnb are not consistent across the same city, so you will have to assess this individually for each part of your trip.
- While some plans allow you to put down a total trip cost or an average trip cost per person, some will want you to be specific for each traveler.
- Make sure you keep track of costs accurately again to keep the cost of the insurance down and your refund as accurate as possible.
- Technically, you can insure for any portion of the trip that you want.
- However, in order to get some benefits, some plans require that you insure all of your pre-paid, non-refundable expenses (such as the waiver for the pre-existing condition exclusion, ‘cancel for any reason’ benefit, or cancel for any work reason benefit).
How to Reduce the Trip Cancellation Insurance Cost?
- Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers.
- Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars.
- It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss.
- Some Cancel for Any Reason (CFAR) travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs.
- The more expensive your trip, the higher the insurance cost.
- Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.
You can lower the cost of travel insurance without compromising essential coverage by:
- Choosing only medical coverage by entering the trip cost as $0 if you don’t need trip cancellation coverage.
- Selecting a travel medical plan, which is cheaper than comprehensive coverage and most offer coverage for emergency medical evacuation.
- Selecting lower coverage limits, usually within $50,000 medical coverage, which is often enough for most trips.
What Factors Affect the Travel Insurance Cost from the US to India?
There are several key factors that determine the cost of India travel medical insurance from the USA:
1. Trip Duration
The longer your trip, the higher the cost — since your exposure to potential risks increases over time.
2. Age of the Traveler
Older travelers pay higher premiums due to the increased risk of medical issues or claims is higher.
3. Coverage Amount and Type
Plans with higher medical coverage limits, trip cancellation benefits, or “Cancel For Any Reason (CFAR)” add-ons cost more than basic policies.
4. Trip Cost (for Trip Cancellation Plans)
If you are purchasing for an expensive trip covering flights, hotels, or tours — the insurance premium will be higher.
5. Pre-Existing Conditions Coverage
Plans that include pre-existing medical coverage or cover a sudden onset of a pre-existing condition can be more expensive.
6. Optional Add-Ons
If you add extra benefits such as Cancel for any reason (CFAR) coverage, rental car protection, or baggage insurance will increase overall cost.
Do U.S. Citizens Need a Visa for India?
Yes — all U.S. citizens must have a valid visa before entering India.
Visa Options:- Electronic visa (e-Visa): Apply online for tourism, business, medical, or conference visits through the official Indian government portal.
- Regular Visa: Required for long-term stays, employment, or study; apply via an Indian consulate or embassy.
- Passport valid for at least six months beyond arrival, with two blank pages for stamping.
- Tourist e-Visa Stay: Up to 180 days per visit (depending on visa type).
- Visa on Arrival: Not available for U.S. citizens.
Visa-Free Travel Countries for U.S. Citizens
Travel Insurance for Indian-Americans Visiting India
Many Indian-Americans visiting India travel for family gatherings, weddings, or festive celebrations that can last several weeks or even months. With trips often lasting 4 to 12 weeks, these visits can involve packed schedules, extensive travel, and exposure to new environments — making it essential to stay prepared for unexpected medical emergencies.
Each year, over 4 million Indian-Americans travel to India to reconnect with loved ones and participate in cultural events. According to recent travel industry data, over 60% of travelers visiting India choose to buy travel medical insurance to protect against unforeseen health issues, trip delays, or medical evacuation expenses.
A comprehensive travel insurance plan for Indian-Americans visiting India provides coverage for hospitalization, new illnesses, accidents, and the acute onset of pre-existing conditions — ensuring peace of mind and financial security while enjoying time back home.
👉 Explore long-term India travel insurance plans »
General Information About India
- location_city Capital: New Delhi
- location_on Location: South Asia
- attach_money Currency: Indian Rupee (INR)
- language Language: Hindi, English, and 20+ regional languages
- groups Population: Around 1.4 billion
- event Best time to visit: Throughout the year
- map Vacation spots: New Delhi, Mumbai, Jaipur, Agra, Goa, Kerala, Varanasi, Rishikesh, Udaipur, Bengaluru , Chennai, Darjeeling, Leh-Ladakh, Kolkata
What Are the Most Popular States in India Among US Travelers?
What Are the Most Popular Cities in India Among American Travelers?
What Are the Popular Wildlife Destinations in India?
What Are the Travel Tips for India?
- Visa & Documents: Apply for an Indian e-Visa in advance and carry printed copies of your visa and passport.
- Health & Safety: Drink only bottled or filtered water; avoid street food if unsure of hygiene.
- Money: Carry some cash (Indian Rupees); cards are accepted in cities, but rural areas may need cash.
- Transport: Use registered taxis, apps like Ola or Uber, or pre-paid airport cabs.
- Dress Code: Dress modestly, especially at temples and rural areas.
- Cultural Etiquette: Remove shoes before entering homes or religious places; use your right hand for giving or receiving items.
- Connectivity: Buy a local SIM card (Airtel or Jio) for better internet and call access.
- Emergency: Dial 112 for all emergencies, 100 for police, and 102 for ambulance services.
Best Travel Health Insurance in India for US Students
For U.S. students studying in India, some of the best international student health insurance options are:
- GeoBlue Navigator for Student, offering comprehensive coverage for Preventative Care, Outpatient Medical Care, and access to a global network of doctors and offers unlimited annual maximum.
- StudentSecure from WorldTrips providing varying levels of coverage with benefits like medical expenses, maternity, pre-existing conditions, emergency evacuation, and mental health coverage.
- IMG Patriot Exchange offers coverage for hospitalization, doctor visits, emergency medical evacuation, pre-existing conditions, prescription drugs, and more, ensuring that US students have access to necessary medical care while away from home.
The cost for the Indian health insurance for US students varies depending on the age of the student and the duration of coverage required. The older the student the higher will be the cost. The longer the duration of India student health insurance required, the higher will be the cost. It's important to compare US student health insurance for India based on coverage needs, budget, duration of stay, and university requirements, ensuring to read the policy details carefully.
Types of Travel Insurance for US Citizens Visiting India
Short Term Travel Medical Insurance
- For short term travel vacations ranging from a few weeks to few months (less than a year).
- This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions.
Long Term Health Insurance
- Ideal for expats working overseas and for US pensioners living outside the US.
- These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits.
Annual Travel Insurance to India from USA
- Ideal for frequent travelers such as business professionals or digital nomads making multiple international trips per year.
- The Annual multi-trip insurance for travelling to India provides coverage for unlimited trips within a 12-month period, with each trip usually lasting 30-90 days.
- Offers significant savings compared to purchasing separate insurance for each trip.
- Ensures continuous coverage throughout the year without needing to buy a new policy for every trip.
- Particularly useful and cost-effective for business travelers.
- Requires the traveler to have primary health insurance in their home country.
US expatriate insurance
Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.
Get Quote »Travel Insurance for US Seniors With Medicare Coverage
Does Medicare cover medical costs for US citizens traveling to India?- US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
- There is a travel health insurance plan specifically designed for older American travelers.
- Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
GlobeHopper Senior Single-Trip
Coverage: 5 days to 365 days
description Plan details | picture_as_pdf Brochure | shopping_cart Buy onlineGlobeHopper Senior Multi-trip
Coverage: 12 months total, up to 30 days per trip.
description Plan details | picture_as_pdf Brochure | shopping_cart Buy online- Provides $1 million coverage up to the age of 79 years
- Provides $100,000 coverage for travelers 80 years and older
- Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
- Includes $25,000 coverage for emergency medical evacuation
I’m a U.S. citizen traveling abroad. Can I renew my GlobeHopper Senior travel insurance plan if it has already expired?
Unfortunately, plans cannot be renewed after their expiration date. To stay protected, travelers should renew or extend coverage before the plan expires. If your policy has already lapsed, you’ll need to purchase a new plan for your next trip.
Why should I buy Medical evacuation travel insurance for traveling to India?
Travel insurance for India who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called “Medevac insurance” .
Both WorldTrips Atlas Medevac and Seven Corners Medical Evacuation and Repatriation plans offer reliable coverage for U.S. citizens.
Trip Insurance vs Travel Health Coverage vs Global Medical Insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
Read More »How Do I Get Travel Insurance for India from USA?
Getting travel insurance for India online is fast, easy, and secure. Follow these steps:
Consider what type of coverage you need: medical emergencies, trip cancellation coverage, lost baggage, travel delays, or coverage for pre-existing conditions.
You can easily compare best travel insurance for India on American Visitor Insurance. We allow you to compare plans side by side based on the plan benefits, coverage limits, exclusions, and deductibles. For personalized assistance or any questions, call us at 877-340-7910 and our team will guide you through the process.
Select your travel dates, age, and trip information to receive an immediate quote for the plan that best covers your trip.
Read the insurance policy brochure, paying attention to exclusions, pre-existing condition coverage, and emergency services included.
Once satisfied, you can purchase the plan online. Most insurance providers will give you an instant insurance certificate to use digitally or as a printed copy.
Print a copy of your insurance policy and emergency contacts for quick access during your trip.
Why Buy Travel Insurance for India From American Visitor Insurance?
- Compare multiple plans easily: American Visitor Insurance provides user friendly side-by-side comparison of travel medical insurance plans for Americans traveling to India from leading U.S. insurers like IMG, Trawick International, WorldTrips, BlueCross BlueShield, Travelex, Seven Corners, Global Underwriters, HTH Worldwide and Travel Insure.
- Customized for your trip: Choose from a range of travel insurance plans designed for different trip durations and coverage levels — from short vacations to extended stays in India.
- Ideal for all travelers: Whether you’re traveling for leisure, business, education, or a long-term stay in India, you can find a plan customized to your trip type and duration.
- Affordable & transparent pricing: No hidden fees. You see the best price directly from the insurer, guaranteed.
- Easy online purchase: Buy India travel insurance for U.S. citizens in minutes with an instant policy documents emailed to you.
- Expert support: Our licensed customer support team at American Visitor Insurance is available 24/7 to answer any questions during the purchase process. They can assist while completing online applications, extend coverage when it is needed, cancelling a plan if travel plans change, and to file insurance claims necessary.
- Trip cancellation coverage and best CFAR plans: Travel insurance for U.S. travelers visiting India including coverage for trip cancellation, medical emergencies, and Cancel For Any Reason (CFAR) benefits.
Travel Insurance to India from USA - FAQs
1. Is it worth buying trip cancellation insurance?
Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is done months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements.
Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings.
Buying Trip protection insurance for India can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.
Buy Trip Cancellation Insurance
2. Do US citizens need travel insurance for India from USA?
The regular US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for India. Healthcare costs can be high in India, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.sed on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!
3. What does international travel insurance to India from USA cover?
The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes
- Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
- Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
- Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
- Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
- Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.
4. Are pre-existing medical conditions covered by travel insurance to India from USA?
Atlas America, Patriot America Plus, Venbrook Premier, Safe Travels USA Comprehensive, and Travel Medical Choice are some of the best travel insurance plans from the USA to India that offer protection for pre-existing medical conditions. These plans provide coverage for sudden health emergencies, hospitalization, and other unexpected medical expenses while traveling abroad
For travelers or Indian parents visiting the USA, INF Elite X, INF Premier X, and Visitors Protect are highly recommended. These plans offer full pre-existing condition coverage and require a minimum purchase of 90 days, ensuring reliable and comprehensive protection for the entire trip.
5. Is travel insurance mandatory for travel to India from USA?
Travel insurance is not mandatory for US citizens visiting India. However, even if not mandatory, travel insurance for India is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.
6. How do I choose the right holiday insurance for my trip to India?
When choosing travel insurance for your trip to India, consider the following factors
- Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
- Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
- Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
- Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
- Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.
When buying travel health insurance for India, it is important to compare travel insurance policies from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.
7. Does the plan offer direct billing outside the U.S.?
Direct billing availability depends on the medical provider in the country where you receive care. Some international hospitals and clinics may bill the insurance company directly for covered medical expenses.
If direct billing isn’t available, you can pay upfront and file an online claim through your provider’s claims portal. Reimbursements are processed after claim review and approval.
Examples of Travel Insurance Plans Offering Global Provider Networks:
- Patriot International Lite from IMG: Includes access to the International Provider Access (IPA) Network, which helps locate hospitals that may offer direct billing worldwide.
- Seven Corners Travel Medical (Basic and Choice): Connects travelers to the Wellabroad.com network for provider search, claim tracking, and medical assistance while abroad.
- Single Trip Insurance from Blue Cross Blue Shield (BCBS): Utilizes the Blue Cross Blue Shield Global network, giving travelers access to a wide international network of trusted hospitals that may support direct billing in many countries.
8. Can I buy travel insurance after booking my trip to India?
Yes, you can buy travel insurance even after booking your trip to India. In fact, many travelers buy travel insurance plans after booking their flights or accommodations. However, it is best to buy insurance as soon as you make your initial trip payment to get the most comprehensive protection
Purchasing travel insurance early ensures that you are covered for trip cancellation benefits in case you need to cancel before departure due to unforeseen events such as illness, family emergencies, or travel restrictions.
If you wait until closer to your departure date, you can still get medical and emergency evacuation coverage during your trip — but you may miss out on benefits like Cancel for Any reason (CFAR) or trip interruption protection that require early purchase (usually within 10–21 days of your first booking).
9. Can I buy travel insurance for work visa or business trips abroad?
Yes, you can purchase travel insurance for business travel and work visas to visit India. Many Americans who are taking a short work visa or traveling to India for conferences or professional short-term work are purchasing travel medical insurance or business travel insurance for professional trips to India to get protection for their trip.
These types of plans cover emergency treatment for a medical issue, accidents, and medical evacuation, ensuring you won't have high out-of-pocket expenses if you need treatment in a private hospital in India. Some policies also include trip interruption, lost baggage, or travel delay benefits, especially for business travel if you are on a schedule.
If you're visiting India on a work visa, you could select a travel medical plan that offers more continuous coverage or travel medical insurance for several months or even one year.
Buying the right best travel insurance for India not only helps with the visa requirements (if required) but also gives you peace of mind when traveling abroad for business purposes.
10. Does my U.S. health insurance cover medical expenses in India?
No, most of the US health insurance plans or Medicare do not cover medical expenses in India. So, its highly recommended to purchase the travel medical insurance for India to protect against unforeseen events during your trip.
11. How much coverage do I need for India travel?
For travel to India, most travelers should have at least $50,000–$100,000 in medical coverage, though higher limits are recommended for added safety.
Here’s a quick guide:
- Short visits or city travel: Minimum $50,000 coverage is usually sufficient.
- Longer trips or rural travel: Choose $100,000–$250,000 for better protection.
- Senior travelers or those with health conditions: Opt for $250,000 or more and ensure the travel insurance plan covers acute onset of pre-existing conditions.
💡 Tip: Medical care in private hospitals can be expensive, especially in metro cities, so choosing a higher coverage limit ensures peace of mind in emergencies.
12. Which travel plans cover medical emergencies for families in India?
When travelling with family, it’s important to choose a plan that protects every member against unexpected illness or injury. A good family travel medical plan should cover:
- Multiple travellers (spouse and dependents under one policy)
- Emergency hospitalisation and doctor visits
- Prescription medication and diagnostic tests
- Emergency medical evacuation and repatriation
- Acute onset of pre-existing conditions
- Access to quality care both in metro and non-metro areas
- Recommended coverage levels:
For short family trips, a $50,000–$100,000 medical maximum is usually sufficient. For longer visits or for families with senior members, consider $250,000 or higher for added peace of mind.
Popular family plans:
- Atlas International – flexible coverage for families, including $1,000,000 medical evacuation coverage and emergency medical benefits.
- Patriot International Lite – offers comprehensive protection for families traveling abroad with $1,000,000 medical evacuation coverage and strong medical benefits.
- GeoBlue Voyager Single Trip Platinum – ideal for families seeking higher medical limits and global provider access, with $500,000 medical evacuation coverage.
💡 Tip: These plans offer 24/7 assistance and direct billing with international hospitals in India.
13. Which travel policies offer the best trip cancellation benefits for travel to India?
Trip cancellation insurance reimburses your prepaid, non-refundable trip costs if you need to cancel or interrupt your travel due to covered reasons like illness, weather disruptions, or family emergencies.
What trip-cancellation insurance covers:
- Cancellation before departure (illness, injury, family emergency)
- Trip interruption or delay after departure
- Lost or delayed baggage
- Optional Cancel for Any Reason (CFAR) add-on for maximum flexibility (reimburses up to 75 % of trip cost)
Example plans and pricing:
- iTravelInsured Travel Choice Insurance – provides coverage for medical evacuation up to $500,000, with the option to increase to $1,000,000. This plan offers trip cost protection up to $10,000, making it a solid choice for travelers seeking comprehensive mid-tier coverage.
- Pathway Premium Travel Insurance – includes emergency medical evacuation coverage up to $1,000,000 and trip cost protection up to $100,000. Ideal for travelers on luxury vacations or first-class cruises who need high-limit protection.
- Trip Protection Choice Insurance – offers emergency medical evacuation up to $1,000,000 and trip cost protection up to $100,000, designed for premium travelers and cruise vacationers.
What to keep in mind:
- Purchase soon after making your first trip payment to qualify for full benefits or CFAR.
- Insure the full non-refundable trip cost (flights, hotels, tours).
- Check exclusions, such as adventure sports or pre-existing conditions, before buying.
14. Which travel medical insurance plans for U.S. citizens visiting India cover pre-existing conditions?
U.S. citizens looking for pre-existing condition coverage have more flexible options compared to visitors coming to the U.S. For example, the Outreach International, Patriot International Lite, and Patriot International plans provide coverage for pre-existing conditions and do not exclude chronic conditions.
However, the Outreach travel insurance plan requires that the insured person already has a primary health insurance plan in place. This is different from inbound-to-U.S. visitor plans (such as Patriot America Plus or Atlas America), which only cover the acute onset of pre-existing conditions and specifically exclude chronic or congenital conditions from that benefit.
Overseas Travel Insurance for US Residents
Affordable coverage for medical emergencies abroad
How Do I Buy the Best Travel Insurance for Cruises?
Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.
- Best cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise.
- Most Cruises offers Cruise protection, but that is not the same as trip insurance for Cruises.
- A cruise protection usually gives vouchers for the traveler if they miss the cruise
- Trip insurance, on the other hand, offers cash reimbursement.
- Vacationers can shield themselves best by purchasing the Cancel for any reason insurance benefit.
- This gives the flexibility of cancellation the cruise vacation for any reason
- The traveler can get reimbursed up to 75% of the non-refundable trip expenses.
The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
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What Are the Best Cruise Travel Insurance Plans?
- Cruise cancellation up to $30,000
- Missed Tour or Cruise Connection up to $250 per day up to $1,500
- Trip Inconvenience up to $250 each inconvenience up to $500
- Medical Evacuation up to $500,000
- Cruise cancellation up to $10,000
- Missed Tour or Cruise Connection up to $500
- Trip Inconvenience up to $100
- Medical Evacuation up to $500,000
- Cruise cancellation up to $100,000
- Missed Tour or Cruise Connection up to $500
- Emergency medical coverage up to $100,000
- Medical Evacuation up to $1,000,000
Group Travel Insurance for India
Quite often groups travel overseas together. The groups could be traveling for varied reasons such as employees on training, groups of tourists holidaying, members of a missionary organization, groups of students attending a sporting or academic event.
Why Group Travel Insurance?Since the regular domestic health insurance will usually not cover you outside your home country you can buy cheap Group travel health insurance for visiting India.
Benefits of Group Travel PlansThe group travel plans are cheaper when compared to individual travel medical insurance. There is usually a discount of about 10% or more in group travel policies when compared to individual visitor health insurance for the same destination.
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U.S. Embassy and Consulates in India
U.S. Embassy New Delhi location_on
AddressShanti Path, Chanakyapuri, New Delhi - 110 021, India
Phone+91 (11) 2419-8000
U.S. Consulate General Mumbai location_on
AddressC-49, G-Block, Bandra Kurla Complex, Bandra East, Mumbai 400 051
India Embassy and Consulates in the United States
India Embassy in Washington, DC location_on
Address2107, Massachusetts Avenue, NW, 20008, Washington, United States
Phone
+1-202-9397000
Fax
+1-202-2654351
Email
amb.washington@mea.gov.in
India Embassy in Texas, TX location_on
Address4300 Scotland Street, 77007, Houston, Texas, United States
Phone
+1-713-6262148
Fax
+1-713-6262450
Email
cgi-hou@swbell.net
Useful Travel Insurance Resources for India
India Travel medical Insurance Blog
Blog about travel health insurance India travelers.
Learn More »Travel Insurance to India Forum
Customer Queries from US travelers about best travel insurance India
Learn More »Best Travel Insurance for India Trip
Compare top plans for medical coverage, trip cancellation, and more with the best travel insurance USA to India
