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Travelling From India to the US? Here Are 3 Health Insurances to Know in 2023
Byron Mühlberg
Guide
Whether you're travelling to the USA to visit friends or family there, or just as a tourist eager to see the famous Times Square, Grand Canyon, or Golden Gate Park, before arriving from India, it's crucial to consider your travel insurance options And while travelling to the US can be an accessible, it's worth remembering that out-the-pocket healthcare costs are the most expensive in the world, so it's not just a good idea, but essential, to arrive in the country with travel health insurance under your belt.
Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the US and other countries worldwide. Our list below explores the four services we believe provide the best deals for young adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats alike.
US Insurance Profile
Here are a few of the many factors influencing the scope and cost of travel insurances for the US:
| 👥 Number of visitors | Around 80 million /year |
|---|---|
| ✅ Travel highlight | Empire State Building |
| 💸 Healthcare cost | 7th globally (above average) |
| 🩺 Healthcare quality | Very good |
| ⚠ Main travel risks | - Gun crime |
| 🛡 Safety | Safe |
| 🚑 Travel insurance required? | No |
| 🏆 Best provider |
Is Travel Insurance Mandatory From India to the US?
No, travel insurance is not mandatory for travel to, or through, the United States of America from India.
However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the US or anywhere else. For what's usually an affordable cost, taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.
With that said, here are the top three travel insurances for the USA from India:
VisitorsCoverage: Best Medical Coverage
Among the internet's best-known insurance platforms, VisitorsCoverage is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for visitors from India travelling to the USA. It lets you choose between various plans tailored to meet the specific needs of your trip to the US, including coverage for emergencies, doctor's visits, and other medical-related expenses. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.
VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the US:
- Policy names: Varies
- Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
- Trip coverage: Excellent - but only available for US residents.
- Customer support: FAQ, live chat and phone support
- Pricing range: USD 25 to USD 150 /person /month
- Insurance underwriter: Lloyd's, Petersen, and others
- Best for: Value for money and overall medical coverage
Insured Nomads: Best Trip Coverage
Insured Nomads is another good travel insurance provider for the US, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from India with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.
Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:
- Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
- Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
- Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
- Customer support: FAQ, live chat, phone support
- Pricing range: USD 80 to USD 420 /person /month
- Insurance underwriter: David Shield Insurance Company Ltd.
- Best for: Adventure seekers wanting comprehensive trip insurance
SafetyWing: Best Combination For Youth
SafetyWing is a good insurance option for young people or digital nomads from India because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in the USA knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!
SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:
- Policy names: Nomad Insurance, Remote Health
- Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
- Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
- Customer support: FAQ, live chat, phone support
- Pricing range: USD 45 to USD 160 /person /month
- Insurance underwriter: Tokyo Marine HCC
- Best for: Digital nomads, youth, long-term travelling
Compare For Yourself
In this post, we explored three travel insurance providers you should consider for your next trip to the US from India. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇
Find travel insurance for you:
How Do They Compare?
Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the US? Take a look at the side-by-side chart below:
 |  |  | |
No. of Plans | 50+ | 2 | 3 |
Coverage |
|
|
|
Major Exclusions |
|
|
|
Limits | $50,000 - $5,000,000 | 250000 | 2000000 |
Deductibles | $0 - $25,000 | 250 | $0 - $500 |
Pricing | $25 - $150 /month | $45 - $160 /month | $80 - $200 /month |
Customer Service |
|
|
|
Reputation | Excellent | Decent | Very good |
Ease of Use | Easy | Decent | Easy |
| Get your quote | Get your quote | Get your quote |
Data correct as of 14/02/2023
FAQ About Travel Insurance from India to the US
See Our Other Travel Insurance Guides
Looking for Travel Insurance to Another Country?
See our recommendations for travel insurance to other countries worldwide:
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