7 Questions to Ask Before Buying Travel Insurance

Planning a trip to the USA from India is exciting, but it’s essential to be prepared for the unexpected.

Travel insurance can provide financial protection and peace of mind, but not all policies are created equal.

Asking these seven questions will help you choose the right coverage for your specific needs:

  1. Does the Policy Cover Medical Emergencies?

Medical costs in the USA can be astronomical. Make sure your policy covers emergency medical expenses, hospitalization, and even medical evacuation if necessary. Check if there are any pre-existing condition exclusions or limitations.

  1. What About Trip Cancellation or Interruption?

Life happens – flights get canceled, emergencies arise. Does the policy reimburse you for non-refundable expenses if you have to cancel or cut your trip short due to unforeseen events?

  1. Is Baggage Loss or Delay Covered?

Lost luggage can be a major inconvenience. Ensure your policy covers baggage loss, delay, and damage, so you’re not left stranded without essential items.

  1. Are Adventure Activities Included?

If you plan on skiing, hiking, or engaging in other adventure activities, verify that your policy covers injuries or accidents during these activities. Many policies have exclusions for high-risk sports.

  1. What Are the COVID-19 Related Benefits?

With the ongoing pandemic, it’s crucial to check if the policy covers COVID-19 related medical expenses, quarantine costs, or trip cancellation due to a positive test result.

  1. Is 24/7 Assistance Available?

Emergencies don’t follow a schedule. Choose a policy that offers 24/7 assistance services, including help with medical referrals, lost documents, and emergency cash transfers.

  1. What’s the Policy’s Overall Cost and Coverage Limit?

Carefully compare the premium cost with the coverage limit to ensure it aligns with your budget and potential risks. Don’t just go for the cheapest option; ensure it provides adequate protection for your specific needs.

Additional Tips:

  • Read the Fine Print: Understand the policy’s terms, conditions, and exclusions before purchasing.
  • Declare Pre-Existing Conditions: Be honest about any pre-existing medical conditions to avoid claim denials.
  • Get Quotes from Multiple Providers: Compare policies from different insurers to find the best value for your money.

By asking these questions and doing your research, you can find a travel insurance policy that offers comprehensive coverage, giving you peace of mind and allowing you to fully enjoy your trip to the USA.

Recommended Plan For Your Travel

Safe Travels

Best for Visitors
Economical Plan
COVID19 included
Covers Medical
Pre-Existing Conditions
First Health Network


Atlas America

Rated “A – Excellent”
COVID19 included
Covers Medical
Covers Dental
Trip Cancellation
Full Refund on Cancel

Mani Karthik

About the Author

Mani Karthik

Ex “NRI” and Founder of the “Back to India” movement. I share my experience about immigrating to USA here.

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