India USA Travel

Recommended Travel Plans

1. Atlas America
2. Safe Travels
3. Patriot America
  • Visit USA
  • US Travel Tips
  • Visiting Parents
  • Students in USA
  • B1 B2 Visit Visa
  • H1B Visa
  • Life in USA
  • Home
  • About Us
  • Contact Us
  • Privacy policy
  • Legal Disclaimer
  • Home
  • About Us
  • Contact Us
  • Vision & Mission
  • Visa Application
Categories
  • B1 B2 Visit Visa
  • FAQ
  • H1B Visa
  • Life in USA
  • NRI FAQs
  • Spouse Visa
  • Students in USA
  • Travel Insurance
  • Travel News
  • US Immigration
  • US Immigration News
  • US Travel Tips
  • USA to India Travel
  • Visa
  • Visit USA
  • Visiting Parents
  • Home
  • About Us
  • Contact Us
  • Vision & Mission
  • Visa Application
India USA Travel
  • H1B Visa
  • Student Visa
  • Tourist Visa
  • Green Card
  • US Immigration
  • Travel Insurance
Best time to buy travel insurance
  • Travel Insurance

When Should You Buy Travel Insurance?

  • September 7, 2017
  • Mani Karthik

This article was last updated and fact checked on August 1, 2024 by Mani Karthik.

Traveling to the USA from India is an exciting journey, filled with plans for sightseeing, business meetings, or perhaps visiting family. However, one crucial aspect of travel that often gets overlooked is travel insurance.

If you’re searching for “When should you buy travel insurance?” this guide is here to provide you with the essential information you need to make an informed decision.

In this article...

  • Why Buy Travel Insurance?
  • When Should You Buy Travel Insurance?
  • Factors to Consider When Buying Travel Insurance
  • Steps to Purchase Travel Insurance

Why Buy Travel Insurance?

Before diving into the timing, let’s briefly touch on why travel insurance is so important:

  1. Medical Emergencies: Healthcare in the USA can be extremely expensive. Travel insurance can cover emergency medical expenses, ensuring you receive the care you need without financial strain.
  2. Trip Cancellations: Unforeseen events such as illness, family emergencies, or natural disasters can force you to cancel your trip. Travel insurance can reimburse non-refundable expenses.
  3. Lost Luggage: Travel insurance can cover the cost of lost or delayed luggage, ensuring you’re not left without essentials.
  4. Travel Delays: Compensation for delays due to weather, strikes, or other reasons can help cover additional costs like accommodation and meals.
  5. Accidents and Theft: Coverage for accidents and theft ensures you are not left stranded in a foreign country.

Helpful Tip

When traveling to USA, travel insurance is much recommended.

Two great plans are, Atlas America and Safe Travels USA.

However there are other choices like these, as well.

When Should You Buy Travel Insurance?

1. Immediately After Booking Your Trip

The best time to purchase travel insurance is immediately after you book your trip. Here’s why:

  • Comprehensive Coverage: Buying early ensures that you are covered for any unforeseen events that may occur between booking and departure.
  • Pre-Existing Conditions: Many travel insurance policies offer coverage for pre-existing medical conditions if you purchase the insurance within a certain period after making your initial trip deposit, often 14-21 days.

2. Before Visa Application

If you are applying for a visa, purchasing travel insurance beforehand can be beneficial. Some visa applications may require proof of travel insurance, especially for those traveling for long durations or with specific purposes, such as study or work.

3. At Least 15 Days Before Departure

While buying travel insurance at the time of booking is ideal, if you haven’t done so, make sure to purchase it at least 15 days before your departure. This allows time for the insurance provider to process your application and for you to receive the policy details.

Factors to Consider When Buying Travel Insurance

1. Trip Duration

Ensure that your travel insurance policy covers the entire duration of your trip, from the day you leave India until the day you return.

2. Coverage Amount

Medical costs in the USA are significantly higher than in India. Choose a policy with a high coverage amount for medical expenses. A coverage limit of at least $100,000 is recommended for travelers to the USA.

3. Policy Inclusions and Exclusions

Carefully read the policy details to understand what is included and what is excluded. Look for comprehensive coverage that includes medical emergencies, trip cancellations, lost luggage, and travel delays.

4. Pre-Existing Conditions

If you have pre-existing medical conditions, check if the policy covers them. Some policies require additional premiums or have specific terms for covering pre-existing conditions.

5. Adventure Activities

If you plan to engage in adventure activities like skiing, hiking, or scuba diving, ensure your policy covers these activities. Standard policies may exclude high-risk activities.

Steps to Purchase Travel Insurance

  1. Research and Compare: Use comparison websites to research different travel insurance providers and compare their policies.
  2. Read Reviews: Check reviews and ratings of the insurance providers to gauge customer satisfaction.
  3. Choose the Right Policy: Select a policy that meets your needs in terms of coverage, duration, and cost.
  4. Provide Accurate Information: When applying, provide accurate details about your trip, health, and any pre-existing conditions.
  5. Purchase Online: Most travel insurance policies can be purchased online, providing instant coverage.

Conclusion

Buying travel insurance is a critical step in ensuring a safe and stress-free trip to the USA from India. The ideal time to purchase travel insurance is as soon as you book your trip, but definitely before you depart. By considering factors such as trip duration, coverage amount, and policy inclusions, you can find the right travel insurance to protect you against unexpected events. Safe travels!

 

Join Our Facebook Group

Mani Karthik

Having lived in 3+ countries, worked for companies small and big in the USA, Middle East & India, I have a lot of experience to share about international travel, immigration and living as an NRI in the US.

Related Topics
  • Travel Insurance
Previous Article
Travel Insurance Plans for Trip Cancellation
  • Travel Insurance

3 Best Travel Insurance Plans for Trip Cancellation

  • September 6, 2017
  • Mani Karthik
View Post
Next Article
Travel_Insurance
  • Travel Insurance

What is CSA Travel Insurance?

  • September 7, 2017
  • Mani Karthik
View Post

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

  • How to Get Admission to US Colleges from India – Complete Guide 2025
  • Eligibility Requirements for US Colleges – Complete Guide for Indian Students 2025
  • Top Colleges in USA That Accept Indian Students – 2025 Guide
  • How to Get Job in USA from India – Complete Guide 2025
  • How to Get Green Card in USA – Complete Guide for Indians 2025
  • Which Countries Can I Visit with US Visa on Indian Passport
  • Trump’s New Travel Ban: What Travelers Need to Know
  • Priority Dates for EB2 Visa: Complete Guide for Indians
  • What is the EB1 Visa: Complete Guide
  • EB1 vs EB2 Visa: Complete Comparison Guide
Compare Insurance Plans
  • B1 B2 Visit Visa
  • FAQ
  • H1B Visa
  • Life in USA
  • NRI FAQs
  • Spouse Visa
  • Students in USA
  • Travel Insurance
  • Travel News
  • US Immigration
  • US Immigration News
  • US Travel Tips
  • USA to India Travel
  • Visa
  • Visit USA
  • Visiting Parents

Recommended Travel Plans

1. Atlas America
2. Safe Travels
3. Patriot America
IndiaUSAtravel_Logo

IndiaUSAtravel.com provides general information on U.S. immigration, not legal advice. For specific guidance, consult a licensed immigration attorney. We assume no responsibility for the accuracy or timeliness of information, and using this Website does not establish an attorney-client relationship.

We respect your privacy and use any collected data solely to improve our services. However, we cannot guarantee the security of internet-transmitted information. For details, see our Privacy Policy.

We do not guarantee the outcome of immigration processes, as success depends on individual circumstances and legal compliance. External links on the site are for convenience, and we are not responsible for their content or privacy practices.

Some links may be affiliate links, from which we may earn a commission at no extra cost to you. All content on IndiaUSAtravel.com is our intellectual property. Unauthorized use is prohibited; contact us for usage inquiries.

Email: info@indiausatravel.com
Phone: +1 (628) 201-9173
Address: Blogitivity Media LLC, 30 N Gould St Ste N, Sheridan Wyoming, USA, 82801

  • Twitter
  • Instagram
  • Facebook Page
Recent Articles
  • How to Get Admission to US Colleges from India – Complete Guide 2025
  • Eligibility Requirements for US Colleges – Complete Guide for Indian Students 2025
  • Top Colleges in USA That Accept Indian Students – 2025 Guide
  • How to Get Job in USA from India – Complete Guide 2025
  • How to Get Green Card in USA – Complete Guide for Indians 2025
  • Which Countries Can I Visit with US Visa on Indian Passport
  • Trump’s New Travel Ban: What Travelers Need to Know
  • Priority Dates for EB2 Visa: Complete Guide for Indians
  • What is the EB1 Visa: Complete Guide
  • EB1 vs EB2 Visa: Complete Comparison Guide
  • What is the EB2 Visa: Complete Guide
  • US Green Card Renewal Process: Complete Guide for 2025
  • Dual Citizenship India and USA: Complete Guide
  • 100 US Citizenship Test Questions and Answers: Complete Guide
  • B1 B2 Visit Visa
  • FAQ
  • H1B Visa
  • Life in USA
  • NRI FAQs
  • Spouse Visa
  • Students in USA
  • Travel Insurance
  • Travel News
  • US Immigration
  • US Immigration News
  • US Travel Tips
  • USA to India Travel
  • Visa
  • Visit USA
  • Visiting Parents

Input your search keywords and press Enter.