Is Travel Insurance Mandatory for the US?- Know Now!

From the captivating landscapes to iconic attractions, the USA is a place worth exploring. Whether you are travelling for leisure, study, or employment, going to the USA requires thorough planning. While you may manage all the arrangements, one question often remains unanswered: Is travel insurance mandatory for the USA?

If you are also left wondering if travel insurance is required or not, then read this article to get the answer and learn all about USA travel insurance.

USA Travel Insurance: Is it Mandatory?

No, having travel insurance is not mandatory for travelling to the USA from India. However, it is highly recommended to get travel insurance USA to have a safe and secure trip. Here’s why we say so.

Travelling to the USA can be thrilling. But it also brings many challenges, such as costly healthcare services, high dollar to rupee conversion rates, the chances of misplaced or delayed luggage at the busy US airport and more. To have a safety net against all these risks, it is advisable to invest in a travel insurance plan.

Let us tell you about the various benefits of travel insurance for the USA so you can make the right decision.

The Benefits of Travel Insurance Cover for a USA Trip

• Assists During Medical Emergencies- Travelling to a foreign country and trying new cuisines can lead to food allergies or an upset stomach. Similarly, adventure activities in theme parks like The Universal Studios in Florida or the Universal Studios Hollywood in Los Angeles can lead to unexpected injuries or minor falls and accidents.

If you happen to fall sick, get injured, or meet with an accident during your visit to the USA, you may end up spending a huge sum on medical services. But if you have travel insurance, it will cover all the costs, enabling you to get top-class medical attention without worrying about the finances.

• Protects Against Loss of Passport- Pick pocketing is common in popular US cities like New York and Chicago. Losing your passport due to such incidents can be extremely stressful.

However, you can save yourself from all the hassle if you have a travel insurance plan. It not only provides financial assistance but also helps you logistically obtain the passport or an alternative document quickly and smoothly.

• Aids During Baggage Delay or Loss- Popular international airports in the USA, like the Dulles International Airport and the John F. Kennedy Airport is always bustling with commuters. Misplaced or delayed baggage is a common occurrence at such busy USA airports. This unnecessary hassle can disrupt your trip and also dampen your mood.

From clothes, toiletries, and documents, a lot of stuff can be lost in the baggage and also cause financial strain. But travel insurance provides financial assistance so you can buy the necessary personal stuff without spending from your pocket.

• Covers Trip Cancellation/Curtailment- While travelling to the USA, things may not go as scheduled and you may miss a flight due to unavoidable reasons such as a last minute injury.

You may not be in complete control of these situations, but you can reduce the financial loss by opting for a travel insurance plan for the USA, which covers any financial loss that you suffer because of trip cancellation  or an emergency early return to home.

• Covers Personal Liability- Accidents and mishaps can occur unintentionally, causing injury or loss to third parties due to some of your actions. It can lead to a considerable expenditure in the form of payment to the injured party, which may severely impact your finances. However, you can be saved from spending large sums of money if you have the protection of a travel insurance plan.

You can look for some additional benefits under your USA travel insurance plan. Ask your insurer if they offer the following coverages:

1. Loss of personal belongings
2. Hijack compensation
3. Burglary at home (India)
4. Personal accident cover while travelling to and from the airport in India.
5. 24*7 assistance
6. Emergency evacuation, etc.

Factors to Consider While Buying USA Travel Insurance

• Assess the plan coverage and find out what is covered under the insurance.
• Know the exclusions, so you do not get last-minute surprises.
• Check the company's reputation and credibility.
• Read customer reviews online to find out about customer assistance and company services.
• Ensure that the coverage is balanced against the premium that you are paying.
• Find out if you can customise the plan to meet your travel requirements.

Travel Worry-Free with TATA AIG USA Travel Insurance Plan

Though USA travel insurance is not a mandatory requirement, opting for one brings multiple benefits, such as financial support, mental peace and assistance in a foreign land. So, if you have an upcoming trip to the USA, secure it with efficient travel insurance with wide coverage.

One of the most popular USA travel insurance provers is TATA AIG. They offer affordable travel insurance for the USA starting at ₹24.8 per day, with plenty of benefits and comprehensive coverage.

Besides, they offer quick claim settlement, 24*7 assistance and minimal paperwork. Their travel insurance plans feature a high sum insured, a low entry age, multiple plan options and online purchase discounts, too.