Best Travel Insurance for Indians Visiting the USA in 2026

A single night in a US hospital can cost $10,000–$50,000. For Indians visiting the USA — whether for tourism, business, visiting family or medical treatment — comprehensive travel insurance is not optional. It's essential.

Why US Travel Insurance is Different

• No public health system — every treatment is privately billed
• Emergency room visits start at $1,000+ even for minor issues
• Ambulance rides cost $2,000–$3,000
• Medical evacuation back to India can cost $50,000+

What to Look for in US Travel Insurance

• Minimum $1,00,000 medical cover (we recommend $5,00,000)
• Pre-existing disease cover (if applicable — declare everything)
• COVID-19 medical cover
• 24/7 English-language emergency helpline in the US
• Cashless treatment at US hospitals

Best Plans for Indians Visiting the USA

• Tata AIG Travel Guard – $5,00,000 medical cover, COVID + cancellation included
• ICICI Lombard Travel Protect – Strong network, fast claims, 24/7 US helpline
• Bajaj Allianz Travel Companion – Best for senior citizens and pre-existing conditions
• Care Health Travel – Affordable for short trips, good medical cover

Cost for Indians

Our US travel plans start at ₹799 for a 7-day trip. For senior citizens and those with pre-existing conditions, we have specialised plans with higher cover and waived waiting periods. If you're also visiting Europe, read our guide on Schengen travel insurance for Indians — Europe requires a minimum €30,000 medical cover as a visa condition. For Indian students heading to the US for higher education, our student travel insurance guide for Indians studying abroad covers how to save 40–70% vs university health plans. And for visitors with a family history of accidents or disabilities, a personal accident insurance plan in India provides year-round lump-sum protection beyond what travel insurance covers.