According to the World Population Review, the United States of America is one of the most visited countries in the world. Indeed, the vast expanse of the USA offers a wide range of travel experiences for every type of traveler. Be it diverse multicultural cuisines, diverse landscapes, sophisticated architectural wonders or the best cities in the world, USA has it all.
If you are planning to travel to the USA, chances are that the visit will be long. Hence, you must have a travel insurance plan to help you in any unfortunate circumstances on a long journey.
Travel insurance is not mandatory if you are traveling to the USA. It is completely optional. But, travel insurance is mostly mandatory for Schengen countries. Although it is not mandatory, a travel insurance plan for the USA is highly recommended.
Why should you buy travel insurance when traveling to the USA?
Unexpected situations can happen anytime and anywhere, whether you’re exploring the Grand Canyon, craning your neck to see the Statue of Liberty, or marveling at Niagara Falls. An international travel insurance plan can help you in the following ways, no matter where you are:
1. Takes care of medical emergencies
Healthcare in America is expensive. Charges for treating medical conditions are high and so are the costs of important health aids and medications. For instance, the average cost of an MRI scan can go up to $1,119. If you need to get an MRI during a health emergency while traveling in the USA, it can put a huge strain on your budget.
A travel insurance policy for USA can be a great life saver in such situations by covering medical expenses to a considerable extent. If you choose a network hospital for treatment, you don’t even need to pay cash. The bill will be settled directly by the insurance company. *
2. Covers loss of baggage or delay in check-in baggage
When you’re traveling internationally, luggage is almost like your second wardrobe. It holds clothes, important documents, medicines, toiletries and much more. If lost, it can wreak havoc and spoil the mood of your trip. Apart from dealing with losses, there will also be financial pressure to buy everything afresh.
However, if you have purchased travel insurance for USA online, you can get compensation for delay in receiving check-in baggage and its loss. This compensation helps you recover the cost of lost essentials.
3. Covers trip cancellation
When traveling to the USA, many things can arise that can temporarily or permanently put a stop to the trip, such as flight delays or cancellations, or unavailable hotel bookings. While many of the factors behind such incidents may be out of your control, what you can really do is minimize the financial costs you may incur during such situations.
Buying travel insurance for USA while traveling from India can help a lot in this regard. Such a plan can provide financial support in difficult situations so that your journey continues as planned. *
4. Covers personal liability
Personal liability coverage helps travelers deal with the financial consequences of wrongful actions while traveling abroad. For instance, your elderly father may drop an expensive souvenir while browsing the antique shop at the museum. This can leave you in a financial dilemma, as paying for souvenirs can mean cutting back a day or two of the trip. If you have travel insurance for senior citizens, this cost can be covered by the insurance company.
Depending on the insurance company and the plan you choose, you may also get additional coverage, such as:
Hijacking of flight coverage
Loss of personal belongings
Credit card loss
Loss of passport
Burglary at home (while you are away)
How to get the most out of your USA trip?
Choose the right time to visit. Ideally, the months of March-May and September-October are the best times to visit. During these months the weather is pleasant and you can enjoy the best of USA.
Make sure you have the address and contact details of the Indian Embassy before starting the trip.
Keep your passport, wallet and other important belongings safe.
Choose a travel insurance plan for USA that meets your needs and budget and covers all members including senior citizens.