Planning on visiting the USA this year? Well, before you pack your bags and set off to board the plane, we have something to tell you. Apart from the tickets, visa, and hotel and adventure bookings, you must have your USA travel insurance. It safeguards your trip, which makes perfect sense, as you do not want to ruin your holiday by crying over lost luggage or a missed flight.
Travel insurance for USA can significantly contribute to ensuring peace of mind during your vacation, whether travelling with family or alone, on an exciting adventure or a quick weekend break. Also, knowing that you have financial security would comfort you if something goes wrong.
Unfortunately, there is so much choice in travel insurance that it’s easy to feel overwhelmed. So, we have curated this blog with a few solid tips to find the best travel insurance for USA trip.
How to Find the Best Travel Insurance for the USA?
Here are a few factors to consider before buying the best travel insurance for the USA:
Budget
When you buy travel insurance – the first thing you must consider is the budget. The cost of travel insurance online varies depending on how many days you plan to stay in the USA. This helps understand the quotes shown on the insurance provider’s website.
Claim Limit
It is imperative to verify the policy’s claim limit consistently. The maximum amount that an insurer will pay out for a claim is known as the claim limit. Always check that the claim limit is sufficient for your requirements.
Type of Policy
General insurance companies in India offer different types of travel insurance policies for the USA, such as – single-trip policies and annual trip policies. Annual trip policies are better and more cost-effective than single trip policies. So, ensure you choose the right type of policy for your needs.
Coverage
Before you buy any insurance, understand the coverage it offers. Ensure they cover all the expenses such as trip cancellation, flight delay, medical expenses, emergency evacuation, etc.
Compare Prices
It is important to compare travel insurance prices online. Comparing prices from different providers will allow you to find the best deal with broader coverage at an affordable rate.
Check for Additional Coverage
Additional coverages are available at an additional premium cost. These coverages help protect you in a variety of uncertain circumstances.
Check Online Review
It is advisable to browse the internet to find reviews before buying the policy. This helps find the best insurance company that will not leave you stranded in an emergency.
Check the Mobile Application
Always make sure that the insurance company you choose has a mobile app. These apps simplify handling your travel arrangements and issues while on vacation. It can help file and monitor a claim, which is an additional advantage.
Check the Exclusion
You can either check the exclusion from the insurance provider’s website or the policy document. Reading and being aware of the exclusion help you understand what you are not covered for.
For example, some insurance companies offer coverage for injury or death caused due to adventurous sports, while some don’t.
How Much Does Travel Insurance for USA Cost?
The price of USA travel insurance online varies based on the –
- Your age: In general, the cost increases with age.
- Add-Ons: Cancel at Any Time, Pause at Any Time, and more.
- Trip length and cost: The cost of the policy will increase with the length and cost of the trip.
- Coverage amount and scope: An insurance policy will cost more the more dangers it covers.
- Cost of local healthcare: Expensive medical care at your destination may result in a higher trip insurance premium.
- Medical conditions covered: The cost of your travel insurance coverage will go up because of your existing conditions.
If you travel frequently, you must be aware that there is always a chance of you getting a flight cancelled due to illness, lost luggage, delays, and other travel disruptions. Hence, it is advisable to get travel insurance for US trip as it protects you from unnecessary financial losses.