By Barsha Bhattacharya
The USA offers a myriad of experiences and reasons for Indians to visit. From tourist attractions such as the iconic Golden Gate Bridge, the majestic Grand Canyon, and the Statue of Liberty to the famous cities of New York and Los Angeles, there is a lot to explore in this wonderful country.
However, traveling to the USA requires extensive preparation, such as completing a visa application, attending a visa interview, making flight and hotel bookings, etc.
Most importantly, you need travel insurance USA to deal with medical and non-medical emergencies on the trip.
Without travel insurance, you may end up spending a hefty sum on medical bills, as healthcare facilities are very expensive in the USA.
To get the best US travel insurance, here are the top 5 things that you must consider before buying one.
Understanding these crucial criteria will also help the US travel insurance businesses understand what customers expect from them.
Top 5 Things To Look For In US Travel Insurance
The US travel insurance market is about to reach $16.12 billion in 2030. This growth in the US travel insurance market size is triggered by a lot of factors, including:
- Awareness about travel risks
- Boost in outbound tourism
- The rise of digital distribution channels
Furthermore, if you are in the US travel insurance business, you must have seen the demand for adventure tourism, business tourism, and single-trip travel insurance.
Moreover, AI integration in the claim processing of the US travel insurance and the use of technology in channel distributions are boosting the growth.
Nevertheless, here, I am discussing some factors that are important for a customer buying a US travel insurance and US travel businesses who want to offer a tailored experience to their customers.
Adequate Medical Coverage
Health emergencies can occur unannounced and derail your trip. Besides, it may also throw you into a financial crisis, as the healthcare facilities in the USA are very expensive.
An MRI scan can cost $375, while blood tests can cost anywhere between $300 and $650. And if you require surgery for a broken bone, you may end up spending $16,000 or more (source).
Hence, the best travel insurance for the USA must have a high medical coverage value to suffice for your medical emergencies. While a coverage of $50,000 is necessary, opting for a plan with $1,00,000 or above is the best option given the high medical costs.
Coverage For Pre-Existing Diseases
If you have any pre-existing medical conditions, ensure that your travel insurance includes coverage for them.
You must look for plans that provide coverage for hospitalization, follow-ups, medication charges, and other associated costs related to your existing condition.
Let us consider an example where Mr A, visiting the USA, suffers from a skin allergy. While on his trip, he visited Siesta Beach in Florida, which triggered a rash on his skin as a result of an allergic reaction to the parasites in the beach water.
His condition worsened, and he had to be admitted to the hospital for treatment.
Without insurance, Mr A may have to spend $100-$735 for emergency allergy treatments.
However, if he has travel insurance with coverage for pre-existing diseases and he has declared his condition, all the hospitalization and associated medical charges will be covered under the insurance plan.
Additional Coverage
Apart from medical emergencies, you may also face other types of situations in the USA.
From passport or baggage loss to flight cancellations and connecting flight delays! There can be innumerable instances where travel insurance can save you from significant losses.
Thus, when buying the best US travel insurance, look for plans that offer additional coverage for non-medical emergencies, too.
Add-On Options
An ideal travel insurance for the USA is one that offers flexibility. It allows you to customize your travel insurance and enhance the scope by including add-ons.
For instance, you are going to the USA for tourism purposes. Then, you may want to engage in adventure sports, such as Jet Skiing in Miami, hot air balloon Albuquerque, New Mexico.
However, the base travel insurance may not cover injuries or accidents during such sports.
Thus, you may offer a rider option to include these instances and enhance the scope of the coverage.
Thus, if you sustain any injury during adventure sports, the insurance plan will cover the medical expenses.
Evacuation & Repatriation
During severe medical emergencies or in the event of death, you may require immediate medical evacuation to another medical facility in the USA. You may even need to be transported back to India.
Such transportation requires air ambulance or airplane transfers on an immediate basis, which come at a hefty cost. Thus, looking for travel insurance plans that cover all such expenses can bring huge financial relief for you.
A Safe USA Trip With TATA AIG Travel Insurance Plan
Do you want to enjoy the breathtaking beauty of the USA and have the best time of your life on your trip? It is essential to buy the best US travel insurance plan after considering the top 5 things mentioned above.
You will find all of these 5 things in the travel insurance plans offered by TATA AIG, making them the best investment for a happy and safe USA trip.
Besides comprehensive coverage for medical emergencies, baggage and passport loss, trip cancellation, and flight delays are also included in plans.
Besides, their best US travel insurance plans have the following features.
- Multiple customizable plan options
- Online purchase facility
- Discounts on premium
- No pre-policy checkup
- 24/7 assistance, and much more.
You can also include various add-ons such as coverage for adventure sports, cruise inconvenience, loss of portable electronic devices, etc.
They offer plans for individuals of all age groups. The plans start from infants aged 6 months to elderly individuals aged 91+ years.
No matter the age, they offer safe travel opportunities to one and all with their efficient travel insurance plans.
So, with this US travel insurance plan, you get complete coverage for your trip. Have a great and safe trip! Bon voyage!
