8 best health insurance for visitors to USA from India 2024

8 best health insurance for visitors to USA from India 2024

With traveling relaxations induced, people have started making their vacation plans. However, purchasing an visitor health insurance policy is a must, no matter your destination. The US is one of the most expensive destinations if you ever need medical treatment or hospitalization. If you plan to go to the US from India this year, here are the top 8 travel health insurance plans you can consider purchasing.

1. Safe Travel USA Comprehensive

Safe Travels USA Comprehensive is an affordable comprehensive visitor insurance plan available for non-US citizens or residents up to 90 years of age visiting the US. This plan is not available to US citizens, US residents, or green card holders in America.

The key highlights:

• Coverage for in-patient and out-patient medical accidents & illnesses up to $1 million
• Choice of deductibles from $0 to $5,000
• One acute episode per pre-existing condition covered up to medical policy max
• In-network, the deductible, and co-insurance are waived
• Covid-19 is treated as any other illness
• Covers emergency medical evacuation, repatriation of remains, trip interruption & delay, baggage, and belongings loss, AD&D
• Optional coverage to athletic sports coverage, home country coverage, and 24-hour AD&D
• Offers coverage from 5 days to 364 days and is renewable for up to 24 consecutive months

2. Patriot America Plus

The plan provides comprehensive and affordable medical coverage for non-US residents who need temporary medical insurance while traveling for business or pleasure in America. It is ideal for parents, family, or friends visiting the US from their home country. If your family is based in the US and you wish to visit them this year, Patriot America Plus is a good option for you!

The key highlights:

• Coverage for Hospitalization, ER, Dr. Office Visits, Prescription Drugs for individuals, groups, and their dependents
• Coverage for non-chronic acute onset of pre-existing conditions for people under the age of 70 years
• Can be purchased from 5 days to 12 months and then renewed for up to 2 years
• No deductible for urgent care and walk-in clinic (subject to co-pay )
• Medical coverage for eligible expenses related to COVID-19
• Optional coverage for Adventure Sports
• Customizable coverage for AD&D rider, evacuation plus rider, and chaperone/faculty leader replacement rider

3. Atlas America

Atlas America plan is available to families, parents, and relatives coming to the USA for a brief stay. This is designed for business professionals, nannies, international students, foreign tourists, and more. Do you fall into any of the above categories? If yes, the plan is meant for you!

The key highlights:

• Covers medical accidents and illnesses for in-patient as well as out-patient visit insurance covers political evacuation, repatriation of remains, trip interruption, baggage, acts of terrorism, natural disasters, and more
• Medical coverage for eligible expenses related to COVID-19
• Deductible options from $0 to $5,000
• Covers acute onset of pre-existing conditions that are not chronic and congenital in nature
• Additional benefits include treatment of complications of pregnancy for the first 26 weeks, mental illness, AD&D, personal liability coverage, and crisis response coverage
• In network, Co-insurance waived
• Coverage for 5 days to 364 days

Also Read: Safe Travels USA Comprehensive vs Atlas America: A Detailed Comparison

4. Safe Travel Elite

The plan is available to non-US citizens who reside outside the US and are coming here solely to visit America. However, just like Safe Travel USA Comprehensive, this plan is also not available to US citizens, US residents, or green cardholders.

The key highlights:

• Provides in-patient and out-patient coverage for medical illnesses and accidents with sub-limits
• Available to individuals up to the age of 89 years
• Offers coverage for eligible medical expenses, including hospitalization, surgery, physician visits, and prescriptions
• Coverage is available from 5 days to 364 days and is extendable for up to 24 months
• Covers one (1) Acute Onset episode of a Pre-Existing condition
• Covid-19 covered as any other illness
• Choice of 6 plans – Economy, Basic, Silver, Gold, Platinum, and Diamond
• Coverage one (1) Wellness Visit within the first 21 days of the effective date if the plan has been bought for at least 30 days

5. Visitors Secure

Visitor Secure is a budget-friendly insurance plan available for non-US citizens traveling outside their home countries. The plan is designed for groups, individuals, families, relatives, and students coming to the US.

The key highlights:

• Limited benefits for medical expenses, including hospitalization, surgery, physician visits, and prescriptions
• Coverage is available for as little as 5 days and up to a maximum of 364 days
• Covers acute onset of non-chronic pre-existing conditions for visitors aged below 70 years
• Maximum limits from $50,000 to $130,000
• Deductible options from $0 to $200
• Coverage for Covid-19 included

6. Visitors Care

Visitor Care is an affordable and fixed-benefit medical travel insurance plan meant for non-US residents traveling to the US. The plan is ideal for tourists, business travelers, leisure travelers, family visits, and more.

The key highlights:

• Offers coverage for medical expenses, including hospitalization, surgery, physician visits, and prescriptions
• Maximum limits of $25,000, $50,000, and $100,000
• Deductible options of $0, $50, $100
• Acute onset of pre-existing coverage below the age of 70 years
• The plan offers coverage from 5 days to 2 years
• Additional coverage includes coverage for Emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip

7. Patriot America

Patriot America insurance is suitable for parents, family members, visitors, and students traveling to the US from their home countries for education, business, or pleasure. Traveling from India to the US can be smoother if you carry Patriot America insurance.

The key highlights:

• The plan is available for ages 14 days to 99 years
• Covers hospitalization, prescription drugs, and urgent care
•  Insurance coverage for in-patient and out-patient medical accidents & illness
• Co-insurance is waived when you visit doctors and clinics in-network
• No deductible for a walk-in clinic
• Coverage for a chiropractor and physical therapy
• Optional riders include adventure sports rider, enhanced AD&D rider, and evacuation plus rider

Though there are several health insurances available in the market for travelers coming to the US from India, these top 8 plans mentioned above are popular among everyone. So, without much ado, buy a robust policy and make your visit to America stress-free!