Why Indian-Based Travel Insurance Plans Are Generally Not Recommended for US Travel? 

Traveling to the United States is exciting—but it comes with its share of risks, especially when it comes to healthcare. For Indian travelers, one of the most common mistakes is relying on Indian-based travel insurance for their trip to the U.S. While these policies may be affordable, they often lack the coverage, convenience, and compliance needed to navigate the high-cost U.S. healthcare system. 

In this guide, we explore why Indian travel insurance may not be the right fit for U.S. trips—and why opting for a U.S.-based visitor insurance plan is the smarter choice. 

Table of Contents: 

• Why Is Indian-Based Travel Insurance Not Recommended? 
• Why Is US-Based Travel Insurance a Better Choice?  
• FAQs 
• Conclusion 

Why Is Indian-Based Travel Insurance Not Recommended? 

1. Limited coverage for medical facilities: Indian-based travel insurance policies may not have agreements or networks with US hospitals or medical providers. This can make it difficult for policyholders to receive timely and effective care, or worse, they may need to pay upfront and seek reimbursement later, which can be complicated and a slow process. 
2. Long reimbursement period: Indian travel insurance companies may require travelers to pay upfront for medical treatments in the US and submit claims for reimbursement later. The reimbursement process can take several weeks or even months, and the amount reimbursed might be less than expected due to various limits and exclusions in the policy. In contrast, US-based travel insurance plans typically offer more seamless processes and quicker reimbursement for medical expenses. 
3. Currency exchange: Medical expenses in the US are typically billed in US dollars. Indian-based insurers will often reimburse these costs in Indian rupees, meaning travelers may face exchange rate fluctuations that can result in receiving less than what they initially paid out-of-pocket. Moreover, delays in currency conversion may impact reimbursement. 
4. Lack of direct billing: Many US hospitals and medical providers require payment upfront, and some may not accept foreign insurance at all. This means that Indian travelers may have to pay out of pocket for medical expenses and submit the claims later for reimbursement. The lack of direct billing between Indian insurers and US healthcare providers can lead to delays, added stress, and the possibility of not being fully reimbursed. 
5. Language and communication barriers: Navigating medical insurance and care in a foreign country can be difficult, particularly if your insurance company has limited customer service available in the US. With Indian-based plans, communication and coordination with US healthcare providers and insurers may be challenging, especially if the insurance provider does not have a presence or network in the US. 

Why Is US-Based Travel Insurance Recommended for US Travel? 

1. Coverage tailored to the US healthcare system: US healthcare is known for its high costs, and US-based insurers understand the intricacies of the healthcare system. They offer coverage specifically designed to address the expenses associated with hospital visits, surgeries, and emergency medical treatments, ensuring that travelers are properly covered for potential high medical costs. 
2. Access to US networks of healthcare providers: US-based insurers have established relationships with local healthcare providers and networks. This allows travelers to receive more seamless service and direct billing from hospitals and clinics, eliminating the hassle of paying upfront and seeking reimbursement later. 
3. Compliance with US entry requirements: Many US entry requirements mandate that travelers (especially those on a J visa) have adequate insurance, particularly for emergency medical care. US-based insurers are more likely to meet these requirements, offering coverage that aligns with the necessary standards for entry into the country. 
4. Direct assistance and customer service: US-based insurers often have local customer service teams available to assist travelers in the country. This offers the added benefit of easily accessible support in case of an emergency, ensuring that travelers can quickly resolve issues with their insurance while in the US. 

FAQs 

What is the difference between US-based and Indian-based travel insurance for US travel? 

US-based travel insurance plans are designed specifically to meet US healthcare standards and entry requirements (for certain visa types), offering comprehensive coverage for emergencies, hospitalization, and evacuation. In contrast, Indian-based travel insurance may  offer zero to limited coverage, lower coverage limits, and fewer partnerships with US healthcare providers, making it unsuitable for high-cost US medical expenses. 

Can I get routine healthcare or checkups covered by Indian insurance in the US? 

Indian travel insurance may cover only limited emergency medical situations. Routine healthcare or check-ups to doctors are not typically covered by both Indian and US-based travel insurance plans in the US. 

Is there a cap on medical coverage for US healthcare costs with Indian travel insurance? 

Yes, most Indian travel insurance plans have a cap on medical coverage, which is usually very much lower than what is required to cover US healthcare expenses. The cap could leave you with high out-of-pocket costs for medical treatment. Some plans may not offer any coverage at all. 

How can I ensure my Indian travel insurance will cover me for medical emergencies in the US? 

To ensure coverage, check if your policy includes medical emergencies in the US and verify the coverage limits. Contact your insurer to confirm that the plan covers emergencies, hospitalization, and potential evacuation from the US. 

Conclusion 

Indian-based travel insurance plans often fall short when it comes to covering the high medical costs and specific requirements of the US healthcare system. They may lack sufficient coverage limits and direct billing agreements with US providers and may not be convenient at all. It is strongly recommended buying US-based visitor insurance policies so that you do not cripple yourself financially during your US trip.