Planning your next trip to the USA ?

Posted on: Feb 18, 2019 | 3 mins | Written by: HDFC ERGO Team

Planning your next trip to the USA ?

Traveling to the USA sounds exciting and rewarding but it can quickly become unpleasant when some unexpected emergencies come your way. Travel Insurance helps reduce the financial risks when traveling abroad such as illness, accidents, missed flights, theft, terrorism, lost baggage and much more. The potential loss for each traveler differs. This depends on many factors like how much of your trip is prepaid, whether you have purchased refundable or non-refundable tickets, baggage value, the country you are traveling to, health of the travelers etc.

So, what are the chances that you will need an overseas travel insurance This question has come across the minds of almost everyone planning a trip abroad. Before you think otherwise, do consider the risks that you are willing to take. In addition, how much of peace of mind would you like? Hence, before deciding, do take these considerations into account and make an informed decision about your trip. When you visit your health provider, it might come as a surprise to you that they offer little or no protection. Hence, it is wise to purchase a comprehensive International Travel Insurance that provides adequate coverage.

Medical care is excellent across the USA, but for critical illnesses, the expenses can be astronomical.

Why buy travel insurance for the USA?

If you worry a lot or not, one should definitely consider the pros and cons of buying travel insurance. During an unfortunate event of a plane crash, a good life insurance policy would be the best way to go.

Dig a little with your health care provider and study the hospitals that are covered during your stay in the USA. In addition, it is a good idea to explore any options of Online Travel Insurance which come with your credit card. Opt for the ones that are popular and well known for the perks and benefits that they offer.

Travel Insurance for USA Ensure that the Overseas Travel Insurance offers loss of baggage as well as personal documents. is said to be the most expensive as compared to other worldwide travel insurance. Hence, do not treat it as just another policy and make sure you get the most out of the overseas travel insurance that you purchase.

How to decide on a travel insurance policy for the US?

If you are a frequent flier, annual multi-trip policies can help to save a lot of money. The plans are generally valid for one year and cover a large number of trips with a maximum duration of 30-45 days.

Ensure that the Overseas Travel Insurance offers loss of baggage as well as personal documents. This is because there is a higher likelihood of occurrence of such an incident. There are no different plans for leisure and business travelers. Hence, choose the plan that covers maximum risks. There is special coverage which comes at an extra cost such as for sports or adventure travel. The insurance companies offer add-ons as well such as burglary or fire in your apartment or missed flight connections. Lastly, do not forget to compare the travel insurance plans before purchasing!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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