If you’re looking for travel insurance to go from the USA to India, or to travel to India from any other country, it’s important to understand a few things about travel insurance coverage, as well as India itself. 

Travel Insurance for visiting India

Travel insurance, also known as trip cancellation insurance, is specifically available to USA residents. The primary purpose of India travel insurance is to insure your trip in case of possible cancellation, though there are numerous other benefits that make travel insurance for India well worthwhile.

Do I need travel Insurance for India?

The government of India doesn’t legally require any visitor to have travel insurance. However, it’s important coverage to purchase. Without it, you could lose out on any prepaid, nonrefundable trip costs if you’re forced to cancel your India travel plans.

India travel insurance allows you to be reimbursed for these costs if you cancel your trip for a covered reason, potentially saving you thousands on airline tickets, hotel costs, and other expenses.

What can be covered by India travel insurance?

Travel Medical Insurance for Travelers visiting India

Travel medical insurance is available to any traveler taking an international trip to a country other than the USA. It primarily focuses on protecting you against high medical costs if you were to get injured or become sick during your trip.

Do I need travel health insurance for India?

India travel health insurance is not required by law, but it is highly recommended. Without it, you could end up with medical bills that you cannot afford to pay if you get sick or hurt abroad. 

Why buy travel health insurance before visiting India?

While you may be able to afford medical treatment in India without insurance, it may only be at facilities that are below the standards you’re used to. With travel health insurance for India, you can be assured that you’ll be able to get the best treatment available for a predictable price.

Before You Visit India  – Do This 

  • Be aware that the North Indian Ocean tropical cyclone season runs between April and December of each year, most frequently between April and June and then from September to December. Storms in this second peak period tend to be the strongest. Tropical cyclones, also known as hurricanes or typhoons, form in both the northern part of the Indian Ocean as well as in the Bay of Bengal before coming ashore.
  • Before visiting India, it is a good idea to get proper vaccines such as for typhoid, tetanus and Hepatitis A. Additionally, you should also start taking malaria medicine (Mefloquine) once a week for one week before visiting India, once every week while in India and once a week for four weeks after arriving back home.
  • Protect your health and your finances with India travel medical insurance or travel insurance.

Comprehensive Coverage for Every Type of Journey

Travel insurance isn’t just an option; it’s a crucial companion to any trip. At Insubuy, we offer coverage tailored to your unique needs, whether you're embarking on a single trip, an extended multi-trip itinerary, or pursuing higher education abroad. For frequent travelers, our multi-trip plan offers uninterrupted protection all year, while single-trip coverage is ideal for those seeking a one-time, focused insurance solution. Family policies provide an easy way to safeguard loved ones under one plan, ensuring that everyone enjoys peace of mind. Each policy comes with essential benefits, including emergency medical assistance, trip interruption, and luggage protection, so that you’re covered no matter where your travels take you​

Pandemic Protection for Today's Traveler

Uncertain times have made travel more complex, which is why our policies include COVID-19 coverage. This feature provides financial protection if your trip is interrupted by illness, covering both in-patient and out-patient medical expenses and additional lodging if needed. You’ll also be reimbursed for unused trip costs if COVID-19 impacts you or your immediate family, offering peace of mind in a world where safety is paramount​

Additional Benefits to Match Your Travel Style

Beyond standard coverage, our policies are designed to match your unique travel activities. Whether you’re skiing in the Alps or diving in Australia, optional add-ons like adventure sports coverage allow you to travel confidently, knowing you're covered for hospitalizations tied to specific risks. Last-minute policy purchases and automatic trip extensions ensure that even spontaneous travel plans are covered. Plus, add-ons like compassionate visit coverage can bring loved ones closer if an emergency arises abroad​

Fast, Seamless Purchase and Claim Process

Securing your travel insurance with Insubuy is as easy as booking your flight. Compare plans instantly online, choose your coverage, and receive your policy within minutes. In the unfortunate event of a claim, our digital, paperless claim process ensures that assistance is just a few clicks away, with 24/7 customer support to guide you through every step. This seamless process means you can focus on enjoying your trip rather than worrying about paperwork​

Frequently Asked Questions (FAQs)

Why do I need travel insurance?

Travel insurance provides a financial safety net for various unforeseen events, such as medical emergencies, trip cancellations, lost luggage, and more. It’s particularly valuable when traveling abroad, where unexpected issues can lead to substantial costs. Having insurance ensures that you’re protected, allowing you to enjoy your trip with peace of mind​

What types of travel insurance plans are available?

We offer several plans to meet different travel needs, including single-trip, multi-trip, student, and family coverage. Whether you’re a frequent traveler or planning a family vacation, you can choose a policy that best suits your travel style and coverage needs​

Does travel insurance cover COVID-19-related issues?

Yes, many of our policies include COVID-19 coverage. This typically includes reimbursement for trip cancellations or interruptions due to COVID-19, as well as coverage for medical expenses incurred if you or a family member contracts the virus during your trip​

Can I buy travel insurance after booking my trip?

Absolutely! You can purchase travel insurance anytime before your departure date. We recommend buying insurance as soon as you book your trip to ensure you’re covered for unforeseen issues that may arise before departure​

What is covered under medical expenses?

Medical expense coverage typically includes emergency hospitalization, treatment for injuries or illnesses incurred while traveling, and medical evacuation if needed. Policies may also cover repatriation of remains in case of a death abroad​

Are adventure sports covered under my travel insurance?

Standard travel insurance often does not cover adventure sports injuries. However, you can choose add-ons specifically designed for adventure sports coverage if you plan to engage in activities like skiing, scuba diving, or other high-risk sports during your trip​

Does travel insurance cover lost or delayed baggage?

Yes, travel insurance generally includes baggage coverage, which reimburses you for essentials if your baggage is delayed and compensates you for lost or damaged luggage according to the policy terms​

Is there coverage for trip delays or cancellations?

Most policies offer trip delay and cancellation coverage for specific reasons, such as a medical emergency or travel disruptions due to weather. You can receive reimbursement for non-refundable expenses or unexpected costs incurred due to these delays​

How do I choose the right travel insurance plan?

When selecting a plan, consider the duration of your trip, the destination, your travel activities, and the level of coverage you need. For tailored advice, our support team is available to help you pick a plan that aligns with your travel goals

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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