Indian Travellers to US: Prioritize Comprehensive Travel Insurance for High Medical Costs
Indian travellers to the US should prioritise comprehensive travel insurance. Healthcare costs are high, with simple visits costing hundreds and hospital stays reaching thousands of dollars. Insurance should cover medical emergencies, delays, and cancellations.
HDFC ERGO, for instance, offers US travel insurance covering emergency medical treatment, medicines, short hospital stays, ambulance services, and evacuation or repatriation. However, travellers should review baggage delay windows to determine when essentials can be purchased.
Travellers should choose a realistic medical limit for their policy. Comprehensive plans without deductibles, covering the US and Canada globally, are recommended. These typically cover high-cost medical care, including hospital stays and emergency treatments. Policies should clearly state how pre-existing conditions are handled and any deductibles that must be paid at clinics.
Insurance should also cover trip interruption benefits, including cancellation, curtailment, and missed connections. Assistance with lost passports and local guidance is often provided. Additionally, some policies help with flight delays and baggage issues.
For Indian travellers to the US, comprehensive travel insurance is crucial. It should cover high medical costs, delays, cancellations, and other travel inconveniences. Policies should be clear about pre-existing conditions and deductibles. Travellers should choose realistic medical limits and consider global coverage.
