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Essential Guide To Buying Travel Insurance From India To The United States

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The excitement of packing your bags and the thrill of going to a different continent does not diminish with age. The thirst to travel to new countries, experience various cultures, and feast on myriad cuisines can be just some of the reasons you wish to spread your wings and fly to your destination. Of course, there are many other reasons to travel like visiting your family, for your job, or for education. However, the most common reason is leisure. The allure of a relaxed morning with nothing but exploring on the to-do list can make life worth living. If you wish to travel to the United States, you have to comply with their laws. You need to have a valid passport to apply for a US tourist visa from India, submit the required documents and keep any other documents specified by them handy. The process to get a visa is laid down by the U.S. Consulate or Embassy. You may also want to confirm the other documents required to enter the country. Travel Insurance is not mandatory but a strongly advised aspect of traveling from India to the United States.

Also read – These Are The Ideas To Plan Your Daily Schedule For Your Trip.

 

What Is Travel Insurance?

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Just like every other insurance, travel insurance provides coverage and avoids putting a dent in your savings in case of mishaps. Travel insurance is a backup plan that you can look at in case of cancellations, delays, or medical emergencies. The most important benefit of this plan is that you are safeguarded against losing your passport, which is the most important document when you are abroad.

 

Things To Consider While Buying Travel Insurance

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Getting travel insurance is easy these days as you can buy it online. You can compare policies and purchase the one that fits the best. While buying an insurance policy, there are a few things you may want to consider to ensure you get the maximum benefits from the amount you are paying.

1. Travel and accommodation – It is possible that you miss your connecting flight due to delays or your hotel reservation gets canceled. Booking flights and hotels last minute can be expensive, and you can get coverage for such incidents.

2. Baggage loss – Imagine losing your baggage in a foreign country where you do not have anyone to turn to. At the least, you will need to buy a few basic things to survive for a few days till the bag is returned to you. In such cases, having an insurance policy to back you up is always good.

3. Passport loss – Loss of a passport is the most sinister situation you can be in. Your passport holds your American visa, and it is the most important proof that you have entered the country legally. You also need a passport to exit the country. Therefore, coverage for loss of passport is important as this may extend your trip till you get a duplicate or a new passport.

4. Hospitalization – Medical care in the United States is more expensive compared to India. Cashless hospitalization is one of the most important benefits of travel insurance. The insurer has a list of pre-approved hospitals where you can avail of medical attention. Apart from this, transport to the hospital and medical supplies can also be covered under this.

Also read – Yes, You Can Travel Internationally Right Now – Here’s Everything You Need To Know.

 

Things To Remember While Buying Insurance Online

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Travel insurance should be bought after careful consideration. The policies and premiums depend on your age, duration of your trip, and the country you are traveling to. Most insurers prompt people to buy international travel insurance online. There are no medical tests conducted unless you are a senior citizen.

While buying insurance, you should ensure that the validity of the insurance starts before or on the same date as your travel dates. In addition, it is wise to look at claim processes as you can be prepared accordingly.

To be on the safer side, you can also look at policies online that provide automatic extensions if you are stuck in the United States longer than expected. You should read, comprehend, and compare the terms and conditions online to ensure you are getting a fair deal.

Also read  – H-1B Visa Reform Bill Introduced In US Senate.

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Anushka Jain
the authorAnushka Jain