Travel Insurance for the USA from India
Explore comprehensive travel insurance plans for a seamless expedition!
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Quick and hassle-free claim process
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Worldwide
Note: The above data is till 1st April, 2025
What is travel insurance for the USA?
Travel insurance for the USA from India is a specialised policy that protects you against medical emergencies, travel disruptions, and other risks during your visit. Healthcare in the United States is extremely expensive, and even a minor hospital visit can cost thousands of pounds.
A USA travel insurance plan purchased from India helps cover unexpected medical expenses, flight cancellations, lost baggage, and other emergencies. Whether you are travelling for tourism, business, education, or to visit family, having travel insurance is a sensible and essential decision.
Benefits of buying USA travel insurance
Travelling to the United States comes with high costs and unexpected risks. A good travel insurance plan helps you stay financially secure and gives you peace of mind throughout your trip.
Key features of Zurich Kotak USA travel insurance
Travel insurance for the USA offers practical benefits that make your trip safer, smoother, and worry-free.
Cashless care
Get treatment at network hospitals without paying upfront in many emergency situations.
Affordable plans
Choose from reasonably priced options that still offer strong coverage for medical and travel needs.
No Upfront costs
In medical emergencies, you may not have to pay immediately from your own pocket, depending on the coverage.
Easy claims
The process is simple, with minimal paperwork and quick support when needed.
Fast Settlements
Claims are processed quickly, helping you stay financially secure and worry-free.
Reasons to buy Zurich Kotak travel insurance plan
Purchasing travel insurance is a wise decision that can save you from financial losses and stress, allowing you to enjoy your trip. Know why you need to have travel insurance:
Protects from medical expenses
Medical expenses such as hospitalisation or emergency medical evacuations are covered while travelling.
Covers delayed/missed flight
Another critical reason for having travel insurance is trip delays or missed a connecting flight.
Protects checked-in-baggage
Offers protection against loss of checked-in-baggage and can reimburse for the value of belongings, if your luggage is lost.
Allows compassionate visit
A family member or relative is allowed during the period of hospitalisation of an insured person.
Covers trip cancellations
The cost of trip cancellations is covered either fully or partially if you have a travel insurance.
Types of travel insurance plans for USA travel
Different travellers have different needs. These plans are designed to match your purpose of travel and how often you travel.
The single-trip plan provides comprehensive insurance coverage for one complete journey to the USA, starting from your departure date and ending on your return. It is ideal for first-time visitors or occasional travellers who are visiting for tourism, business, or family purposes. This plan ensures that you are financially protected against unexpected medical emergencies, trip disruptions, lost baggage, and other travel-related risks during your stay. It gives peace of mind and security throughout the entire trip.
The multi-trip annual plan is designed for frequent travellers who visit the USA multiple times within a single year. It covers several journeys under one policy, with each trip protected up to a specified maximum duration. This plan is especially suitable for business professionals or anyone who travels regularly for personal reasons. It provides consistent coverage for medical emergencies, travel interruptions, and other unforeseen events, making it a convenient and cost-effective choice for those who travel repeatedly.
Don't overspend on travel insurance
Compare plans with us
| Excel | Prime | |
Sum Insured | ||
| Medical Cover | ||
 Medical Expenses -Accident and Illness |  | |
 Daily Allowance | | |
 Medical Evacuation | | |
 Repatriation of Mortal Remains | | |
 Dental Expenses | | |
 Compassionate Visit | | |
 Adventure Sports Cover * | | |
 Trip Extension (Overseas) * | | |
 Waiver of Sub-limits * | | |
 Addition of Co-pay * | | |
 Medical Expenses - Accident Only * | | |
 Pre-existing Disease cover * |  | |
 Home to Home Cover * | | |
 Waiver Of Deductible * | | |
| Travel Inconvenience Covers | ||
| Accident Covers | ||
| Other Covers | ||
| Get Quote | Get Quote |
* Optional features are available for an additional premium. Please refer to the detailed list of coverages to confirm their availability before finalising your policy purchase.
Above plan is for Asia geography, please refer brochure and policy document for other geography plan compare.
What is covered and not covered under travel insurance for the USA from India
Understanding the inclusions and exclusions of your travel insurance helps you stay informed and better prepared when making a claim.
Medical expenses - Accident and illness
Covers medical costs for inpatient care, day care treatment, and outpatient treatment due to any illness or injury during your trip.
Daily allowance
Provides a daily cash allowance if hospitalisation is required due to illness or injury while travelling.
Medical evacuation
Covers the cost of emergency evacuation or transportation for treatment in case of serious illness or injury.
Repatriation of mortal remains
Covers the cost of transporting the insured’s remains back to their home country or arranging local burial/cremation where the death occurs. Dental expenses: Covers treatment for injury or acute pain affecting the insured’s natural teeth during the trip.
Dental expenses
Dental treatment for any injury or acute pain for insured person’s sound natural teeth.
Compassionate visit
Covers travel expenses for a family member to visit the insured during hospitalisation.
Checked-in baggage protection
Compensates for the loss of checked-in baggage and provides a fixed allowance for delayed baggage.
Delay of checked-in baggage
Offers fixed allowance in case of delay in the receipt of checked-in baggage.
Trip delay
Provides a fixed compensation for every four hours of trip delay.
Trip cancellation
Covers financial loss due to full or partial cancellation of the trip before it begins.
Trip interruption/ curtailment
Compensates non-refundable expenses if the trip is cut short, altered, or disrupted after it has started.
Hijack distress allowance
Provides compensation if the insured is held captive during a hijacking of a common carrier.
Loss of passport and other travel documents
Covers the cost of obtaining replacement travel documents lost due to theft, robbery, or natural disasters.
Missed connection
Reimburses extra travel and accommodation costs if a connecting flight or journey is missed due to delays.
Personal accident
Provides a lump sum payment in case of accidental death or permanent total disablement (PTD) during the trip.
Personal accident - common carrier
Offers a lump sum payment for accidental death or PTD while travelling in a common carrier.
Personal liability
Protects against legal liability for accidental injury to others or damage to their property during the trip.
Automatic extension of policy
The policy can be extended automatically if your trip is prolonged due to covered emergencies or events.
Serves in Military or Armed forces
Insurance coverage does not apply to personnel serving in the military or armed forces, whether during peace or wartime.
Travelling against medical advice
Coverage is excluded if the insured travels against a physician’s advice, is awaiting or undergoing specified medical treatment, is travelling specifically for medical treatment, or has been diagnosed with a terminal condition.
Under the influence of intoxicants
Any claims arising while the insured is under the influence of alcohol, drugs, or other intoxicants, or due to substance abuse or addiction, are not covered.
Why choose Zurich Kotak travel insurance?
Experience seamless protection and security with us
Zurich Kotak General Insurance offers a range of online travel insurance plans to match your coverage needs. The plans are comprehensive in their scope of coverage and are available at affordable premiums. Here are some reasons why you can choose Zurich Kotak General Insurance for buying an online travel insurance.
A trusted name
Zurich Kotak General Insurance is a part of the Zurich Insurance Group (Zurich) which has more than 150 years of experience in the industry, serving people and businesses in more than 200 countries and territories.
Quick assistance
You might need assistance in buying a suitable travel plan or at the time of claims. Zurich Kotak General Insurance offers assistance for all your queries and needs. You can connect at your convenience and get the solution for your queries.
Quick claim settlements
Zurich Kotak General Insurance has consistently settled customer claims to help you in times of need.
Wide variety of travel insurance products
Get variety of travel insurance plans from Zurich Kotak General Insurance.
Easy purchases
Easily purchase a Zurich Kotak travel insurance online. Visit the website, choose your plan, fill an online application, and pay premiums for online transactions.
Key reasons to choose travel insurance for the USA
Travelling to the USA involves high costs and risks, making insurance an essential safeguard for every trip.
Extremely high medical costs
A single day in a USA hospital can cost $2,000–$3,000. Without insurance, even minor treatment can strain your budget.
No universal healthcare
The USA does not provide free healthcare for visitors. Travel insurance ensures you get medical attention without financial worry.
Long travel distance
Travelling from India to the USA increases risks like baggage loss, flight delays, and transit disruptions, all of which insurance can cover.
Legal liability risks
Personal liability cover protects you in case of accidental damage or injury claims under the USA legal system.
How to buy a travel insurance policy for the USA online?
Getting your travel insurance policy for the USA is quick and easy with these simple online steps to follow.
Start your application: click the “secure your trip” button on the Zurich Kotak travel insurance for the USA page.
Fill your trip details: Enter your destination country, trip duration, mobile number, number of adults (self/spouse), number of children (up to 3), and their ages.
Choose a plan: Select the plan that suits your needs, then provide the proposer's KYC details and information of all members to be insured.
Review and pay: Check all details carefully, make the online payment, and download your policy document instantly.
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Intimate Claim
Quick Verification
Instant Settlement
How to choose the best travel insurance for the USA from India online?
Before selecting the best travel insurance for the USA from India, keep these important factors in mind:
Choose the right cover: Pick a plan that suits your travel purpose and health condition. If you have any pre-existing illness, such as a heart condition, consider adding a pre-existing disease (PED) cover for better protection.
Plan your budget: Understand how much you may need to spend. For instance, a policy with $100,000 medical cover for a 27-day trip can cost around ₹1,637, depending on the insurer and coverage.
Compare options: Look at different plans from various insurers. This helps you find better benefits at a reasonable price.
Buy in advance: It is best to purchase your insurance as soon as you book your tickets. This ensures you are covered for trip cancellations from the start.
How can I make a Zurich Kotak travel insurance claim?
Filing a claim has never been this easy – we made sure of it
To initiate a cashless claim, contact us on below 24x7 helpline number for assistance and registering the claims EUROP ASSISTANCE INDIA PRIVATE LIMITED Contact number for cashless claims (Overseas) - For USA – 1833 470 4228 (toll free) - For rest of the world - +91 22 67347863 / +91 22 69635366 - In India - +91 22 67347863 / +91 22 69635366 Email Id – zurichkotakclaims@europ-assistance.in
Take a pre-authorisation in case of a planned hospitalisation by informing us 5 days prior to admission
In case of unplanned hospitalisation, intimate us about your claim within one day or as soon as is reasonably possible but in any case, before discharge from the Hospital
Visit any hospital & use our Policy Certificate to avail cashless facility
Intimate us by calling 1800 266 4545 immediately on hospitalisation.
To initiate a reimbursement claim, contact us on below 24x7 helpline number for assistance and registering the claims EUROP ASSISTANCE INDIA PRIVATE LIMITED Contact number for reimbursement claims (India) - +91 22 67347863 / +91 22 69635366 Email Id – zurichkotakclaims@europ-assistance.in Correspondence Address: EUROP ASSISTANCE INDIA PRIVATE LIMITED, Star Hub Building No. 2, 7th Floor, Near ITC Maratha Hotel, Sahar, Andheri (East), Mumbai – 400 059, Maharashtra, India
Submit all the documents as per policy to us within 30 days of discharge
Post submitting the documents, we will evaluate the details and the documents and come back on your claim
Documents required for USA travel insurance
To apply for USA travel insurance smoothly, make sure you have these essential documents ready before submission.
Passport: A valid passport with at least six months validity beyond the return date.
Visa/ESTA: A valid US visa (e.g., B-1/B-2) or an approved ESTA, if applicable.
Travel itinerary: Confirmed return flight tickets.
Accommodation proof: Hotel reservations or an invitation letter from a host in the USA.
Personal information: Duly filled application form with accurate age, health details, and travel dates
Travel Insurance terms you need to know about
There's always more to know about travel Insurance
Common carrier means any civilian land, water conveyance or scheduled aircraft operated under a valid license issued by a governmental authority having jurisdiction for the transportation of fare paying passengers under valid ticket.
Trip / Journey means any journey undertaken within Policy Period and which commences when the passenger boards the Common Carrier for onward overseas journey and terminates when he disembarks on return to India or the Policy Period End Date whichever is earlier.
Checked-in baggage mean the baggage entrusted by the Insured and accepted by a Common Carrier for transportation for which a baggage receipt is issued to the Insured by the Common Carrier. This shall exclude all the items that are carried/transported under a contract of affreightment.
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Travel Insurance - frequently asked questions
Of course, you may have more questions related to travel insurance, so scroll down and find your question answered!
The USA is well-connected by domestic flights, rental cars, trains, and buses. In major cities like New York, public transit is efficient. For cross-country travel, domestic flights or car rentals are the most practical options.
Report the loss to the nearest Indian embassy or consulate immediately. File a police report and contact your travel insurer for passport loss assistance, which may cover replacement costs and related expenses.
Yes, tap water is generally safe to drink across the USA. In some rural areas, bottled water may be preferred. Most restaurants and public places serve filtered or tap water free of charge.
You can purchase a local SIM card or an international roaming plan before departure. Free Wi-Fi is widely available at hotels, airports, cafes, and public libraries across the USA.
The USA has strict regulations on bringing fresh fruits, vegetables, meats, and dairy products. Packaged and processed foods are generally allowed. Declare all food items at customs to avoid penalties.
Dial 911 for immediate emergency assistance in the USA. Contact your travel insurance helpline for medical referrals and claim guidance. Keep a copy of your policy and emergency contacts accessible at all times.
Travel insurance is not mandatory for a US visa. However, it is strongly recommended due to the extremely high cost of healthcare in the USA. Having a policy shows financial preparedness and protects you during emergencies.
Most Indian health insurance policies do not cover medical expenses abroad. You need a dedicated travel insurance for the USA from India to be covered during your trip to the USA.
Call the 24/7 helpline on your policy card. The insurer will guide you to a network hospital for cashless treatment or advise on the reimbursement process. Submit all documents within the claim filing deadline.
Yes, carry a printed and digital copy of your travel insurance policy. While not checked at immigration, it is needed for hospital admissions, claim filings, and as proof of coverage during your stay.
The cost depends on your age, trip duration, sum insured, and plan type. On average, a basic travel insurance plan for travel to the USA from India may range from ₹1,500 to ₹5,000 for a two-week trip.
You can buy travel insurance after booking your flight, but it is best to purchase before departure. Some insurers do not issue policies once the trip has started. Buying early also covers pre-departure risks like trip cancellation.
"Always by your side. Keeping you safe"