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Are you planning a trip to the USA? From iconic landmarks like the Statue of Liberty to vibrant cities like New York, your journey should be worry-free. While travel insurance is not mandatory for people visiting the United States from India, Travel insurance for USA is strongly recommended due to the high cost of healthcare and potential travel disruptions. Having reliable travel insurance protects you from financial emergencies like trip cancellation, medical emergencies, and loss of important documents.
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What is Travel Insurance USA?Benefits of ACKOKey FeaturesWhat's Coverede?What's Not Covered?Add-On CoverageHow to Buy?Why Customers Trust Our USA Travel Insurance PlansHow to file a Claim?Documents Required To Travel To the USAAnaya ExperienceWhy Do You Need Travel Insurance for USA Trip From India?How to choose the Best Travel Insurance?Interesting Facts About USAUS Visa for IndiansUSA Visa CategoryPopular ActivitiesIndian Embassy in AmericaInternational Airports in the USAFAQsTravel Insurance USA is an insurance policy that provides financial protection against unexpected events and high medical costs for visitors to the United States. It covers medical emergencies, trip cancellations or interruptions, and lost or delayed baggage, offering peace of mind and financial security against unforeseen mishaps in the US. Given that healthcare in the USA can be very expensive, having travel insurance is highly recommended, as some medical facilities may require proof of insurance or payment before treatment.
The USA Travel Insurance plan offers several benefits, including medical expense coverage, baggage delay coverage, trip cancellation coverage, missed flight coverage, and more. Here are the key benefits of having international travel Insurance for USA from India:
Get financial protection for unexpected medical emergencies during travel. This includes accidental and illness-related medical expenses, hospitalisation costs, and daily hospital allowances. ACKO covers even doctor consultations or OPDs up to $2,000, ensuring you can access quality healthcare wherever you are.
Safeguard your travel investment from disruptions like trip cancellations, rescheduling, or missed flights. You can claim reimbursements of up to $ 1,000 for eligible cancellations, including those caused by COVID-19. Helping you recover prepaid expenses and continue your journey in the USA stress-free.
If your booked flight is delayed beyond the specified number of hours in the policy schedule from the scheduled departure or arrival time, your US travel insurance will reimburse you up to the policy limits.
If you face flight cancellation for reasons beyond your control due to an unavoidable reason like an accident or hospitalisation, we will reimburse you the costs as per the terms of our insurance plan.
If your checked-in baggage is delayed, damaged, or lost, or if you misplace important documents like your passport, Travel insurance for USA compensates you with coverage up to $500. It ensures you’re not stranded or financially burdened due to lost belongings during your trip.
In difficult situations, such as accidental death, permanent disability, or emergency evacuation, the USA policy provides high-value financial support. It also covers repatriation of mortal remains, compassionate visits, and ensuring complete assistance and dignity in every circumstance.
If you accidentally injure someone or damage their property, your travel insurance will cover the resulting legal costs. This protection prevents unexpected financial strain from such incidents.
Here is the list of key features of ACKO Travel Insurance for USA.
The following are the situations usually covered under travel insurance for USA from India.
The following are not covered under travel insurance for USA from India.
These are the travel-related situations when you won’t be able to benefit from your travel insurance.
These are the legal situations when you won’t be able to benefit from your travel insurance.
These are the medical situations when you won’t be able to benefit from your travel policy.
*Note: Please remember that this is not a complete list of the exclusions and inclusions; hence, you are advised to read every description in your policy document carefully.
In addition to the core USA travel insurance benefits, ACKO offers a range of Add-On Covers for USA travel policy that enhance protection against specific travel inconveniences.
If you’re an adventure lover planning to ski, dive, trek, or try other high-energy sports, the adventure sports injury add-on is a must. ACKO covers medical expenses arising from injuries sustained during covered adventure activities, something that standard policies often exclude.
In rare cases where you’re denied boarding on a confirmed flight or hotel check-in despite valid bookings, ACKO reimburses your re-booking expenses up to $500, provided you rebook for the same dates and city.
You can buy USA travel insurance online from ACKO by following these steps:
To begin, click here or download our app from the Play Store or App Store
Choose the Travel Insurance option and click on “USA” as your travel destination.
Fill in the start and end dates of your trip.
Pick from ACKO’s Standard or Comfort plan. Customise your plan based on your budget and travel needs.
Fill in your details.
Check your policy summary, pay securely online, and get your travel insurance policy for USA instantly via email.
Travel insurance should let you focus on the journey, not the financial risks.
That’s exactly what our customers experience — no delays, no hidden surprises, just genuine support when it matters the most.
Claiming your ACKO travel insurance online for USA is super easy. Here are the simple steps to follow:
Listed below are the documents required for purchasing travel insurance, for a visa application, and to file a claim in ACKO.
Here are some of the documents for purchasing travel insurance for the USA from India.
Here are some of the essential documents for applying for a US visa from India.
Here are some of the key documents required for applying for a travel insurance claim in the USA.
Anaya really loves going on adventures! She did something she'd always wanted to do on her recent trip to the US: she went rafting. She hurt her leg when her raft flipped over in a rough part of the river. She was taken to the hospital right away, and ACKO paid for all of her medical bills, so she didn't have to worry about the cost of care.
Anaya said, "I was planning my first trip to the US and couldn't wait to go whitewater rafting, which is very popular there. It might be dangerous, but you only live once, right? ACKO made me feel cared for throughout my entire hospital stay. When you have ACKO with you, life keeps going, guys!’’
Medical care in the United States is among the most expensive in the world. Without insurance, even minor treatments can cost thousands of dollars. Having the best travel insurance isn’t just a formality; it’s your safety net for unexpected moments that could otherwise turn a dream vacation into financial stress.
Imagine you’re travelling to California and sprain your ankle while hiking in Yosemite. A simple X-ray and consultation could cost over $1,000, and hospitalisation could run into tens of thousands. With USA travel health insurance, such costs are covered, ensuring you get quality treatment without touching your savings.
Picture this, you’ve booked flights and hotels worth ₹3 lakh for your New York vacation, but a family emergency forces you to cancel last minute. USA Trip insurance helps reimburse non-refundable expenses, protecting your hard-earned money.
Lost luggage or missing passports can derail your trip. For instance, an Indian family travelling to Orlando once had their bags misplaced by the airline - their insurance covered essentials like clothing and toiletries until their luggage was returned.
From flight delays to medical emergencies, US travel insurance takes care of the hassles so you can focus on what really matters: enjoying your U.S. adventure worry-free.
Before selecting the best travel insurance for the USA from India, keep these important factors in mind:
Choose a plan that aligns with your travel purpose and health profile. If you have a pre-existing condition (e.g., heart-related issues), consider adding a PED (Pre-Existing Disease) add-on for adequate protection.
Get an idea of the costs. For example, a policy with $100,000 medical cover for a 27-day trip may cost around ₹1,637.
Reviewing multiple options helps you find the best coverage at the most competitive price.
Purchase travel insurance for the USA right after booking your tickets to get trip cancellation coverage from the beginning.
Here is an overview of the interesting facts about the USA.
| Fact | Description |
| The USA is the third-largest country in the world | After Russia and Canada, the U.S. is the third-largest by land area. |
| It has 50 states and one federal district | Washington, D.C. is the capital and not part of any state. |
| The U.S. has no official national language | English is the most commonly spoken, but no law declares it the national language. |
| Alaska has the longest coastline | It’s longer than all other U.S. states’ coastlines combined. |
| The U.S. flag has changed 27 times | The current 50-star flag was adopted on July 4, 1960, after Hawaii joined. |
| Yellowstone was the first national park | Established in 1872, it’s considered the world’s first national park. |
| The U.S. is home to the world’s largest economy | It leads in GDP and technological innovation. |
| Mount Denali is the highest peak in North America | It stands at 20,310 feet (6,190 meters) in Alaska. |
| The U.S. invented the Internet | ARPANET, developed by the U.S. Department of Defence, was its precursor. |
| Americans eat about 100 acres of pizza a day | That’s around 350 slices every second! |
Indian travellers visiting the United States as tourists require a B2 visa for recreational purposes, family visits, and other similar activities. You can club this type with a B1 visa and apply by submitting an application form and supporting documents. The following points will give you a basic idea of the procedure of applying US Visa for Indians.
Step 1: Visit ACKO’s visa portal and select the destination as the USA.
Step 2: Choose the type of visa you need (tourist, transit, etc.).
Step 3: Upload required documents such as passport, photographs, flight tickets etc.
Step 4: Pay the visa fee online via debit/credit card / mobile wallet.
Step 5: ACKO verifies your documents. Once approved, the visa (an e-visa / entry permit) is sent to your email.
Step 6: Download & print your visa or ensure you have the electronic copy before travelling.
Note: Processing time usually takes 3–5 working days, but express options are available for faster approval.
The following table will help you understand which USA visa category is best suited for your application.
| PURPOSE OF US VISITS | USA VISA CATEGORY |
| Tourists, patients, and family meetings | B2 |
| Domestic employees, business trips, and athletes visiting to compete for a prize | B1 |
| Foreign diplomats and government officials | A |
| Military personnel stationed in America | A2 |
| Transit purpose | C |
| US aircraft’s cabin crew | C1/D |
| Industry-specific professionals | H1-B |
| Non-agricultural temporary workers | H2-B |
| Journalists and relevant representatives of information media | I |
| Vocational students | M1 |
| Exchange visitors | J |
| Athletes, artists, and entertainers | P |
Here are the most popular activities across the US that you shouldn’t miss:
While in the USA, Indian citizens can contact the Indian Embassy if required for certain assistance. Here are the emergency contact details of the Indian Embassy in America.
| PURPOSE | CONTACT |
| Visa-related services | +1-202-939-9852 |
| Passport-related services | +1-202-939-9864 |
| Miscellaneous services | +1-202-939-9852 |
List of International Airports in the USA
The following are a few of the common questions and answers related to US travel insurance from India.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
Written by
Shreya Sahu
Content Editor
Shreya is a travel content writer with 5+ years of experience, turning hidden gems and dream getaways into inspiring, engaging stories. She enjoys exploring local cultures, slow travel experiences, and meaningful journeys while planning her next escape.
Reviewed by
Chirag Mahajan
Associate Director - Retail Travel Insurance
Chirag Mahajan leads Acko’s Retail Travel business, driving strategy, growth, and customer-centric travel insurance solutions. A travel enthusiast himself, he blends industry expertise with passion to build seamless and reliable travel protection experiences.
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