How Important Is It To Buy Travel Insurance When Travelling To The US

While planning a trip to the USA, you may be aware of the importance of applying for the right visa type, packing appropriate clothing, planning an itinerary and so on. However, have you ever thought about the importance of international travel insurance while travelling to the US?

Though not mandatory, the role of travel insurance on your US trip cannot be emphasised enough. It is a safety shield that protects you against several common trip-related incidents, so your trip can be completed smoothly.

Importance of Travel Insurance For the US

• High Medical Cost in the USA- Having a holiday insurance for the USA is important, as the healthcare cost in the USA is one of the highest in the world, surpassing many other wealthy countries. In such a scenario, if you fall sick, get injured or face any health complications during the trip, it will cost you a significant amount. A simple hospitalisation may cost hundreds to thousands of dollars, leading to exhaustion of funds during the trip.

While you cannot prevent medical emergencies, you can reduce the financial stress by investing in a travel insurance plan. It offers coverage for medical emergencies, compensating you for the expenses related to hospitalisation, medicines, medical tests, etc.

• A Coverage Beyond Health- Another reason why travel insurance is important for the USA is due to its comprehensive coverage. The best travel insurance plans cover non-medical aspects, such as baggage loss and delay, flight delay and cancellations, trip cancellations, passport loss and so on.

If you encounter any non-medical emergency as stated above, your travel insurance will rescue you by providing the necessary compensation and assistance. For instance, suppose you are travelling through the Hartsfield-Jackson Atlanta International Airport, USA, which is the busiest airport in the world. Your baggage may get lost during transit or be delayed. In such a situation, you may have to purchase the necessary personal items. Travel insurance takes care of the expenses that you may incur for purchasing the necessary belongings.

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• Protection from Accidental Injuries to Others- Consider a scenario where you are touring the USA and going sightseeing in a crowded area, such as Times Square, Grand Canyon National Park, Disney World, etc. At the tourist spot, you may accidentally bump into someone, causing them to fall and get injured. The injured party may file a claim against you seeking reimbursement of medical expenses.

A third-party liability in the USA can be too high, as it may include legal charges, compensation amount, etc. But when you invest in travel insurance, it compensates the third party on your behalf and bears all other charges, saving you from spending a large sum from your pocket and disrupting your trip.

• Allows you to enjoy your Trip- Having the backup of an efficient travel insurance plan keeps you worry-free so you can enjoy your trip to the fullest. You do not have to worry about spending an exorbitant amount or unexpected events disrupting your trips, as it is all covered under the travel insurance plans.

Benefits Of Travel Insurance.

Travel Insurance for the USA: What to Choose?

Having elaborated on the importance of travel insurance for the USA, here is what you must look out for while buying a travel insurance plan for the USA.

1. Opt for a high coverage amount. With the right insurer, you can get a coverage amount of up to $1,00,000 per traveller.
2. Choose plans that offer comprehensive coverage, including coverage for medical emergencies, flight-related issues, trip-related hassles, passport and baggage loss and so on.
3. If you have any existing illness, opt for travel insurance with coverage for pre-existing diseases.
4. Choose plans with cashless claims, so you don’t have to spend a single penny from your pocket.

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The TATA AIG Safety Shield for USA Visitors

Travel insurance for the USA is important for multiple reasons, ranging from medical emergencies to baggage and passport loss and so on. If you want to protect yourself from all the unexpected hassles and enjoy the trip, investing in an efficient travel insurance plan is a wise step to take.

For a comprehensive and affordable travel insurance plan, you can turn to TATA AIG. They have been in the insurance industry for a long time and offer some of the most credible travel insurance policies.

All that you need in a good travel insurance plan is available with TATA AIG. From high sum insured to COVID-19 cover, instant policy issuance, affordable premiums, and cashless claim facility, their plans feature it all.

All you have to do is visit the TATA AIG official website, choose a plan and get the policy issued instantly.