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Travel Insurance

US Visa For Indians - An Overview

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Key Features

The Real Ace in your Travel Pack

Coverage Highlights

Comprehensive travel protection under a single plan
  • Design your own plan

A truly modular plan that offers you flexibility to curate coverage suited for you and your family

  • Wide Sum insured options

Choose adequate sum insured that suits your budget

  • Pre- Existing (PEDs) covered

Medical expenses upto USD 3000 for emergeny medical care of pre existing diseases

  • Truly Cashless

Worldwide cashless hospitalisation

  • Ease of buying

No medical health check up required to purchase the policy

  • Discounts

Upto 10% discount depending upon the number of people travelling

  • Extension of medical coverage post policy expiry

If hospitalised within the policy period, treatment can be continued upto a maximum of 75 days beyond policy expiry

  • 24x7 support

Enjoy round the clock support to travel worryfree

  • Direct Discount

Enjoy 5% direct discount by purchasing online

  • From reimbursements to fixed payouts

Some coverages reimburse actual expenses while others provide a pre-fixed amount

  • One trip or many? We have got you covered

A Single-Trip Policy covers just one trip, perfect for occasional travelers. A Multi-Trip Annual Policy covers unlimited trips within a year, ideal for frequent travelers. If you travel often, save time and money with an annual plan. Choose what fits your travel needs

Key Inclusions

What's covered?
  • Personal Accident Cover

Pays agreed amount in case of Death, Permanent Total & Partial Disability, while travelling overseas and also within India prior/post 24 hours of international travel, if opted

  • Medical Treatment & Evacuation Expenses Cover

Indemnifies for medical expenses for any illness, disease or injury that happens while you're travelling abroad and evacuation to India. Pre Existing Illness/ injuries can be opted to be covered

  • Hospitalization Daily Allowance

Pays agreed per day compensation in case of hospitalisation abroad

  • Trip Cancellation, Interruption & Extension

Indemnifies for loss incurred by you towards accommodation, travel & event tickets if trip is cancelled or interrupted mid-journey or extended under pre-defined circumstances

  • Return of Minor Child

Pays travel expense incurred to return your child/ children to India in case your are hospitalized abroad

  • Missed Connection

Reimburses you in case you miss a connecting flight

  • Ticket Overbooking

Compensation for denied boarding caused by overbooking, ensuring you are reimbursed for the inconvenience

  • Loss and Delay of Checked-in Baggage

Pays compensation if the airline delays or misplaces your checked-in-baggage

  • Loss of Passport and Driving License

Covers cost of replacing your passport / driving licensein case if they are lost during the journey

  • Loss of Personal Belonging

Pays for loss or damage to personal belongings including mobile, laptop, camera etc. due to theft, larceny, robbery or hold up at international airport

  • Bounced Hotel

Indemnfies you for a superior room /alterante hotel booking in case you dont get your pre booked stay

  • Sporting Activities Cover

Provides coverage for accidents or injuries that occur while participating in professional or semi-professional sports or adventure activities during travel

  • Note

Please read the policy wordings for detailed inclusions

Key Exclusions

What's not covered?
  • Pre-existing Condition

Any disability or injury arising from a medical condition that existed before purchasing the policy, if not opted, is generally excluded

  • Intoxication

Accidents occurring while under the influence of alcohol or drugs are excluded from coverage

  • Routine Examination

It doesn't cover routine check-ups, vaccinations, or vitamins if you're generally healthy

  • Self-Inflicted Injuries

Injuries resulting from intentional harm or attempted suicide are not covered

  • Criminal or unlawful act

Actual or attempted engagement in any criminal or other unlawful act

  • War and Related Perils

Losses due to war, rebellion, or terrorism are not covered

  • Cosmetic and Weight Loss Treatments

No reimbursement for cosmetic surgery or weight reduction programs while travelling abroad

  • Adventure Sports

Injuries from adventure sports are excluded unless the benefit is opted for

  • Deductible & Co- Pays

Part of the claim will have to be borne by you if you have Deductible or Copay

Additonal Coverage

What else can your get?
  • Trip Delay Delight

Pays an agreed amount in case the flight gets delayed beyong the defined period

  • Track-a- Baggage

Opting this service helps you keep track of your luggage during your trip, giving you peace of mind. If your bags go missing, the service helps locate and return them to you quickly

  • Extended Pet Stay

Covers expenses for your pet’s extended stay at a boarding facility due to unforeseen travel delays

  • Weather Guarantees

Offers compensation for costs due to trip disruptions caused by extreme weather conditions

  • Note

Please read policy wordings for detailed coverage

What Is a US Visa, and What Does It Mean to Have a US Visa?

A US visa for Indians certifies you’ve been granted permission to visit the US for a specific time. The reason you are travelling to the US, e.g., study, employment, vacation, etc., will determine the type of visa required.

The two primary forms of US visas are an Immigrant Visa and a Non-Immigrant Visa. To enter the US, you must have a US visa.

What Are the Different Types of Us Visas?

Following are the typical types of US visas for Indians:

  • ● Tourist or business visa
  • ● Work visa
  • ● H1-B for speciality occupation
  • ● H-1 B-1 Work Visa temporarily
  • ● H-2A for Seasonal Agricultural Workers
  • ● H-2B for skilled and unskilled workers
  • ● H-3 for trainees
  • ● H-4 for dependents
  • ● L-1 for intracompany transferees
  • ● L-2 for dependents
  • ● Type O Visas
  • ● Type P Visa
  • ● Type Q visa
  • ● Student visa
  • ● F-1 Visa
  • ● M-1 Visa
  • ● Exchange Visitor Visa
  • ● Ship Crew or Transit Visa
  • ● Transit C Visa
  • ● Crew D Visa
  • ● Religious Worker Visa
  • ● Domestic Employee Visa
  • ● Visa for Journalists and the Media

Validity of the Different Types of Us Visa

The validity of a US visa for Indians will depend on the type of visa granted. Firstly, you should know which US visa would be right for you. Next, you can check the validity of that visa online from official sources.

Furthermore, you should also know whether, in the case of your visa, you can apply for an extension or not.

What Are the Eligibility Criteria for a US Visa?

The following is a list of the paperwork needed to apply for a US visa:

  • ● A passport with at least six months of validity.
  • ● Marriage certificate, if applicable
  • ● Most recent passport-sized photos
  • ● Job offer letter (in case of a work visa)
  • ● Family link evidence to visit family in the US
  • ● The i-20 form or other evidence of enrolment at a school for a student visa
  • ● Flight details and additional travel data
  • ● Financial statements

How Can You Apply for a US Visa?

The application process for a US visa is organised and transparent. You must follow the following instructions:

1. Choose your visa type

Choose the appropriate US visa category and submit an application. This depends on your travel objectives, including business travel, academic study, tourism, visiting family or friends, etc.

2. Complete the online visa application form

Complete the corresponding online application form. You must have a few documents before beginning the online application process. These include your passport, academic transcripts, job offer letter (if applicable), etc.

3. Pay the visa fee

Pay the visa fee online and print out the form and payment confirmation.

4. Make an appointment for your visa interview

Make an appointment for your visa interview. The outcome of this interview will determine whether or not your visa application is approved.

5. Get a US visa (if accepted):

Wait until your application process has been completed and your application is determined as accepted or rejected..

What Are the Fees Applicable for a US Visa?

Different types of US visas have different fees. Ensure to check the latest fees online before applying. For example, a non-petition-based non-immigration visa (except Type E) requires fees of $185. Similarly, for petition-based visas, the fees is $205.

Is a US Visa Available on Arrival for Indian Citizens?

The US does not issue Indian nationals a visa on arrival.

Know Why Your Us Visa Application Can Get Rejected

Your application for a US visa could be turned down for a few reasons. Some of these are:

  • ● Submitting an incomplete visa application
  • ● Lack of any required supplemental documentation
  • ● Applying for the wrong visa category
  • ● Failure to meet the requirements for the chosen visa category
  • ● Passport not having enough blank pages
  • ● Past criminal history or any ongoing criminal proceedings against you
  • ● No evidence of sufficient means to support your stay in the US
  • ● Applicant's nation and the US don't have sufficient diplomatic ties
  • ● Uncertainty regarding the anticipated stay in the US and return arrangements
  • ● Not having a genuine, authorised reason for travelling to the US

Why Is Travel Insurance Essential for a US Visa?

It is equally vital to get proper travel insurance for the US. You can encounter various unfavourable situations while travelling to and from the country and while you are there, including airline delays, lost luggage, lost passport, accidents, or sickness.

Choosing a reliable international travel insurance policy and securing your finances before travelling to the US is crucial. The following coverages are part of this:

  • ● Travel support
  • ● Coverage for illnesses and accidents
  • ● Hijack cover
  • ● Hospitalisation (In this case, your travel insurance for the US will automatically be extended for 60 days)
  • ● Protection from personal culpability
  • ● Help concerning delay or loss of baggage

Are There Any Changes in Documentation Requirements After COVID for Obtaining a US Visa?

If you have a valid visa and are fully vaccinated, you may travel to the United States without any further visa processing. Refer to the CDC website for a listing of accepted COVID-19 vaccines. Since June 12, 2022, you no longer need to show proof of a negative COVID-19 test before boarding a U.S.-bound flight.

    Tourist Attractions in the US

    There are several locations and landmarks in the US that draw visitors worldwide. The US has a diverse natural landscape with something to intrigue everyone, from the frigid peaks of Alaska to the azure waters of Florida and Hawaii. Make sure you buy travel insurance online before visiting these places. Here are a few of the top US tourist destinations:

    • ● New York City
    • ● San Francisco
    • ● Los Angeles
    • ● Washington DC
    • ● Hawaii
    • ● Seattle
    • ● Chicago
    • ● Miami

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    FAQ's

    Would I receive a refund if my visa application is denied?

    If your visa application is rejected, i.e. you are denied a US visa, the money will not be reimbursed. The costs of processing a visa application are included in the fee.

    Is entry into the United States guaranteed by the visa?

    No, a visa does not ensure admission to the United States. You can only travel up to the port of entry (airport or land border). Once there, you must request approval from US Customs and Border Protection and the Department of Homeland Security (CBP). These officials have the power to accept or deny your request to stay.

    How long am I permitted to stay in the United States?

    On the entrance stamp paper, the immigration officer writes a date or a period. You must follow it and depart the United States by that time. As evidence that you are authorised to stay in the US, preserving the paper Form I-94 or having an admittance stamp in your passport is crucial.

    What is trip cancellation coverage under International Travel Insurance

    Trip cancellation cover indemnifies the insured for non-recoverable travel or accommodation costs if the trip is cancelled due to unavoidable circumstances before departure. This applies only if the cancellation is caused by events like the insured’s death, serious injury, or sudden illness requiring hospitalisation within seven days of departure.

    What is trip curtailment coverage under International Travel Insurance

    Trip curtailment cover reimburses the insured for non-refundable accommodation or travel costs if the trip is cut short due to unavoidable circumstances. These include the death, serious injury, or sudden illness of a close family member (spouse, parent, parent-in-law, or child) in India, requiring the insured's early return. It also covers the cos

    What is emergency cash assistance coverage under International Travel

    Emergency cash assistance provides financial help when you face emergencies like theft, burglary, or a hold-up. The service coordinates with your relatives in India to arrange emergency funds up to the specified limit in the policy. The claim process requires an FIR to be registered with the local police, confirming the loss. After verification, th

    What is bounced hotel coverage under International Travel Insurance?

    Bounced hotel coverage ensures reimbursement for 90% of expenses if the insured person is unable to avail of confirmed hotel services. This includes costs for transportation to an alternative hotel and any necessary upgrades to a superior hotel class up to the sum insured as stated in the policy schedule.

    Which travel policy is better—individual or family floater?

    When travelling alone, individual travel plan can be a suitable policy. On the other hand, if you are travelling with your famiy then you may opt in for family floater policy.

    Will I be able to issue more than one policy for the same trip?

    No, you can opt one policy for the single journey. Please check with your insurance company for more details.

    What’s the minimum and maximum age for buying a travel insurance for students

    Students can buy a travel insurance policy between the age of 16-35 years as per the policy terms.

    What if I want to cancel my travel insurance policy?

    You can opt to cancel your plan before or after the policy starts, as outlined in the policy terms. Please note that cancellation rules may vary based on your coverage.

    How do I make a claim on my travel insurance policy?

    It is advisable to contact your insurance provider to discuss your claim. Please ensure you have your policy details, passport number, and any other relevant information readily available while submitting your claim.

    What documents would I need to process my domestic travel insurance claim

    Usually medical reports and their copies, receipts, invoices, FIRs, etc. are required for a domestic travel insurance claim. You can get more information from the customer care executive of your insurer.

    What is the claim settlement process under the corporate travel insurance

    You can register your claim in two ways—online and offline. For online claim settlement, visit the insurance provider's website to register your claim and upload the necessary documents. If you prefer offline claim settlement, you can register your claim by contacting the designated person.

    Can I renew my travel insurance policy?

    Some travel insurance policies may offer renewal options, but this is not always standard. Generally, travel insurance is designed for specific trip durations. It is best to check with your insurance provider to see if renewal is possible and under what conditions.

    How can I extend my travel insurance plan?

    Extending a travel insurance plan depends on the specific policy and provider. Some policies may allow extensions under certain circumstances, while others may require purchasing a new policy. Contacting your insurance provider directly is the best way to determine if an extension is possible or not.

    What happens if my travel insurance expires?

    If your travel insurance expires while you are still traveling, you will no longer have coverage for any medical emergencies, lost luggage, or other risk. This means you would be responsible for any expenses incurred during your travel after your policy expiration. It is recommended to ensure your travel insurance covers the entire duration of your

    What is the validity period of travel insurance?

    The validity period of travel insurance varies significantly. It is tied to the length of your trip, and policies are typically purchased for specific durations. These durations can range from a few days to several months, depending on the policy and provider. Always confirm the exact validity period with your insurance provider before your trip.
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