I have a, I'm an Indian passport holder and I'm travelling to the US for three months and I want to get a medical claim for my US trip. So, right now I'm in India, so what are the good options available to me? Should I consider any websites like Policy Bazaar? Are there any popular things like that? What should I do? Where should I get policy from? And if you can tell me which are the good policies, that would also be a good help.
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Here's a comprehensive guide tailored for you as an Indian passport holder buying travel insurance for a 3-month US trip.
Why US Travel Insurance is Critical
US healthcare is the most expensive in the world. A simple ER visit costs $5,000–$10,000; a major emergency can exceed $100,000. For a 3-month stay, having solid medical coverage is non-negotiable.
Two Routes: Buy from India or Buy US-Based Plans
This is the most important decision first.
Option A: Buy from an Indian Insurer (e.g., via PolicyBazaar)
Pros: Cheaper premiums, easy to buy in India, pay in INR, familiar Indian customer service.
Cons: US hospitals often don't recognize Indian insurers — you may have to pay out-of-pocket first, then file for reimbursement after returning to India. This can be a painful process.
Option B: Buy a US-Based Visitor Insurance Plan
Pros: US hospitals directly recognize these, cashless/direct billing is more common, easier claims, PPO network access means better rates.
Cons: Slightly more expensive, you pay in USD.
Verdict: For a 3-month trip, US-based visitor insurance is strongly recommended by US healthcare providers. The claim experience is far smoother.
Best Indian Insurer Options (via PolicyBazaar or direct)
PolicyBazaar is a legitimate comparison platform — think of it as the MakeMyTrip of insurance. It's useful for comparing plans side-by-side and is safe to use.
| Insurer | Medical Coverage | Approx. Premium (3 months) | Claim Settlement | Best For |
|---|---|---|---|---|
| ICICI Lombard Travel Smart | $500,000 | ~₹6,000–7,000 | 95% | Best overall |
| HDFC ERGO Travel Insurance | $500,000 | ~₹6,500–8,000 | 94% | Pre-existing conditions |
| Bajaj Allianz Travel Guard | $300,000 | ~₹4,500–5,500 | 93% | Best value |
| Tata AIG Travel Guard | $250,000 | ~₹4,000–5,000 | 92% | Budget option |
| Care (formerly Religare) | $250,000 | ~₹3,500–4,500 | 90% | Basic needs |
Best US-Based Visitor Insurance Plans (Recommended for 3 Months)
These are specifically designed for non-US citizens visiting the US. You can buy these online from India and pay by card.
| Plan | Medical Coverage | Good For |
|---|---|---|
| Trawick Safe Travels USA | $100,000–$1M | Non-US citizens visiting USA, primary coverage |
| IMG Patriot Platinum | Up to $8M | Comprehensive, excellent network |
| Seven Corners Liaison Travel | $50,000–$5M | Flexible, good for pre-existing conditions |
| Atlas America (WorldTrips) | $50,000–$2M | Popular with Indian visitors |
| Inbound USA (Visitor Guard) | Up to $1M | Specifically for international visitors to US |
You can compare and buy US-based plans from aggregator sites like:
- americanvisitorinsurance.com — India-friendly, shows plans for non-US citizens
- visitorscoverage.com — Very popular with Indian visitors, INR payment option available
- insubuy.com — Trusted by the Indian diaspora for 20+ years
Key Things to Check Before Buying
- Minimum $300,000 medical coverage for the US — don't go below this for a 3-month stay
- Medical evacuation — should cover repatriation back to India (look for $500,000+)
- Pre-existing conditions — if you have any (diabetes, BP, heart conditions), check if they're covered; most base plans exclude them, but HDFC ERGO and some US plans have add-ons
- COVID-19 coverage — most modern plans include this; verify explicitly
- Trip cancellation/interruption — useful if plans change
- Deductible — lower deductible = easier claims but higher premium; $0–$250 deductible is ideal for medical
- Direct billing vs. reimbursement — US-based plans with PPO network access (like IMG, Seven Corners) give you cashless treatment at network hospitals
Practical Recommendation for You
For a 3-month US trip as an Indian passport holder:
-
First choice: Buy a US-based visitor plan from VisitorsCoverage or Insubuy — look at Trawick Safe Travels USA Comprehensive or IMG Patriot Platinum. Coverage up to $500,000, 3 months, will cost roughly $150–$250 USD (~₹12,000–₹20,000).
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If budget is tight: Go with ICICI Lombard Travel Smart or Bajaj Allianz via PolicyBazaar — they are reputable, claim settlements are decent, and premiums are lower.
-
If you have pre-existing conditions: Specifically look at HDFC ERGO (Indian) or Seven Corners Liaison Choice (US-based) which have PED coverage options.
PolicyBazaar is a safe, legitimate platform to compare Indian insurer plans — just go in knowing its limitation that US hospitals may not directly recognize Indian policies. For the smoothest experience on the ground in the US, a US-based visitor insurance plan is worth the modest extra cost.
I like option B. Tell me what are the most popular ones among visitors in the US and like or maybe like Indians traveling to you. The most popular option and what should I do and what should I budget for and where should I apply, where should I get it, which is the best? Just tell me.
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Here's the straight answer.
The Two Most Popular US-Based Visitor Insurance Plans for Indian Travelers
These two dominate the market and are what the Indian community overwhelmingly buys:
🥇 #1 — Atlas America (by WorldTrips)
The single most recommended plan on Insubuy (the go-to site for Indians). It's been around for decades and is extremely well-known among Indian visitors.
- Coverage: Up to $2,000,000
- PPO Network: UnitedHealthcare — widest hospital network in the US
- Key feature: Covers acute onset of pre-existing conditions (e.g., if your BP or diabetes suddenly flares up — not routine care, but emergency treatment is covered)
- COVID-19: Covered like any illness
- Direct billing: Yes, at network hospitals
- Can buy from India: Yes, online, starts the next day
🥈 #2 — Patriot America Plus (by IMG)
Equally popular, especially among Indians with family visiting the US.
- Coverage: $50,000 to $1,000,000
- PPO Network: UnitedHealthcare (same network)
- Key feature: Very flexible deductible options ($0 to $2,500), rated A- by AM Best
- Extendable: Yes — you can extend online if your trip gets longer
- Direct billing: Yes
Budget: What Will It Cost for 3 Months?
For a healthy adult under 40, expect roughly:
| Plan | $500,000 coverage, $250 deductible, 90 days | $1,000,000 coverage |
|---|---|---|
| Atlas America | ~$180–$220 USD | ~$250–$300 USD |
| Patriot America Plus | ~$160–$200 USD | ~$220–$270 USD |
That's roughly ₹15,000–₹25,000 for 3 months — less than ₹300/day for full US hospital coverage. Very reasonable.
If you're over 50 or have pre-existing conditions, budget 2–3x more.
Where to Buy — One Answer: Insubuy.com
Insubuy.com is the #1 platform used by Indians and the Indian diaspora in the US. It's been operating for 20+ years, licensed in the US, accepts international credit/debit cards, and has Hindi-speaking support agents.
- Go to insubuy.com
- Select "Visitor Insurance"
- Enter your dates, age, and passport country (India)
- Compare Atlas America vs Patriot America Plus
- Buy online — you get the policy document in your email within minutes
You can also use VisitorsCoverage.com as a second comparison site — it has a clean UI and also accepts Indian cards.
My Recommendation for You
Buy Atlas America with $500,000 coverage and $250 deductible on Insubuy.
- It's the most popular plan among Indian visitors
- $500K is more than enough for most emergencies
- $250 deductible keeps your premium reasonable
- UnitedHealthcare PPO means virtually every hospital in the US will accept it directly
- Takes 5 minutes to buy online, policy starts tomorrow
That's it. No PolicyBazaar, no complicated comparisons needed.
What is the policy amount I should buy for?
Straight answer: $500,000.
Here's why:
What US medical costs actually look like:
| Situation | Typical Cost |
|---|---|
| ER visit (minor) | $3,000–$8,000 |
| Hospitalization (3–4 days) | $30,000–$60,000 |
| Surgery (e.g., appendix) | $50,000–$80,000 |
| Heart attack / ICU stay | $150,000–$300,000+ |
| Medical evacuation to India | $50,000–$100,000 |
A single serious incident can easily cross $150,000–$200,000.
Why not $100,000? Too low. One bad hospitalization wipes it out and you're personally liable for the rest.
Why not $1,000,000? The premium jump from $500K to $1M is about $30–$50 extra for 3 months. It's not bad, but $500K is sufficient for the vast majority of scenarios.
Why $500,000 is the sweet spot:
- Covers virtually any single medical emergency, including ICU stays
- Covers medical evacuation/repatriation back to India
- Premium is reasonable (~$180–$220 for a healthy adult under 40)
- Industry-standard recommendation for US trips
One exception: If you're over 60 or have serious pre-existing conditions (heart disease, kidney issues, cancer history), go straight to $1,000,000 — the extra cost is worth the peace of mind and the risk profile is higher.
For a healthy adult under 55: $500,000. That's your number.
The atlas one that you recommended costs 423$ for 75 days 250$ deductible isnt that too expensive
No, it's not too expensive. Here's the math:
$423 for 75 days = $5.64/day = roughly ₹470/day.
That's less than a meal at a restaurant. And you're in the US, where a single ambulance ride costs $1,500.
To put it in perspective:
- Your flight to the US probably cost ₹60,000–₹1,00,000
- Your 75-day trip spend is likely ₹3–5 lakhs minimum
- The insurance is ₹35,000 — about 7–10% of your trip cost to protect against a bill that could be ₹50–80 lakhs
If you get hospitalized even once for 2 days in the US, the bill will be $20,000–$40,000 ($20K = ₹16 lakhs). The insurance pays that. You paid ₹35,000.
If you still want to reduce the cost, two options:
-
Raise the deductible to $500 — brings the premium down by ~$40–60. Means you pay the first $500 of any claim yourself, insurance covers the rest.
-
Try Patriot America Plus on the same Insubuy site for the same dates — it's usually $20–40 cheaper than Atlas for the same coverage. Quality is comparable.
But honestly, $423 for 75 days of full US medical coverage is a fair price. Don't cut corners on this one.
So if I buy this and after 75 days I want to extend the plan, then what is the possibility?
I can see your screenshot — you're looking at Atlas America, $100,000 coverage, $250 deductible, $304.50 for 75 days. That's actually a much better price than I quoted earlier.
On Extending After 75 Days
Yes, Atlas America is extendable — and it's easy.
Here's how it works:
- Before your policy expires, log into your account on Insubuy.com (or WorldTrips directly)
- Go to "Manage My Policy" → "Extend"
- Pick the number of additional days you want
- Pay the pro-rated premium for the extra days
- New policy document is emailed instantly
Important rules for extension:
- You must extend before the current policy expires — you cannot extend after it lapses
- The extension is at the same coverage terms (same deductible, same policy max)
- Any condition that arose during your current policy period is treated as a new condition in the extension — it won't be excluded
- Atlas America allows extensions up to a maximum of 364 days total from original start date
One Thing to Note on Your Screenshot
You currently have $100,000 policy maximum. For a 3-month US trip, I'd still recommend bumping this to $500,000 — the price difference is modest (probably $50–80 more for 75 days) and significantly better protection. $100K can get wiped out by a single serious hospitalization in the US.
Change it in the dropdown before purchasing — worth the small extra cost.
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