Travel Insurance for USA

Travelling to America can offer unique experiences, like long drives across scenic routes and adventurous rides in world-famous theme parks. From exploring lively cities like New York and Las Vegas to visiting iconic landmarks like the Statue of Liberty, there's something for everyone.

But on your way to ticking experiences off your bucket list, you may encounter unexpected risks, like a lost passport after a fun week of celebrating Mardi Gras. Or a flight delay at Los Angeles International Airport (LAX). This makes USA travel insurance indispensable during your trip, since it'll help cover these costs.

For example, if you're planning a family vacation to celebrate Christmas in Chicago, and your flight gets delayed due to snowstorms at the Chicago O'Hare International Airport, don't worry – you're still covered. Your Reliance travel insurance plan ensures that your Christmas joy is still intact even if the weather disrupts your holiday plans.

We offer coverage of up to $500,000* to help you deal with expenses arising from flight cancellations, baggage or passport loss, emergency cash or medical care. Our USA travel insurance lets you enjoy your vacation even if you experience any bumps along the way.

Benefits of Buying Travel Insurance for the USA

• Medical​ Coverage

  Covering as many destinations as possible in a single trip? – Weather changes or constant travel can trigger seasonal allergies or the flu, resulting in a hospital visit. And we all know, medical bills in the US aren't cheap. With our medical coverage of up to $500,000*, you're covered for emergency doctor visits, including medical costs like dental treatment (up to $500*).

• Personal Liab​​ility Insurance

  Famous tourist spots like Hollywood, the Santa Monica Pier, and Yosemite National Park can become difficult to navigate due to heavy traffic and crowded walkways. So, if you accidentally knock over someone's expensive camera while trying to rush through the crowded streets of Santa Monica Pier, we can help. Our personal liability coverage of up to $250,000* is essential in the US, where lawsuits are quite common.

• Flight Delays & Misse​​d Connections

  Let's say you were supposed to arrive at JFK Airport the next day to catch a connecting flight to Washington for a business meeting. But heavy snowfall delays your flight, disrupting your travel plans and busy schedule. But not all hope is lost! We cover flight delays exceeding 12 hours up to $60 per day*, and for any missed connecting flights, we offer refunds for pre-paid costs like hotel bookings.

• Baggage Loss a​nd Delay

  Imagine arriving at Seattle–Tacoma International Airport all set to visit ComicCon, but your luggage didn't arrive with you. You ask the airport staff and they say your luggage is delayed. This is where we can help. With baggage insurance, we cover checked-in baggage delays exceeding 12 hours up to $100* and total baggage loss up to $1500*, so you can quickly buy clothes, toiletries, and other essentials to tide you over until your luggage arrives.

• Passport L​​oss

  If Miami Beach or the Las Vegas Strip is on your itinerary during a night out, a lost passport can interrupt your fun. Under our plan, you receive reimbursement of up to $300*. With passport loss insurance cover the costs needed to get you a replacement from the Embassy, so you can quickly get a new passport and have your paperwork in order if you're planning on visiting other cities during your trip.

• Emergency Cash A​ssistance

  Should you lose your wallet when visiting the Grand Canyon or while road-tripping with your friends along Route 66, you're never stranded. Receive up to $ 300* in emergency cash to cover accommodation, food or transportation. Help is always available through our 24/7 helpline and the Reliance Self-i app.​

Why 5 Crore+ Travellers Trust Us?

Your trip to must-see travel spots in the USA, like Yellowstone National Park, will give you memories for a lifetime with unforgettable views. Our holiday insurance for the USA is designed to offer comprehensive coverage during your overseas journey.

Key Features of Reliance Travel Insurance for USA

Reliance Travel Insurance for USA is designed to offer comprehensive coverage during your overseas journey. Our main features include cashless hospitalisation anywhere in the US and medical evacuation during emergencies.

Family Travel Plan

Our plan offers comprehensive protection for you and your loved ones, providing coverage up to $250,000*, shared among all family members. It is highly cost-effective, easy to manage and claim through our digital platforms.

Reliance USA Insurance: Inclusions & Exclusions

Note: Please refer to the official policy documents for detailed inclusions and exclusions.

How to Buy Reliance USA Travel Insurance?

With Reliance travel insurance, securing your USA trip is quick and easy. You can easily buy our policy online through our website before you start your trip. Simply follow these 5 simple steps:

1. Mention Trip Type: Select the purpose of your trip. Choose from leisure, business or study.
2. Know Your Needs: Based on your travel destination, understand the max coverage (SI) needed.
3. Compare and Select: Enter your trip-related details and choose a plan - individual, family, etc.
4. Online KYC: Complete the KYC process online by entering your PAN and passport details.
5. Complete Payment: Complete the payment online and get your USA travel insurance instantly.

How to Claim Reliance USA Travel Insurance

Types of Visas for the USA

There are different types of US visas depending on the purpose of your visit to America. It offers various options for tourists, business travellers, students and those visiting their families. Here are the types of visas:

Embassy of the USA in India

Best Time to Visit the USA

June to August

What to Expect: During these months, the weather is warm to hot, with temperatures ranging from 18°C to 31°C, making it ideal for sightseeing.

Perfect for: Summer vacations, national parks, beaches, outdoor festivals (e.g., 4th of July, music events)

Tourist Flow: Heavy

Flights and Hotel Rates: High

Airfare from India (Approx): ₹70,000 to ₹80,000*

Keep in Mind: Attractions are crowded, and prices peak due to summer holidays.

Mar to May and Sept to Nov

What to Expect: This is the best time to visit America to experience pleasant to cold weather, with temperatures ranging from 2°C to 26°C.

Perfect for: City tours, scenic drives, spring blooms, fall foliage.

Tourist Flow: Moderate; Fewer crowds

Flights and Hotel Rates: Moderate

Airfare from India (Approx): ₹87,000 to ₹2,00,000*

Keep in Mind: National parks and cities are calmer and more budget-friendly.

December to February

What to Expect: This is the best time to go to America if you enjoy cold weather, with temperatures ranging from -5°C to 10°C in most regions.

Perfect for: Skiing, snow activities, Christmas markets, and New Year's Eve in cities like NYC

Tourist Flow: Moderate to Low

Flights and Hotel Rates: May spike during Christmas–New Year's

Airfare from India (Approx): ₹80,000 to ₹1,30,000*

Keep in Mind: Winter storms can cause flight delays in New York City or Washington DC.

Note: The weather conditions, tourist flow, airfare estimates and travel costs mentioned above are indicative and may vary based on your travel dates, airline and booking time. Always check with official sources or your travel provider for the most accurate and up-to-date information before planning your trip.

Interesting Facts About America

• National Parks: The USA has 63 national parks, including the Grand Canyon and Yellowstone, with breathtaking natural views.
• Amusement Parks Galore: America is home to the largest theme park - Orlando's Walt Disney World, the original Disney Park - Disneyland, and Universal Studios.
• Indian Restaurants: Many restaurants in the USA serve vegetarian and Jain-friendly Indian meal options.
• Hosts Fan-Favourite Events: The USA hosts global events like the Super Bowl and Coachella, which are drawing more Indians to experience pop culture live.
• Niagara Falls: Niagara Falls is one of the most visited sites in New York State by travellers all around the world for its iconic views.
• Nightlife and Shows: Cities like New York are famous for their bright lights and 24/7 buzz. It also has 41 theatres on Broadway that feature the best stage shows.
• Las Vegas Casinos: Las Vegas is home to over 150 casinos. It is therefore the entertainment capital of the world.
• Wonders of the World: The Grand Canyon, listed among the seven wonders of the world, is located in Arizona, United States.
• Unique Pizza Styles: You can try different styles of pizzas, which are unique to specific regions, such as New York Style, Chicago Deep-Dish and Detroit Pizza.
• All Types of Climate Zones: The USA is the only country where you can experience all 5 types of climate zones - tropical, temperate, dry, continental and polar.

Essential Apps for Your USA Trip

Currency Exchange

Download XE Currency Converter to get live INR-USD conversion rates. Payment apps like Venmo and tip calculators like Tip N Sip are widely used for transactions. Sales tax also varies from state to state, so websites like Avalara, or apps like EasyTax (only Android) and Sales Tax Calculator - Tax Me (only iOS) can be useful.

Accommodation & Hotel Booking

Hotel booking platforms like Booking.com, HotelTonight, Airbnb and Expedia offer global support and reliable cancellation services. You can find and book hotels, motels or vacation homes with different filters to choose the best stay.

Navigation & Transport

Get accurate directions whether you are walking, driving or using public transport with apps like Google Maps or Waze. You can also use these apps to find an Indian restaurant nearby and the Uber app and Transit App to reach your location easily.

Sightseeing & Events

Apps like GetYourGuide, TripAdvisor or Travelocity allow you to know about upcoming events and book travel packages, tickets and tours. GetYouGuide offers offline access and flexible cancellation options.

Road Trip Planning

Planning a scenic road trip? Download Roadtrippers, GasBuddy, and AllTrails to find unique spots and the best scenic routes to reach your destination. GasBuddy helps you find the cheapest fuel prices and hiking activities with AllTrails.

Food Delivery

Order food from Indian, vegetarian, or local US restaurants and get it delivered to your hotel or Airbnb with the most famous app - DoorDash. You can also use Uber Eats and Grubhub, which offer great deals and deliveries from grocery and convenience stores.

Key Takeaways

The United States of America is still the dream destination for many Indian travellers. It attracts Indians for its iconic landmarks like the Statue of Liberty, scenic road trip routes like Route 66 and vibrant cities like Los Angeles, New York and New Orleans.

But even a well-planned US trip can be disrupted by missed flight connections due to bad weather or lost wallets while shopping in Miami. According to Travelperk, travel disruptions in 2025 in the US occur due to three primary reasons: weather-related disruptions (30%), cancellations (26%) and lost or delayed luggage (18%). With around 1.9 million Indians visiting the US in 2024 alone, the need for reliable international travel insurance has only grown.

This is where Reliance USA Travel Insurance (formerly known as Reliance USA Travel Insurance) ensures that your trip to the USA stays on track, as your trusted travel companion.

With the Reliance Self-i app, you can file claims instantly and on the go. Plus, since you can download and store your policy, you have immediate proof of insurance on your phone, no matter where you are in the US.

With premiums starting at just ₹401* and coverage of up to $500,000*, we ensure all your travel-related roadblocks are taken care of so your American adventure stays memorable.

Frequently Asked Questions

• Is travel insuranc​e for the USA mandatory?

  No, travel insurance is not mandatory for a trip to the USA. However, we recommend buying travel insurance with high medical coverage to ensure you are supported through the entire trip.

• Does Reliance USA tra​​vel insurance cover pre-existing diseases?

  Reliance USA travel ​​ insurance only covers pre-existing conditions that you declared when you purchased your policy.

• How can I sel​​ect the best travel insurance for America?

  You need to follow a st​rategic approach to buying the best travel insurance for America. This includes assessing your coverage needs, setting a premium budget, comparing multiple plans and buying the right one online.

• I am travelling to the USA with my family. Should I purchase a single-family travel insurance plan or buy individual travel insurance policies for each member?

  Investing in a single family travel insurance plan is more cost-effective than buying multiple individual travel policies. However, some members, such as your parents, need dedicated coverage. In this case, you can consider buying specialised senior citizen travel insurance.

1. What are the best things to do in the USA?

• Explore National Parks: Consider visiting parks like Great Canyon National Park, Yosemite National Park, Glacier National Park, etc.
• Plan Outdoor Adventures: Visit unique landscapes featuring magnificent mountains, gigantic water parks, shiny beaches and sparkling snow deserts.
• Try American Cuisine: You can try Texas-style barbecue, New York pizza, grits and fried chicken, and, of course, macaroni and cheese.
• Go Shopping: From luxury makeup and designer apparel to high-end electronics, you can get everything for great prices and quality in the USA.
• Explore Major Cities: Make the most of your trip by visiting cities like New York, Washington, DC, Los Angeles, Chicago, etc.

• What are some tips for precaution and safety in America?

• Avoid travelling against the advice of your healthcare provider.
• 911 is America's emergency number. You can use it to contact fire safety, police or an ambulance.
• Take care of your personal belongings when using public transportation, such as buses and taxis, especially in New York.
• Learn about local laws and tourist guidelines and stick to them.
• Stay aware of the weather situation.

• What is the cost range of travel insurance for the USA?

  We offer travel insurance for America at prices starting from ₹401*. However, your insurance premium price varies based on multiple factors, such as the type of plan, the selected sum insured, the number of insured people, and any additional coverage you have opted for.
  

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Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. ​ Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%. Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.