Travel insurance for USA

The Need For A Travel Insurance USA Policy

Buy travel insurance online policy considering the coverage and how it meets your specific requirements. So, the minimum you must ensure as an Emirati or an expat travelling to the USA with a travel insurance plan are:

Emergency Medical Expenses  and Transportation

Health concerns are commonplace while travelling, especially in a foreign country as vast as the USA. Injuries in accidents or a sudden illness may involve emergency medical care, including hospitalisation. Your travel insurance USA policy provides the necessary transportation to the nearest or suitable hospital and supports your medical emergency. 

Travel Hazards 

You expect to travel to the USA with clockwork precision, but it does not always happen according to your plans. Typical travel insurance bought in the UAE for travelling to the USA covers the following. 

1. Loss of Personal Belongings: You can face difficulty losing your belongings, including baggage, passport, and money, due to an accident or burglary in a foreign country. The travel insurance coverage is reassuring in such an eventuality.  
2. Baggage Delay: A common occurrence in air travel often causes discomfort. Accordingly, your insurance policy provides for emergency purchases of essentials covering clothing, toiletries, and medicines. The coverage springs into action if the baggage delay exceeds four hours from your arrival at the destination.
3. Delayed Departure: The travel insurance USA policy covers unforeseen delays in flight departure. The delay from the scheduled time can be for multiple reasons, including weather, mechanical or technical issues, and even strikes. 

Covid-19 Cover: 

The ongoing pandemic has been a game-changer in international travel, especially with implementing country-specific management protocols. And the USA is no exception. Accordingly, the travel insurance coverage includes:

1. All medical costs involving Covid-19 infection
2. Moreover, the coverage includes reasonable additional costs for altered travel plans to your home country resulting from a positive diagnosis of Covid-19 infection. 

Types of Travel Insurance for USA From UAE

Let’s explore the types of travel insurance to USA from UAE. You can choose the one that suits your plan for the trip —

Single Trip Travel Insurance
This type of insurance covers one specific trip. If you travel occasionally, single-trip insurance is ideal. You stay protected against trip cancellations, medical emergencies, lost baggage, and travel delays. Once the journey ends, the policy expires. 

Annual Trip Travel Insurance
With an annual trip insurance, you stay protected for unlimited trips* taken within 12 months. This is the best for frequent travellers, as it eliminates the need to buy a new policy for each journey. The coverage features usually include medical emergencies, cancellations, and lost luggage across multiple trips. 

Domestic Travel Insurance
Designed for trips within the same country, it offers coverage for trip cancellations, accidents, medical emergencies, and baggage loss during domestic travel. It ensures hassle-free trips while travelling for business or vacation. 

International Travel Insurance
As the name indicates, this type covers travellers going outside their home country. It provides financial protection against medical emergencies, trip interruptions, loss of passport, or baggage delays abroad. Essential for overseas journeys, this plan ensures assistance and protection against unexpected expenses while travelling. 

Family Travel Insurance
As the term says, family travel insurance offers comprehensive coverage for the entire family under a single plan (immediate family members only). It includes benefits similar to other insurance policies for all the added members. 

If you’re going on family vacations or group trips, instead of buying single policies separately for each individual, you can insure everyone under a single plan. This is not only convenient but cost-effective. 

Student Travel Insurance
This kind of plan is exclusively designed for students studying abroad. Such a plan covers medical emergencies, study interruption, loss of documents, and sponsor protection. It provides financial security while living overseas.

Inclusions of Travel Insurance for USA 

Just like any other insurance type, travel insurance policies for the USA offer different levels of coverage. However, the typical inclusions are usually as follows — 

• Trip Cancellation or Trip Curtailment 
• Travel Delay 
• Missed Departure 
• Loss or Passport and/or other Travel Documents 
• Personal Money 
• Legal Expenses 
• Credit Card Fraud
• Personal Liability 
• Personal Accident 
  • Permanent Total Disablement 
  • Accidental Death (Common Carrier) 
  • Accidental Death or Dismemberment 
• Personal Possessions 
  • Baggage Delay 
  • Valuable/ Valuables 
• Emergency Medical and Other Expenses 
  • Emergency Family Travel 
  • Repatriation of the Deceased 
  • Transportation and Accommodation Expenses 
  • Emergency Dental Expenses 
  • Funeral Expenses 

Exclusions of Travel Insurance for USA From UAE

While travel policies are quite useful, they still don’t cover a few scenarios. Here’s a common list of circumstances not covered by travel insurance USA —

• Cost of faxes, phone calls, and meals
• Claims made during a war, invasion, civil unrest, act of foreign enemy, revolution, or a similar situation
• Trip curtailment or cancellation due to any pre-existing medical condition at the time of taking the policy
• Claims made in case you get involved in any reckless, illegal, criminal, or malicious act 
• Vehicle or motor racing of any kind 
• Health issues arising due to excessive consumption of alcohol or drugs

US Travel Insurance Optional Coverage 

Travel insurance USA often provides add-on covers. For a small additional price, you can include them in your policy. While the add-ons may vary for each insurer, you can check out the standard ones below —

USA Visa Requirements from the UAE 

Getting a visa is necessary when planning your visit to the US. Let’s look into the types of visa available and the application process —

Types of USA Visas

The common visa types include —

• B1 Visa: For business purposes, meetings, and conferences
• B2 Visa: For tourism, family visits, or medical treatment
• F1 Visa: For academic studies and educational programs
• J1 Visa: For cultural exchange or internship programs
• H1-B Visa: For skilled employment in the United States
• L1 Visa: For intra-company transfers, within an MNC from UAE to a U.S branch

Application Process Explained

1. Determine visa type: Select the visa category based on your purpose of visit
2. Complete DS-160 form: Fill out the online non-immigrant visa application at ceac.state.gov
3. Pay visa fee: Make the required payment online or through designated banks
4. Schedule appointments: Book both the fingerprint appointment (VAC) and visa interview at the U.S. Embassy or Consulate in Abu Dhabi or Dubai
5. Attend interview: Make sure you have all the necessary documents such as passport, DS-160 confirmation, appointment letter, financial proof, and travel itinerary (a complete list of documents has been mentioned in the next section)
6. Visa processing: Once approved, your passport will be returned with the visa stamp

Which Travel Documents Do You Need For Travelling to the USA?

While travel insurance for the USA is quite important, you still need to submit a few documents for verification as per the US authorities. Refer to the following checklist below —

📝Note: The concerned authority may require additional documents based on your visa type. 

How to Buy Travel Insurance for the USA via Policybazaar.ae?

Securing your trip with USA travel insurance is a smart choice. For a small premium, you can get financial protection against unforeseen events. Let’s see how you can buy a suitable policy effortlessly through our digital platform —

1. Click here to get the lead form
2. Enter the asked details 
3. Submit it — this will take you to the quotes page 
4. You will find several plans as per your preferences
5. Shortlist, compare, and select a plan 
6. Proceed towards the payment section 
7. Complete the necessary on-screen steps and receive your policy documents

If you have any queries regarding US travel insurance at any point, feel free to contact us!

Buying a policy through us gives you several perks —

✨ Explore top plans from the leading insurers in the UAE

✨ Get assistance from our experts for all your travel insurance needs

✨ Compare plans from various providers and find the right one for your requirements

✨ Buy a policy in minutes without any inconvenience 

Places To Visit During USA travels

Having covered the USA travel insurance and the visa part, let’s turn our attention to something more fun. While you’d certainly have planned out your trip, here are some popular destinations that you can add to your itinerary.

New York City, New York

The ‘City That Never Sleeps’ has a mix of culture, history, and excitement. Watch the Statue of Liberty, stroll through Central Park (not Central Perk, for ‘Friends’ fans!), and enjoy the dazzling lights of Times Square. The city’s world-class museums, like the Metropolitan Museum of Art and MoMA, showcase human creativity at its finest. 
Wait! There’s more. Explore Broadway shows, try out diverse cuisines, and experience the pulse of Wall Street. Whether you’re watching the skyline from the Empire State Building or walking the Brooklyn Bridge, New York City is a must-see destination. 

Washington DC 

The city is USA’s political capital and home to the White House and the Capitol. In addition, it houses the Lincoln Center, and the Smithsonian Museum, among other national treasures.

Grand Canyon, Arizona

One of the world’s natural wonders, the Grand Canyon is known for its vastness and breathtaking beauty., Its layered red rock formations explain the geological evolution. You can hike along the South Rim for panoramic views, go on a mule ride to the canyon floor, or enjoy a thrilling rafting adventure. 
Sunrise and sunset here paint the cliffs in mesmerizing hues of gold and crimson. The Grand Canyon National Park is quite adventurous, making it a bucket-list destination for nature lovers.

Yellowstone National Park, Wyoming

Yellowstone is America’s first national park, extending to Wyoming, Montana, and Idaho. Here, you can find the iconic Old Faithful geyser, colorful hot springs, and abundant wildlife, including bison, elk, and bears. From lush forests to dramatic canyons and tranquil lakes, you can experience it all. 

Go on a hike to scenic trails, camp under starry skies, or simply admire nature at places like the Grand Prismatic Spring. Yellowstone’s exceptional beauty, adventure, and ecological diversity make it one of the most remarkable destinations in the USA.

Los Angeles

The city is in the state of California on the USA’s west coast and is home to Hollywood – the cinema capital. In addition, picturesque beaches dot its shoreline, attracting international tourists from every corner. 

Las Vegas

Las Vegas is often called the ‘Entertainment Capital of the World’, and for good reason! 
It glows with its neon lights, luxury resorts, and amazing nightlife. The Las Vegas Strip is a playground of themed casinos, high-end shopping, and world-famous shows. 
Enjoy gourmet dining by celebrity chefs, ride the High Roller Observation Wheel, or take day trips to the Hoover Dam and Red Rock Canyon.

Walt Disney World Resort 

The theme park attracts over 17 million annual visitors and is equally popular among children, adults, and the elderly. The magical memories of a family visit to the park lingers for a long time in your mind. 

The Best Time To Visit The USA

Visitors throng the US shores throughout the year, and it is among the most travelled destinations. However, the country is vast and experiences varied weather conditions. Accordingly, the spring months from March to May are the best time for indulging in outdoor activities for their mild and pleasant temperatures. 

On the other hand, the autumn months of September and October experience high footfall while avoiding the winters for their harsh climate. Whatever your time of visit, plan well in advance and ensure buying a travel insurance USA policy to shield from the travel uncertainties.  

How To Buy Travel Insurance Online USA Policy?

The cardinal point to remember while contemplating travel insurance USA policy is that one size does not fit all. And, you have multiple choices while doing so in the UAE. Some international insurance brands operating in the UAE that provide tailored insurance covers to meet your needs, include AXA, RSA, AIG, QIC (Qatar Insurance Company), and the Orient, to name a few. Moreover, they offer the online route to help indulge in USA travel insurance comparison before buying in a few simple steps. You can also do it via Policybazaar.ae.

1. Provide the trip details and travel plan when in the USA  
2. Choose the preferred insurance plan: UAE insurers provide multiple options with variable coverage to tailor according to your specific requirement and make it affordable. 
3. Input personal details and information regarding each traveller
4. The final step involves online payment of the premium and the issue of the insurance policy document instantly. 

You can purchase travel insurance plans in the UAE in different classes. Accordingly, the coverage limits vary for USA travel. In addition, all the offered travel insurance USA-specific plans provide adequate Covid-19 coverage in varying amounts. However, consult individual insurance policy documents before selecting the most appropriate. 

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