Tower Hill Travel Insurance
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Visitor Insurance for India

Visitor Insurance for Indians Visiting the USA

Indian health insurance — ECHS, CGHS, Star Health, or any private plan — does not cover a single rupee of medical costs in the United States.

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The Coverage Gap

Indian Health Plans Have Zero Coverage in the USA

Whether you have government coverage (CGHS, ECHS) or the best private plan in India (Star Health, Max Bupa, Religare), your insurance stops at the Indian border. The United States does not have a reciprocal healthcare agreement with India, and American hospitals will bill you directly — in full — for every service. A single ER visit in the USA can cost more than ₹10 lakh. A hospitalization can exceed ₹1 crore.

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India is the #1 source of visitors to the USA — and the most common reason families face financial ruin is an uncovered medical emergency.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0–$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Can I buy visitor insurance for my parents visiting from India?
Yes — and this is one of the most common purchases we process. You can buy a plan for your parents online in minutes, even before they travel. Plans are available for travelers up to age 99, and many options include coverage for the acute onset of pre-existing conditions like diabetes and hypertension.
Do Indian visitors need travel insurance for a US visa?
Visitor insurance is not a mandatory requirement for a B-1/B-2 tourist visa, but US consulates strongly advise it. For J-1 and F-1 visa holders, insurance meeting specific coverage minimums is required by law.
What does 'acute onset of pre-existing conditions' mean?
It means if your parent has a known condition like diabetes or heart disease, and they have a sudden unexpected medical emergency related to that condition (not routine care), it can be covered. This is critical for older Indian visitors who often have chronic conditions.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.
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Protect Your Trip to the USA

Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.

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Texas License #2608479TX · A-rated carriers · 151 countries covered