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

India's Ayushman Bharat–PM Jan Arogya Yojana (AB-PMJAY) and CGHS for central government employees cover hospitalisation within India only — neither scheme has any US network affiliation. India and the United States have no bilateral healthcare agreement, so every dollar of a US medical bill is your responsibility. A single night in a US hospital averages $11,700; an ambulance ride alone runs $1,200–$2,700. With 4.4 million Indian-Americans concentrated in the Bay Area, New York, New Jersey, and Texas, the risk is real. Parents visiting on a B-2 visa are especially exposed — one cardiac event can exceed ₹80 lakh out of pocket.

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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 — this is the most common purchase 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 most options include coverage for the acute onset of pre-existing conditions like diabetes and hypertension — critical for Indian parents visiting on a B-2 visa.
Do Indian visitors need travel insurance for a US visa?
Visitor insurance is not mandatory 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. Providing proof of insurance with your B-2 application can also strengthen your case by demonstrating financial responsibility.
What does 'acute onset of pre-existing conditions' coverage mean?
If your parent has a known condition like diabetes, hypertension, or heart disease, and they suffer a sudden unexpected emergency related to it — like a heart attack or diabetic crisis — the plan can cover that emergency treatment. Routine follow-up care or elective procedures are not covered. This benefit is essential for most Indian parents visiting the USA.
How much does visitor insurance cost for Indian visitors?
Plans start from about $1.10–$2.00 per day. A healthy adult under 60 visiting for 30 days typically pays $35–$80. Seniors over 70 or those requesting pre-existing condition coverage will see higher rates. Get an exact personalized quote instantly — no personal information required.
Which visitor insurance plan is best for Indian parents visiting the USA?
For most Indian parents, we recommend IMG Patriot America Plus for its acute onset pre-existing condition coverage and A-rated carrier status. For seniors with serious cardiac history, WorldTrips Atlas America offers up to $2,000,000 in coverage. Trawick Safe Travels USA Comprehensive is a strong value option. Compare all three side-by-side with our free quote tool.
Does visitor insurance cover hospitalization in the USA?
Yes — all our plans cover inpatient hospitalization including room and board, physician fees, surgery, and intensive care. This is the most critical coverage for Indian visitors, since a single US hospital night averages $11,700. We recommend plans with $100,000 or higher coverage limits, especially for elderly parents.
Can visitor insurance be extended if my parents stay longer than planned?
Yes — most plans are renewable online before the policy expires, as long as no claim has been filed and the traveler has not been hospitalized. Simply log in to the insurer's portal or call customer service to request an extension. We recommend extending at least 5–7 days before the expiration date.
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.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Indians in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for Indians.

Read Guide
Parents Guide

Visitors Insurance for Indians Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting India

Your US health insurance won't cover you in India. Compare international plans for Americans.

Read Guide

For Indians Traveling to Other Countries

International Travel Insurance for Indians

Planning a trip to Europe, Asia, or beyond? India's health coverage provides no protection abroad. Compare plans for Indians traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇦🇺Australia🇨🇦Canada🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇬🇧United Kingdom🇵🇭Philippines🇨🇳China🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia🇳🇬Nigeria
Browse all 194 countries →See all visitor insurance plans →
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