India Travel Insurance should be carefully considered by anyone traveling to India, whether for business, tourism or any other purpose. You may be looking for USA to India travel insurance, or international travel insurance in India when traveling from any other country. In either case, getting the correct coverage is essential. 

India is a vast country, with a wide variation of geography. Most people need a visa to travel to India, which you can get at the Indian consulate near you. However, the citizens of many countries can get an eTourist visa (or eTV), which you must apply for online at least 72 hours in advance. Once you arrive at the airport, the visa will be stamped.

India has many tourist places. The capital New Delhi has parliament, the president's house, Kutub Minar, Red Fort, Akshar Dham, India Gate, Humayun's tomb and many other tourist places to visit. Several hours away on Yamuna Expressway is Agra, where the Taj Mahal is located. The Taj Mahal is a marble tomb that the emperor Shah Jahan built in memory of his wife, Mumtaz Mahal. The Taj Mahal is considered a wonder of the world.

The western state of Rajasthan has many famous cities, such as Jaipur, Jodhpur, Jaisalmer, Udaipur and Bharatpur. Each city has many famous forts and palaces that show the royal history and vibrant culture. The best way to visit them is to take a cruise train, such as the Palace of Wheels or Maharaja Express. It is a lifetime experience.

The state of Gujarat has the Gandhi Ashram in Ahmedabad, where Mahatma Gandhi used to stay.

For nature lovers, the beaches of Goa and Kerala are fantastic. They offer warm temperature year-round. Kerala also has unique backwaters to cruise in. There are many hill stations in South India, such as Ooty and Kodai Kanal.

While visiting India, you should not drink tap water or eat anything that is not cooked well. That means you should avoid anything cold, such as salads or fruits (unless you cut them yourself). Drink only boiled or bottled water. Avoid eating spicy food. Many westerners are merely not used to handling spicy food or contaminated water. Therefore, you should avoid ice cubes as well.

India has many languages, including 22 official languages. Different languages are spoken in various states. However, English is widely spoken and understood. Hindi is the most commonly spoken Indian language.

Be aware that the North Indian Ocean tropical cyclone season runs between April and December of each year, most frequently between April and June and then from September to December. Storms in this second peak period tend to be the strongest. Tropical cyclones, also known as hurricanes or typhoons in different parts of the world, form in both the northern part of the Indian Ocean as well as in the Bay of Bengal before coming ashore. If you’re traveling to India during this time, make sure that your India travel insurance plan includes tropical cyclone coverage for peace of mind and financial security.

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Even though you should tip around 10 percent at restaurants, tipping the taxi driver is not expected.

Before visiting India, it is a good idea to get proper vaccines, such as for typhoid, tetanus and Hepatitis A. Visit your nearby travel health clinic for them. Additionally, you should also start taking malaria medicine (Mefloquine) once a week for one week before visiting India, once every week while in India and once a week for four weeks after arriving back home from India. That will help protect you against the mosquito-based disease.

If you get sick or injured while visiting India, visiting a public hospital is not a good idea, as the quality of care is very questionable. You should instead visit a private hospital, but they will not treat you unless you pay them money upfront or are willing to work with the insurance company.

Therefore, it is always a good idea to purchase proper travel medical insurance while visiting India.

Current COVID-19 Entry Rules for India

As of February 14, 2022, the rules for entry to India in regard to COVID-19 testing and quarantine are as follows, and replace the rules put in place in December, 2021:

• Prior to departure, each traveler age five years and older is required to upload a self-declaration form via the Air Suvidha Portal. You must upload your Air Suvidha information, including your proof of vaccination, prior to picking up your boarding card. 
• Visitors who are fully vaccinated with a WHO-recognized vaccine, or traveling from a country that has a mutual vaccine certificate agreement with India, are no longer required to present a negative COVID-19 test on arrival. India currently has such agreements in place with 89 countries, including the USA and the UK. Travelers must upload their documentation alongside their self-declaration form. 
• Those who are not fully vaccinated with a WHO-recognized vaccine or not from a country that shares one of the abovementioned agreements will be required to upload a negative RT-PCR test taken no more than 72 hours prior to departure. 
• Once arriving at your departure airport, you must present your proof of vaccination, and you will be screened. If you show COVID-19 symptoms, you will not be allowed to board your flight, and will be taken to a medical facility. You may also be subject to random COVID testing.
• Upon arrival in India, you are no longer required to quarantine. You are instead asked to self-monitor for COVID-19 symptoms for a period of 14 days after arrival. 

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DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.

The insurance plans available on this website are not specifically targeted towards the destination mentioned in this article. They can provide coverage while traveling away from home, according to the terms and conditions and geographic restrictions applicable to the specific plan.