11 Travel Safety Tips for Americans Visiting India

10. Travel insurance & medical evacuation

Travel insurance is not just a nice-to-have; for international trips it can be a trip-saver if medical care or evacuation is needed. Choose a policy that covers medical treatment abroad, emergency medical evacuation, trip interruption, and repatriation of remains if necessary. Check policy limits, exclusions, and whether pre-existing conditions are covered or require a rider. Examples of companies offering global services include International SOS and Allianz Global Assistance, but compare coverage details and read independent reviews before buying. Save your insurer’s emergency hotline and policy number in your phone and on paper so you can call quickly if an incident happens. If serious medical care is required, call the insurer first if possible; they can advise on approved hospitals and coordinate evacuation if necessary. Keep copies of medical records and medication lists in case you need treatment in a different city. For activities like high-altitude trekking or motorbike rental, confirm the policy covers those risks and add adventure coverage if needed. Store receipts and documentation for any medical spending to submit claims later. Remember, a modest insurance premium can protect you from costs that would otherwise be extremely high.