Who is travelling?
A single US hospital visit can wipe out your savings. A single US hospital visit can wipe out your family's savings.
With TripKavach, you're protected when it matters most.
Emergency travel coverage for Indians traveling to America. Direct hospital payment, zero deductibles. From $4.35/day.
Emergency travel coverage for your parents and family visiting the US. Direct hospital payment, zero deductibles. From $4.35/day.
Coverage for travel emergencies, not a substitute for health insurance. Subject to plan terms.
US healthcare costs can be significant without coverage
Indian health insurance typically does not provide coverage in the US. Without coverage, a single accident or illness could leave you with a bill larger than your entire trip budget.
Thousands of Indian travelers handle this the same way.
They get TripKavach before the flight. If an emergency happens, we coordinate with the hospital, handle the payment, and guide you through every step, any time of day.
Indian health insurance typically does not cover your family while they're in the US. A single emergency room visit could land a bill larger than the whole trip.
This is how Indian families protect their visiting parents.
Buy TripKavach before they fly. If an emergency happens, the plan coordinates with the hospital and helps handle the payment — subject to plan terms.
Get covered in 3 minutes
Enter your trip details
Destination, dates, and your age. That's it — no medical questionnaire.
Pick your plan
We recommend the best coverage for your trip. Three clear options, transparent per-day pricing.
Travel covered
Pay online, get your policy instantly by email. Coverage starts on your departure date.
Cover your family in 3 minutes
Enter their trip details
Their travel dates and ages. You can do this from the US — no information needed from your parents yet.
Pick their coverage
We recommend a plan based on their ages and trip length. For parents over 60, we suggest higher medical limits.
They travel covered
You get the policy instantly. Forward the voucher and traveler guide to your parents by email.
Why travelers choose TripKavach
Why Indian families trust TripKavach for visiting parents
Direct hospital payment
In most covered emergencies, the hospital gets paid directly. You don't need to front $10,000 on a credit card and wait for reimbursement.
In most covered emergencies, we pay the hospital directly. Your parents won't need to figure out American medical billing — or ask you to wire money.
Subject to plan terms. Pre-authorization required for non-emergency care. Direct payment not available at all facilities; reimbursement may apply.
Zero deductibles, zero copays
No hidden costs. No "first $500 is on you" surprises. The full coverage amount is what's available when purchased before departure.
Waiting period applies if purchased while already abroad.
Coverage up to age 84
Exclusively on daily plans.
BMI Financial Group
US-based, headquartered in Miami, Florida. 50+ years in international travel assistance. One of the largest assistance networks in the world.
(Excellent)
What travelers say about TripKavach
"Had a medical issue mid-trip. Called the number and they walked me through everything. It was taken care of."
Rakesh T. (VIP plan)
"Bought it just in case. Ended up needing it. They came through."
Meera K. (VIP Plus plan)
"Easy to buy and affordable. Good when I actually needed help."
Arjun D. (Ultra plan)
Individual experiences may vary. Coverage is subject to plan terms and conditions.
What Indian families say about covering their parents
"My mother had a medical emergency during her visit. Called customer service and they told us which hospital to go to. The assistance plan paid the hospital directly."
Neha P. (VIP Plus plan)
"Bought it before my parents' visit. My father ended up needing urgent care. This covered everything. We paid zero out of pocket."
Suresh A. (VIP plan)
"I get this every time my parents come visit. Honestly worth it just for the peace of mind."
Ananya S. (VIP Plus plan)
Individual experiences may vary. Coverage is subject to plan terms and conditions.
Choose your level of protection
All plans include zero deductibles.
Statistics based on BMI Travel Assist network data. Past performance is not a guarantee of future results.
Ultra
- Medical by accident/illness $30,000
- Pre-existing conditions $500
- Emergency dental $300
- Medical evacuation $30,000
- Trip cancellation $2,000
- Lost baggage $1,000
VIP
- Medical by accident/illness $100,000
- Pre-existing conditions $2,000
- Emergency dental $1,500
- Medical evacuation $100,000
- Trip cancellation $2,000
- Lost baggage $2,000
VIP Plus
- Medical by accident/illness $250,000
- Pre-existing conditions $6,000
- Emergency dental $1,700
- Medical evacuation Included
- Trip cancellation $2,200
- Lost baggage $3,000
Two plan types, based on trip length
Short visit (5 – 90 days)
Vacation trips, business travel, visiting family. You pay per day — only for the exact days you travel.
Parents visiting for a few weeks to a few months. You pay per day — only for the exact days they're in the US.
Ages up to 84 · From $4.35/day
Extended stay (60 days – 1 year)
Long-term work assignments, extended visits, recovery trips. Flat monthly pricing — often cheaper than daily rates for 60+ day trips.
Parents staying for the winter, extended grandparent visits, or helping with a new baby. Flat monthly pricing saves money on longer stays.
Ages up to 65 · From $183 for 2 months
Don't worry about choosing — enter the travel dates and we'll automatically pick the most affordable plan type for you.
Common questions
What if my parents have pre-existing medical conditions?
All plans include coverage for pre-existing condition emergencies, from $500 (Ultra) to $6,000 (VIP Plus). This covers unexpected flare-ups and emergencies related to existing conditions. If your parents have chronic conditions, we recommend VIP or VIP Plus for higher limits.
My parents are over 70. Can they still get coverage?
Yes — we cover travelers up to age 84 on daily plans (5–90 days). Most competitors cap at 70 or 75. For extended stays over 60 days, the age limit is 65.
Can I buy this for my parents from the US?
Absolutely. Most of our customers do exactly this. You fill in the trip details and pay from the US. Your parents receive the policy documents by email, and you can forward the traveler guide to them.
How does "direct hospital payment" work?
In most covered emergencies, BMI Travel Assist may coordinate direct payment with the provider when available and authorized. Direct payment is not guaranteed at every facility, and some benefits or expenses may require reimbursement after documentation review.
What happens if something goes wrong after hours or on a weekend?
The BMI Travel Assist center handles emergencies around the clock. Your parents can reach it using the contact details on their voucher.
Is this actual insurance?
TripKavach plans are travel assistance products provided by BMI Travel Assist, a subsidiary of BMI Financial Group. They are not a substitute for health insurance, Medicare, or social security programs. They cover emergencies and unexpected events during international travel.
Can I cancel if plans change?
Cancellation before the effective date may be eligible for refund; no cancellation once active.
Is this actual insurance? Is it legitimate?
TripKavach plans are travel assistance products provided by BMI Travel Assist, a subsidiary of BMI Financial Group — a US-based company headquartered in Miami with 50+ years in the business. BMI has an AM Best A- (Excellent) rating. They are not a substitute for health insurance but cover emergencies during international travel.
How does "direct hospital payment" actually work?
In most covered emergencies, BMI Travel Assist may coordinate direct payment with the provider when available and authorized. Direct payment is not guaranteed at every facility, and some benefits or expenses may require reimbursement after documentation review.
What about pre-existing conditions?
All plans include coverage for emergencies related to pre-existing conditions, ranging from $500 (Ultra) to $6,000 (VIP Plus). This covers unexpected flare-ups, not routine care or follow-ups.
What's NOT covered?
Routine check-ups and wellness visits, elective or cosmetic procedures, pre-planned surgeries, substance abuse treatment, and injuries from extreme sports (unless covered by the amateur sports benefit). Always review the full conditions of coverage before purchasing.
Can I cancel if my trip plans change?
Cancellation before the effective date may be eligible for refund; no cancellation once active.
What if I need help at 2am?
The BMI Travel Assist center handles emergencies around the clock. Contact details are on your voucher.
How quickly are claims paid?
For direct hospital payments, we coordinate in real-time during your emergency. For reimbursement claims, review takes approximately 5 business days after we receive complete documentation, with payment issued within 30 days of approval.
Don't leave for the US without coverage
Get your personalized quote in 3 minutes. Coverage starts on your departure date.
Give your parents the protection they deserve
You can buy it in 3 minutes from the US. Coverage starts on their departure date.