Bajaj Allianz Travel Elite vs ICICI Lombard Travel USA
ICICI Lombard Travel USA runs roughly $145 for a typical trip — noticeably less than Bajaj Allianz Travel Elite at around $495. The question is whether the savings come at the cost of coverage you'll actually use. We break down what that means for a real hospital visit.
Bajaj Allianz Travel Elite carries this one 8 to 3. The decisive lines are pre-existing condition cover and lowest deductible; the consolation for ICICI Lombard Travel USA is typical premium band and age eligibility.
Side-by-side: who wins what
| Feature | Bajaj Allianz Travel Elite | ICICI Lombard Travel USA | Winner |
|---|---|---|---|
| Coverage limit | $500k | $500k | |
| Lowest deductible | - | $100 | Bajaj Allianz Travel Elite |
| Pre-existing condition cover | Limited | Acute-onset | Bajaj Allianz Travel Elite |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Mid | Bajaj Allianz Travel Elite |
| Typical premium band | ~$495 | ~$145 | ICICI Lombard Travel USA |
| Avg claim settlement | 19 days | 30 days | Bajaj Allianz Travel Elite |
| Age eligibility | 1-80 | 0-99 | ICICI Lombard Travel USA |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $500k | |
| 24×7 support | Yes | Yes |
Where they're the same
- Bajaj Allianz and ICICI Lombard both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
Direct billing depends on hospital
PED acute-onset cap is $25k, lower than premium peers.
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BackToIndia is independent — we don't sell Bajaj Allianz Travel Elite or ICICI Lombard Travel USA and earn nothing from either Bajaj Allianz or ICICI Lombard. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.