ICICI Lombard Travel USA Standard vs Travelex Travel Basic
ICICI Lombard Travel USA Standard is underwritten in India by ICICI Lombard; Travelex Travel Basic is a US-based plan from Travelex. That changes who handles claims, how disputes are resolved, and what currency the premium and deductible sit in. Read on for the line-by-line scorecard.
ICICI Lombard Travel USA Standard carries this one 7 to 4. The decisive lines are coverage limit and direct billing at hospitals; the consolation for Travelex Travel Basic is typical premium band and age eligibility.
Side-by-side: who wins what
| Feature | ICICI Lombard Travel USA Standard | Travelex Travel Basic | Winner |
|---|---|---|---|
| Coverage limit | $100k | $50k | ICICI Lombard Travel USA Standard |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | No | ICICI Lombard Travel USA Standard |
| Hospital network size | Large | Large | |
| Typical premium band | ~$178 | ~$100 | Travelex Travel Basic |
| Avg claim settlement | 22 days | 28 days | ICICI Lombard Travel USA Standard |
| Age eligibility | 1-70 | 0-79 | Travelex Travel Basic |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $250k | $500k | Travelex Travel Basic |
| 24×7 support | Yes | Yes |
Where they're the same
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
- Both lean on a large US hospital network, so finding an in-network ER usually isn't the bottleneck.
Cap may be insufficient for major hospitalization
Lower medical caps; PED is acute-onset only.
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This comparison reflects publicly available ICICI Lombard and Travelex plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official ICICI Lombard Travel USA Standard and Travelex Travel Basic certificates are the source of truth.