ICICI Lombard Travel USA vs Nationwide Prime
ICICI Lombard Travel USA runs roughly $145 for a typical trip — noticeably less than Nationwide Prime at around $210. The question is whether the savings come at the cost of coverage you'll actually use. Here's how each line of the policy actually plays out.
Nationwide Prime carries this one 6 to 3. The decisive lines are lowest deductible and hospital network size; the consolation for ICICI Lombard Travel USA is typical premium band and age eligibility.
Side-by-side: who wins what
| Feature | ICICI Lombard Travel USA | Nationwide Prime | Winner |
|---|---|---|---|
| Coverage limit | $500k | $500k | |
| Lowest deductible | $100 | - | Nationwide Prime |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Mid | Very large | Nationwide Prime |
| Typical premium band | ~$145 | ~$210 | ICICI Lombard Travel USA |
| Avg claim settlement | 30 days | 22 days | Nationwide Prime |
| Age eligibility | 0-99 | 0-89 | ICICI Lombard Travel USA |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $1M | Nationwide Prime |
| 24×7 support | Yes | Yes |
Where they're the same
- ICICI Lombard and Nationwide both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- 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.
PED acute-onset cap is $25k, lower than premium peers.
PED still acute-onset; ongoing treatment excluded.
Other comparisons you might want
More comparisons for ICICI Lombard Travel USA
BackToIndia is independent — we don't sell ICICI Lombard Travel USA or Nationwide Prime and earn nothing from either ICICI Lombard or Nationwide. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.