Reliance Travel Care USA vs Travelex Travel Select
Reliance Travel Care USA is underwritten in India by Reliance General; Travelex Travel Select 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. We break down what that means for a real hospital visit.
Travelex Travel Select carries this one 4 to 0. The decisive lines are typical premium band and age eligibility; the consolation for Reliance Travel Care USA is a couple of secondary lines.
Side-by-side: who wins what
| Feature | Reliance Travel Care USA | Travelex Travel Select | Winner |
|---|---|---|---|
| Coverage limit | $250k | $250k | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Large | |
| Typical premium band | ~$255 | ~$165 | Travelex Travel Select |
| Avg claim settlement | 23 days | 25 days | |
| Age eligibility | 1-70 | 0-84 | Travelex Travel Select |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $250k | $1M | Travelex Travel Select |
| 24×7 support | Yes | Yes |
Where they're the same
- Reliance General and Travelex 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.
PED limited to acute onset only
Not auto-renewable; PED window is brief.
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Treat this page as a decision aid, not insurance advice. We have no commercial relationship with Reliance General or Travelex; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.