The cheaper premiums from India based visitor medical insurance providers may be tempting to buy, but also ascertain the acceptability of India based plans by US based health care providers like doctor offices, hospitals, laboratories, etc. A USA based visitor health insurance plan such as Atlas America Insurance, Patriot America Insurance, Liaison Continent Insurance, etc is regulated in the US and hence are more widely accepted. Acceptability is the key test to judge any plan, what good is any plan if does not pass this key test in the hour of emergency. Do you really want to scramble with the providers to accept the plan is this critical time or go with a US based plan that have wider acceptability worldwide, and premium costs just a little more.