Once the application is submitted the process takes 2-3 weeks.
No, the visa fee is non-refundable in case of rejection as granting the visa is purely on the discretion of the embassy.
You will receive a receipt which has the embassy number you can call and check if they need any additional documents.
You don't need a travel Insurance for US Visa
Yes, hotel booking is one of the main criteria for a visa application. Without which your visa will not be processed.
No, you can't travel to any Schengen Countries and UK
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