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Ask Our Specialists
Parents visiting USA with Pre-existing condition Hi, i am planning to purchase medical insurance for my parents who will stay in US for four month. I have a question about one of benefits in your plan. My father had stent implantation surgery five years ago. If he feel uncomfortable, i take him to visit cardiologist. Does this belong to on-set of pre-existing conditions or general physical check up? Thanks
Hello, Thank you for contacting Insubuy for your insurance needs. Simply visiting a cardiologist for discomfort is considered to be a general physical check up with a specialist related to a pre-existing condition, and this is not typically covered. An acute onset of a pre-existing condition is something that is life threating . Please use the link below to see a detailed explanation on an acute onset of a pre-existing condition. Acute Onset FAQ; /visitor-insurance-acute-onset-of-pre-existing-conditions/
Thanks for your response. Actually i am planning to take my parents to cardiologist when they come US. Does this belong to routine physical check up? Is there a plan which fits my situation? Thanks
Hello, Unfortunately, there is no plan on the market that will cover for any routine checkups for visitors. There is no plan on the market that will cover such visits. If you are wanting to take them for a preventative checkup this will be any your own expense. If you need any further clarification please feel free to contact our office.
One more question. If my parents have a cold or something uncomfortable, they need to visit doctor. Is this covered by your insurance? Thanks
Insurance will pay for whatever treatment medically necessary as long as it’s not pre-existing or preventive care. So as long as cold or flu is new sickness that will be covered. Please read article below, /what-is-visitors-insurance/ Please visit our website at www.insubuy.com Enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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Healthcare costs are very high in the U.S.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
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