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Q:Request for insurance details We wanted to invite our parents to visit us in USA. For my mom, I wanted to buy Patriot America Plus and for my dad I wanted to buy Patriot America. Patriot America plus insurance says it covers "acute onset of pre-existing condition" . We are planning to take a coverage of $500000 for my mom. I was wondering what does "acute onset of pre-existing condition " mean? what all is covered and how much is covered for the acute onset of pre-existing condition? My mom had a heart surgery couple of years back around 2012 and see is doing good since then. We wanted to know, if for some reason after coming to US, due to various factors like weather change.. etc, , if unexpected outbreak occurs of this pre-existing condition occurs, will the insurance cover for this case and how much will it be covered for this case? For my father and sister , we plan to take the insurance Patriot America. Was wondering if the insurance will also be covered during travel(Ex during flying from India to USA and from USA to India.) Also had the following queries * How many days before we need to apply for insurance * If we choose to go to providers that are out of network, how does the insurance work? (Will there be a direct billing from insurance company to the hospitals and how much will the insurance pay). I am assuming if we choose to go to in- network providers, there will be direct billing, let me know , if I am wrong. * How much will it cost, if I plan to take insurance for around 5 and I/2 months for them[ Mom with 500,000 Patriot America plus coverage and Dad and sister with patriot America coverage of 50,000 * If we plan to renew further, how many days before we need to apply for renewing and how many months further we can renew?
A:
{{currentOrigin}}/answers/visitors-insurance/request-for-insurance-detailswe-wanted-to-invite-our-parents-to-visit-us-in-usa-for-my-mom-i-wanted-81000/1. Please read /visitor-medical-insurance-pre-existing-conditions/ to understand Acute onset of pre-existing conditions. 2. Patriot America will cover during travel time as well. 3. You can purchase the insurance at any time at https://www.insubuy.com Insurance will start as early as the next day or any future date you specify. 4. Please read /what-is-visitors-insurance/ and /international-travel-insurance/. 5. You can get the quotes online at https://www.insubuy.com 6. You can renew at any time before it expires. Please let us know if you have any other questions. Thanks for the information. One more query I had was, after purchasing the insurance, on the site it says that we can print the insurance ID online. Will it be sufficient just to print the ID online and show this printed ID to Hospitals/doctors office.? Or will we get a card mailed to our home address and we are supposed to show only the card which was mailed to us to doctors office/ hospitals? If worst case, something happens while travelling by the plane , If we show the printed ID generated online to hospital/Doctors office will that be accepted? As soon as you purchase insurance will receive insurance card by e-mail. Which will have link to print documents like id card, coverage letter etc. Physical card will be mailed to you next business day at the address you provide in the application so you should receive in 5-7 business days. Meantime, if you need to use the insurance you can use virtual id card. It is as good as physical card just like e-ticket. Please visit our website at www.insubuy.com Please feel free to contact us if you have any further questions.
Q:Coverage for my newborn who is a U.S. citizen Hello, Me and my partner are planning to have a baby through surrogacy in the US. We are Belgian and live in Belgium. We plan to implant a single embryo to avoid risks of having twins. We would like to know if you can propose an health insurance policy to cover the firsts weeks of our future newborn while in the US (Just after birth) and before going back home in Belgium. Thank you very much for your answer.
A:
{{currentOrigin}}/answers/visitors-insurance-usa/coverage-for-my-newborn-who-is-a-us-citizenhello-me-and-my-partner-are-planning-to-have-a-baby-thro-20674/We do not have any plans that will cover only a newborn U.S. citizen.
Q:Good day Kindly requesting medical insurance for visitor travelling to USA. Date of Birth: 03 January 1946 Dates of travel to USA: 4th October - 11 November 2016 Citizenship: Tanzanian
A:
{{currentOrigin}}/answers/visitors-insurance-usa/medical-insurance-for-travel-to-the-united-states-of-america-26028/Thank you for your interest in purchasing insurance through us. As a broker we provide insurance from many companies available in US market. All the plan fall into two categories. Fixed and comprehensive plan. Fixed plan costs less and provide limited coverage while comprehensive plan are very similar to domestic short term plan. Under Fixed category: you can purchase Safe Travels for Visitors to USA. Safe Travels USA Comprehensive insurance. You can compare these plans with other plans on the website. Please enter appropriate criteria. You will find many plans and select the plans you want to compare and click on compare. Please let us know if you have any further questions.
Q:I have the following queries, after reading the "certificate wording" document.: 1) Is the ATLAS INTERNATIONAL policy for US citizens only, or for a person of any nationality? 2) Does this ATLAS INTERNATIONAL policy apply to Schengen region/visa-holders only, or for anywhere in the world, except USA? 3) In the "certificate wording"and "Brochure"document, there is no mention of the altitude till which a trekking activity is covered by Atlas. Can you let me know the altitude limit which is covered? 4) Page # 11-12 in the "certificate wording"document contains paragraphs on "Emergency medical evacuation". Is this service provided within the premium cost of basic coverage (as found in the "Quotes and Purchase" section) or is there any additional amount to be paid extra to be covered under "Emergency medical evacuation"? Please confirm. 5) What is the process for pre-authorization/approval before an emergency medical evacuation? Do I need to call to a particular number to inform the situation? If yes, what's the number and is that line available 24*7 ? 6) Who arranges/contacts a local agency for emergency evacuation vehicle such as a ground vehicle or a helicopter? 7) Is there a group policy? Or do we need to purchase individual policies only from Atlas? Thank you for clarifying doubts. We are 7 team members for trekking activity to be done in Nepal Himalayas. We would take a call after understanding the Insubuy/Atlas policies.
A:
{{currentOrigin}}/answers/international-travel-health-insurance/questions-about-the-atlas-international-plan-certificate-wording-10134/1. Atlas International plan is for US/NON USC who needs coverage outside their home country and US. 2. Atlas International plan will provide coverage anywhere in the world except US and home country. It provides coverage for Schengen visa also. It's not only for one purpose. 3. Please take a look at the Certificate Wording for the plan. Page 18 exclusion #37 (b) 4. Yes. 5. Yes. Number on the insurance card. You have to make all the arrangement by the insurance company in order to get evacuation benefits. Please read certificate wording. Page 12 B. Under eligible expenses- Emergency medical evacuation. Look at the sample id card. 6. Assistance company. 7. You can do group policy. With minimum 5 members in the group. You can also take a look at the Atlas Group Policy.
Q:Parents visiting USA; Insurance needed My parents are visiting US for 6 months. My mom is 60 years old and my data is 71 years old. Can you help me to decide between Patriot America and Safe Travels USA Cost Saver plans? The exclusions and Limitations of Safe Travels USA Cost Saver (in the certificate wording) seems to have more conditions listed than Patriot America. But when I use your compare tool, the conditions covered seems to be similar. Which one do you suggest for my parents considering their age.
A:
{{currentOrigin}}/answers/visitors-insurance/parents-visiting-usa-insurance-neededmy-parents-are-visiting-us-for-6-months-my-mom-is-60-years-old-36980/It is not possible to list all the possible scenarios or conditions in the comparison. It is meant to be an overview only. You are doing the right thing by looking at the details in the certificate wording. I would recommend you to purchase Patriot America, available for instant purchase at /patriot-america-lite-insurance/ You can also look at Safe Travels USA Comprehensive insurance for age 70+. Which provides coverage for acute onset of pre-existing conditions up to age 89 yrs. . Please find more details in certificate wording in the link below. /safe-travels-usa-comprehensive-insurance/ You can also compare them at www.insubuy.com Please feel free to contact us if you have any further questions.
Q:Buying Comprehensive plan for my elderly parents I am planning to buy comprehensive medical insurance policy for my parents scheduled to visit in July this year and will stay for two and half months in USA. My father is aged 77 years and my mother is aged 67 years. Can you suggest a suitable plan for a coverage up to $100,000 for each? Also both of them are physically fit but take medications for blood pressure and blood sugar. Will this be considered as pre-existing medical condition? I would like to understand how such situations are dealt if they suffer from any aggravated condition due to such ailments, I would appreciate a quick response,
A:
{{currentOrigin}}/answers/visitors-medical-insurance/buying-comprehensive-plan-for-my-elderly-parentsi-am-planning-to-buy-comprehensive-medical-insurance-21832/You can consider purchasing Atlas America plan for your mother at /atlasamerica-insurance/ Yes, those conditions will be considered as pre-existing conditions. Insurance will not pay for any routine dr. visit for the existing conditions. However Atlas America provides acute onset of pre-ex up to age 69 yrs while Safe Travels USA Comprehensive plan provides coverage for acute onset of pre-existing conditions up to age 89 yrs but it has exclusion for cardiac disease and conditions. Please find more information at /visitor-insurance-acute-onset-of-pre-existing-conditions/ You can compare these plans at www.insubuy.com If you have any other questions, please feel free to contact us at any time.
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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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Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
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.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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