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All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:We are trying to buy Visitors to US Medical Insurance from you ... To whom it may concern, My wife and I are Canadian Citizens spending winters down in Mexico, traveling by car back and fro. We left Edmonton, Alberta on Oct. 15, 2013, and now are returning, leaving from Mexico on April 01, 2014. We will be crossing into the US through Nogales, AZ, and into Canada on Apr. 05, 2014 through Sweetgrass, MT. I was trying to buy your Visitors to US medical insurance, but when I wanted to pay by Credit Card the application would show an "Error" message, and an "Invalid" red caption next to our home phone number, a phone number which is mandatory information that you require. The reason for this "error" is simply that we cancel our home phone service when we leave Canada for six months of winter in Mexico. The number I used was our last home phone number, which if still available we will be getting once again. My question to you: how can I get around this "invalid" phone number to buy my policy, and my wife's. Please answer at your earliest convenience. Thank you,

A:
I suggest that you try entering only the numbers and no brackets. We definitely do not check whether the phone number itself is a working number or disconnected or not. It just checks the format of the number entered. Please let me know if you have any other questions.
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Q:visitors insurance for your parents Thank you for your interest in purchasing visitors insurance for your parents. I got your email address from my college classmate. I suggest that you visit our web site at <a href='/'>https://www.insubuy.com</a> and enter some basic information. You will see many different plans along with the prices and their benefits. You can compare them side by side and you can make an instant purchase online. You can also call our office and we would be glad to go over various options and suggest you the most suitable plan for your needs.

A:
thanks for the Mail and information ! I would go through the same and call your office. But just in case if there is some thing handy , I am sharing my major concern/objective for the right fit: I am in particular looking for an insurance which covers the pre-existing heart conditions, even though travelers have been in good shape after the first incidence 13 yrs ago. thanks and regards Regarding pre-existing conditions, please read /visitor-medical-insurance-pre-existing-conditions/ Please read the following FAQ also: /visitor-insurance-acute-onset-of-pre-existing-conditions/ and /visitors-insurance-usa-heart-attack-coverage/ I believe that it will answer all of your questions. If you have any other questions, please feel free to contact us at any time.
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Q:Please help me to select correct insurance plan for my mother, visiting USA in April Hello, I am confused with many insurance options on your web-site. My mom, who is a citizen of Ukraine and is 49 years old, will be visiting me in the USA for 27 days. She will be staying in South Florida all the time. She doesn't plan to do any extreme sports. She plans to go to the beach. My mother is traveling through France (connecting), and I would like to purchase insurance that: - will cover emergency in the USA (and in France if needed. She is just connecting in France, not staying) - will be used without problems in Florida, Ft.Lauderdale / Miami / Marco Island / Naples / Tampa areas. Hospitals in Florida are very picky with insurances because of high level of fraud - will have $100,000 coverage (or $50K) - 0 deductible - most important that if any emergency happens, I don't have to deal with submitting claims. Claims have to be submitted by hospital / doctor. I am more concern about case of emergency: where the ambulance has to be calls, or she needs to go to emergency room / or stay in hospital. I don't want to pay any OOPs in case of emergency. Can you please help me to find the right insurance plan? Thank you.

A:
Thank you for your interest in purchasing visitors insurance for your mother. If you are looking for an insurance that is “If my mother gets sick, just cover everything, don’t ask me any questions or and don’t ask me to fill any forms. Just pay everything”, there is no such product available anywhere in the market. We offer several different products from different companies and each plan has its benefits and restrictions. Each plan pays for eligible claims according to the terms and conditions of the policy wording. You can certainly choose $50,000 or $100,000 policy maximum with $0 deductible and the plan that participates in PPO network that has many providers in your area. You can also choose the plan that will cover both in France and in the US. Therefore, I suggest that you visit our web site at https://www.insubuy.com and enter her details. You will see various plans and their prices and their details next to it. You can compare them side by side and make an instant purchase online. You can also read our Guide at /guide/ and that will give you a detailed guidance regarding how the process works. I hope that answers your questions. If you have any further questions, please feel free to contact us at any time.
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Q:Visitors insurance - special offers or concessions I and my wife were insured with you from March 2011 till Aug 2011 and we returned to India. Now we are planning to visit USA from 31 March 2014 till 25 aug 2014. Are there any offers/concessions for new policy we are planning to purchase-? Thanks

A:
Thank you for contacting us for your insurance needs. The prices you see on our web site at https://www.insubuy.com are the latest and final prices. As the prices are regulated by law, there are no special offers or concessions possible. Please let us know if you have any other questions.
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Q:Visitor insurance - Visiting from Australia I live in Australia-I will travel to Canada on September 17,2014-starting a cruise from Vancouver on 10/23/2014 to Hawaii/Tahiti/New Zealand and back to Australia on October 24th 2014. I have 2 coronary stents inserted after a mild heart attack in 2010-I also have hypertension which is controlled by medication. I have had no medical problems since 2010. What coverage can I get and for which countries at what cost? I am 57yrs old-will be 58 when I travel. What is the maximum I can take? Sorry I just found the wording/amount of the policy a little confusing.

A:
You can policy maximum anywhere from $50,000 up to $8,000,000. For any amount up to $1,000,000, please look at /patriot-america-lite-insurance/ For any higher amount up to $8,000,000, please look at /patriot-america-platinum-insurance/ Please note that those policy maximums are for new medical conditions, injuries or accidents that may occur after the effective date of the policy. For sudden and unexpected recurrence of the pre-existing conditions, the maximum coverage is $50,000. You will find all the details on the web site as well you can make an instant purchase online. If you have any other questions, please feel free to contact us at any time.
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Q:AM Best Rating Hello, I would like to buy medical insurance from you. I am trying to look up your AM Best Rating on their website, can you tell me what name should I use in the search. Atlas America does not bring up anything. Thanks,

A:
Thank you for your inquiry about Atlas America. Atlas America is just the name of the insurance product. The name of the insurance company is Lloyds. Also called, Lloyds of London. Therefore, that is what you have to search for. You can purchase it online at /atlasamerica-insurance/ 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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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling 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.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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Going 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.

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Are 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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling 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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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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