Ask Our Specialists

I am not aware of any such insurance plan available.

How old is she? What state will she be arriving in ? She is arriving in Maryland. By the way, why is it so important? It is important because "United States is not united for insurance purposes". E.g., there are some plans not available if the person has already arrived in NY state. If she is 65+, there are some available only during the first 30 days of arrival. In any case, it is best to buy the insurance before she arrives so that she is covered during travel as well. You can make an instant purchase online at https://www.insubuy.com If you have any other questions, please feel free to contact us at any time. Hi, Can you please provide more information on following questions. What is the meaning on term "ACUTE ONSET OF PRE-EXISTING CONDITION" Does Fixed Plan cover following? 1. Prescription drugs & Medicines? 2. Over the counter medicines? 3. Medical Lab Test? 4. X-ray? Does Comprehensive Plan cover following? 1. Prescription drugs & Medicines? 2. Over the counter medicines? 3. Medical Lab Test? 4. X-ray? Thanks, Acute onset of pre-existing conditions in Atlas America: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 lifetime maximum for eligible medical expenses and up to $25,000 lifetime maximum for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Both fixed coverage and comprehensive coverage plans coverage prescription drugs/medicines, medical lab test and x-ray, for the eligible medical expenses. However, how much they cover is different each type of plan. Please look at /visitors-insurance/ to understand the difference between fixed and comprehensive coverage plans. Over the counter medicines are not covered in either type of plans. In fixed coverage plan, I recommend Inbound USA Insurance. In comprehensive coverage plan, I recommend Atlas America Insurance. If you have any further questions, please feel free to contact us at any time.

1. One bad thing about the U.S. healthcare is that there is no way to tell for sure what the cost of the treatment would be, until you get the bills. All I can say that it would be a lot of cost. 2. Visitors insurance plans generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. There is no way for anyone to tell whether something would be covered or not as there is no way to make a decision in advance. I suggest that you read various articles in our 'Guide' section at /guide/ for further details. If you have any further questions, please feel free to contact us at any time or post them here.

You are welcome. We try to help in everyway we can, before, during and after purchase. 1. There have been no changes in Visitors Care since then. 2. That's right. 3. We always recommend comprehensive coverage plans to everyone in every situation. Fixed coverage plans only pay a small portion of actual expenses and you will have to pay the differences beyond that yourself. I hope this answers your questions. If you have any other questions, please feel free to post them here or contact us at any time. Thank you Sir for your prompt reply. 2. So is there any trip insurance that can be bought only for that day's travel? If I try to purchase the trip insurance and enter the departure and and return dates then it is very expensive and it is for the entire period. Maybe something from the airlines itself should suffice. 3. Any preference in the comprehensive coverage. I know that every plan has its own benefits but in general. I was looking at atlas america. Regards. 2. As long as for what you are looking for, just buying the visitors insurance is enough. You don't have to buy any separate travel insurance. 3. Yes, Atlas America Insurance is an excellent visitors insurance plan and highly recommended. It would be the suitable for you. If you have any other questions, please feel free to post them here or contact us at any time. Thank you again for the prompt response. just one final question. If we go for a fixed coverage plan which one do you recommend. I have shortlisted Inbound USA and Visitor Care. I know Inbound has deductible per injury/sickness which I can take care by selecting 0 deductible. Is there any difference in their PPO network? Thank you very much. Regards. Both Inbound USA and Visitors Care plan are good fixed coverage plans. Please note that, just like the deductible, you get the policy maximum (such as $50,000) as well per every incident in Inbound USA. You can buy it online at /safe-travels-elite-insurance/ There is no PPO network in either of these plans. If you have any further questions, please feel free to post them here or contact us at any time. how a doctor is considered in-network against out of network in both of these plans or is there no such concept? Thanks. Regards. There is no such concept. If there is no network, there is nothing like 'in-network' or 'out-of-network'. Fixed coverage plans are low coverage plans and pay a fixed amount for each and every procedure. You have to pay the difference. Insurance companies have no incentive to negotiate the prices as they are paying the same fixed amount anyway. That is why there is no network.

She has extensive health problems that will require care abroad. Someone like this is clearly leaving with the intent of accessing care abroad. Impossible to say what is covered or not in a unique case like this one. We don't know all the circumstances here. I am going to caution you to read the policy and the list of exclusions very carefully. Please read this specific exclusion below on the TravelGap Excursion plan, which reads: "Treatment or medical services required while traveling against the advice of a physician, while on a waiting list for a specific treatment or when traveling for the purpose of obtaining medical treatment." 1. Please read the plan description and the exclusions carefully. /travel-health-insurance/ 2. Yes. 3. This depends on the plan design selected. A deductible may apply based on the plan chosen. 4. A member can seek care from any provider overseas. Benefits are paid at 100% of reasonable fees, less the plan deductible. HTH has a small number of select doctors, hospitals and clinics under contract in Toronto. Due to Canadian law, they are not permitted to publish the actual details and profiles of the doctors. Only registered members are permitted to access the hospital list online. 5. Canada has a national health system. Contracting with private medical insurers can be a challenge for public hospitals. There is a possibility that a member will have to pay upfront if they go to a non contracted provider. 6. Home health is not covered. See the certificate for all exclusions. 7. The rate does not vary.

You can consider buying Patriot America Insurance.