Ask Our Specialists

You can run a quote for F1 or F2 visa holders in the Students (F1/F2) section of the website. If you would like assistance choosing the correct plan that fits your needs, it is best to call our office at 1(866) INSUBUY (4678289), or you can email info@insubuy.com. If you have any additional questions please let us know.

Visitors Protect is the only plan that offers coverage for pre-existing conditions, however it cannot be known or expected treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. Additionally, it must be purchased before the insured has left their home country. Other plans offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. If you have any additional questions please let us know.

Unfortunately, you do not have any trip delay benefits with your policy. If you have any questions please call our office at 1(866) INSUBUY (2678289)

Please contact our office for assistance with your questions. If you would like you can send an email to info@insubuy.com with your questions and we would be happy to answer.

Your general assessment is correct. Atlas America has a co-insurance of 100/0, meaning that it will pay 100% to the policy max for new injuries' or illnesses, while Visitors Protect will have a 75/25 co-insurance. 1) Yes, legally, you may purchase as many plans as you would like, as long as they are from different administrators. With that being said, we would not recommend purchasing more than two plans, as the claims process can become quite difficult for the patient if they have more that two plans. 2) Regarding the claims process, If anything is to happen, you will always need to file a claim, even if the doctor's office or hospital says they will submit a claim. On that claims form there is a question asking if you have any additional policies in place, to which you will have to answer honestly under risk of perjury. At that point, the insurance companies will coordinate their benefits on how they are going to pay out your claim, so you would not be able to choose which policy would would like to use. Please be advised that all plans, including Visitors Protect, will not cover for any known or expected treatment, preventive care, or routine maintenance of any condition, for any reason. It must be an unexpected occurrence and you cannot be coming to the US for treatment. Please review these articles before purchasing a plan: Pre-Existing Medical Conditions FAQ Acute Onset of Pre-existing Conditions FAQ If you have any additional questions please let us know.

The only plan available to that age group that may meet your requirements is Safe Travels Outbound. This plan is available for a maximum purchase of 6 months. Once you are established in Portugal and are eligible for domestic insurance, you are no longer eligible for these plans. If you have any additional questions please call our office at 1(866)INSUBUY (4678289).