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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am looking for insurance coverage for my dad who is travelling to both Canada (6 weeks) and USA (12 weeks). I am not sure what option to choose on your website to find one that would serve both countries. Do I need to buy one separately for each country? Also, he has pre-existing condition and I would like more clarification on how something is determined to be a pre-existing condition related. He has Parkinson's. If he falls down due to balance issues, will that be considered an onset of his pre-existing condition or is it treated separately. Do you have any insurance that can help with travel costs if he needs to go back to India for treatment?
Q:Is it allowable to buy the insurance today and then go to see doctors tomorrow? Parents come to Houston, Texas and stay for months.
Q:I'm hoping you can help me. I need to buy healthcare for my son (6/4/99) who is studying at Uni of South Carolina. He is already there and needs it from now until 5/31/20. He is a UK resident but is in the US on his US passport as he was born in Texas. Uni of South Carolina have the following requirements; International Students must be enrolled in a health plan that meets the following minimum requirements: 1. Medical coverage must have an unlimited maximum benefit per policy year per covered person. 2. Contains no exclusions (or waiting periods) for pre-existing conditions. 3. And provide the following coverage benefits: - Ambulatory (i.e. Outpatient) patient services - Emergency Services - Hospitalization - Maternity and newborn care - Mental health and substance use disorder services - Prescriptions drugs - Rehabilitative and habilitative services and devices - Laboratory services - Chronic disease management 4. Out-of-pocket expenses must not exceed $6,350 (individual) and $12,000 (family). 5. Plan must provide coverage in the South Carolina area. 6. Repatriation expenses in the amount of no less than$25,000. 7. Expenses associated with the medical evacuation of the insured to the insured's home country of no less than $50,000. If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits. NOTE: The following plan(s) will NOT be acceptable for waiver approval: - Short-term coverage plans are not accepted. - Financial Assistance plans are not accepted. - Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement are not accepted.
Q:I have a relative from India visiting me in new jersey, USA. He has Tata AIG insurance to the coverage of $150,000. I don't know the details of his policies, but I worry that his policy might be a fixed policy. He has had a heart surgery several years back and I am also not sure about the pre-existing clause etc. I am very familiar with Atlas America and know how it works based on my personal experience. Can I purchase Atlas America for the duration of stay of my relative with me even though he has Tata AIG insurance cover? Please advise.
Q:From your website, I found Visitor Care and VisitorSecure are covering the pre-existing conditions, right? If my parents have heart disease, or kidney disease already, then some illness related to these will be covered by Visitor Care and VisitorSecure, right?
Q:I am from the Philippines and going to visit my brother who is in the U.S. Navy and currently deployed at a U.S. Air Facility in Japan. What they require is an International - Japan Medical Insurance with a coverage of $100,000. I think it should state something like "Emergency/Medical Insurance" Do you have a plan that will satisfy my needs/
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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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