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Expatriate Health Insurance

Question:

I am a US citizen living abroad. I (31F) and my son (5M) will be visiting family in California from July 15 - September 20. I am currently pregnant (due date February 20) but will NOT be in the US for the birth. I am looking for health insurance for myself and my son and I would like coverage for the maternity scans and tests that I will need to have in August (at the 12 week gestation mark). We are otherwise healthy with only a need for health insurance for emergencies.

Answer:

Thank you for contacting Insubuy for your insurance needs. The insurance plans available will offer the coverage for new illnesses and injuries that manifest in the body after the effective date of the policy. They will exclude the coverage for pre-existing conditions, preventative and routine care. Although we have plans available for US Citizens visiting the United States, such as the Patriot America Plus plan, there would not be a plan available that would allow for the coverage for routine doctor visits or anything related to maternity coverage. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.

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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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

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Most schools require international students to purchase health insurance.

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