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The options available to you depend upon whether you want to buy insurance just for your wife (F2) or also for yourself (F1). I don't think it would be compulsory for you to buy any specific insurance. Most universitites have a set of requirements that an insurance must meet. As long as you buy some insurance that meets all the requirements, you can buy that alternate insurance. Therefore, I suggest that you contact your school and ask them to give you the compliance form (also called waiver form) and send that to us at info insubuy.com and we can look at it to see we have plans that meet the requirements. If so, you can buy for both of you. Otherwise, we can suggest the options just for your wife. If you have any other questions, please feel free to post them here or contact us at any time.

Thanks for the information. I will find out from my school about my insurance. But could you give me an idea about my wife's insurance (she is on F2). Do you know if even a doctor's visit for regular checkup would be covered under this insurance? I would like to get her insurance ASAP. Thanks Chaitanya

As I said before, options for F2 only are different than F1+F2.

Yeah. I understand that. But as I have already paid my insurance till Fall, I would like to go ahead and do my wife's insurance first. I may think of F1+F2 insurance later sometime.

F2 insurance is essentially the same as the visitors insurance, available at / General check up etc. are not covered.

Thanks! There are so many options available. Could you please suggest any good one. I was looking for 50,000 $ coverage.

Please call us and we will guide.

Thanks for the information. Just wanted to ask one more question: does any of this insurance take care of trip cancellation? e.g. for any reason if my wife has to go back to India suddenly?

Trip cancellation can occur only before she has departed for the trip. However, as she is already in the U.S., there is no way to cancel her trip as she is already on the trip. However, she can get coverage for trip interruption due to a valid reason as death of parents, house on fire in India etc. Please read the brochure for each product for precise definition of covered reasons.

OK. Thanks. Btw, I was trying to get this Patriot America insurance. But is it mandatory to have or have held other insurance before this if she is in US from sept 2009? There is a possibility that her insurance has already expired from more than 60 days.

Yes, it is. You told me over the phone that it expired only just a few days ago. You must fill the application truthfully. Otherwise, the claim may be denied if you bought the insurance when not eligible.

Hey I just saw the earlier insurance policy. It expired on 26th Feb 2010. Is there any way I can still buy insurance for her?

Look at Liaison Worldwide at /visitors-insurance/

Sorry to bother ya again! I checked this website. Have some questions: 1. Is it a good idea to buy a fixed plan (e.g.Visitor's care) insurance for one month as it does not need that 60 days pre-insurance criteria, and then buy this comprehensive plan (e.g.Patriot america ) after next month. In that case I will be satisfying the criteria of having pre-insurance within last 60 days. or 2. Just buy this Liaison Worldwide insurance. But I have not completely understood the benefits of this Liaison insurance plan. Does it work like fixed coverage or comprehensive coverage? Does it also cover First Health PPO network? It also looks a bit expensive than Patriot America...... Thanks and regards

1. That would be trying to cheat the online system and you would be caught at the time of claims. Therefore, do not do it. 2. It is comprehensive coverage plan. Yes, it has First Health PPO network.

Hey, Why is this cheating? I did not understand. Because I think I am following all the rules by doing this. Is there any rule that I can't change my insurance once taken? Because in any case I will renew or take new insurance (if I do not like the current one).

No need to feel bad. Whatever I am telilng is in your best interest, because I work for you. There is nothing wrong in changing the plan later. However, the rule is that if you are in the U.S. for 6 months or more and without insurance for 60 days or more, you can't buy Patriot America. You can't change that fact now. If you buy some other insurance for one month, and try to answer the questions online, that would be trying to circumvent the system and therefore not recommended.

 I still haven't bought an insurance for my wife. I think I should not delay it anymore. As I told you earlier, her insurance bought from India has expired for more that 60 days and hence I cannot buy Patriot America. So I am deciding to buy Atlas America. I have some questions about it: 1. What is the meaning of - usual, reasonable , customary charges. I did not find description of this anywhere. It appears in Intensive Care Unit , local ambulance section in brochure. 2. When I try to buy this insurance, it automatically changes the desired insurance start date to tomorrow's date. Is there any way to modify it? Thanks

1. That means, whatever the usual charges are for the given procedure/facility in your area. However, that is largely applicable when you go out of the network. When you go in the network, network negotiated fees apply and therefore you don't have to worry about URC. 2. In Atlas America, if the person is already here, the only effective date possible is today's date. You can't put future date. You want any future date, you will have to apply on that date.

Thanks! Just last few questions before buying: 1. I am thinking of buying $100000 with $0 deductible for next 3 months starting tomorrow 7th July to 6th Oct 2010. Is it possible to change the coverage in between? e.g. Can I change the coverage maximum to $50,000 after say 1 month? 2. Also, is it possible to change the coverage maximum at the time of next renewal (e.g. on 6th Oct 2010)? 3. Is it advisable to buy long term coverage? Or buying small periods is also fine? Will there be any benefits I will be missing in this case if I go for Atlas America? 4. Do I need to specify your agent code / information anywhere at the time of buying?

1. No. 2. No. 3. You can buy for any duration and renew it, for total duration of 1 year. Every time you renew, there is a $5 renewal fee. Otherwise, the premiums are the same either way. 4. As long as you buy from this web site InsuBuy.com, it is automatically encoded and you don't have to put it.