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Ask Our Specialists
I'm looking for a visitor insurance for my mom (traveling from India) aged 71 years, with a pre-existing condition (diabetes, BP, also needs regular blood tests). After some research, I've narrowed my choices down to Cover America Gold, Patriot America Plus and Trawick International USA Comprehensive, because of their higher coverage for PEx-Cs. I was hoping that you can answer the following queries for me. - Can you please give any more insight into which one is best among these three, with the best coverage network (in South Bay Area, CA) and the least deductible and premiums? - What is the typical deductible for a $50K or a $100K policy? - Also, what is the suggested policy limit I should take for her? Will $50,000 maximum coverage suffice in the event of hospitalization, or is it advisable to go up to $100K? - My father, aged 81, is quite fit and has no health issues. Which insurance would you suggest in this case, considering that he won't be needing any PEC coverage?
With the information that you have provided we would recommend the Trawick International US Comprehensive plan as this plan will cover an acute onset of a pre-existing condition.
The Safe Travels USA Comprehensive plan will cover an acute onset of a pre-existing condition for someone over the age of 70 up to $25,000. You can find more information about an acute onset of a pre-exiting condition using the link listed below.
The First Health PPO network that the plan participates in is a very extensive PPO network and will have a vast variety of providers all throughout the United States. You can view the PPO network using the search link below.
The deductible is the amount that you agree to pay before the insurance begins to pay its portion. The quoting system will automatically default to a $250 deductible but you can select whichever deductible best suits your situation. The Safe Travels USA Comprehensive plan is only available at $50,000 at her age.
We would recommend the same plan for your father as well. If you are interested in a plan without the acute onset coverage we would recommend taking a look at the Patriot America plan.
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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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