- Share
- Search
Site Search
- Contact
Contact Us
Speak to a licensed and experienced insurance agent in the United States.
- Office Hours:US Central Time
- {{allSevenDays}}
- Mon-Fri
- Current Time:
- Call Us:
Toll-Free: +1 (866) INSUBUYToll-Free: +1 (866) 467-8289- Local: +1 (972) 985-4400
- WhatsApp: +1 (972) 795-1123
- Chat With Us:
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
Language日本語한국어عربيةItalianoРусский
Ask Our Specialists
Home country coverage and sports coverage in IMG policy My family and I will be traveling for 6 ½ months to Panama, Costa Rica, Argentina and Chile from Nov 18th to June 2nd. We are interested in a $250 deductible policy with either $50,000 or $100,000 coverage. I have the following questions: we will be returning to the states for 7 days in the middle of the trip, would our coverage continue during this visit? 2) only my husband will continue to have health insurance in the states during this time, if we are hurt or become ill and have to end the trip to have medical care at home would this plan cover us for the full amount of coverage or would it end after we are back in the states? 3) if we aren’t planning on doing anything more hazardous than perhaps horse back riding do we need the hazardous sports rider? Thanks for your response by email, it is not convenient for me to talk by phone while at work. My biggest concern is whether the coverage will help us if we need to return to the states.
1. INCIDENTAL HOME COUNTRY COVERAGE: During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: The insured person must have left their home country, The total Period of Coverage must be for a minimum of 30 days, and The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling. 2. You don't require hazardous sports rider if you are not going to be doing any of the hazardous activities mentioned in the certificate wording. You can buy Patriot International at /patriot-international-lite-insurance/
Thank you for your response but this did not answer my question. If I have a $50,000 coverage policy and I break my back and get evacuated for my home country for treatment, would the $50,000 coverage extend to my treatment in the states?
If you read the last sentence in point #1 below, it answers your question >>>>The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling. In other words, answer to your question is No.
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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.
Search Questions and Get Answers
Type your question or hashtag below or Ask a Question
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More