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Ask Our Specialists
I am looking for Insurance coverage for my mother who is 65 years old, has USA green card, is ineligible for Medicare (since she has only been in USA for less than 5 years). She lives in the USA for 6-7 months and in India for 5-6 months of the year and pays taxes in both places. She lives in WA when she is in the USA. I talked to a rep on the phone the other day and they suggested "International major medical" coverage for her. I want to sign her up for it but was unclear how they define home country. Can you confirm that she will be covered in the USA if we get this policy?
The International Major Medical plan bases its eligibility on the country of citizenship of the insured. As long as they are not a U.S. citizen, they are eligible to purchase this plan. Please keep in mind the plan is not ACA compliant, and will only cover new illnesses, injuries or accidents which occur after the effective date of the policy.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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.
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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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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
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Most schools require international students to purchase health insurance.
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