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Ask Our Specialists
Short term plan mountaineering I have a question about your Patriot America coverage. For a non-citizen who has resided in the US for more than six months, the application asks if they have held international coverage. How is that defined? More specifically, do you offer any insurance options suitable for a non-citizen (on a student visa) who has resided in the US (NY) for more than six months, and holds normal (ACA-compliant) American medical insurance but needs adventure/extreme sports coverage?
Thank you for contacting Insubuy for your insurance needs. Unfortunately, the Patriot America Plan would not be available if you have had or currently have a domestic insurance plan. We would be more than happy to look into plan options available for your if you would like to provide a little more information about what you are needing coverage for.
Sure - I'm looking for short-term medical coverage for mountaineering, in the US. Is that the information you need?
You can purchase Short Term PPO plan. Short term plans are not ACA compliant. STM PPO plan Brochure, instant purchase link, /short-term-health-insurance/ The standard hazardous sports rider only provide coverage for mountaineer up to 10,000 ft. We can asked for special terms from underwriters to include: Coverage for mountaineering up to 4,300 meters. Coverage excludes frost bite. This added coverage would be written as an endorsement to the policy. This endorsement would be included with the policy when it is issued. Please let me know if you have any questions.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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