- 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
Visitors Care - are coverage sublimits enough? Dear Forum members, I have a 64-year old aunt who will be visiting us for a period of 6 months from Argentina. I am considering the "visitors care" product, which comes in three coverage options: 25k, 50k, and 100k. The question I have pertains, however, not to the overall maximum of the policy but rather to the "sublimits" for each type of covered service. For example, the 25k option of Visitors Care says something like: - Hospital room&board: up to $825 per day - Surgical treatment: up to $2000 per surgical session - Assistant surgeon: $450 per surgical session (outpatient) - ...etc... Now, how do I know if these amounts are enough? Quite honestly, I don't have a clue (although my gut feeling is that they seem low). Also, how does the system work, let's say that hypothetically my aunt gets sick and she needs to have surgery. She goes in and it cost $3000. We have not yet spent a cent of the 25k budget/maximum and yet, my aunt will have to pay $1000 out of her own pocket? Any advice is greatly appreciated. Sincerely, Luis
Honestly, those limits are well below the actual expenses. In your example, you will have to pay $1000 out of your pocket. That is not that bad. What if the surgery costs $20,000 or $30,000? (And, many times it can.) You will still have to the difference yourself. If the limits in fixed coverage plan were enough or close to enough, comprehensive coverage plans would not exist that cost 2 to 3 times more. Please read /visitors-insurance-types/ I always recommend everyone to buy comprehensive coverage plans. To understand how the plans work, for example, please look at Visitors Care procedure at /international-medical-ppo-network/ and Protection America procedure at /international-medical-ppo-network/
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