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I am looking for insurance coverage for my dad who is travelling to both Canada (6 weeks) and USA (12 weeks). I am not sure what option to choose on your website to find one that would serve both countries. Do I need to buy one separately for each country? Also, he has pre-existing condition and I would like more clarification on how something is determined to be a pre-existing condition related. He has Parkinson's. If he falls down due to balance issues, will that be considered an onset of his pre-existing condition or is it treated separately. Do you have any insurance that can help with travel costs if he needs to go back to India for treatment?


When selecting a plan option you may select the coverage area option of "International including USA" to see the plan options which will provide coverage in multiple countries. As a whole the plans are designed provide coverage anywhere outside of the home country. 

Pre-existing conditions are any condition which were to manifest prior to the effective date of the policy whether known or unknown. The plans will provide coverage for an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously, without advance warning, is rapidly progressive, and requires urgent care. You may learn more about this benefit along with a few examples in our FAQ

As far as the travel cost, there are no plans available that will assist with the travel cost if the insured decide to return home for medical treatment. There are benefits for emergency medical evacuation and repatriation, but these are designed to help someone travel to the nearest adequate medical facility to obtain medical treatment in the event something happens. 

If you have any additional questions, please let us know. 

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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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