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Ask Our Specialists
My parents are visiting United States currently and they planned to stay for 3 months. My mother has pre-existing condition and she needs the daily medication and she brought enough supply with her for 3 months. However, due to COVID-19 situation, they are stuck in the US and are unable to go back to India. She is running out of her medicines. I already have purchased the visitors insurance for them when came here. Can I get the additional medication for her? Would the visitors insurance cover it? If not, can I buy another visitors insurance that would cover them?
Unfortunately, routine maintenance of pre-existing conditions is not covered in any of the visitors insurance plans. They are meant to generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Some of the plans cover acute onset of pre-existing conditions which is an unexpected emergency occurring all of sudden without any prior warnings or symptoms and you need to take the treatment within the next 24 hours.
You would have to take an appointment with a physician in the US and he/she would need to prescribe the medicine that your mother needs. You would need to pay both for the physician visit and the prescription medicine out of your pocket. Visitors insurance plans were not designed to cover them. Some of the visitors insurance plans come with the prescription discount card. You could use that to get some discount and that is the most it can help with.
We completely understand that it is totally unexpected global crisis and your parents are stuck in the US against their will because there are no flights to go back. However, visitors insurance would not provide additional coverage that it does not have to begin with.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.
Learn MoreVisiting USA?
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.
Purchase new immigrant medical insurance to bridge the gap.
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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.
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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.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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