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Question:

I am looking for some help and advice. My husband and I live in the USA (He is a citizen and I am waiting on my green card coming through). We are expecting our first child in a few weeks and my mum is hoping to come over in November to help out. My issue is trying to find medical insurance for her as she has a range of pre existing conditions the will need covered. The main one of these is that she has stage 4 kidney disease. She also has some slight issues with her heart but the main concern is her kidneys while she is here. Is there an insurance plan that would cover this? I look forward to getting your advice on this matter.

Answer:

Thank you for contacting Insubuy for your insurance needs. We are a broker, and offer all of the major plans available on the market. Unfortunately, there are no plans available which will provide coverage for a pre-existing condition. Short term health insurance plans for visitors are primarily designed to cover any new illness, injury or accident which occurs after the effective date of the policy. Pre-existing conditions, routine doctor's visits and preventative treatments are not covered. 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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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New immigrant to USA?

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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Are 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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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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