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Question:

I had a few questions about purchasing Patriot America Plus. Can I purchase the policy for a duration of 1 week and then extend it for 5 months? Since the policy covers preexisting conditions do I need a pre-approval checkup? I also wanted to know if there are any insurance plans that cover general checkup and doctor visits.

Answer:

Thank you for contacting Insubuy for your insurance needs.

Yes, you can purchase the plan for one week and then extend. There is actually no plan on the market for visitors that will cover pre-existing conditions. Plans will cover any new illness or injury that occur after the effective date and some plans include the Acute Onset benefit. Here is a link for more information on the Acute Onset /visitor-insurance-acute-onset-of-pre-existing-conditions/ 

There is no check-up required to purchase a plan.

When you say general checkup are you referring to a well exam? If so, there is no plans available for visitors that will cover that except for the Safe Travels plans that offer $75 /safe-travel-insurance/wellness-visit/ if all of the conditions are met. The cost of a well exam is much more than the benefit provided. The plans will cover doctor visits for a covered illness or injury.

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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and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

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

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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.

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

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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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Most schools require international students to purchase health insurance.

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