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Ask Our Specialists
I just purchased the International Major Medical insurance for my parents who are both over 60 years old. However I see in the certificate wording that for cardiac related conditions, the maximum eligible expense is 25000 (even though the policy maximum is 250000). If I would like to have a higher maximum for cardiac related emergencies, is buying multiple plans like described here (https://www.insubuy.com/high-policy-maximum-visitors-medical-insurance-for-seniors-visiting-the-usa/) an option?
Be advised that the benefit you are referring to would have to be related to a new medical condition or an acute onset.
I have listed our FAQ page regarding Acute onset benefits for you to review below:
/visitor-insurance-acute-onset-of-pre-existing-conditions/
We have one plan if the proposed insureds are elgible for the plan based on the eligbility requirements, that can provide some pre-existing condition benefits if they are fit to travel and not coming to the U.S. specifically for medical treatment.
For someone who is 60 years old, it would provide a $25,000 benefit for pre-existing conditions with an individual $1500 deductible.
It also has a 90 day minimum purchase and is not extendable.
Please let us know if you have additional questions.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Healthcare costs are very high in the U.S.
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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.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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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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You don't need to purchase travel insurance for every trip.
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Most schools require international students to purchase health insurance.
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