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Question:

Medical Insurance for visistors from Ontario, Canada My in laws (66 and 67 years old) will be visiting us in IL. They will stay with us for 6 months every year. They are covered by Ontario Health Insurance Plan when they are physically in Canada. That being said, we are only 2 hours away by flight if any non-urgent medical condition occurs while they are in US. I just want to find a medical insurance to cover any urgent issues (for example, stroke, falls from stairs...). It sounds like the comprehensive plan is a bit overkill but the fixed rate plan might not cover anything at all, if I understand it correctly. Please help me choose an insurance plan that not only fits our need but also makes sense cost wise. Thanks,

Answer:

Fixed coverage plans pay fixed amounts for each procedure which may be a small fraction of the actual expenses. Therefore, we always recommend everyone to buy one the comprehensive coverage plans. You may choose a higher deductible in order to reduce the premiums. You can find several such plans on this web site. If you have any other questions, please feel free to post them here or contact us at any time.

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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and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

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.

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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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