Ask Our Specialists

Thank you for your interest in purchasing insurance through us. As a broker, we provide insurance from many companies. Essentially all the plan fall into two categories. Fixed and comprehensive. Fixed plan costs less and provide limited coverage while comprehensive plans are very similar to our domestic short term plan with PPO network. If you are looking for some plan with PPO network. You need to go for comprehensive plan. You can purchase either Atlas America or Patriot America Plus plan. None of the plan pay for any routine maintenance for the pre-existing conditions. However some plan provides coverage for acute onset of pre-existing for the age below 70yrs. . More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you provide your parents age, travel date. We will be glad to send quote by e-mail. You can also visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans, you can narrow by plans with pre-ex coverage and you can also compare them side by side. If you have any further questions feel free to call our office at (866)INSUBUY and any agent in our office will be glad to help you to choose the right plan as per your requirements. Have a great day!

Thank you for your quick response. I am trying to decide between Atlas America and Atlas Premium America and I was wondering about the preexisting conditions clause. For example, my dad has had a heart bypass a few years ago and my mother suffers from hypertension. Both conditions are not actively ailing either one of them but what if their existing illness causes an event that needs medical attention, will this be covered? Or will it be considered a preexisting condition (not an acute onset) and excluded from coverage? Thank you.

The Acute onset of a pre-existing condition clause is the same with either plan. This is defined as a sudden and unexpected recurrence of a pre-existing condition that occurs spontaneously without any advance warning and treatment must be obtained within 24 hours of the occurrence. If something happens to one of the insureds, the claims department will utilize the attending physician statement to determine whether or not the situation fits the acute onset definition. Under either plan option, this benefit is covered up to the policy maximum. We have included a link to our acute onset of a pre-existing condition FAQ. If you have any additional questions please contact our office at (866) 467-8289. Acute Onset of a Pre-existing condition: /visitor-insurance-acute-onset-of-pre-existing-conditions/