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Ask Our Specialists
Need Help in deciding Insurance My Mom Will be Visiting me This Weekend (she will be here for 6 months). I am Confused on Which USA Insurance to Go with. Comprehensive or Fixed.. ? I have Finalised two Insurance Plans of IMG to choose from (Patriot america and Visitors Care) But wanted a Clarification, My Mother is Having BP (controlled) and was checking if any complication rises (god forbid) due to BP. Patriot america may not help as compared to visitors care as it says pre existing conditions are not covered... please help me to understand in my situation which is the Best Insurance I should be going with.Please suggest if you think any other Insurance is Good to be Purchased. She Had a General Checkup recently and Everything thing Looks under control. Please reply ASAP. Thanks Ramya
Ramya, Thank you for your interest in purchasing visitors insurance. First, I would like to clarify that Visitors Care has an optional rider that would cover up to $5,000 ($2,500 for 70+) if the person gets admitted into the hospital due to heart attack or stroke that is due to pre-existing conditions. There is no other pre-existing conditions coverage in Visitors Care. While both Patriot America and Visitors Care are excellent plans, they don't cover any pre-existing conditions (other than as described above for Visitors Care.) We always recommend everyone to purchase the comprehensive coverage plans and never the fixed coverage plan. Patriot America is a comprehensive coverage plan while Visitors Care is a fixed coverage plan. If your mother is below the age of 70 years, you can consider purchasing Atlas America insurance that provides up to $15,000 in acute onset of pre-existing conditions and is not limited to admitance into the hospital due to heart attack or stroke. Therefore, regarding emergencies arising from blood pressure, that might be more suitable to you. Alternatively, if your mother is below the age of 65 years, and if you are willing to buy a minimum of $1,000,000 policy maximum, you can consider purchasing Patriot Platinum America Insurance that covers up to $20,000 in acute onset of pre-existing conditions. I hope that answers your questions. If you have any other questions, please feel free to contact us at (866) INSU-BUY at any time.
Thank you So Much! I have decided to go with Atlas America.
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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.
Buy U.S. based visitors insurance and enjoy your trip.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
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.
Purchase new immigrant medical insurance to bridge the gap.
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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.
Learn MoreAre 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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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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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.
Purchase international student health insurance that meets most school requirements.
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