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Visitor Insurance My brother's in laws are planning to come to the US sometime in May. Mother-in-law (MIL) and Father-in-law (FIL) both are < 70 years old. MIL is diabetic and so I guess this will be considered as a pre-existing condition! FIL does not have any pre existing condition. So can we go with Atlast America for both of them? Also FIL will be turning 70 in Sept. So what would you recommend in such case? So can we initially take Atlast America and then switch to Visitor Care in Sept for FIL? Is that allowed? What would be your recommendation? Please let us know. Thank you.
Yes, you can purchase Atlas America for both of them. You can purchase it online at /atlasamerica-insurance/ It is not recommended that you switch plans in between because it is not a good idea to break continuity. You can continue Atlas America for your father-in-law even after he turns 70 years (If you have purchased the coverage higher than $50,000, it would drop to $50,000 when he turns 70.) I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.
But if we initially get a coverage of 100,000 and would like to continue with the same coverage of 100,000 and do not want to switch then do we have any such plans that takes care for both the ages i.e. < 70 and > 70? Also do we buy the insurance separately for MIL and FIL?
You can consider buying Patriot Platinum America. It is $1,000,000 for people below 70 years of age and it is $100,000 for people 70 years of age and above. /patriot-america-platinum-insurance/ It is comprehensive coverage plan. There is no harm in purchasing separately for mother in law and father in law. In fact, we always recommend that you do that. Even if you buy $100,000 for 70+, if it is a fixed coverage plan, you will have much lesser coverage than $50,000 comprehensive coverage in most cases.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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