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Question:

I am currently in the US. I bought a visitor's insurance through insubuy after I arrived here in the US. My question is - I had an abdominal pain couple of weeks ago with high fever. I was admitted to emergency room . After the tests, I was diagnosed with acute cholecystitis and I had to undergo surgery for gallbladder removal. Although, I had a comprehensive plan through insubuy, but the hospital stay and surgery would reach almost maximum coverage that I had after the payment to hospital is made though insurance. I plan to stay another 3-4 months in the US but since I would have less coverage now, what are my options for getting more coverage or adding the coverage amount to existing coverage?

Answer:

We would be glad to advise.

You cannot increase a plan's policy maximum once the policy is active. 

Your only options would be to purchase a new policy or only have available the remainder of your current policy maximum.

Keep in mind that if you do purchase a new plan, anything that happened during the first plan will be considered pre-existing and not covered.  Therefore, if any additional treatment due to the above incident were needed, you would be paying out of pocket for those services.

If you have any additional questions, please let us know.

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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Why purchase insurance from Insubuy®?

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There are many advantages in purchasing from Insubuy® and no disadvantages.

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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?

Purchase travel medical insurance that includes emergency medical evacuation.

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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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Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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