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Insurance for visiting Mother I work & live in USA under L1 VISA. Currently I am based in Providence RI however in June I will shift to Nashville, TN I would like to buy Insurance for my mother who is visiting me from India : Gender : Female Nationality : Indian Resident of India Arrival USA : 23rd April, 2016 Departure from USA : 30th July, 2016 She will arrive at Newark Airport on 23rd April and will stay with me in Providence will 24th June On 24th June we will move by road from Providence RI to Nashville TN and then on she will stay with me in Nashville till 30th July. On 30th July, she will fly to Newark to take her flight back to India I have filled up required information to get a quote (in attachment). I would like you to kindly clarify on below : - Is this cover applicable in the whole of USA ? - Is the cover comprehensive ? - In case of any doctor consultation (medical), will I need to pay any down payment (or Co-payment) or full amount is paid directly by Insurance to the medical doctor or Institute ? - Is insurance also covered for transit during travel by road or by air within USA ? - Does the Insurance also cover for any type of hospitalization ? - Does the Insurance also fully cover the payment of amount for medication directly to the medicine store in USA ? - Does the Insurance also cover in case of any accident (due to someone else fault) ? - Does the Insurance also cover in case of any natural health issue (personal health) or damage due to any natural accident (eg. she falls down, etc..) ? Kindly advise on above so that I can buy
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Yes. This plan will provide her coverage anywhere in the world except India. There is no state restriction as long as you purchase insurance before her arrival in USA. 2. Atlas America plan is comprehensive coverage plan. 3. There is no co-pay in any short term plan. Please read How Atlas America plan works with example, /atlas-america/visitors-insurance/ 4. Yes. As long as insurance is effective and coverage start by US EST at 12:01AM. For car accident this insurance will be secondary to any other insurance. 5. Insurance will pay for whatever treatment medically necessary as long as it’s not pre-ex or preventive care. However plan has coverage for acute onset of pre-ex. More information, /visitor-insurance-acute-onset-of-pre-existing-conditions/ 6. For pharmacy there is no network so you have to pay then file claim for reimbursement. Plan will pay after the deductible 80% for first $5000 of medical expense. Prescription drugs should not be related to pre-ex and preventive care medicine. 7. Secondary to any other insurance coverage. 8. Plan will pay for any new sickness, injuries or accidents that may occur after the insurance effective date of the policy. PPO network link for Atlas America plan, /travel-and-student-insurance-ppo-network/ Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to call our office if you have any further questions. Have a great day!
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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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There are many advantages in purchasing from Insubuy® and no disadvantages.
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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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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.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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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.
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