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Ask Our Specialists
I have two concerns regarding the Safe Travels USA Comprehensive plan which I am looking at primarily for the high coverage limit $25000 for acute onset of preexisting conditions: 1. Travel dates for the insured will be Oct 18 2016 inbound to USA- Jan 29 2017 arrival back home in India. But is there a 90 day limit on coverage through Safe Travels USA Comprehensive plan? 2. The Safe Travel USA brochure defines Acute Onset of a Pre-Existing Condition means a sudden and unexpected outbreak or recurrence of a Pre-Existing Condition which 1) occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration is rapidly progressive, and requires urgent and immediate medical care and 2) is a minimum of 48 hours after the Effective Date of the policy By that rationale does it mean that any acute onset of any symptoms that happens during the journey from India to the USA may be ineligible for coverage since they are occurring during the first 48 hours from the date of departure (i.e. effective date of policy)?
No, there is not a 90 day limit on coverage. You can purchase the plan for a minimum of 5 days up to the full duration of their stay.
Yes if there is an acute onset during the first 48 hours of the policy it would not be covered. If you need additional assistance please feel free to contact our office.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.
Learn MoreVisiting USA?
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.
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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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