Ask Our Specialists

Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know their age, travel duration. Once we get these information will be glad to answer all your questions.

Greetings, Thank you for your email. Mother: 57 yrs Father: 61 yrs They plan to travel for 3 months or under 90 days from the 4th week of June. Thanks

Thank you for your interest in purchasing visitors insurance for your parents. Please note there is no visitors insurance product available anywhere in the market that would cover all expenses related to pre-existing conditions. Some of the plans cover acute onset of pre-existing conditions up to some amount under some circumstances. Please read the following articles to understand that better. /visitor-medical-insurance-pre-existing-conditions/ /visitor-insurance-acute-onset-of-pre-existing-conditions/ /visitors-insurance-usa-heart-attack-coverage/ 1. We offer both fixed and comprehensive coverage plans. Please look at /visitor-insurance/ You will see two separately marked sections: Fixed and Comprehensive. You have not specified which specific product you are looking at. However, if you are looking at the plan with $250 deductible, that must be comprehensive plan because no fixed coverage plan has $250 deductible. 2. Please look at /visitor-health-insurance/#indemnity That is for other additional expenses such as food, telephone, taxi etc. 3. We offer several different visitors insurance plans. Some of them participate in PPO network while others don’t. The ones that participate in the PPO network has a link next to it that says something like “Direct Billing: Through _______ Network”. You can look at /visitor-insurance/ and search for the participating providers in a given area. 4. Pre-certification simply means that informing the insurance company about certain procedures you are going to get done. Whether a particular expense is covered or not can only be determined when the provider sends all the medical records to the claims department and not in advance. Please read various articles about Claims Process at /guide/ I hope that answers your questions. If you have any other questions, please feel free to contact us at any time.

I just noticed that you have specified the product name in the subject line. Therefore, I will try to answer your questions again. Patriot America covers sudden and unexpected recurrence of pre-existing conditions up to $50,000 for people below the age of 65 years. Please read /patriot-america-lite-insurance/ for further information. 1. Yes, Patriot America is a comprehensive coverage. 2. Same answer. 3. Patriot America participates in Coventry/First Health PPO network. You can search for the providers in your area at /international-medical-ppo-network/ Please read /what-is-visitors-insurance/ and /international-travel-insurance/ for further information. 4. Same answer. If you have any other questions, please feel free to contact us at any time.

Thank you for your email. However, I have a few more questions: 1) In your previous email, you said that there is no insurance product in the market, which will cover pre-existing conditions. However, your product will cover acute onset of pre-existing conditions. I have gone through the links you sent but just want to confirm. Am I right in thinking that my mother will not get any heart or diabetes treatment or insulin expense but if there is an immediate need for medical attention like an infection in her existing ulcers in her feet or because of her any pre-existing conditions, that medical expenditure will be covered by your product? 2) The $250 deductible I mentioned is just a ballpark figure. I am flexible if I am able to get a good comprehensive insurance. 3) You mentioned that your product is comprehensive. Does that mean there are no sub-limits for each medical expense? I read in one of the products that it will pay only $200 for pharmacy. If, God forbid, the medication needed is $2000 because of an acute on-set of a pre-existing condition, would that be covered by your product? Appreciate your reply. Thanks

1. Patriot America will cover sudden an unexpected recurrence of pre-existing conditions. It is not possible to give any more specific answer in advance until it actually happens as each case is unique. 2. Patriot America provides the deductible choices of $0, $100, $250, $500, $1,000 or $2,500. 3. That is correct. Patriot America does not have sub-limits for each medical expenses. There is no $200 limit for pharmacy for eligible claims. Please look at the brochure at /patriot-america-lite/visitor-insurance/ and the certificate wording at /patriot-america-lite/travel-medical-insurance/ If you see any such limit, please let me know as I didn’t see. I hope that answers your questions. If you have any other questions, please feel free to contact us at any time.

Thank you for your email. It has answered almost all of my queries. However, I do have one more: Another concern I have is direct billing. Parents are going to be residing in the zip code 10128. I have searched for the hospitals in the link you gave but none of the hospitals I looked for, show the link 'Direct billing'. This is one of my biggest concerns. If, god forbid, the bill is $50,000, then I do not have $50,000 to pay upfront and then make a claim for it. Is there are solution for this? Many thanks

Hospitals in the PPO network are direct billing. I have never seen any hospital demanding upfront payment like you mentioned. Most people in the US don’t have $500 cash with them, let alone $50,000. In other words, the link I sent you is not a simple Yellow Pages or Google search of hospitals or other providers. That is the list of providers that have contracted with the First Health PPO network, bill the insurance company directly and charge only the network negotiated fees. In Indian terms, providers in the PPO network provide cashless treatment. /cashless-visitors-insurance/ If you have any other questions, please feel free to contact us at any time.