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There is not an insurance on the market anywhere that will cover pre-existing conditions for visitors to the U.S. The plans for visitors will cover new injuries and new illnesses that manifest after the effective date of the policy. Anything to do with a pre-existing condition as you have described below would just be out of pocket expenses. Depending on the age of your mother, some plans do have an Acute onset benefit for pre-existing conditions, however this benefit is for sudden and unexpected acute onsets of pre-existing conditions that come on without any warning, are rapidly progressing and require immediate treatment within 24 hours. This benefit is a possibility of coverage for these types of situations and not a guarantee of coverage as it would be based on the attending physicians report at the time of claim. But again, this is for urgent situations requiring immediate treatment so anything where there is time to set up an appointment and go to a doctor for treatment would not qualify under this benefit. Please look at our Visitors Insurance section to view the plans that we offer to cover visitors here in the U.S. You will be able to see which plans also include the Acute onset benefit in the list. I hope this answers your questions. If you have any more or need further assistance, please let us know.

You can click on View/Edit Input Details and from there change the Policy Max to $100,000 to see the plans that offer a higher policy max. For each plan you can click on the name of the network, if the plan has a network, to search for providers.

Thank you for contacting Insubuy. Please see the answers to your questions below. 1.In case he has a working visa sooner than expected (says, April 2017), and I bought insurance until May 2017. Is the time from April to May still valid since he is no more tourist (but got a working visa) This depends on the plan you purchase. We would recommend purchasing the Patriot America Plus plan for him as this plan will provide coverage for someone on a visitors or work visa. This plan will provide coverage until he is eligible to purchase insurance from his employer. 2. If anything happened, can he still claim and paid while in US without returning back to my country? All the plans on our website are administrated by companies located here in the U.S. He can process a claim online, or download a form from the current clients section of our website and return this to the claims department directly. There is no requirement for him to return to his home country and file a claim. 3. If he wants to shorten the period after bought insurance, is it possible, any penalty? You may cancel the policy Patriot America Plus plan after the effective date. You would receive a pro-rated refund for the unused portion minus a $50.00 cancellation as long as no claims have been filed since the effective date. 4. Is this insurance (Patriot America Insurance) also covered if he travelled to other countries, other than my country, e.g. mexico, canada? The Patriot America Plus plan will provide coverage to the insured anywhere outside of his home country. If you have any additional questions please let us know. You may also contact our office directly at (866) INSUBUY.

Thank you for contacting Insubuy for your insurance needs. If they are getting their green card when they arrive then you can review the plans in the New Immigrant section of our website. The plans will cover any new illness or injury that occurs after the effective date and will not cover any pre-existing conditions, preventative care, or routine maintenance. There are two types of plans you can choose from. There are fixed coverage plans and comprehensive coverage plans. The fixed coverage plans are basic plans that pay a fixed amount according to a schedule of benefits and if anything happens the majority of the cost will come from your pocket. The comprehensive plans will pay a percentage but because of their age will have a higher deductible to meet before the plan begins to pay. The majority of the plans can be purchased online. If you have additional questions please feel free to contact our office. Links for additional information: Visitors Insurance New Immigrant Insurance

None of the Atlas plans will cover the well child exams or vaccines. If you have additional questions please feel free to contact our office.

We wouldn't have information on providers offering free vaccines in your area. You can probably find that through an internet search.