Ask Our Specialists

Please see the answers to your questions below. 1. If any pre-existing ailment like DIABETES and HYPERTENSION causes or results any unforeseen medical issue that has never occurred before and that requires hospitalization, will that be covered? The plans are primarily designed to cover any new illness, injury or accident which occurs after the effective date of the policy. They will not cover pre-existing conditions routine doctors' visits, immunizations or medications in relation to a pre-existing condition. The Atlas America and Patriot America Plus plans provide coverage for an acute onset of a pre-existing condition up to the policy maximum for anyone under the age of 70. An acute onset is defined as a sudden and unexpected recurrence of a pre-existing condition that occurs all of a sudden without any prior symptoms or warnings and treatment must be taken within 24 hours. If something happens to the insured which meets the definition provided the plan would provide coverage. This determination is made by the claims department at the time of the occurrence. The claims department determination whether approval or denial will be made utilizing the attending physicians statement. 2. If the pre-existing ailment is chronic. If the ailment progresses and causes any acute problems or problems that has not occurred in the history of the patient and the onset of the problem requires hospitalization, will that be covered? Chronic or congenital conditions are excluded under the policy. Any ailments which are caused by the congenital condition would also not be covered under the insurance since the exclusion is listed in the policy certificate wording. 3. If hospitalization occurs as a result of accident, will that be covered? If the accident is considered an eligible medical expense the plan would provide coverage for the hospitalization. The benefits would be paid according the guidelines of the policy. You may also obtain assistance by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.

Thank you for contacting Insubuy. We are unable to renew the policy once it has expired. You may purchase a new Patriot America Plus policy as long as the insured is still eligible. You may purchase online using the link provided or over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.

There is a plan that you can purchase to cover you in the interim period for your entrance on a K1 Fiance visa. The plan is called Patriot America Plus. However, there are no plans on the market that you can purchase to cover pre-existing conditions until you are eligible to enroll into a domestic insurance plan. Fiance (K1) Visa insurance The domestic insurance plans will typically be available once you have filed for adjustment of status and you obtain a social security number, unless you are enrolled as a spouse under your fiances employer insurance if this is applicable. This will be the same for dental insurance as well. There is a dental and vision discount plan available called Careington that you are eligible to purchaser that will offer discount on different dental events according to a schedule. Careington Dental & Vision Discount Plan

Before we suggest any plan would like to know what kind of pre-existing your father in law has for which are you looking for acute onset of pre-existing coverage for him? In general, insurance for an international visitor does not cover pre-existing. However some plan provides coverage for an acute onset of pre-existing below age 70 years. While one plan provides coverage for acute onset of pre-exisitng for 70+ also but there are some restriction. Please look at Safe Travels USA Comprehensive plan. If you provide his travel date and which state do you need coverage for him will be glad to send you quote by e-mail. Please find more information on Acute Onset of Pre-existing Conditions. You can also get quote at our website. Please enter appropriate criteria. You will find many plans, you can narrow by pre-existing coverage (acute onset) and compare them side by side. Please feel free contact us if you have any further questions.

The plan we would recommend for going to Cuba is the Patriot International plan. You can look at other options on our Cuba Travel Insurance section. The cost of the plan will vary depending on the length of time you need the coverage as well as your age and if you are a US citizen or not. Once you have clicked on the link for the appropriate Patriot plan then you will be able to see more information about that plan. From there you will click on quotes and purchase to enter the information mentioned above to see the cost. If you need additional assistance please feel free to contact our office.

Thank you for contacting Insubuy for your insurance needs. The medical plans do not include coverage for dental and vision. There is a Dental/Vision Discount plan that will provide a discount for services. The medical plans can be found on our website by entering the required information and clicking search and compare. If you need additional assistance please feel free to contact our office.