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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Insurance coverage for parents with pre-existing conditions Hello, my father is coming to visit me in US for about 6 months. He has pre-existing conditions such as BP, Diabetes, and he also had a by-pass heart surgery done several years back. He is healthy and stable and takes few medicines for diabetes and bp daily. I'd like to understand what insurance coverage is good. I am looking to buy Patriot America Plus that provides coverage for Acute Onset of Pre-existing conditions. Reading the details of the plan, it seems acute onset of conditions that are chronic condition and/or conditions for which regular medication is taken, may not be considered as Acute Onset, and may not be covered? What happens if my father gets a heart attack or a diabetic stroke. He has not had any of those in past, but what if those happen? I understand it all depends on medical history and case by case, but given the fine prints, does that clearly says NO you will not be covered here. Should I buy Patriot America Plus or not given the situation above. This is what it says in fine prints of Patriot America Plus: "Acute Onset of Pre-existing Condition: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. "
Q:Insurance plan change My name is Lijian Wan. I purchased a European travel insurance yesterday. But when I used the insurance to apply my Schengen Visa, it turned out that I bought a wrong one. The insurance should be non-deductible. I attached the requirement below: Travel insurance on one page. Please note, that an insurance card is not sufficient proof of coverage. If the insurance company cannot provide a letter covering below mentioned requirements, please find international insurance that does. Insurance is not required from the applicants holding a diplomatic passport. Name Validity for the entire duration of the journey Validity area: Schengen / EU / World wide The coverage of amount of approx. USD 40,000 (EUR 30,000) non-deductible. Must cover the following: - Medical expenses - Hospitalization - Repatriation for medical reasons and death Could you please help me change my insurance to another plan so that I can use it to apply my Visa. I will pay the price difference.
Q:Schengen Visa Insurance Good Day, I'm looking forward that you can address my inquiry for my future plans to travel in Norway as Visit Visa. The Norwegian Embassy or Consulate requiring me to have my Travel Insurance about 30,000 Euro to cover my Travel Visit in Norway for 70 days. I am planning to visit in Norway on October 2016 on-wards (before end of 2016). Thus, i am looking for insurance company that can accommodate and provide me insurance to complete my future application. I am Filipino, Philippine Passport Holder, but i am residing now in Doha State of Qatar for an employment. My sister in Norway will invite me for a visit and she can provide other documents needed. Kindly supply the below questions; Is your company can provide me to the said Insurance? How much it cost to cover the whole travel? Do you accept online transactions and payment via Credit cards? How long it takes the processing time and to complete the documents? Can i have the requirements needed for the application? I am looking forward to your favorable response. Many Thanks.
Q:Inquiry regarding insurance plan for Schengen, Spanish visa letter I'm interested on buying one of your plans for visa Schengen and I was wondering if your can provide me the insurance letter in Spanish, since I'm submitting my visa application in the Dominican Republic consulate. Hope to here from you soon.
Q:Schengen visa insurance I am planning to visit Pari from 25-Jul till 2-Aug along with my family. I intend to go for visa appointment in end of April at French Embassy .As a part of embassy docs for Schengen visa ,I would like to request a medical insurance quote meeting the requirements for Schengen visa,with details as below: Total Travelers 4: Traveler1 : nationality India,US Permanent Resident ,Age:41 Traveler2 : nationality India,US Permanent Resident ,Age:37 Traveler3 : nationality:US Citizen,Age:8 Traveler4 : nationality:US Citizen,Age:11 Will be traveling back from New Delhi and stopover in Paris on way to US. Looking forward to hearing from you.
Q:Schengen Travel Insurance Hello I am interested to gel a health insurance for me, directly It is possible. I am currently living in Ireland but I'm going to go to Switzerland before go back home (Venezuela) and I need to know if I can get a policy with you.
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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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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.
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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.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
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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