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Q:Comprehensive insurance Questions I am looking into Atlas America quotes for comprehensive coverage plans for my parents coming in soon. Was wondering if you help me with the following questions.. 1. Both my parents are aged between 65 and 70 with minor preexisting conditions.. Was wondering what will be covered and what will not be ? 2. Planning to take coverage for 3 months initially.. if they plan to stay back for more months later, was wondering if we can extend the insurance? And what's the minimum days required to extend the insurance? 3. Will they be getting their insurance cards, that they can use the way we use our medical cards here .. I mean just go to doctor.. show insurance card and pay the copay.. and rest is taken care of ? 4. Finally can you suggest the best plan for my parents?

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know their exact age. They between 65-69 yrs or 70+. Because benefits will be different for age 70 and above. Answer for your questions below: 1. Insurance will not pay for any pre-existing conditions or preventive care. However some plan has coverage for acute onset of pre-existing conditions for age below 70yrs. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ 2. Most of the plans you can renew before the expiration date. There will be $5 renewal fees. You can renew mini. For 5 days and it will be daily rate. 3. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print id card and other documents. If you select you want to receive card by mail then it will be mailed to you next business days. Insurance card will have policy number, claim address and PPO network logo. 4. We can suggest the plan once we you provide their exact age. Meantime, you can visit our website at www.insubuy.com If your father is 70+ then you need to get separate quote. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:Atlas Premium - Policy Clarification We would like to clarify the coverage restrictions with respect to Atlas Premium Policy on your website (<a href='/atlas-premium-america/visitors-insurance/'>/atlas-premium-america/visitors-insurance/</a>). Regarding coverage for pre-existing conditions the website mentions the following - "Acute onset only. Medical to policy maximum and $25,000 medical evacuation for persons under age 70" Could you please clarify the following two questions: 1) For persons over 70, is acute onset of pre-existing conditions covered under the Atlas Premium policy? 2) If it is covered, are medical expenses from the acute onset covered up to the policy maximum ($100,000 in our case)? It wasn't clear from the language on the website.

A:
Thank you for your interest in purchasing insurance through us. Atlas Premium plan covers acute onset of pre-ex age below 70 years. So Under Atlas premium plan any expense related to pre-existing will be excluded. Atlas Premium brochure, instant purchase link, /atlas-premium-america-insurance/ From 08/15. We have some plan that covers acute onset of pre-existing conditions up to age 90 Yrs. More information on acute onset of pre-ex at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans , narrow by plans with pre-ex coverage, you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:Need Visitor Insurance Hello: I am looking for visitor insurance can you send me quote below are the dates & details. Father DOB: 10-JUL-1951 Mother DOB: 08-JUL-1956 Arrival Date: 08-JUL-2016 Return Date: 21-NOV-2016

A:
Thank you for your interest in purchasing insurance through us. As a broker, we provide insurance from most of the major companies available in US Market. If you provide the state that they will be visiting and the visa type we will be glad to send you the quote by e-mail. Meantime, you can visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:Visitors Health Insurance I'm going to to California (Orange County) next July for summer holiday. I'm from UAE and i need to buy health insurance for the one month period that i will stay in California. We are a family of 8 people: My husband 46 years myself 45 years 18 years old son 16 years old son 13 years old son 11 years old son 7 years old daughter and 36 years old my daughter's nanny. None of us has a chronic health condition and i'm looking for health insurance that covers emergency services and god forbidden admissions due to emergency health problems.

A:
We would be glad to assist. Please provide the exact dates you are needing coverage and we can provide you the appropriate quotes. I need you to also list your family’s country of citizenship. There will be 3 separate quotes we will be sending. One for you, your spouse and all children 17 years of age and younger, one for your 18 year old son, because he is considered an adult and can no longer be included on the family policy, and one for your nanny. Please let us know if you have any additional questions and once we receive this information, will forward quotes to you. Here are the information you requested for: All are UAE citizens except the nanny she is Philipino. My son will be 18 years old next December. We'll arrive on 18th July and leave on 15th August 2016. May i know the insurance will be valid at which type of health facilities? Public/ private/ non for profit.. etc Also we need the insurance covering state of California and Las Vegas. Thank you for the information. You can purchase Atlas America plan. You need to do separate application for nanny. You can do one application for your family. Atlas America brochure, instant purchase, provider network and other useful information, /atlasamerica-insurance/ You can also find more plans at www.insubuy.com We have also send you two quote in a separate e-mail. Please feel free to contact us if you have any further questions.
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Q:US citizen and wife visiting USA Hello, I am looking to get travel insurance for my wife and I. Currently, I live and work in Korea. We will be visiting my family next month. I am a US citizen. My wife is a Korean citizen. Am I eligible for any of your plans? If so, can I get one plan for both my wife and I or will I need separate plans because we are of different nationalities? Thank you very much.

A:
Thank you for your interest in purchasing insurance through us. You can’t do one application for USC and Non USC. You have to do separate application. You can purchase Liaison Continent plan for you and Patriot America Plus plan for your wife. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ You specified that your wife is Korean Citizen but not sure whether she has greencard or not. So you can purchase Patriot America plus. Brochure, instant purchase link, /patriot-america-plus-insurance/ Please feel free to contact us if you have any further questions.
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Q:interested in visitors to USA medical insurance I'm interested in buying medical insurance for my family who will visit US soon, particularly Atlas America or Patriot America. In case of trip cancellation, do you offer refund for the policy? Please let me know.

A:
Thank you for your interest in purchasing insurance through us. Both of the plans will offer a full refund if cancelled prior to the effective date. 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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Visiting USA?

Healthcare costs are very high in the U.S.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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