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All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Hello, I would like to know few details about the Atlas International Travel Insurance policy. Please find the information of travel below: 1) Activity/Place/Country: I with 5-6 more friends are going for TREKKING in Nepal, to the famous Everest Base Camp (EBC). 2) Altitude To Gain: Near about 5600 Mts. (18400 Ft.) maximum. Average altitude - 3500 Mts. 3) Nature of Travel: High-Altitude Trekking, by walking 4) Start from: Kathmandu (Nepal) ; End at: Kathmandu (Nepal) 4) Duration: 20 days 5) Time: Oct-November 2016 Now here are my queries: 1) Is this particular type of travel (trekking at High altitude, in the Himalayas mountains) covered? 2) If yes, is this altitude (max 5600 Mts.) covered within insurance? 3) Is there a facility of "Emergency Evacuation" included within the plan? 4) Can the plan cover an emergency evac. by HELICOPTER at that altitude, to Kathmandu (the capital of Nepal), if one suffers a sudden and unexpected illness that requires immediate treatment or if he is in an accident and suffers an acute serious injury while trekking? Please provide me with all the details considering the place of travel and the altitude to be covered and a helicopter emergency evac. Must be included in the plan.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas International plan. . You will find all the answer in certificate wording. Please feel free to contact us if you have any further questions.
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Q:Health Insurance for visitor to USA My mother is visiting me on 6 May 2016 She has pre-existing condition Hypertension and Diabetes II (controlled with medications,no hospitalizations in India,her stress test ,blood work is within range) Very active recently retired. I want to buy health insurance for my mother I read about comprehensive coverage but i want an insurance that covers pre-existing condition.

A:
Thank you for your interest in purchasing insurance through us. Insurance will cover new sickness, injuries or accident that may occur after the effective date. It does not cover routine maintenance for the pre-existing condition and preventive care. However, some plan covers acute onset of pre-existing conditions for age below 70 years. More information on acute onset of pre-existing conditions, /visitor-insurance-acute-onset-of-pre-existing-conditions/ In order for us to suggest any plan would like to know your mother's age, travel date and which state do you need coverage? Once we get these information will be glad to send 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. If you have any further questions feel free to contact us. Thank you for the reply I am looking for insurance that will cover emergencies like heart attack and stroke. My mother is arriving on 6 may and will stay till august 22. What's her age? Her age is 67 years. We have sent you quote in a separate e-mail. You can purchase any of the comprehensive plan that we have sent to you in e-mail. Please feel free to contact us if you have any further questions. You can also get the quote on our website at www.insubuy.com 1)saw the quotes it gives me options All the options are for comprehensive plans and will cover emergency situation 2) The money listed is for 109 day stay Whatever plan you see with acute onset of pre-ex coverage . It will be determined by the claim dept. based on the dr. notes whether that is acute onset of pre-existing conditions. Whatever the dates you specified. Quote is based on that. Next to each plan you will see the duration of quote. Please let us know if you have any further questions.
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Q:Confirmation of coverage for US citizen travelling to the US I am looking at the “Safe Travels USA Cost Saver� plan for an upcoming trip this summer. I am a US citizen living abroad and my daughter also holds a US passport. I wanted to confirm that this insurance plan would cover US expatriates on travels back to the US. The stay back in the US would be June 28th - July 28th 2016, at which point we would return to our current residence in Thailand. Could you please confirm if this is the right plan for us or if not please direct me to the one we should select.

A:
Yes. Safe travel Cost saver plan you can purchase for USC whose home country is outside USA ,visiting USA for less than 90 days and returning back to their home country. You are eligible to purchase Safe Travel Cost saver plan. Safe travel cost saver brochure, instant purchase link, /safe-travels-usa-cost-saver-insurance/ You can also purchase Liaison Continent plan. /safe-travels-usa-comprehensive-insurance/ Please feel free to contact us if you have any further questions.
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Q:Atlas America Insurance Questions How can I include car accident coverage in USA? I do not get this option while buying insurances!

A:
The example provided in your attachment is referring to covering someone medically in case of a car accident. If someone is involved in a car accident the plan will cover them for their injuries. If you are looking for car insurance then this plan will not offer any coverage for the vehicle. How can i include it then in my plan, accident injuries? It will not cover liability insurance. But will cover medical automatically but it will be secondary to any other insurance you will have like car insurance.
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Q:Good visitor insurance for age 70 plus Could you please provide a good insurance for 70+ person visiting USA. Is Atlas American good one? What is the filter on the acute onset of pre-existing conditions?

A:
Yes, Atlas America is a good one. It will not cover pre-existing conditions for 70+. Please read acute onset of pre-existing conditions at /visitor-insurance-acute-onset-of-pre-existing-conditions/ You can purchase Atlas America online at /atlasamerica-insurance/ Is there anything else you could suggest which would cover the pre-existing for 70+. Updated 08/15: We have some plans for age 70+ which covers acute onset of pre-existing conditions up to $25000 for age 70-89 yrs. You can those plans at www.insubuy.com Please enter appropriate criteria. Select policy max. $50k.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. Have a great day!
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Q:Travel insurance USA- Non Immigrant visitor I am travelling to USA ( CA/FL/DC/NY) from 10th to 30th July 2016. I wish to have insurance coverage for this period of travel. I have some existing problem of minor Disc Herniation in my lower back. Please advise how to cover this existing problem and what would be best and most economical premium cover for this?

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there is no plan on the market that will cover your pre-existing condition. The plans for visitors will cover any new illness or injury that occurs after the effective date of the plan. While some plans do include coverage for an acute onset of a pre-existing condition for people less than 70, a disc herniation would not fall under that benefit. 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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