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

Q:Visiting US and playing hockey Hi, my son is going to Florida to play junior ice hockey from the 1st August 2014 to 1st April 2015. He is English and he needs a good health insurance to cover him while he's in America, and it also has to be suitable for ice hockey because it's a rough sport and he's bound to need medical treatment for injuries sustained while he's playing. He had asthma when he was little but he hasn't had it for at least 3 years, and he's 18 years old. Can you recommend an insurance to meet his requirements because I don't really know what I'm doing and I can't find an insurance that covers ice hockey. Kind Regards

A:
Is he playing on a professional level? Any organized tournament? Does he get paid anything such as reward or price? This is not a professional team. It is a Junior team sanctioned by the USA Hockey national governing body. This is a ‘pay-to-play’ league where he is obviously paying to be part of this team. We play in the USPHL Empire league and play league games and showcase/league events for our game schedule. There are no payments, prizes or otherwise for players. They can refer to these websites for more info. Let me know if you need anything further. Unfortunately, we don’t have any plan that would cover that.
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Q:Kailash Mansarovar Yatra insurance I am a citizen of India and undertaking the Kailash Mansarovar Yatra in 2014. i would be travelling to Nepal and China for this overseas trip. I have certain queries which are listed below 1) can an Indian citizen based in India take this travel insurance 2) in case of emergency, how can one use this insurance- especially emergency helicopter evacuation as there are hardly any means of communication in the Himalayan areas. 3) is this insurance enforceable in India- as this is a USA based company having no direct presence is India

A:
1. Yes, you can purchase Atlas International insurance at /atlas-international-insurance/ 2. In case of an emergency help, you would call the phone number listed in your policy and on your insurance card. 3. We are an American company and all the companies we sell insurance from are also US based. We have no direct presence in India. Please let us know if you have any other questions. Thanks for the prompt response I would like to know whether the absence of your presence in India would any way hamper the execution of the policy in case of emergency. I mean is it as good as taking an overseas travel policy from any India based insurance company. We do worldwide business and there is absolutely not necessary to have a physical presence in a specific country. And that does not affect the service in any way. For example, please look at how it was handled in case of an emergency in Singapore where we don’t have any physical presence either /atlas-travel-insurance/. In fact, US based insurance works better than India based insurance. US based companies have been in insurance business a lot longer and have vast resources. To the best of my knowledge, Indian insurance companies do not even cover at the height where Kailash/Mansarovar are located. One more thing. Every summer, we have a lot of customers who visit Kailash/Mansarovar who purchase our insurance. That is why we have even made a specific web page at /kailash-mansarovar-yatra-travel-insurance/ just to provide proper information to our customers. Please let me if you have any other questions. Dear Sir: Many thanks for your valuable inputs. You have rightly pointed out that there are hardly any insurers for this Kailash Mansarovar Yatra. Just last couple queries before I buy your travel Insurance 1) this Yatra begins from Delhi, than it goes to Uttarakhand then to Nepal and then to China ( Kailash Mansarovar) and then back the same route. So will this overseas insurance will cover only the duration in Nepal and China ? or the entire itinerary as I am an Indian who will travel to Delhi from Pune( Maharashtra) and commence the journey.? 2) Will the policy document once taken will be couriered to India? 3) Being a US based company in no ways hinders giving insurance to citizens of other countries who are not based in USA and availing your insurance for overseas travel to destinations not in USA ? 1. Insurance will cover outside India. That means, it will cover in Nepal and China but not within India. 2. You will receive everything by email and you can print it out. It is ePolicy. There is no need to do courier. 3. Anyone who is traveling outside their home country can purchase the international travel medical insurance through us. Please let me know if you have any other questions. Dear Sir: Thanks for the information> I have taken overseas travel insurance from INSUBUY. Would recommend it to all friend who are going for Kailash Mansarovar yatra You are welcome. Thank you for your business and referral to others. If there is anything else we can help you with, please feel free to contact us at any time.
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Q:Insurance policy clarification - Golf coverage I just would like to check if any injury incurred while playing golf is covered by the Atlas America plan. Your prompt response would be much appreciated. Kind Regards,

A:
As long as he is not playing on a professional level, it would be covered in Atlas America plan. You can purchase it online at /atlasamerica-insurance/ Please let us know if you have any other questions.
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Q:Kailash Mansarovar travel insurance I need two travel insurance policies for myself 36/F and 42/ M. We are going for kailas Manasarovar yatra thats is 4500 mts. as a spiritual piligmage. so for visa purpose and in case of emergency for helicopter evcauation we need a policy. pls mail the quotation. We are Indian Citizens and Manasarovar is in Nepal , Tibet. pl email.

A:
There is a plan called Atlas International that will cover you. Below you will find the link for the brochure which includes the details of the plan and also the rates. /atlas-international-insurance/ If you have any additional questions please feel free to contact us. Hi I read your brochure. But I could not select one plan. Pls mail me the plan name. Its For Kailas - Manasarovar Yatra , In Himalaya , Nepal, Tibet in China. Its for Aug 8 to Aug 25 2014. Its for Two People 36 /F and 42 / M medically fit. wanna Cover any emergency evacuation in case of Mountain sickness, Helicopter Evacuation in case of Land slide or emergency. It should help to take Visa from Tibet China. Pls mail me the Plan Name and quotation and link. We are Indian nationals, residing in india - planning to go for a spiritual journey to Manasarovar lake and Kailas parikrama ( Walk around The Kailas Mountain 52 Km over three days) Pls Guide. Regards Plan Name: Atlas International Complete Information: /atlas-international-insurance/ You can purchase it online at /atlas-international/ Please let us know if you have any other questions.
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Q:Query regd Inbound USA Hello, I am browsing through insurance plans at your website and I came across Inbound USA insurance plan. When I look at the page for Inbound pop network: <a href='/fixed-coverage-visitors-insurance-ppo-network/'>/fixed-coverage-visitors-insurance-ppo-network/</a> I see following message: “Effective May 10, 2013, Inbound USA, Inbound Guest and Inbound Immigrant do NOT participate in any PPO network�. So In case i need to find a service providers covered under this Inbound USA plan, which PPO network should I mention ?? Thanks,

A:
As Inbound USA does not participate in any PPO network, you can’t really mention any PPO network. Thank you for your reply. Is it possible to get the insurance for ‘Acute onset of pre-existing conditions’ ONLY, through Inbound USA or Visitor Secure or any other insurance companies via insubuy? Thanks, No. Visitors insurance is primarily for new medical conditions, injuries or accidents that may occur after the effective date of the policy. Acute onset of pre-existing conditions coverage is added at no extra cost in several plans.
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Q:Queries regarding your Patriot America product Greetings, I am looking to get travel/medical insurance for my mother and my father. We live in Mumbai, India and my parents want to visit my brother in Manhattan, New York. They plan to travel in the 3rd week of June. We are looking for a plan which has: 1) Deductible 0f $250 2) Cover of $100,000 My mother has some pre-existing diseases which needs to be covered under the insurance. Below is a list of pre-existing diseases she has: 1) Diabetes (Stable condition) 2) Heart Disease 3) Has undergone bypass surgery in year 2007 4) Currently on insulin 5) Currently on multiple heart medication including blood thinner and blood pressure 6) Suffers from diabetic foot (ulcers on both feet) Past History ---------------------- My mother had been to New York in October 2012 and unfortunately, fallen sick. She Was admitted in Metropolitan Hospital Centre which falls under the South Manhattan Healthcare network. However, she has not been hospitalized since then. I have gone through a few insurance product brochures and have a few questions regarding your product: 1) I see some products have sub-limits for each item like limits for ambulance, pharmacy, surgeon visits etc but do not see that in your product. Does that mean you do not have sub-limits? Is your product comprehensive or fixed? 2) I saw limits for Hospital Indemnity as 100$ per night in your product. I did not understand this. Please could you explain this in a little more detail. 3) How do I know which hospital, regardless of it being in your PPO network or not, will bill directly to the insurance company? I do not want to first pay cash to get medical attention. 4) I read that to receive benefits, pre-ceritification is required for hospitalization, surgery, emergency medical evacuations, CT scans and MRIs. However, it also says that pre-certification does not guarantee benefits. what does this mean? Appreciate your cooperation. We are looking to buy an insurance cover asap. Regards

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know their age, travel duration. Once we get these information will be glad to answer all your questions. Greetings, Thank you for your email. Mother: 57 yrs Father: 61 yrs They plan to travel for 3 months or under 90 days from the 4th week of June. Thanks Thank you for your interest in purchasing visitors insurance for your parents. Please note there is no visitors insurance product available anywhere in the market that would cover all expenses related to pre-existing conditions. Some of the plans cover acute onset of pre-existing conditions up to some amount under some circumstances. Please read the following articles to understand that better. /visitor-medical-insurance-pre-existing-conditions/ /visitor-insurance-acute-onset-of-pre-existing-conditions/ /visitors-insurance-usa-heart-attack-coverage/ 1. We offer both fixed and comprehensive coverage plans. Please look at /visitor-insurance/ You will see two separately marked sections: Fixed and Comprehensive. You have not specified which specific product you are looking at. However, if you are looking at the plan with $250 deductible, that must be comprehensive plan because no fixed coverage plan has $250 deductible. 2. Please look at /visitor-health-insurance/#indemnity That is for other additional expenses such as food, telephone, taxi etc. 3. We offer several different visitors insurance plans. Some of them participate in PPO network while others don’t. The ones that participate in the PPO network has a link next to it that says something like “Direct Billing: Through _______ Network”. You can look at /visitor-insurance/ and search for the participating providers in a given area. 4. Pre-certification simply means that informing the insurance company about certain procedures you are going to get done. Whether a particular expense is covered or not can only be determined when the provider sends all the medical records to the claims department and not in advance. Please read various articles about Claims Process at /guide/ I hope that answers your questions. If you have any other questions, please feel free to contact us at any time. I just noticed that you have specified the product name in the subject line. Therefore, I will try to answer your questions again. Patriot America covers sudden and unexpected recurrence of pre-existing conditions up to $50,000 for people below the age of 65 years. Please read /patriot-america-lite-insurance/ for further information. 1. Yes, Patriot America is a comprehensive coverage. 2. Same answer. 3. Patriot America participates in Coventry/First Health PPO network. You can search for the providers in your area at /international-medical-ppo-network/ Please read /what-is-visitors-insurance/ and /international-travel-insurance/ for further information. 4. Same answer. If you have any other questions, please feel free to contact us at any time. Thank you for your email. However, I have a few more questions: 1) In your previous email, you said that there is no insurance product in the market, which will cover pre-existing conditions. However, your product will cover acute onset of pre-existing conditions. I have gone through the links you sent but just want to confirm. Am I right in thinking that my mother will not get any heart or diabetes treatment or insulin expense but if there is an immediate need for medical attention like an infection in her existing ulcers in her feet or because of her any pre-existing conditions, that medical expenditure will be covered by your product? 2) The $250 deductible I mentioned is just a ballpark figure. I am flexible if I am able to get a good comprehensive insurance. 3) You mentioned that your product is comprehensive. Does that mean there are no sub-limits for each medical expense? I read in one of the products that it will pay only $200 for pharmacy. If, God forbid, the medication needed is $2000 because of an acute on-set of a pre-existing condition, would that be covered by your product? Appreciate your reply. Thanks 1. Patriot America will cover sudden an unexpected recurrence of pre-existing conditions. It is not possible to give any more specific answer in advance until it actually happens as each case is unique. 2. Patriot America provides the deductible choices of $0, $100, $250, $500, $1,000 or $2,500. 3. That is correct. Patriot America does not have sub-limits for each medical expenses. There is no $200 limit for pharmacy for eligible claims. Please look at the brochure at /patriot-america-lite/visitor-insurance/ and the certificate wording at /patriot-america-lite/travel-medical-insurance/ If you see any such limit, please let me know as I didn’t see. I hope that answers your questions. If you have any other questions, please feel free to contact us at any time. Thank you for your email. It has answered almost all of my queries. However, I do have one more: Another concern I have is direct billing. Parents are going to be residing in the zip code 10128. I have searched for the hospitals in the link you gave but none of the hospitals I looked for, show the link 'Direct billing'. This is one of my biggest concerns. If, god forbid, the bill is $50,000, then I do not have $50,000 to pay upfront and then make a claim for it. Is there are solution for this? Many thanks Hospitals in the PPO network are direct billing. I have never seen any hospital demanding upfront payment like you mentioned. Most people in the US don’t have $500 cash with them, let alone $50,000. In other words, the link I sent you is not a simple Yellow Pages or Google search of hospitals or other providers. That is the list of providers that have contracted with the First Health PPO network, bill the insurance company directly and charge only the network negotiated fees. In Indian terms, providers in the PPO network provide cashless treatment. /cashless-visitors-insurance/ If you have any other questions, please feel free to contact us at any time.
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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.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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

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Are you an exchange visitor to USA?

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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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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