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Thank you for your interest in purchasing insurance through us. If you are coming to US on E3visa. You can’t purchase Safe Travel plan. You need to purchase Patriot America plan. Which is very similar to Safe travel plan. Patriot America brochure, instant purchase and other useful information, /patriot-america-lite-insurance/ You can also look at other plans at, /new-immigrant-insurance/ Please enter appropriate criteria and you will find some plans. You can compare them side by side. If you have any further questions feel free to contact us. Hi, Thank you for the advice. Where/what is the wording in the Safe Travel Plan policy that prevents E3 visa cover? I read the online wording and would like to know so I can check other policies, including Patriot America. Regards, Safe Travels USA plan is designed to be purchased who need coverage outside their home country. As E3 visa is a resident non-immigrant visa, you will be living in the US and your home country would be considered US. Therefore, you can’t get the coverage in the US under Safe Travels USA. However, as you are non-US citizen, the Patriot America plans allows you to put either USA or Australia (country of citizenship) as your home country irrespective of where you live. Therefore, in order to get the coverage in the US, you can put your home country as Australia in Patriot America. You can’t do the same for Safe Travels USA as in that plan, where you live is your home country. I hope that answers your questions. If you have any other questions, please let us know.

Thank you for your interest in purchasing visitors insurance. 1. You can purchase different plan for each person. 2. Refund rules vary for each plan. Next to each plan that is refundable, you will see a link that says ‘Refundable’ and that will show the refund rule. Please look at /visitor-insurance/ 3. Our FAQ is the best clarification we can provide. 4. Please read /what-is-visitors-insurance/ for in-network claims. Yes, you will receive ID card. 5. Next to each plan that has PPO network, you will see a link ‘Direct Billing…’ at /visitor-insurance/ You can search for the participating providers there. We use different email addresses just for tracking purposes to see where the requests are coming from. Irrespective of the email address, they all come to the same place and answered by the same people. If you have any questions, please feel free to contact us at any time. Thx.. Pls clarify on point # 3 below. Will the plan cover treatment related to GI problems if they resurface? Your explanation in FAQ doesn't give direct answer on this. I want to have absolute clarity on this before purchasing from you which is why I am disclosing the condition to you. There is no way to make the assessment in advance for any specific medical condition. It is determined at the time, after the fact, based on the medical records and the attending physician report, whether something is a pre-existing condition, an acute onset of pre-existing condition, sudden and unexpected recurrence of pre-existing condition or excluded medical condition. But when insurance companies say that they cover acute onset of pre existing condition, doesn't it mean it covers any medical problem of the past which got re-surfaced due to any reason while policy is effective? All I am trying to understand is that if i have to take my mom to a hospital due to an illness which she had in the past (but now she is normal and doesn't need doctor visit) will she come under the purview of pre existing coverage or not. I know it is specific to an individual but based on the info I have provided can we not figure out anything? I am not necessarily looking for a YES answer here but need clarity. Regards Please read /visitor-insurance-acute-onset-of-pre-existing-conditions/ That is the best clarify I can give.

Hello, In most cases, if you go in network the providers (doctors, hospitals, urgent care centers, etc.) will bill directly but there is no way to guarantee which providers will or will not. The only way you can get more information about the billing practice is to contact the providers directly. If you do contact them you will need to reference the PPO network names such as First Health, Coventry or Multiplan PPO. If an provider chooses not to bill directly then you will have to pay upfront & then file for reimbursement. If you have any further questions please feel free to contact us. Hi, Thanks for very prompt reply. I would greatly appreciate if you can kindly answer following queries. 1. If we are buying insurance from you, in case an provider chooses not to bill directly and we have to pay upfront and then file for reimbursement, will you help us with settlement of claim? 2. Out of the four plans mentioned (Atlas America, Liaison Continent A, Patriot America, Safe Travels USA), which plan would you recommend? In case you have other better options, kindly suggest those as well. 3. Can I buy the plan from India? Would you mail the policy to non USA address or you need address in USA? Your reply will help us buy the plan at an early date. With best regards, 1. We are not involved in day to day claim activities. However, if you have any problems with the claim, you can certainly contact us and we will be glad to help you. 2. You can purchase Atlas America, available at /atlasamerica-insurance/ 3. As the purchase is online, you can purchase it from anywhere. You will receive the policy by email immediately. Additionally, you will receive the policy to whatever mailing address you specify, whether it is India or US or anywhere else. Please let us know if you have any other questions.

Thank you for your interest in purchasing visitors insurance for your mother. Unfortunately, there is no plan available anywhere that would cover everything. Each plan has their own terms and conditions. Please look at /atlasamerica-insurance/ It is an excellent plan. If you have any other questions, please feel free to contact us at any time. Firstly, is this policy valid in Canada? Secondly, what will be the premium if I buy this Atlas America Insurance policy for $ 100000.00 1. Yes. 2. The premium information is on the link I sent you. For $100,000 the price would be Deductible Price $0 - $1149.18 $100 - $1009.56 $250 - $918.27 $500- $826.98 $1000 - $733.90 $2500 - $642.61 Please let me know if you have any other questions. -

If someone is visiting the US for 82 days on a visitors visa, that person would definitely be eligible for Atlas America insurance, available at /atlasamerica-insurance/ By the way, visitors to USA are not considered US residents. That is because even though they are physically present in the US, they don’t really live here.

Thank you for your interest in purchasing visitors insurance for your parents. I certainly remember you as you have purchased the insurance from us several times in the past. For your father, based on the policy maximum you would like to go for, here are my recommendations: $50,000 - Patriot America $100,000 - Atlas America $150,000 - Patriot America + Atlas America $200,000 - Patriot Platinum America + Atlas America $250,000 - Liaison Continent (It must be purchased first BEFORE any other ones) + Patriot Platinum America + Atlas America For your mother, you can consider purchasing Atlas America. All of the plans are available at our web site https://www.insubuy.com Please let me know if you have any other questions. I have purchased policies for my Dad and Mom (Atlas) from InsuBuy. Your personal attention in replying to my emails and calling me on the phone is why I like to do business with you and your firm. Thanks, I appreciate that from you, and pls. keep up the good job of giving care and attention to your clients. Thanks, You are welcome. And thank you for your business. If there is anything else we can help you with, please feel free to contact us at any time.