Ask Our Specialists

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.

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.

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.

Thank you for contacting me again. I definitely remember you very well. That’s no problem. It will cover anywhere outside the home country. At $1 million policy maximum, Liaison Continent covers acute onset of pre-existing conditions up to $150,000 for the persons below the age of 70 years while Atlas still covers at $100,000. Therefore, it would be beneficial to go for Liaison Continent in this case. Atlas America now participates in First Health Coventry and nothing else. You can purchase Liaison Continent online at /safe-travels-usa-comprehensive-insurance/ Please let me know if you have any other questions. One other question. Based on my past experience, Atlas America appears to cover 100% (after deductible) when within the PPO network and billed directly. Liaison Continent A appears to be always 80/20, is that right? Is the Multiplan PPO network larger than First Health/Coventry? Thanks, 1. That is correct. 2. There is nothing like that. While the number of results may vary based on a specific criteria entered, it would work out to be either way. Therefore, I would not make any decisions based on that.

Hello, An acute onset is a life threatening emergency that occurs without any advanced warning or symptoms and the treatment must be taken within 24 hours. Please see the link to the Acute Onset FAQ below: /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you have any further questions, please contact us. Hello, Thank you very much, I have gone through the link provided. I am all clear except, have following doubt based on situation my family member has. My father had partial seizures in November 2012. He is taking anti epileptic medications currently. He is doing good and planning to visit my place. By any chance (I hope that wouldn't be the case, praying to god), if he will have stroke during his visit to USA, will that be fall into "An acute onset Pre existing Condition"? Thank you, For any given situation, it is not possible to tell with certainty in advance whether it will be ‘acute onset of pre-existing condition’ or not as each case is unique and the determination can only be made after it happens. Hello, I got that from the link and that is the only reason i described situation. Based on that, can i have some information? Our answer still remains the same. For any given situation, it is not possible to tell with certainty in advance whether it will be ‘acute onset of pre-existing condition’ or not as each case is unique and the determination can only be made after it happens.

Thank you for your interest in purchasing visitors insurance for your parents. Please note that the insurance prices are regulated by the law and for exactly the same coverage, no one can offer any different price. It can’t be a penny higher or lower. There is never any concept of any discount. Even if I buy for my parents 10 times, I will have to pay the same price as you. Including Insubuy, there are various insurance aggregators who have made their own quoting engine using the rates given by respective insurance companies. I can’t comment about others but it is certainly possible that other agents’ rates are not up to date or they are not sure of how to calculate the duration/rates properly or some of them may have rounding errors. However, please note that when you decide to purchase a specific plan, we all use the online application given by respective insurance companies (which is the same no matter what agent) and the rate quoted by them is the final rate that you end up paying, irrespective of any web site like ours show. And I am confident that our web site is accurate. If could you kindly call me directly and give me the exact criteria that you entered, I would be glad to do the manual calculation for you and show you where the difference is coming from. Please be assured that no one can offer you any lower price for the same insurance. I look forward to hear from you soon. I did the calculation on the following criteria on both web sites and found an identical price. Age: 60-64 Spouse Age: 60-64 Coverage Dates: 05/07/2014 to 11/02/2014 (180 days) Policy: $50,000 per person Deductible: $250 per person Liaison Continent A: $1,720.80 (both web sites) Patriot America: $1,593.00 (both web sites) Therefore, could you kindly let me know what discrepancy are you seeing? I put the criteria on both web sites and see identical prices. The screen shots are attached herewith. Therefore, I am confused about different prices. I would appreciate you pointing out the difference, when you get a chance. As we are open 7 days a week and we always provide the best service to our customers and remain on your side when you need it, I sincerely request you to purchase the insurance from your web site at https://www.insubuy.com I realized what caused the difference: I had used 179 days for *.com (excluded one day during flight – please see attached) vis-Ã -vis 180 days for Insubuy. Appreciate your effort in showing me that they are the same for the same duration! Regards, Thank you for letting me know. I am glad that it got resolved. I checked again on our web site for 179 days and the prices are the same that you attached. Please let me know if there is anything else we can help you with.