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Ask Our Specialists

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

Q:International Major Medical Insurance Plan - PPO network Hello, I am interested in the International major medical insurance plan: <a href='/international-major-medical/travel-insurance/'>/international-major-medical/travel-insurance/</a> If I buy this plan, how do I find a doctor who accepts the plan and will bill you directly? I searched your web site and couldn't find any information about which doctors in my local area accept the plan. I am not interested in any plan where I need to pay the doctor out of pocket and then file all the paperwork myself to get my money refunded. Thanks, Shuba

A:
Thank you for your interest in purchasing insurance from us. PIU International Major Medical Plan does NOT participate in any PPO network. It is up to the provider whether to bill the insurance company directly or not. However, we have many other insurance plans that participate in PPO network. It would be the best if you could call our office so that we can know your requirements and suggest you the most suitable product for your needs.
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Q:Insurance for my next trip to USA I am from Bangalore India, visiting Plano Texas from 16 days. I will be starting from Bangalore and returning back. My age is 34 Years. No per-existing diseases (BP, Diabetics). Can you please send me the quote for travel and health insurance.

A:
Thank you for your interest in purchsaing insurance. You can consider purchasing Atlas America, available for instant purchase at /atlasamerica-insurance/ You will find all the details there. If you have any questions, please feel free to contact us at any time.
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Q:Diabetes - Acute onset of pre-existing conditions Hi there, I wonder if you can help me please? Both my wife aged 63 and myself aged 68 have Type 2 Diabetes, both are controlled by medication and not insulin. Neither of us have had treatment other than the regular medication in the past 6-12 months at least. We both have high blood pressure, again controlled by medication with no additional treatment in the past 6-12 months at least. Would we be covered under the pre-existing medical conditions? Neither of us have ever been admitted to hospital for either condition. Thanks for your help

A:
There are several plans that cover acute onset of pre-existing conditions, described at /visitor-insurance-acute-onset-of-pre-existing-conditions/ You can look the plans such as /atlas-america-insurance/ /safe-travels-usa-comprehensive-insurance/
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Q:Medical evacuation insurance for Cuba Last March, I purchased a policy covering MedEvac , which is my main concern. I was (and soon will be again) visiting Guantanamo Naval Air Station. It had a more reasonable premium that what I am finding today. Could you please email me with info on what that was and what the cost would be for a similar policy. Liaison traveler is at the top of the printed page that I kept. I am currently covered by Medicare and Anthem Blue Cross and Blue Shield (supplemental). I do not need trip cancellation insurance. I am 76 years old. Thank you.

A:
Liaison Traveler has been discontinued. And there are many products that simply don't provide any coverage in Cuba. Please look at Liaison Continent at /cuba-travel-insurance/
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Q:Coordination of Benefits I am having a hard time trying to figure out how COB works with Visitor Medical Insurance policies. If I have two plans (say, one from INSUBUY and another from a different broker), how would one determine which plan is primary and which is secondary? Is there a specific rule such as - the plan with better coverage is the primary and the other is secondary? Would I be able to nominate which plan is primary, or would the health care provider determine it when I show them both plans? (say, depending on which network the provider belongs to, or whether or not the insurance will cover that specific claim). How about scenarios where it is quite clear that only one of the policies will cover a claim and the other will surely reject it - can I simply go ahead with the policy that will cover the claim? Also, would I be required to disclose the multiple coverage scenario to both insurance companies? Finally, even considering the fact that I am ok with paying two premiums, would carrying multiple insurance policies do more harm than good? Is there any precedent for such a scenario? There are specific reasons why I am considering this option, but all my internet research done so far only talks about cases where a person is covered by multiple plans due to his/her spouse also having employer provided coverage - which isn't the case here. Any help or insight provided by an insurance agent will be greatly appreciated. I am hoping there is a precedent for this even though I couldn't find any related discussions in this forum. Thanks, Vijay.

A:
Which plan is primary and secondary is determined by each plan and is not dependent upon from which broker you purchase the insurance. We offer most major plans available in the U.S. market and if you let us know the names of various plans we offer that you are considering, we can tell you precisely which one would be primary and which one would be secondary. If there is a plan that we don't offer, we can not comment about it. You will have to ask the seller of that plan for any questions you have. You can't nominate which one is primary and which one secondary. Of course, you are required to complete all the forms truthfully and if asked, you must declare what other insurances you have. You can't at will choose with which company you want to file the claims. If you can kindly call our office and discuss the specifics, we would be glad to help you to the extent we can.
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Q:Finding alternative insu for int'l student Finding the default type is quite costly, I would like to apply for another with those requirements: - A max deductible $500 - Min $50,000 in medical benefits per accident/illness - Min $10,000 for medical evacuation - Min $7,500 for repatriation I am appreciate very much if you could suggest me the suitable type that could count in.

A:
Please look at Patriot Exchange Program at /patriot-exchange-program-insurance/ It sounds great. Besides, I also found that there is a plan called "Student Health Advantage" and it also has some relevant benefits. But the "repatriation" section is not mentioned. Would you mind providing me more information about this? Repatriation of mortal remains is already included in Student Health Advantage. Please look at the brochure at /student-health-advantage/international-student-health-insurance/
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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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New immigrant to USA?

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

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Going on a vacation?

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

Buy a trip cancellation insurance package plan and be worry-free.

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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.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

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

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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