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Q:Visitor Medical insurance. My Mother (Age 58 years) will be visiting me in California for around 6 months. She is generally fit except that she has Diabetes. I was looking at various options and nearly finalized "Atlas America Comprehensive" plan. Just wanted to make sure that I'm making a right choice considering her length of stay, existing condition etc. Please let me know if this is a right choice or is there any better option I should be considering? Thanks!

A:
Yes, that is the right choice and excellent plan. You can purchase it online at /atlasamerica-insurance/ Thanks for the quick response!
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Q:insurance for climbing over 7000 meters Hi, I am going on a climbing expedition to Nepal on a mountain over 7000 meters and will be using special climbing equipment. I have already purchased search and rescue through Global Rescue. Where in the past many insurance companies provided medical insurance for such activities should injuries happen, now I am having difficulty to find such coverage. Can you help me /direct me to the right organization and the right coverage please. I looked up Atlas International to buy their Sports Rider pac which I could not find. When I spoke to them they told me it automatically comes with their Atlas Travel pack now where as in the past it was sold as an add-on. Is this correct information that I have been Given? Plus when I looked at their exclusions it says if a climb is over 4500 meters then it is not covered. However I read in one of the forums here from 2011 that the Sports Rider pac will eliminate the excision !!!! Now you can see why I need help! One more note, I am a Canadian citizen but current live in Dubai. The reason I say this is because some insurance companies are particular about the citizenship and the residence. Thank you in advance

A:
Yes, you can purchase Atlas International plan. Please look at the latest certificate wording at /hccmis/atlas-america/description-visitors-insurance.pdf You will see that there is no restriction of 4500 meters. Yes, it is correct that earlier the sports rider was optional, but now a days, it is automatically included. You can purchase it online at /atlas-international-insurance/ Regarding your activities above 4500 meters, even though not specific to your mountain peak, the following pages may help you: /kailash-mansarovar-yatra-travel-insurance/ /mount-kilimanjaro-travel-insurance/ If you have any other questions, please feel free to post them here or contact us at any time. Thank you for providing clarification. However the link on the Atlas website states differently. Http://www.hccmis.com/atlas-travel-insurance-coverage/. Please look at number 27 under Other Exclusions section. Furthermore I have had the below email exchange with them. *********** Mehdi, Our policy will not cover mountain heights of 4500 feet or higher, and we do not have any kind riders that you can put on our policies. Again, I do apologize for any inconvenience this may have caused you. From: Mehdi Attarha Sent: Monday, September 23, 2013 3:24 PM To: Johnson, Mario Subject: RE: Medical emergency coverage for mountaineering in Nepal Dear Mario, Thank you for the prompt response and providing the direct link. Prior to purchasing the insurance coverage can you please clarify the following points; - The suggested insurance coverage covers medical emergency for mountaineering/climbing to mountains overs 7000 meters using special climbing equipment? The reason I ask is because when I read the details the exclusions state that if a mountain is over 4500 the medical emergency costs will not be covered. However in the past your organization had a plan called "Sports Rider" which would cover such costs. Saying this I can't find the Sports Rider pac any longer. Can you please clarify this matter and let me know if medical emergencies for my upcoming activity is covered with the plan you have suggested and sent the link for? - The fact that I am a Canadian citizen but living abroad does not make change things. Again the reason I ask is because some insurance companies are particular about this matter and I just want to be clear. - From the provider link you send me I noticed there are a couple of Direct billing Hospitals/Clinics and some Extended. Can you please clarify what Extended means? Thank you in advance and looking forward to hearing back from you. Best Regards, Mehdi +971557007848 ********* Again more confusion. What is the date of the issue of the certificate link you sent me. The link I provided on the message is what I copied and pasted today. Thank you and looking forward to hearing from you. There is a confusion at the insurance company's side and they have different versions on their own web site. I am working with the higher management of the insurance company trying to clear up this confusion. Once it has been cleared up, I will post the results here. Sorry for the confusion caused by the insurance company. Thank you. Would you be able to give me a timeline as I am going on my climb on oct 12th and need to purchase this insurance. Otherwise would you be able to give me an alternate option? Again thank you in advance. 1. I should hear back mostly today or tomorrow. We need to get this clarified as soon as possible. 2. Unfortunately, I don't have any other alternate options as that height, especially if you don't have the US address. Thank you and looking forward to your update I received the response from the Vice President of the insurance company that the one we have on our web site is the correct one and they will fix their version. However, I am not confident about the whole situation. Therefore, I leave it up to you whether you would like to buy it or not. /atlas-international-insurance/ Thank you for all your help I am pleased to inform that the version on their web site has now been corrected and it does not reflect the restriction of 4500 meters. In other words, the information on our web site has been accurate all along. You can purchase it online at /atlas-international-insurance/ Excellent. Once again thank for your excellent support.
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Q:Looking for advice for parents issurance - visit to USA from India Looking to get parents (mine or my wife's) into the US for a period of 3-4 months. One of 73 yrs old ( has a heart procedure - stents) & the other is 68 yrs old. Looking for something that can over pre-existing conditions. Premium is not a problem. (1) What policy (ies) do you recommend? (2) Also how do these work ? Do I have to pay money upfront and then claim from the companies or do the doctors recognize the insurance policy and know who to call? Meaning I dont see in the insubuy.com site any names such as 'United Health' or 'Bluecross/Blueshield' or etc Answers or any guidance would be much appreciated...

A:
Thank you for your interest in purchasing visitors insurance for your parents or in-laws. The companies you mentioned do not provide visitors insurance. What you see on this web site are all the major companies in the US market that provide visitors insurance. 1. For your father, who is 70+, I would recommend /patriot-america-lite-insurance/ for $50,000 and /patriot-america-platinum-insurance/ for $100,000 policy maximum. Please read /visitors-insurance-for-parents-visiting-usa-70-to-79-years-age-group/ for further details. For your mother who is 68 years old, I would recommend /atlasamerica-insurance/ 2. All the plans I mentioned in #1 are PPO plans. You get an insurance card. There are many doctors and hospitals in the network. You just take the card to them and they can bill directly. More details at /what-is-visitors-insurance/ If you have any other questions, please feel free to contact us at any time. @insubuy - I want to understand what is the advantage of a comprehensive plan like Atlas over a plan like Inbound Guest for someone above 70 ? Does PPO provide better rates finally in any major incidents ? Thanks 1. Inbound USA is a fixed coverage plan. Fixed coverage plans pay a fixed amount for each and every procedure and you pay the difference. e.g., it will pay $55 for Dr visit, $250 for ER visit, $2750 for surgery and so on. That means, if you have $40,000 surgery, it will pay $2,750 and you pay the difference beyond that yourself. Please read /visitors-insurance-risks-of-purchasing-fixed-coverage/ to understand more. On the other hand, Atlas America is a comprehensive coverage plan. That means that it does not have the individual sub limits for each and every procedure. e.g., if you have $40,000 surgery, it will pay all $40,000 in eligible expense and you will only be responsible for the deductible + coinsurance, if any. You can read about fixed vs comprehensive coverage plans at /visitors-insurance/ Therefore, we always recommend everyone to buy comprehensive coverage plans only. 2. If the plan participates in PPO network (Atlas America does), and if you visit the providers in the PPO network, they will only charge you the network negotiated fees, which are typically lower than their regular fees. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time. Thanks for the quick reply. On a different post, you had mentioned 'Even with PPO network's network negotiated fees, you will have to pay a large balance out of your pocket ". Do you have any guideline/rough approximation as to how much it could be for a major surgery for instance, for the Bay Area ? 1. That comment was posted when many fixed coverage plans participated in PPO networks. Now most fixed plans such as Inbound USA etc. don't participate in any PPO network. Therefore, the out of pocket would be even higher. Therefore, we always recommend everyone to purchase comprehensive coverage plans only. 2. Unfortunately, there is no way to make any such approximations as the costs vary a lot and many times, hospitals/doctors charge randomly, whatever they feel like. Thanks again for the clarification; in your experience with comprehensive coverage plans, does it lower the out of pocket for the portion after policy maximum (say 50 K). If the expenses are beyond the chosen policy maximum, no insurance company will pay anything any will have to pay 100% out of your pocket. Please note that network negotiated fees (PPO network discounted fees) apply only towards the eligible expenses. They do NOT apply towards ineligible expenses. To understand better, I want to rephrase my question 1) With comprehensive insurance, in case of procedures that for eg: with network negotiated fees comes to 70 K and the policy max is 50k, is the OOP 10 k ? 2) Is 50 k comprehensive insurance for 70 + person generally considered a reasonable coverage, even with PPO negotiated fees ? 1. If network negotiated fees are $70,000 and the policy maximum is $50,000, you pay $70,000 - $50,000 = $20,000. Of course, within $50,000, you will still pay your deductible + coinsurance (which is 10% in network for first $5,000 = $500). 2. That is OK. However, $100,000 is preferred.
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Q:From Which level ? I think, International Students Insurance a good for Students as a social work. But I want to know, Which level is right time to get the opportunity?

A:
We don't understand your question.
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Q:OPT Insurance Hi, I am on OPT now with F1 visa , i completed my masters last month 20th at NJIT. I had my university insurance while at school. am i eligible for any insurance on your site particularly student secure or student advantage as they mention they allow OPT. i called customer support , they said my university insurance is domestic , so i am not eligible. my university provides the same insurance for all us and non-us students. how can that disqualify me to have any insurance?

A:
As long as you are on F1 visa, you can buy Student Secure, available at /student-secure-insurance/
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Q:How can I get the Student insurance ? Hi, I am a student of a university.I live in Bangladesh. I want to know how can I get the student insurance from my country and which opportunity may got from them?

A:
You can look at international student insurance plans at /international-student-medical-insurance/ Thanks for sharing your website about international student insurance plans. There have some option for USA But I live in Bangladesh. How can I get this opportunity from my country? You can buy from us from anywhere you like, including from your own country.
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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.

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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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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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