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Ask Our Specialists

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

Q:US visitor travel/medical insurance I am arranging for my parents' US visitor travel/medical insurance who will leave India on 11th June 2011 and will stay up to 3rd Dec. 2011 9@ 6 months) Their last month's medical reports are perfectly normal so; I am not worried about them much but still it will be better to have their visitor insurance so; could you please suggest me better plan for them? Father - 1945 Mother - DOB - 1948 IS any scope to terminate or extend the insurance term other than purchased period if we need to in any emergency condition? Please guide me ASAP so; that I can buy accordingly. Thanks, Vimal

A:
You can view all plans they are eligible for by filling on the form on our home page www.insubuy.com. We always recommend going with a comprehensive coverage over the fixed coverage. Atlas America is one of The best plans under comprehensive. It can be extended for up to a year, there is a $5 fee for each extension. It is cancellable should the insured leave early. After the effective date, provided no claims have been submitted against the policy, you can receive a pro-rated refund minus a $25 cancellation fee. If claims have been submitted there is no refund. You will receive an email shortly with a link to the quote page. Please feel free to contact us if you have any questions.
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Q:Pre-existing conditions coverage Hi, My mom is planning to visit us from India and she is currently getting treated for lung cancer. She is getting medication from a doctor in India and is in stable condition. If I buy a insurance from you guys which has some pre existing condition coverage, what all will it cover? Would it cover if she gets sick for anything related to her cancer and would it cover anything that might not be related? Please let me know.

A:
No plan covers pre-exisiting conditions. There is a plan called Atlas America that covers the acute onset of a pre-existing condition. This means something that comes on without any warning and is a life threatening situation. For more information on this: Pre-exisiting condition faq - /visitor-medical-insurance-pre-existing-conditions/ Atlas America Brochure - /atlas-america/visitor-medical-insurance/ Acute onset coverage - /atlas-america/acute-onset-pre-existing-conditions-coverage/ There is no list of what is or is not covered, it is determined at the time of claim if something is related to a pre-existing condition. Please feel free to contact us if you have any questions. Please note that cancer is specifically excluded in case of Atlas America. And acute onset of pre-existing conditions coverage is only for people under the age of 70 years.
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Q:pregnancy insurance for non immigrants Hi there. Im visiting the usa from Pakistan on an a2 visa and ill be here for about 10 mnths beginning 16 may 2011. My wife and daughter will be arriving here in usa soon but not later then august 2011. Wifes date of birth is 29 nov 11 Daughters is 1 jan 2009 My wife has jst told me that she is pregnant and that its most likely her first month and the baby delivery dates shud be in mid feb. Both of them have an a2 visa. Can u please tell me which policy will suit us on a2 visa and non immigrant status, the max coverage shud be 400,000 dollars and cover her pregnancy and childbirth options too. Thnk u very much.

A:
There is no plan exist that covers maternity.
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Q:Visitors insurance for Chinese in-laws My in-laws (Chinese citizens) will be staying with us for approximately one year. I would like to acquire health insurance for them to cover for emergencies (we live in Louisiana). They are both in their seventies and in great shape. Please advise what options are available. Thanks

A:
Thank you for your interest in purchasing insurance through us. We have insurance from many companies. There are fixed and comprehensive plan. If you want i can sent you the insurance quote in separate e-mail. Our website is / please enter the approprite criteria and you will find many plans. Link for view all Visitors plans on our website, /visitor-insurance/
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Q:Travel medical insurance with vision I am planning to take travel medical insurance for my parents which covers vision too..Can you suggest a plan?

A:
There is no such plan. Look at /individual-family-dental-plans/ for a limited coverage of vision under dental/vision.
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Q:Visitors insurance for mother Hi, My mom is going to visit us for a month starting June 4th this year. She plans to stay at least 3 months but it will depend on the duration allowed at port of entry. We are planning to buy insurance for her initially at least for a month and then we will renew it. We are currently in Johnstown, PA 15905. However, in June 25 we will be moving to Greenwood, IN. So she will be spending 20 day of insurance period at 15905 and then rest of the 10 days in Greenwood, IN. I was wondering will this different locations affect her insurance? Which insurance policy will be best? She is 50 years of age and without any pre existing medical conditions. Let me know . Thank you.

A:
You can consider purchasing Atlas America Insurance, available at /atlasamerica-insurance/ It will provide the same coverage everything in the U.S.
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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.

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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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Most schools require international students to purchase health insurance.

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