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Ask Our Specialists

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

Q:Visitors insurance I am looking for Visitor insurance for father in law who is coming in April and will stay 2 months in NY . He is 55 Years old and He is healthy , request you to recommand best insurance plan and carrier . -Venu

A:
Provided you are going to buy the insurance before she arrives in NY, you can consider buying Atlas America Insurance. It is currently the best visitors health insurance. 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.
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Q:Different Health Networks What is the most comprehensive health network? Also if I am a UK citizen and my wife is US would we have to go on Liason or cud we choose Atlas/Diplomat LT etc. Are there any which cover pre-exisiting conditions?

A:
Is your wife US citizen? What is your country of residence? How old are you? How old is your wife? How long are you visiting the U.S.? Do you have intention to permanently go back to your country of residence of after your temporary stay in the U.S.? What type of pre-existing conditions are you concerned about? Who has that? I am UK while my wife has US citizenship I am 22 while my wife is 20 While i am a student in the USA our primary residence is the UK. We will need coverage from Jan 16-2011 till Jan 15-2012 when we will be returning to the UK You indicated that you are a student. Are you on F1 visa? Are you studying full time in college/university? More information you provide, it would be helpful for us to provide you accurate information.
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Q:F2 visa, pls give some suggestion Maybe I want to pregnant next year, could you suggest the insurance for me?

A:
Do you want to buy the insurance only for yourself, or also for your husband who is on F1 visa? Only buy insurance myself, he got one. In that case, there is no insurance plan available just for you that would cover maternity. If he buy insurance again, any one we can choose? Look at Study USA Insurance
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Q:Please suggest a plan We have invited my inlaws to visit us here in the US. I have following concernsquestions with repect to their travel, stay , and insurance. PLease spare some time in helping me choose the right insurance. 1) Uncle is diabetic (not on insulin), would be around 61 yrs of age. He had had a stunt placed in heart about some 5 to 6 yrs ago. He is doing well. Are these considered to be preexisting conditions 2) Aunt is around 55 yrs of age and is a tiny bit high on cholestrol (not much). She sufferes bouts of asthma (just Asthmatic symptoms, not exactly Asthma) This is the case, what kind of insurance would you suggest, am just not familiar with any of the insurance terminology, please guide. Also , if there is anythign that they should be doing prior to their travel, please advise. Thanks much for your time and help.

A:
Thank you for your interest in purchasing visitors insurance for your in-laws. 1. Yes, they would be considered as pre-existing conditions. 2. Those would be considered as pre-existing conditions as well. Given the scenario, I recommend that you purchase Atlas America Insurance. It covers up to $15,000 in acute onset of pre-existing conditions for persons up to the age of 70 years. I hope that answers your questions. If you have further questions, please feel free to contact us at any time or post them here.
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Q:Coverage of pre- existing conditions Hi! My father is a heart patient and had a bypass surgery about 9 yrs ago.He still takes medicines for lowering cholesterol and B.P. He will soon be visiting the US and is planning to purchase the Atlas America insurance in which pre- existing conditions are covered. Will his condition be covered ? Also if he ever claims for insurance will he have to produce his previous medical records in the US? Thanks

A:
Provided he is below the age of 70 years, Atlas America Insurance will cover an acute onset of pre-existing conditions up to $15,000. Acute onset of pre-existing conditions means something unforeseen emergency occuring out of the pre-existing conditions an all of sudden and you take the treatment within 24 hours. Depending upon what exactly happens, some of the conditions of your father may be the candidates for coverage under this clause. What prior medical records are required depend upon the case by case and it is difficult to give the general answer. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time. Thanks for the reply. So should he be carrying all his medical records from india in case he needs to be seen by a doctor or file a claim. It is not mandatory to do so. However, it may be handy just in case he needs to produce some records.
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Q:Visitor Health Insurance Hi, I am from Brazil and my wife (DOB 09/09/1964), daughter (DOB 03/25/2004) and me (DOB 04/05/1966) intend visit Orlando,Florida(18 days). We will leave Brazil on 01/28/2011 and return 02/16/2011. We are looking for a good health insurance for us ( peace of mind ) to that period. I ask your suggestion. I am thinking to purchase Patriot Platinum America, what do you thinK? Any other suggestion? And about deductible i am thinking about 250, is it ok? Waiting for your answer. Thank you and congratulations for your site. Jorge

A:
Patriot Platinum America is an excellent visitor health insurance. It provides the most amount of coverage. $250 is the most common deductible that people choose. You can purchase it online at Patriot Platinum America Insurance. If you have any other questions, please feel free to contact us at any time or post them here.
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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?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

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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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