There was a problem, please make the requested changes and submit again:

  • Search criteria is required. {{ error }}

Ask Our Specialists

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

Q:Patriot America Insurance - Rider Hello, I had a question about the Patriot America insurance. I have purchased this insurance online in the past, and was always able to select the optional return rider when I signed up for it. However, when I attempted to sign up for the insurance using the website tonight, the only optional rider listed was the adventure sports rider. The Citizenship Return Rider was not listed. Has that rider been discontinued? Regards,

A:
Patriot Return Rider has been renamed as Citizenship Return Rider. It shows up only in the cases where it is appropriate to select it, not always like earlier. Please call our office at (866) INSU-BUY so that we can analyze your situation to find out whether you need that rider or not anyway.
{{currentOrigin}}/answers/visitors-health-insurance/patriot-america-insurance-riderhello-i-had-a-question-about-the-patriot-america-insurance-i-have-pur-58643/

Q:Help needed on determining what visitors insurance to purchase Inlaws visiting US for 3 months starting June 6th. Ages 67 and 74. So far leaning towards Liaision International Option 1 with 1000 deductible. (50k max) plan would pay 80% upto first 5000 after ded met then 100% upto 50,000 What is your experience with this plan... You seem to be very helpful to everyone on the blogs.... that is why I decided to come to you for advice. Regards,

A:
Thank you for your interest in purchasing visitors insurance for your in-laws. I am glad to help you. Yes, Liaison International is an excellent plan and has been around for a very long time. You can make instant purchase online at https://www.insubuy.com Please feel free to contact me at any time if you have any other questions. Thanks for your prompt response. Just wanted to get your feel on the claims process with this insurance. Can the Doctors and Hospitals bill directly in case there is need for hospitalization/doctor visit with the understanding that deductible and 20% for first 5000 remains our responsibility. I may call you briefly in the evening if that is ok. It should not take more than 5 mins of your time. Thanks for your service to the Indian community! Regards, Please read /international-health-insurance-claims/ to understand the claims process. You are welcome to call at any time. Thank you for the compliments. Please feel free to contact us at any time if you have any further questions.
{{currentOrigin}}/answers/visitors-insurance-usa/help-needed-on-determining-what-visitors-insurance-to-purchasedear-narendra-inlaws-visiting-us-for-50609/

Q:Pre-existing conditions in visitors insurance person had heart problem 5 yrs. back & is on medicines since then.will this be cosidered as prex. condition. if yes is ther any possibility of covering withextra premium? age is 70+

A:
That you would be considered as pre-existing conditions. Please look at the plans at /pre-existing-conditions-coverage-visitors-health-insurance/ that cover some kind of pre-existing conditions, up to some extent, under some circumstances. Please let me know if you have any other questions. Thank you very much for your reply. I have one more question. The online forms of insurance co. does not ask for pre existing conditions.Then how to inform them? If somebody is hospitalized for illness not connected to existinig condition then it will be known to them only when they receive Dr.'s report. Will this be considered as hiding the condition at the time of taking policy. In that case patient will not receive any benefit. Hope you will reply to this. Thank you, Yours Sincerely, Visitors insurance plans are not medical underwritten plans. Therefore, you don't have to provide any medical information in the online application. Please read /visitor-medical-insurance-pre-existing-conditions/ to understand more about pre-existing medical conditions. Please feel free to contact us at any time if you have any other questions.
{{currentOrigin}}/answers/visitors-medical-insurance/preexisting-conditions-in-visitors-insuranceperson-had-heart-problem-5-yrs-back-is-on-medicines-sinc-50075/

Q:Mailing address question Hello, I want to purchase Plan A-$50,000Maximum couse I'll be visiting U.S this Sep. I just completed the apply form online,and I have a question, should I leave the contact information as current address instead of U.S correspondence address, because I have not arrived yet. And the quote of Plan A is $350.4, my visa card was issued by China, can I directly use it to pay the bill? Thanks!

A:
You can buy the insurance online at https://www.insubuy.com You will have to specify the U.S. address. You can specify someone else's address you know. If you know no one, you can put our address Insubuy, LLC. 4700 Dexter Dr, Suite 100 Plano, TX 75093 USA Once you arrive in the U.S., you can give us your address and we will mail you the cards there. Yes, you can use the card issued in China. If you have any other questions, please let us know.
{{currentOrigin}}/answers/visitors-health-insurance/mailing-address-questionhello-i-want-to-purchase-plan-a50000maximum-couse-ill-be-visiting-us-this-se-46223/

Q:Grand son as dependent in visitors insurance I am traveling to U.S. with my grandson. Can I add my grandson to my insurance plan as my dependent?

A:
No.
{{currentOrigin}}/answers/visitors-medical-insurance/grand-son-as-dependent-in-visitors-insurancei-am-traveling-to-us-with-my-grandson-can-i-add-my-grand-57432/

Q:Visitors health insurance for parents My parents are coming to US on May 28th and leaving for India on September 11th. They will live in my house in Chicago and might take trips to Seattle, Niagara Falls, DC, etc. Please recommend insurance plans for them. My dad will be 69 and turn 70 in Aug. He has had by pass surgery. Other than that, he is healthy. My mom will be 64 and she has diabetes and high blood pressure. Please give your suggested insurance and the reason you chose this particular insurance program. Would it be better to take insurance for them separately or together in one transaction. Thanks,

A:
Thank you for your interest in purchasing visitors health insuracne for your parents. You can consider purchasing Atlas America plan, available at /atlasamerica-insurance/ It is a comprehensive coverage plan and it covers up to $15,000 in acute onset of pre-existing conditions for persons below the age of 70 years. It is better to buy two separate policies as you have more flexibility in terms of renewal, cancellation etc. The total premium is the same in either case. Please let me know if you have any other questions. I have decided to buy Atlas America from Insbuy like you had suggested. Do I have enter my address in US or my parents address in India for mailing address in application? They are coming to US this Friday and I am going to ask for Insurance card to be printed rather than mailed. Another question...like other similar insurances on Insubuy, does Atlas provide any card for prescription drugs and do they offer any discounts? Thanks for your help. 1. You can put any address but we recommend that you put US address. 2. There is no discount card for prescription drugs in Atlas America. Howver, prescription drugs are covered in Atlas America anyway as a medical expense. Thanks for your quick response. I have couple of quick questions. My dad will turn 70 (Aug) in the middle of his insured period. From what I read on Insubuy and other posts by you, I will still pay the premium for 64-69 year old (which he is now when I applying). Is that right? * If we need to go to see doctor or hospital for any procedure after he turns 70, will he have any problem since he paid the premium for 69? * For $15,000 covered for acute onset of pre-existing condition, it says it covers for only less than 70. Will they not cover him if he has any onset after he turns 70? Thanks, 1. When you pay the premium, you pay according to the age group he is in at the time of the effective date. If he turns 70 in the middle of the duration for which you have already paid, it does not matter. However, if you would like to renew it after he has already turned 70, the rates according to 70 years will apply. 2. There is no problem in going to the doctor or hospital even after he turns 70, just because you have paid the premium for 69. 3. Once he turn 70, there is no coverage for acute onset of pre-existing conditions. I hope this answers your questions. You can purchase the insurance online at https://www.insubuy.com
{{currentOrigin}}/answers/visitors-medical-insurance/visitors-health-insurance-for-parentsdear-narendra-my-parents-are-coming-to-us-on-may-28th-and-leav-13542/

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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More