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I completely understand you specifically asked that I should not respond to this. (By the way, I don't write anything inaccurate, anyway). However, as no one has responded in a couple of days, let me clarify something. Unlike other web sites such as immigration etc. where people routinely hang out because their greeen card processing takes many years and they are constantly looking for useful information, for example, most people come to this web site when they are looking for information to buy the insurance, or they bought some insurance (either the ones we sell or the ones we don't) and had some negative experience and want to write about it or looking for some help. It is not normal for many people to routinely hang out on this discussion forum. Most people look for information, buy something and go away. And most of those people either don't end up filing the claim or don't experience any problem. As a consumer, I myself would not hang out on Aetna's or Blue Cross Blue Shield's web sites and post positive experiences every time some one in my family happened to go to the doctor. That is because most consumers simply don't care. That is a fact of the life. I hope you understand what I am trying to explain. And I really hope that more and more people provide their feedback as that is the only way even for us to know about various plans and various companies experiences. Unfortunately, the positive ones are rarely posted.

Unfortunately, no such plans exist. Unfortunately, no such plans exist. Hi found this link. /atlas-america/acute-onset-pre-existing-conditions-coverage/ Would'nt this be helpful for the suggested scenario ? Thank you No, because Atlas America excludes skin conditions, even if it is new medical condition. Look at /atlas-america/visitor-medical-insurance/ What is Excluded? 15. Disease of the skin And please note that even for other diseases, it is only meant for acute onset of pre-existing conditions, something that happens all of sudden and is life threatening. I am not sure whether there would be anything life threatening in skin conditions.

You were provided correct advice. Patriot TRIP Elite is trip cancellation insurance. However, it also provides $50,000 in medical expenses. And it only provides that for first 30 days of the coverage. It must be purchased before departure from home country. You can put the trip cost as $0 (it will take it as minimum $500 internally) while actually applying. Therefore, it can be used to supplement Diplomat plan for first 30 days which only covers up to $1,000 for sicknesses within first 30 days. I hope that answers your questions. Thanks for the clarification. I have one other question--for "supplementing" Diplomat during the first month, would it make more sense to use one of the fixed benefit insurances (like inbound USA) for just the first month? I notice that this option would cost about 130$--compared to the 63$ for Trip ELITE (an increase that I wouldn't mind considering the 1000$ we are paying for Diplomat--*if* it has advantages over Trip ELITE). regards arizonan ps: by the way, I found these forums and your responses to be most useful information on the web in regards to the visitor insurance. 1. No, it would not make any sense, because with Patriot TRIP Elite, you are paying less and getting more benefits, no deductible, no coinsurance. On the other hand, Inbound USA is a fixed coverage plan. 2. Let me clarify Diplomat America benefits. During first 30 days, it covers up to $1,000 for sicknesses. That means, it pays $1,000 and NOT you. In other words, it has only $1,000 policy max for sicknesses within first 30 days of the effective date. 3. Thank you for the kind words. I really appreciate it. We, as a broker, work for you and are here to help you at any time. Please feel free to contact us at any time if you have any other questions.

1. Look at Patriot America at /patriot-america-lite-insurance/ 2. Yes. 3. Pre-existing conditions are generally not covered. There are some plans that cover acute onset of pre-existing conditions, in limited circumstances, up to a very limited amount. Please look at /pre-existing-conditions-coverage-visitors-health-insurance/ for more details. 4. That means that if the person dies from a covered medical illness/accident, the insurance company will pay for sending the body back home. If the person dies from a pre-existing condition, the insurance company will NOT pay for sending the body back home.

1. Look at Patriot America, available at /patriot-america-lite-insurance/ Yes, you can take them to Dr. if they get into any new sickness after the effective date of the policy. 2. Yes. Read /international-medical-ppo-network/ 3. Yes. 4. After the effective date, as long as no claims have been submitted since the effective date, you will get the pro-rated refund minus $50 cancellation fee. Mom has type 2 diabetes an is currently on insulin. If any complications arise directly or indirectly associated to the ailment, would that be covered by Patriot America or is there any other plans that would partially/fully cover. I was reading about Atlas also. Which is a better plan? Patriot America or Atlas. Thanks Diabetes is definitely considered as pre-existing and any expenses not covered. Both Patriot and Atlas are excellent plans. However, as they are from two different companies, there are few differences. You can visit https://www.insubuy.com and compare them side by side to see which feature difference is more important than others. i am looking for visitor insurance for my in-laws who are arriving tomorrow. I have looked all the plans and found patriot America as the best as it gives 90/10 and various deductible options. My in-laws will stay for 4 months here and in case if they stay longer for 2 more months, can I extend the plan without having any effect on my deductibles? and for example, if something happens during the first 4 months, will this be considered as a pre condition in the extended period? TIA Yes, you can extend it for next 2 months. Deductible is still annual. If something was covered in first 4 months, it would be covered in 5th and 6th month also. thanks for the quick response. I have a question, is there any difference between insuring jointly and doing it separately. if I have to do for my in-laws, can i add my Mother-in-law to father-in-law as spouse coz, when i do it jointly it says primary insured and spouse. Is there any difference as far the coverage is concerned? TIA You should buy them separately. Please look at the specific FAQ addressing this exact question at /visitors-medical-insurance/ thanks, that helps and i have gone through all the faqs. I will do it separately . Cheers

You don't have to buy for 6 months. You can buy just for 1 month. Thank you very much! Can you tell me the reason that I buy only ONE month's insurance for my wife since I could reply to my hosting university. Thank you That is because there is no requirement that you must buy 6 months insurance. I've got it. Thank you! You don't have to buy for 6 months. You can buy just for 1 month. Hi, Nerendra I have informed the university that my wife is going to stay with me in the US for about 10 days. But the university insists that she should buy 6-months' insurance since "regulations require J1 scholars to purchase health insurance for each dependant for the entire duration of their program." What regulations are they? I cann't see any reason why a person should buy 6 months' insurance for a 10-days' trip! Can you help me explain it? Thank you! I am not sure what regulations they are talking about. From our perspective, you can buy for howerver long you want it. Hi, here is the quoted reply: ... Federal regulations state that all exchange visitors (both J1 and J2 dependents) are required to have sickness insurance in effect for the duration of their exchange visitor status. I have included the federal regulations below. Federal Regulations: 22 C.F.R. § 62.14 (a) Sponsors shall require each exchange visitor to have insurance in effect which covers the exchange visitor for sickness or accident during the period of time that an exchange visitor participates in the sponsor's exchange visitor program. ... Is it the only solution? No alternatives? :confused: Unfortunately, you will have to go with whatever your organization is asking you to do.