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Q:Need Italy visa medical insurance I’d like to buy medical travel insurance for myself and my husband (both of us 29 years old) for 10 day trip to Italy in August 2007. We have to apply for Italian visa in order to go to Italy. The Consulate requires letter from insurance provider that each of us will be covered for any medical expenses, hospitalization and repatriation for at least 30,000 euro during our stay in Europe. They want exact wording as above. Please, let me know If you have a plan that would fit my needs and provide me with the letter as above I’ll purchase it from you. Kind regards,

A:
Once you purchase, after 15 minutes, visit /travel-and-student-insurance-visa-letter/ to print the visa letter that you need for Italy visa. That letter is in the exact format that the consulate requires. Please let me know if you have any other questions.
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Q:why is my insurance application always declined online I am a visiting scholar in Virginia Tech, Blacksburg, Virgina. I will stay at USA for one year. I want to buy the Insurance, that is 'Visit USA-HealthCare Basic Plan'. But after I completed the application online(<a href='/visit-usa-insurance/'>/visit-usa-insurance/</a>, the website shows the application to be declined. I use my visa credit card, which issued by Shanghai Pudong Development Bank, Shanghai, China. Does your company have a limitation on the credit card? If not, why decline my application? By the way, I can use this card to pay for my others shopping online in USA. Thank you very much.

A:
It is possible that your credit card company is declining the transaction. I would suggest that you call your bank and ask them to manually authorize the charge and try again after that.
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Q:Atlas International Insurance I found your company through www.****.com and I was interested in the Atlas International US Citizens plan BUT my partner and I live in Ireland so as you can see we do not qualify for the insurance. Can you tell me if you can quote for insurance along the lines of the above policy for us as Irish Citizens? If you can quote for us we would like the policy to be an Annual Multi Trip Policy including travel to the USA. Other elements we would like included in addition to the elements of the above policy are:- Trip Cancellation (reimbursement for non-refundable trip payments and deposits if a trip is canceled for sickness, injury, death or other specific unforeseen circumstances.) Travel Delay (reimbursement for meals and accommodations when a trip is unexpectedly delayed.) Missed Connection (reimbursement in the event of a missed flight connection) Financial Default of Travel Provider (in the event of a complete suspension of operations due to financial circumstances whether or not bankruptcy is filed.) Baggage Delay (reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 24 hours) I understand that your insurance is LLoyds of London, therefore if you are unable to facilitate us in the above, would it be possible for you to give me contact details for the particular department at Lloyds of London so I may contact them direct. The Details of my partner and I are:- Traveler 1: 36 years old male living in Ireland Traveler 2: 34 years old female living in Ireland Name: Jonathan Peter Marren We both hold private medical insurance policies with Quinn Direct. Thank you for your time in this matter. Best regards

A:
Thank you for your interest in purchasing Atlas International. If ***.com says that Atlas Intenrational is only for US citizens, that is outdated information. Atlas International is for anyone traveling outside home country and outside the US. Citizenship is not a factor in considering eligibility. It used to be like that around 3 years back, but not now. You can make instant purchase of Atlas International online at /atlas-international-insurance/ However, if you are traveling to the USA, you need to buy Atlas America, available at /atlasamerica-insurance/ Both, Atlas America and Atlas International are single trip plans. If you would like multi trip plan, you need to look at Atlas Professional instead, available at /atlas-multitrip-insurance/ However, please note that none of the above plans would cover trip cancellation and other items you mentioned. If you want the plan with trip cancellation, visit /trip-cancellation-insurance/ All of them are single trip plans. There are no multi trip plans from any company that would cover trip cancellation. Please let me know if you have any other questions.
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Q:medical insurance for a trip outside the USA Hi, I am a Swiss citizen living in the USA. I will be going to Pakistan for 5 weeks and to Switzerland and France for 2 weeks this summer (July-August 2007).I would like to purchase an insurance that will cover me for this trip (30 June to 26 August 2007) as well as the activities I will be doing (I will be on an expedition in Pakistan to climb the Diran peak (7262 meters) and will be climbing and mountaineering in France and Switzerland.Therefore I will need a plan with the hazardous sport rider with No altitude limitation. Looking at the different plans from the different companies, I have seen that the Atlas series from MultiNational Underwriters offer this type of insurance without altitude limit However, before I can buy a plan from you, I have a few questions: 1) I could not understand whether I need the Atlas America or Atlas International, I read on some documents that Atlas International was for US citizen outside the US AND for non-US citizen living in the USA but traveling abroad (which would be me). However, on other documents, I read that all non US citizen had to buy Atlas America, Please advice me which plan I should by and why (and where is the reliable information) 2) I will be part of a mountaneering expedition and thus would like to make sure that I will be insured with this plan (including the hazardous sport rider) even while mountaneering and that there are no altitude limit. Could you please confirm that this is the case. 3) The schedule of benefits says that emergency medical evacuations are covered only if the attending physician certifies that the evacuation is necessary. Obviously, there are No attending physician part way up a summit in Pakistan, and if an accident happened that is life threatening, my friend or the guide will call the rescue to get an helicopter to evacuate me to the nearest hospital. Could you please confirm that this will be cover by the insurance. 4) The schedule of benefits says (under trip interruption) that, if following an emergency medical evacuation, the physician states that it is necessary to return to my home country for proper medical treatment, a one way economy flight will be paid for till the terminal closest to my residence (so Boston). However, if the medical condition is so bad that one cannot be treated in an hospital in pakistan, obviously, one cannot either walk and take an economy flight to the state and then take a bus to a hospital to get the necessary treatment. So how does that work, please explain me. I look forward to hearing from you, and than you very much for your time Best Regards

A:
Thank you for your interest in purchasing Atlas travel medical insurance. Here are the answers to your questions: 1.. International 2.. OK 3.. there has to be an attending physician and they have to work MNU or TravelGuard. No company is going to evacuate him out of there without A. A physician present B. Guarantee of payment. 4.. the transportation between the airplane and hospital etc. would fall under "local ambulance" benefit. You can make instant purchase online at /atlas-international/travel-health-insurance/ Please let me know if you have any other questions. Thank you for your answer, I still have some problems with point 3, and I guess you may not have understood the question. When you are on an expedition in the Himalaya and get injured climbing a summit, no physician is going to come from a large city, walk to the Base Camp (between 3 and 10 days depending on the mountain), then climb up to camp 1 or 2 (another few days), look at the injured person (dead by now), say "yes, this person need to be evacuated", descend to Base Camp to use the radio to call the rescue company for a helicopter (Askari Aviation in Pakistan). How it really work is: When climbers arrive to Pakistan, they visit " Askari Aviation" deposit US$ 6,000 against possible rescue, obtain a rescue kit (with a radio, and flags and signals to show the helicopter where to land). then the expedition members will take the bus (24h bus ride), and walk to the base camp, and spend weeks attempting to climb the mountain. If a climber get injured while climbing, a member of the expedition will descent to Base Camp, radio Askari Aviation, who will despatch a helicopter, meanwhile, other climbers will try to descent the injured person to an altitude where a helicopter can fly safely (usually less than 5500 meters) and a flat place where the helicopter can land. Then the injured climber will be helicoptered to the nearest hospital, and the nearest phone. So it is only at this time that the companion or the doctor of the injured person could phone the insurance or anybody, as it is the first place that has a phone. So as you see, no rescue company is going to wait to have the green light for any insurance company, as that would mean the death of the climber, which is something everybody usually try to avoid..... So please let me know how atlas travel medical insurance work, I thank you very much for you time, What you are describing falls under local ambulance coverage.
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Q:Vistors Care Insurance I have been reading the forums at immihelp.com reg the health insurance and have questions: A Visitor's care fixed coverage insurance plan mentions deductible to be paid per period of coverage. e.g. If I purchase the insurance for 90 days and if my dad makes 5 visits for covered treatment during this 90 days then I have to pay only for one visit. Please clarify if I am right. B. How soon the card will arrive from the date of online purchase of Visitor's care insurance. I would apreciate your quick response. Thanks

A:
Thank you for your interest in purchasing Visitors Care. A. You have to pay the deductible only once per the entire policy period. B. You will get in the email right away. Also, it would be mailed to you by postal mail the next business day. And post office takes around 4-5 days to deliver first class mail. You can make instant purchase online at https://www.insubuy.com Please feel free to contact us at any time if you have any other questions. Thanks for your quick response. So, if I take one policy with coverage per period for my dad/mom, then each will pay the deductible only once per coverage period irrespective of the number of incidents? Please correct me if I am wrong. Also this happens to be a better choice over the per incident coverage provided by Inbound USA since the per coverage period does not distinguish incidents? Please advise me which is better. While waiting for the actual ID's can I still use the printable ID card to see the doctor in case of emergency?? Thanks once again for all your help and quick response. 1. Deductible is per per period of coverage irrespective of number of incidents in Visitors Care. 2. Inbound USA has deductible per incident. 3. Yes, you can use the printable ID card while waiting for actual ID. Please let me know if you have any other questions.
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Q:My 2 daughters' trip to Netherlands Hello - I need to insure my two daughters, ages 20 and 25 residing in N.Y. State, from May 18 - June 2nd. They are making a trip with me to The Netherlands departing from Toronto Ontario. Although I have cancelation insurance for us, I am unable to get out-of-country medical insurance for them here in Canada. Could someone get in touch with, email is fine, with some details?

A:
Look at Atlas International at /atlas-international-insurance/
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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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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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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.

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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.

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You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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