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No, it would not affect your ability to extend the coverage as long as the plan you purchase itself is extendable. So there is an option to choose whether the plan I bought is renewable, isn't there? Whether the renew of the plan should go through the medical provider underwritten, and there is no risk for renewing it and keeping the same materity care coverage as long as I choose "extendable"??? Thanks again. You have understood it wrong. You can extend the plan does not mean it will cover maternity. In fact, no short term plan covers maternity. Which specific insurance plan are you planning to purchase? Also, you have posted the question in the wrong forum. This forum is for long term insurance and you want short term insurance.

0. Administrator: /visitor-health-insurance/#administrator Carrier: /visitor-health-insurance/#carrier IMG is the administator while Sirius International is the carrier for Protection America. Claims are handled by IMG. TIS is the administrator while AIG is the carrier for Visit USA / World Med. Claims are handled by AIG. 1. As you can see at /visitor-health-insurance/#ambest AM Best is the overall rating of the insurance company. That does not represent the rating of the plan itself or IMG vs. TIS service. As long as any carrier is A and above, they are all good and you should not make any decision solely based on AM Best rating. If some company is C or D, you should worry about buying from them. 2. Look at answer 0. 3. Deductible is maximum per policy period (max. one per year) in all of them, Protection America, Visit USA, World Med. 4. No. No company will cover them. That will be considered as pre-existing conditions. 5. Protection America - First Health PPO /international-medical-ppo-network/ WorldMed - MultiPlan PPO /travel-and-student-insurance-ppo-network/ and Visit USA - MultiPlan PPO /travel-and-student-insurance-ppo-network/ Both are good networks. Generally there are more providers in First Health than in MultiPlan. That was a lot of good information..Thanks One other question I had was - since I need toget 6 months coverage for my mom and 2 months for my dad, should I fill in two applications separately? Yes, you should apply separately for each person. Even if they were coming for same duration, we always recommend everyone to do separate application for each person (except for minor kids). Read more about it in the FAQ at /guide/ Thank You first for helping us with medical insurance problem. My Dad is prone with diabetics. Can you please suggest any good medical insurance company that supports this pre-exsisting condition. :confused: I live in Texas. Your inputs will be so helpful. Thanks Again Laks Unfortunately, there is no insurance plan from any company any where that covers pre-existing conditions to visitors to USA.

Unfortunately, there is no insurance plan from any company anywhere that will cover your pregnancy/delivery related expenses if you are already pregnant.

1. Deductible per incident means one deductible per sickness or per injury. Let's say you have fever this month. You go to doctor 2 times, go to pharmacy and get one lab test done. All of that is collectively considered as the expenses for 1 sickness. Therefore, you have to pay the deductible once for that sickness. Let's say you break your leg next month. That is another sickness/injury and another deductible applies. That means, one more deductible even if you visit doctor 10 times, prescription drugs 3 times or whatever other medical benefits mentioned in the brochure. 2. Both Inbound USA and Visitors Care are two similar plans from different companies and we offer both of them. By looking at the brochures, you already know the difference between those two. You can purchase according whichever one you are more comfortable with and the one that meets your needs better. 3. You can upgrade the plan from lower coverage to higher coverage later. Most people would like to upgrade the coverage when the get sick/injured and figure out that the plan that they have purchased is not enough and would like to upgrade to better plan. You have to cancel what you have and buy new insurance. And when you buy insurance, whatever problem that you are already having will be considered as pre-existing conditions and not covered at all in the new plan. That means, no coverage in new plan and you lost whatever little coverage you had in the earlier plan. I hope this answers your questions. If you have any other questions, please feel free to post them here or contact us at any time. Is Visitor CAre renewable, if so whats the requirements for renewal, that is, is 3 months initial membership or 1 month. Also does the deductable accumulate, or is it refreshed with renewal 1. Yes, visitors care is renewal. You have to buy initially for minimum 1 month. After that, you can renew for as little as 5 days or any longer duration you desire. Insurance company $5 renewal fee every time in addition to the premium. 2. Deductible in Visitors Care is once per the policy period. Policy period is for however long you buy the insurance and pay for it at once. At renewal, the deductible starts over again as the new policy period starts again. Also, some of the benefits such as $250/policy period for prescription drugs also start over again.

Unfortunately, there is no insurance plan that will cover your pregnancy if you are already pregnant.

As you can see on our web site, we sell many different products from different companies. Essentially, all of them fall into 2 categories. Fixed: Limited, cheaper./visitors-insurance-fixed-coverage-plans/ The best one in that category for age 70+ is Visitors Care, available at /visitors-care/visitor-medical-insurance/ Comprehensive: Better, more expensive. /visitors-insurance-comprehensive-coverage-plans/ In this category, there are several good products available, all of them listed on https://www.insubuy.com Just enter the search criteria and you will see many similar products from different companies with few differences. You can compare them side by side to see which one would best meet your needs. If there is any specific feature that is more important to you than others, please let us know and we will guide you accordingly. If you need any further assistance, please feel free to post them here or call us at any time.