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Please look at international student insurance plans at /international-student-medical-insurance/ We have several plans that are cheaper than what you are currently paying. You enter your details such as age, duration etc and you will see prices from various companies instantly, you can compare them side by side and make an instant purchase of the plan you like. If you have any questions after reading the material online, please feel free to call us at any time.

Official answer from SRI The client below only reference the first part of the Pre-existing condition definition. The second part reads as follows. 1. Any Injury or Illness which meets the following criteria: (a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; (b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; The key word in this statement is manifestation which means An indication of the existence, reality, or presence of something. If the tumor is present, with or without the client's knowledge, it would not be covered. For example, two weeks into the policy a tumor shows up. That tumor was there prior to the effective date. One year into the policy is a different situation. A doctor would make the determination at that point how long that tumor has been there, based on the stage of growth. That would allow us to determine whether it is covered or not. That means, pre-existing conditions are not covered in any of the plans, no matter how it is worded. I see. Thanks a lot for researching into this. Based on this, it appears that between the IMG passport protection plus and Liaison, the IMG plan is better for my needs. I am still unsure about one thing: Most of the diseases that I can think of, that could possibly run a huge bill, don’t happen overnight. Tumor was one example I used in my previous emails. I chose that example because it is one of those things that could exist in your body for months without you even knowing about it. Other examples would be clogged arteries (=> heart attack), stroke, diabetes, kidney stones, appendicitis…. The list could go on and on… And looks like none of these things would be covered. So, based on your experience, can you give me a few examples of diseases that these companies have actually paid claims for your clients in the past? I understand that accidental injuries would most likely be covered. But what are some of the non-accidental medical conditions that have a good chance of being covered? I have purchased Liaison from you before on two occasions, each time for 6 months. My mother has always been in good health, and fortunately, we have never had to make a claim. But I purchased insurance precisely to protect myself from big ticket medical conditions like the ones I mentioned above. So now I am wondering what I am getting in return for these premiums, if so many big ticket conditions don’t have much chance of being covered. (I’d like to clarify that unlike some of the other posts in your forum, I am not looking for coverage for a medical condition whose existence I know about. I am looking for insurance to protect myself from the unknown.) Your most of the examples are quite right. Most of those things don't happen overnight. Appendicitis, as I have been told by claims dept, can happen at any time and may be covered. Heart attack may happen from clogged arteries, high BP, but it may also happen from shock etc. Therefore, it is difficult to predict in advance what exactly may happen to a particular person. It all depends upon attending physician reports, treatment taken and medical records created at the time of diagnosis and treatment. Insurance company's claim dept. decide based on that. Claims are regularly handled by insurance companies and/or their administrators and due to privacy reasons, we are not allowed to look into it, unless some customer complains and provides us explicit authorization to allow us to discuss this with insurance company (Because we are broker, work for you and not for them). Therefore, most people that contact us are the ones whose claims are denied, and when we look at the medical records they provide, doctors' notes clearly indicate what is going on, how long they think it may be going on and so on. And almost all of them happen to indicate pre-existing conditions in such cases but in other cases, we try our best so that customer gets paid. Whenever people get paid directly, they simply don't bother to report us. But still I know many people who been covered wide variety of problems: some examples are appendicitis, pneumonia, high fever that caused person to get hospitalized and eventually died. Minor illnesses and injuries/accidents, of course. In addition, people also may get covered for heart attack, strokes, stones. But, as I described above, it all depends upon exact circumstances. Examples I got from IMG: >>> The coverage is meant for acute type illnesses or disease and accidents, not for chronic illness or disease. The difference between acute and chronic is the answer to me: acute â€" disease having a rapid onset and of relatively short duration, chronic â€" a disease having a slow onset and lasting for a long period of time. Some of the things we have covered would include but not be limited to the following: accidents (auto, slips and falls, bicycle, pedestrian hit by car, burns, cuts requiring stitches), food poisoning, regular poisoning, Hepatitis A (food born illness), concussion, contusion or hematoma, viral and bacterial diseases contracted while in the states and which are not related to any pre-x conditions (i.e. meningitis, west nile, pneumonia, e-coli), fractures, dislocation of bone or joint, appendicitis, dog bite, insect bites, snake bite, injury due to being a victim of a crime (mugging, car jacking, assault), acute infections (upper respiratory, urinary tract, ear infection, yeast), travelers diarrhea, sprains, strains, laryngitis, pharangitis, conjunctivitis, rhinitis, fever, bronchitis, croup, contact dermatitis, poison ivy dermatitis, cold, flu, mumps, measles, chicken pox. I asked couple of other companies to give examples of disease/claims paid but I am yet to receive it.

Visitor medical insurance plans are considered secondary insurance plans. Therefore, in such cases, you will have to first submit the claim with the car insurance (with your company if it is your fault, or with other party's company if it is their fault.) Protection America will be secondary to any other insurance. thank you for your response. I’d like to have some additional info about the following items: a) difference between Patriot America and Protection America regarding First Health PPO network. I know that Protection America has a Co-Insurance of 80% up to $5000 for treatments inside PPO Network and 70% outside PPO Network. Patriot America has instead a fixed Co-Insurance of 80%, but I don’t know if Patriot America participates in First Health PPO Network. If yes, does IMG pay directly to the provider for covered expenses in the policy in the same way as Protection America? b) Patriot T.R.I.P. I’d like to know: a. If non US-Citizens travelling inside the USA are eligible; b. If Patriot T.R.I.P can be co-existence with Patriot America or Protection America; c. “Emergency Medical/Dental Expenses� means “ALL possible emergency medical expenses INCLUDED dental expenses�? If yes, the maximum policy ($10,000) can be claimed as complementary coverage for the remaining 20% that Patriot America or Protection America doesn’t cover up to $5000? d. My trip inside the USA will include California, Nevada, Arizona and Utah. Are there some differences about policy exclusions for each state? a) Patriot America does NOT participate in First Health PPO Network. read /international-medical-ppo-network/ It is better to buy Protection America. b). a. Yes c. Yes. Once you buy either Protection America or Patriot America, when you check out, you will be given option to purchase trip cancellation. As medical etc benefits are already included in Protection/Patriot, it is actually called Patriot TRIP Lite. If you buy Protection/Patriot with Patriot TRIP Lite, medical/dental etc. will be paid according to Protection/Patriot. d. There is no difference. Same coverage anywhere outside home country

Only plan she would be eligible for and that is available in NY is Liaison International. Please look at /patriot-america-plus/visitor-insurance/ for complete details. You can get instant quotes & make instant purchase right there. We do have other short term medical insurance plans for US citizens in US but they are not available in state of NY as NY state does not allow short term medical insurance plans. You can look at details at /short-term-health-insurance/

A. Protection America is the best choice available in market today. Anything rlated to diabetes will be excluded as pre-existing conditions. 1. Enough is a relative term. And it is difficult to specify how much will be enough. For many things, it may be enough. But in some serious problems, it may go beyond that. $100,000 is much safer limit. 2. It is per person. 3. Insurance can start as early as next day or any future date you specify. If you buy on Monday(03/21), you can specify that you want to start from 03/23. As US has around 9.5 (or 10.5 or 11.5...) hours difference between US time and India time, and policy starts at 12.01 AM Eastern time and flight leave from India usually around 2-3 AM, I suggest you start the coverage from 03/22 to cover during travel time as well. For that, you have to purchase latest by 03/21. 4. No. Deductible is only once a year no matter how many times you renew within 1 year. 5. Yes, deductible is per person. 6. If you cancel it before the effective date, you get full refund. In other words, if insurance starts on March 25, you have to cancel it by latest March 24 to get full refund. If you cancel it after the effective date, Protection America gives you refund for fully unused months minus $25 cancellation fee, as long as there are no claims.

Yes, you can initially purchase for 1 month and then renew for next 5 days. There is no problem in doing that way. Many people do it. Visitors Care is a very popular insurance plan. It is pretty good. There is no problem in buying or renewing insurance for your mother, before or after she arrives in USA. The fact that you are resident of California and she is visiting you does not affect her eligibility to purchase or renew the insurance by any means. She is just tourist to USA. In other words, there is absolutely no problem in buying Visitors Care for your mother and renewing it once she arrives. You can renew Visitors Care online at /extension/visitors-care-insurance/