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Yes, Protection America is valid anywhere outside home country. Therefore, if the person is from India, he/she would get covered anywhere outside India.

In this situation, unfortunately, there is no insurance plan from any company that will cover your husband's pre-existing conditions. All the plans will exclude that. If you look into any domestic plans such as Blue Cross, Assurant(Fortis), Golden Rule, Unicare etc, they will NOT insure him at all as he is not US resident. Most companies require persons to be US residents, some require green card, need person to be staying in US for at least 1 year. They will still not cover pre-existing conditions. Some will decline insurance all together. But with us, we specialize in insurance for people who are non US citizens, just like your husband. It will cover any new medical conditions that may occur after insurance is effective. I would suggest one of 2 plans: Protection America: /patriot-america-lite/visitor-insurance/ Can be purchased for $50,000, $100,000, $500,000 and $1,000,000 policy maximums. If he gets sick, first you have to pay annual decutible (such as $100, $250, $500,...) After that insurance company pay 80% for first $5,000 and after that, it pays 100% up to policy maximum. Also, or you can consider buying Global Medical Insurance: /global-medical-insurance/international-health-insurance/ $5,000,000 If he gets sick, first you have to pay annual decutible(such as $250, $500,...) After that insurance company pays 100% as long as visiting Dr. in the network. Othewise, 80/20 for first $5,000 and after that 100%. Both the plans are PPO and participate in First Health PPO network which is a very wide network all across US. /international-medical-ppo-network/ You can review the details of the plan online and make instant purchase online.

I believe that you are looking for annually renewable long term major medical plan. In that case, please look at /expatriate-health-insurance/ We have 5 different insurance plans available based on that webpage depending upon whether you want worldwide coverage, coverage exluding US etc. Once you enter your details, you will see prices for different plans and you can compare them side by side and make instant purchase of the plan you like.

There is no such insurance, unfortunately. I would recommend that your wife stay in India until the delivery of baby, unless you have money to pay for it yourself (May be $15,000 to $20,000). Once her current pregnancy is over and baby is delivered, you can consider buying the Patriot America Plus plan

Thank you for your interest in purchasing medical insurance from us. We have several different comprehensive coverage plans from different companies. Currently, Protection America from IMG is the best plan available that has big network of doctors and hospitals that accept the insurance and bill directly. It is renewable in case you extend your trip. Please look at Protection America at /visitor-insurance/ It is 3rd plan from top. If you take $50,000 coverage with $250 deductible, it will cost you $135/month. If you get sick or injured, you have to first pay $250 one time for entire policy period, after that insurance company pays 80% for first $5,000 expense, you pay 20% for first $5,000 expense (out of network, is 70% - 30%). After $5,000, insurance company pays 100% up to $50,000. If you want $100,000 coverage, it is $165/month. $500,000 is $199/month. $1,000,000 is $229/month You can also choose $100 deductible with 10% more premium, or $500 deductible with 10% less premium. You can make instant purchase right there.

There is no insurance plan for visitors to USA to cover pre-existing conditions. For group insurance, you have to check with your employer what would be covered and what wouldn't be. Thanks for the reply. Does your reply applies to Aliens on L1 or work permit visa. Anyone who wants to buy short term insurance, it will not cover pre-existing conditions. Person can be a visitor, L1 holder, greencard holder, or US citizen. It does not matter. No short term plans covers pre-existing conditions.