Ask Our Specialists

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/

Please look at AU pair insurance requirements at /au-pair-health-insurance/ Out of many insurance plans that we have, only plan that meets those requirements is Visit USA-HealthCare, available at /j1-visa-health-insurance/ This insurance provides coverage only within USA (plus incidental trips to Canada and Mexico for less than 14 days). This insurance can be purchased for maximum 1 year. If you would like to purchase the insurance for Europe trip, please consider purchasing Protection America at / This insurance is valid for US as well, but it does not strictly meet all requirements of AU pair, particularly $50,000/sickness or accident. It has overall life time maximum of $50,000, $100,000, $500,000 or $1,000,000. You could probably purchase higher limits such as $500,000 or $1,000,000 instead of $50,000/incident. This insurance can be purchased for maximum 3 years. You can even pay in installments such as monthly, quarterly etc. ($5 installment fee applies). For all of the plans you can do instant quotes and make instant purchase using credit card. You require her name, date of birth and passport number.

Please check Study USA at /international-student-health-insurance/ It meets all the requirements of USF. I'd like you to complete the form requested by the USF and have it faxed to the student health insurance office. Please let me know when to start my monthly installments. I'd like to buy your policy for myself and my wife starting 01/August. We can fill that form only once you purchase the insurance. If you want to pay month by month, then we will be able to fill the form indicating that you have insurance for 1 month. Once you purchase the insurance, please let us know so that we can fill the form for you. I'll purchase your Student B policy for myself on August 1st. However, I was thinking of including my wife (coming to USA on F-2 visa) on that policy but I found out that this costs more than if she applies independently for a visitor policy. Could you explain to me the benefits of including her on my policy? Study USA for your wife provides much better coverage compared to visitor policy. Study USA covers matenity if she gets pregnant after the effective date of the policy while visitor policy never covers. Also, other medical coverages are better such as $200,000/incident, only $10 copay for Dr. visit etc. Therefore, it is better to buy Study USA as well for your wife. But if you want more affordable alternative, certainly go with visitor policy.