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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Pre-Existing Medical Conditions (for a 66 yo). Can somebody please advise if the following conditions are covered: Atrial Flutter (treated successfully 3 years ago by Ablation; no medication required) Mytonic Dystrophy Type I (diagnosed 6 years ago, considered to be mild, no cardiac-related issues)Skin Cancer (Melanoma) skin lesion successfully exised, no follow up treatment required. We are NZ citizens wishing to holiday in Hawaii and can not get coverage in our own country (due to age, and destination)

A:
Thank you for contacting Insubuy. Visitors Insurance plans are not designed to cover pre-existing conditions. They are primarily designed to cover new illness, injuries or accidents that manifest or occur after the effective date of the policy. Most plans will have a look-back period of either 2 or 3 years. So if there is any condition that the insured receives medical advise, diagnosis, care, treatment, or the condition manifested itself during that time period it is considered a pre-existing condition and not covered under Visitors Insurance. There are many plans that will include coverage for the acute onset of pre-existing conditions. An acute onset of pre-existing conditions is a sudden and unexpected recurrence of a pre-existing condition that is rapidly progressive, occurs spontaneously, and without advance warning and requires urgent care. In regards to the medical situations you have listed, as long as the situation is not a listed exclusion in the policy then it can be covered unless it is pre-existing as defined above. If it is pre-existing then the only type of coverage that is available for a visitor to the US is the acute onset of pre-existing condition. When purchasing you are not asked to provide any health or medical information. The claims department will make their final decision based on the medical records that are generated at the time of the incident and the attending physicians statement or doctors notes. If you have any additional questions, please feel free to contact our office at +1 (866) INSUBUY 467-8289.
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Q:My parents are visiting US in two weeks and will be staying here for a month.I'd like to purchase the "International Major Medical" plans for both. The coverage of this insurance said "COVID - Excluded". Does it mean this insurance will not cover any "treatment" relevant to the COVID injection? What does "COVID - Excluded" mean? Excluding what?

A:
When a plan states that excludes coverage for COVID, it is stating that anything related to COVID is not covered in the policy. Any expenses related to COVID-19 infection would be paid out of pocket. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/visitors-insurance-usa/no-coverage-for-covid-in-international-major-medical-insurance-38369/

Q:Hi Chaiyada,We have previously used Axa Thailand for Covid 19 Insurance required for a Thailand Pass. Both my Wife and I are aged 75 and are therefore ineligible for Axa Cover. We are planning a Tourist Visa 60 day trip. Can you please email me a specimen one page Insurance Certificate for Atlas International acceptable for the Visa and Thailand Pass. Many thanks.

A:
You may find the sample documents for the Atlas International plan here. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/visitors-insurance-usa/atlas-international-policy-documents-for-thailand-46999/

Q:Hi,My in laws are traveling to USA in June for 2 months. Mu father in law went through heart bypass surgery in April and my mother in law had some heart surgery done in her child hood. They do not have any health issue as of now and fit to travel. If any issue occur while they travel to USA, would their past heart surgeries make these issues as Acute Onset or Pre existing? I need to get some idea on this even though I understand that you do not decide yes or no and it's insurance company which decides.

A:
Thank you for contacting Insubuy for your insurance needs. You may view and quote the appropriate plans within the Visitors to the USA section of our website if you are traveling to the United States on a visitor visa. The plans are designed to offer coverage for new illnesses and injuries contracted after the effective date of the plan and will exclude the coverage for pre-existing conditions, preventative and routine care. Some plans will have what is called and acute onset of pre-existing conditions benefit that you may find beneficial. Please read over the certificate wording and plan benefits of the plans to verify legibility and benefits. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/visitors-medical-insurance/acute-onset-coverage-in-visitor-insurance-for-heart-related-conditions-54755/

Q:I was asked by my doctor back in my home country to do a Blood test periodically - can i get that covered under this policy

A:
Unfortunately, the insurance plans available exclude the coverage for pre-existing conditions, preventative and routine care. Should you need to have the regular blood test done while traveling outside your home country, you will have to pay out pocket for those expenses. If you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/visitors-insurance-usa/travel-insurance-coverage-for-routine-blood-work-33868/

Q:list of doctors in network within zipcode 30004 of 10 miles radius

A:
You may view and search the PPO network of the plan you are viewing by clicking the hyperlink listed below the plan information. Should you be experiencing any difficulty regarding this, you may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/visitors-medical-insurance/ppo-network-search-for-visitor-insurances-80435/

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.

Buy U.S. based visitors insurance and enjoy your trip.

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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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New immigrant to USA?

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.

Buy a trip cancellation insurance package plan and be worry-free.

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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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

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

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

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