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Ask Our Specialists

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

Q:My parents are traveling from India to the USA. Please let us know about the hospitals and doctors covered under Maryland State under the Atlas America policy. If we have to take them to the hospital, who pays for the bills? Do we have to pay or the hospital will take care by going through the insurance directly?

A:
With the proposed insureds arriving in the state of Maryland the Atlas America plan will have to be purchased before your aunt arrives into the United States. Both plans participate in the first health PPO network so there is an extensive amount of providers in the area and all across the United States. Typically, in network providers will bill to the insurance directly. So in these cases you will only pay your deductible and the remaining balance would be billed by the provider.
{{currentOrigin}}/answers/international-travel-insurance/hospitals-and-providers-for-atlas-america-plan-in-maryland-state-84365/

Q:I am bringing my parents who are currently living in Colombia to visit me to Washington State, USA and Vancouver, BC Canada for three or four weeks in Sept 2018. I'd like to know what would be the best travel/medical insurance to cover them in both countries. My father's age is 76 -Canadian citizen living in Colombia, and my mother's age is 68 -only a Colombian citizen. The travel dates will most likely be Sept 1st to Sept 25th.

A:
The plans are designed to cove the new accidents and new illness that happen after the effective date of the policy. The plans will not cover pre-existing conditions, routine doctor's visit, immunizations, nor any medications as it relates to medications. Some plans will cover for what is called an Acute Onset of a pre-existing condition. For those under the age of 69 it will be covered up to the chosen policy maximum. For those 70 and above there is one plan that will cover an acute onset of a pre-existing condition up to $25,000. For your uncle there is a plan called Safe Travels USA Comprehensive that would be recommended. For your mother in law there is a plan called Atlas America that would be recommended.
{{currentOrigin}}/answers/international-travel-medical-insurance/travel-medical-insurance-coverage-for-two-countries-10627/

Q:I am looking for an insurance for my uncle & aunt travelling to USA on 13th March 18 for 6 months. They are patient of diabetes and high BP/hypertension. Can you please help me find the correct health coverage for them?

A:
The plans are designed to cove the new accidents and new illness that happen after the effective date of the policy. The plans will not cover pre-existing conditions, routine doctor's visit, immunizations, nor any medications as it relates to medications. Some plans will cover for what is called an Acute Onset of a pre-existing condition. For those under the age of 69 it will be covered up to the chosen policy maximum. For those 70 and above there is one plan that will cover an acute onset of a pre-existing condition up to $25,000. Acute Onset FAQ For your uncle there is a plan called Safe Travels USA Comprehensive that would be recommended. For your mother in law there is a plan called Atlas America that would be recommended. Atlas America
{{currentOrigin}}/answers/international-travel-health-insurance/medical-insurance-pre-existing-conditions-44874/

Q:My husband and I are British citizens and live in the UK. We retired and plan to spend next few year travel around, are we eligible to apply for worldwide travel medical insurance?

A:
We do offer worldwide travel insurance. I have attached two links below where you can review the plans that would be available to you. The first link below is for travel plans for visitors to the U.S., and the second link is for worldwide travel excluding the U.S. Since I am not sure of where you will be traveling, I have provided both types of plans. They can be purchased for a year at a time, or some of the plans are extendable meaning you can purchase them for a certain amount of time for example like a month and then renew them as needed. After looking over the plan options, if you have any questions, please let us know and we would be glad to assist.Visiting USA Traveling Outside USA
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Q:I am J1 postdoc visitor at KSU, Kansas. I will have a university insurance which covers Medical benefits. But not repatriation and medical evacuation. So could you provide my family (age 34, 29, 4, 2) with repatriation of remains ($25000), medical evaluation ($50,000), and deductible per accident ($500)? Let me know your quote for 12 months. Our home country is Ethiopia.

A:
We have the Atlas MedEvac plan that can be purchased for standalone coverage for medical evacuation and repatriation. If you need additional assistance please feel free to contact our office. Please see the link below for the Atlas MedEvac plan. Atlas MedEvac
{{currentOrigin}}/answers/j-visa-insurance/medical-evaluation-and-repatriation-quote-for-12-months-22660/

Q:We are working in the USA on an E2 visa, but our residence is in Spain. We would like to know if your insurance plans could cover us for a one day trip to NY State to ski. We currently have a traveler's insurance plan, but it does not cover us for skiing.

A:
The plans are a minimum 5 day purchase. The Patriot America Plus plan would be the most suitable coverage available for you as it will cover you for recreational skiing within marked zones.
{{currentOrigin}}/answers/international-travel-health-insurance/insurance-covering-recreational-skiing-for-e2-visa-holders-49674/

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.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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

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Traveling frequently throughout the year?

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

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Most schools require international students to purchase health insurance.

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