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

Q:Atlas America - PPO network problem Hello, I am interested in buying the comprehensive health insurance plan with Atlas America for my parents who will be visiting the US. I am located in Cupertino, California. I looked up the provider website for First Health/Coventry. When I called a provider that I was interested in (Palo Alto Medical Foundation), I was told that they accept First Health Insurance only when it is provided by an employer and they do not accept it for visitors/travelers. I would like to know how I can locate the list of providers who will accept the First Health/Coventry PPO for visitors. Thanks,

A:
Thank you for your interest in purchasing Atlas America for your parents. I am sorry to hear that the provider you contacted didn’t provide you with the correct answer. What they are doing is a breach of contract they have signed with First Health/Coventry and they are absolutely not supposed to do anything like that. Could you kindly give us the name of the provider so that we can work with them to educate them and solve the matter? Thanks for your response! I contacted the provider again at a different telephone #, and they say they don't have such a restriction, but they advise that I call First Health/Coventry to check if they are in-network with them. What is the best way to contact the insurance provider? I called them at a number listed on their website and could never get through to a representative. You are welcome. You can look at the list of providers online at /travel-and-student-insurance-ppo-network/ That is the most up to date list. You can also call us at (866) INSU-BUY and we would be glad to help you locate the providers in your area. We are open till 9 PM Central Time.
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Q:Renewing visitors insurance Hi, My in laws are visiting me in the US/ New York & I would like to go for the Atlas America's comprehensive insurance. Their travel date is 6/26. I understand that I can purchase the insurance for them before they land here in New York. My question say I purchase the insurance for 30 days before they come to NY, can I renew the insurance policy with Atlas America once my in-laws are here in New York, ie after 1 month. Thanks,

A:
Yes, you can still renew in that case. There is no problem. You can purchase it online at /atlas-america-insurance/ Please let us know if you have any other questions.
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Q:Visiting US and playing hockey Hi, my son is going to Florida to play junior ice hockey from the 1st August 2014 to 1st April 2015. He is English and he needs a good health insurance to cover him while he's in America, and it also has to be suitable for ice hockey because it's a rough sport and he's bound to need medical treatment for injuries sustained while he's playing. He had asthma when he was little but he hasn't had it for at least 3 years, and he's 18 years old. Can you recommend an insurance to meet his requirements because I don't really know what I'm doing and I can't find an insurance that covers ice hockey. Kind Regards

A:
Is he playing on a professional level? Any organized tournament? Does he get paid anything such as reward or price? This is not a professional team. It is a Junior team sanctioned by the USA Hockey national governing body. This is a ‘pay-to-play’ league where he is obviously paying to be part of this team. We play in the USPHL Empire league and play league games and showcase/league events for our game schedule. There are no payments, prizes or otherwise for players. They can refer to these websites for more info. Let me know if you need anything further. Unfortunately, we don’t have any plan that would cover that.
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Q:Kailash Mansarovar Yatra insurance I am a citizen of India and undertaking the Kailash Mansarovar Yatra in 2014. i would be travelling to Nepal and China for this overseas trip. I have certain queries which are listed below 1) can an Indian citizen based in India take this travel insurance 2) in case of emergency, how can one use this insurance- especially emergency helicopter evacuation as there are hardly any means of communication in the Himalayan areas. 3) is this insurance enforceable in India- as this is a USA based company having no direct presence is India

A:
1. Yes, you can purchase Atlas International insurance at /atlas-international-insurance/ 2. In case of an emergency help, you would call the phone number listed in your policy and on your insurance card. 3. We are an American company and all the companies we sell insurance from are also US based. We have no direct presence in India. Please let us know if you have any other questions. Thanks for the prompt response I would like to know whether the absence of your presence in India would any way hamper the execution of the policy in case of emergency. I mean is it as good as taking an overseas travel policy from any India based insurance company. We do worldwide business and there is absolutely not necessary to have a physical presence in a specific country. And that does not affect the service in any way. For example, please look at how it was handled in case of an emergency in Singapore where we don’t have any physical presence either /atlas-travel-insurance/. In fact, US based insurance works better than India based insurance. US based companies have been in insurance business a lot longer and have vast resources. To the best of my knowledge, Indian insurance companies do not even cover at the height where Kailash/Mansarovar are located. One more thing. Every summer, we have a lot of customers who visit Kailash/Mansarovar who purchase our insurance. That is why we have even made a specific web page at /kailash-mansarovar-yatra-travel-insurance/ just to provide proper information to our customers. Please let me if you have any other questions. Dear Sir: Many thanks for your valuable inputs. You have rightly pointed out that there are hardly any insurers for this Kailash Mansarovar Yatra. Just last couple queries before I buy your travel Insurance 1) this Yatra begins from Delhi, than it goes to Uttarakhand then to Nepal and then to China ( Kailash Mansarovar) and then back the same route. So will this overseas insurance will cover only the duration in Nepal and China ? or the entire itinerary as I am an Indian who will travel to Delhi from Pune( Maharashtra) and commence the journey.? 2) Will the policy document once taken will be couriered to India? 3) Being a US based company in no ways hinders giving insurance to citizens of other countries who are not based in USA and availing your insurance for overseas travel to destinations not in USA ? 1. Insurance will cover outside India. That means, it will cover in Nepal and China but not within India. 2. You will receive everything by email and you can print it out. It is ePolicy. There is no need to do courier. 3. Anyone who is traveling outside their home country can purchase the international travel medical insurance through us. Please let me know if you have any other questions. Dear Sir: Thanks for the information> I have taken overseas travel insurance from INSUBUY. Would recommend it to all friend who are going for Kailash Mansarovar yatra You are welcome. Thank you for your business and referral to others. If there is anything else we can help you with, please feel free to contact us at any time.
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Q:Insurance policy clarification - Golf coverage I just would like to check if any injury incurred while playing golf is covered by the Atlas America plan. Your prompt response would be much appreciated. Kind Regards,

A:
As long as he is not playing on a professional level, it would be covered in Atlas America plan. You can purchase it online at /atlasamerica-insurance/ Please let us know if you have any other questions.
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Q:Kailash Mansarovar travel insurance I need two travel insurance policies for myself 36/F and 42/ M. We are going for kailas Manasarovar yatra thats is 4500 mts. as a spiritual piligmage. so for visa purpose and in case of emergency for helicopter evcauation we need a policy. pls mail the quotation. We are Indian Citizens and Manasarovar is in Nepal , Tibet. pl email.

A:
There is a plan called Atlas International that will cover you. Below you will find the link for the brochure which includes the details of the plan and also the rates. /atlas-international-insurance/ If you have any additional questions please feel free to contact us. Hi I read your brochure. But I could not select one plan. Pls mail me the plan name. Its For Kailas - Manasarovar Yatra , In Himalaya , Nepal, Tibet in China. Its for Aug 8 to Aug 25 2014. Its for Two People 36 /F and 42 / M medically fit. wanna Cover any emergency evacuation in case of Mountain sickness, Helicopter Evacuation in case of Land slide or emergency. It should help to take Visa from Tibet China. Pls mail me the Plan Name and quotation and link. We are Indian nationals, residing in india - planning to go for a spiritual journey to Manasarovar lake and Kailas parikrama ( Walk around The Kailas Mountain 52 Km over three days) Pls Guide. Regards Plan Name: Atlas International Complete Information: /atlas-international-insurance/ You can purchase it online at /atlas-international/ Please let us know if you have any other questions.
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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?

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