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

Q:Travel Insurance Recommendation - For UK I found your contact information on the INSUBUY site while looking for a suitable visitors insurance policy for my parents. I found your answers very informative so wanted to reach out to you about a suitable insurance policy for visiting UK. Here are the particulars: Country of residence = India Age = 82 and 72 Single Trip Duration from July 24 - Sept 25 (2 months) I was going through the INSUBUY forum and found a lot of complains about ICICI LOMBARD and ALLIANCE BAJAJ. I was looking for a UK based /International company that offers visitors insurance for senior travelers. I have been researching on the internet but looks like all the UK insurance companies need UK residency. Also finding insurance for 80+ is very limited. I would really appreciate if you could help me find a suitable company /plan either from India, UK, or International. Thanks in advance for your time. Best regards,

A:
Thank you for your interest in purchasing travel insurance for your parents. I have sent you two separate quotes by two separate emails, one for your father and another for your mother. If you have any questions, please feel free to contact us at any time. Thank you for sending the quotes. I had a question. The WorldMed quote that you sent (for my father) has a premium of $ 1000 + This is not affordable for us. However, the defined benefits plan for my mother (Visitor's Care) does seem to have a plan for seniors 80+ but caps the benefits at $ 10,000. This may be a more reasonable option for me though the benefits are a lot less. Have I understood this correctly? Please advise. Yes, you have.
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Q:Unpaid medical bills - Reentering the US Hello Sir, My mother was visiting US in 2007. She fell sick and had to be taken to the ER. I received a huge medical bill (8 K). My mother went back to India. I did not pay the bill. Eventually, I moved to a different city for another job. I have checked my recent credit history and these medical bills have not gone against my history. My mother is planning to visit me next month. I was wondering if there will be issues at the airport for her at the port of entry. Please advice. Thanks

A:
It is really hard to say whether she will have any issues at the port of entry or not as there are many factors. I suggest that before she comes to the U.S. again, you purchase good visitors insurance for her, available for instant purchase at https://www.insubuy.com Hello Sir, Thank you so much for the response. I will definitely buy good health insurance before she comes it will be most likely through you. Even last time when she was here I had bought health insurance through IMG but every single claim was denied. I just don't want my mother in trouble at the port of entry. Even if there is a slightest chance of her getting into trouble, I would have her stay in India. Have you heard of any such incidents where visitors sent back from the airport because of unpaid medical bills in the US during their previous visit? My mom did not have SSN, I tried to check her credit history but without SSN but credit bureau's cannot provide the credit report. From what I have read, not paying medical bills is not a crime and immigration officials cannot stop any one entering the country because of unpaid medical bills. Please advice. Thanks We are here to help in any possible way we can. But this matter is really beyond our scope. There are many private and government entities are involved in this matter and there is no way to know how one has communicated with other. All I can say is that you would have to take some chance. What is the probability of the trouble, I really don’t know. In case your claim is denied in future, at least please contact us so that we can independently look into it to see whether there is anything that can be done like appeal or second opinion or similar. I have decided to buy tickets for my mother. I will be buying her health insurance from you before she arrives here. I called the two places where she had received her treatment in 2007. One of the places told me that she does not owe any money but other place told me that they have sent it to collection agency. I called the collection agency and they could not release any information to me without my mothers verbal approval. I am willing to pay the money but i can't. Not sure what I have to do next. Is it ok, to just go ahead books tickets and buy insurance for her? I want you opinions for the last time. You can certainly purchase the insurance from us whenever you like. I will definitely do that. But you did not answer my question. Is it safe to bring my mom over to US without any issues at the airport? As I said before, there is no way for us to know for sure. As I said before, there is no way for us to know for sure. was she able to enter the US with no issues? Hello Sir, My mother was visiting US in 2007. She fell sick and had to be taken to the ER. I received a huge medical bill (8 K). My mother went back to India. I did not pay the bill. Eventually, I moved to a different city for another job. I have checked my recent credit history and these medical bills have not gone against my history. My mother is planning to visit me next month. I was wondering if there will be issues at the airport for her at the port of entry. Please advice. Thanks was she able to enter the US with no issues? PrinceofEgypt178: Please help me with ur experience. Was she able to enter US. ? You know how hard the situation could be. Please help !!
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Q:inquiry insurance Dear Sir/Madam, I need to buy one month insurance to cover the possible medical expenses of my first month stay in US. I hold J1 visa, and I only need to buy the insurance for the coming July. Your company was recommended by the institute which I will work for. Please advise which product will meet the requirements and please send the quotation to me. Please refer the insurance requirements in the attachment. Please reply me ASAP. Thank you!

A:
Thank you for your interest in purchasing the J1 visa health insurance. Please look at Patriot Exchange Program, available at /patriot-exchange-program-insurance/ It meets the standards requirements set by U.S. Department of State for J1 visa insurance. It also meets the requirements as set forth in your institute’s form. You will find all the details about the plans on that web page, including benefits and price. You can make an instant purchase online. If you have any additional questions, please feel free to contact us at any time.
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Q:Health insurance for new immigrants to Canada I am looking at a family plan that will cover us for 4 months from 14th July 2012.We are new immigrants to Canada.Our Ontario Health Insurance Plan will kick in 3 months after 14th July.Depending on the premium,I might take it for 1 year. The insurance must cover both outpatient + hospitalization,prescription drugs,dental and eye care.It must also cover pre-existing conditions. It must be valid in Canada. My age,male 52 years.My wife is 48 years.Our daughter is 11 years Thanking you

A:
There is no such plan that would cover pre-existing conditions and dental/vision for new immigrants. For that, you will have to wait until your provincial healthcare kicks in. You can purchase a plan that would cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Please let me know if you would like to buy such plan. Please give me a quote for a plan(for 4 months) that covers new medical conditions. Thanking you Also, I need to know what policy maximum you would like such as $50K, $100K, $500K, $1 Million or more. What your preferred deductible would be: $0, $100, $250, $500, $1,000, $2,500 etc. 1.The ages are, myself male 52 years,wife 48 years,daughter 11 years. 2.Maximum 500k 3.Deductible(per annum) $ 100 Thanking you I sent you the quotes by separate email.
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Q:Visitor insurance referred by a friend I am looking for Visitor insurance for my parents for 65 and 68 age yrs. please send us the email with plan details Thanks

A:
Thank you for your interest in purchasing visitors insurance for your parents. I suggest that you visit https://www.insubuy.com and enter your criteria. You will see all the details about all the plans we offer. You can compare them side by side and make an instant purchase online. If you have any specific questions, please feel free to contact us at any time. Thanks for the quick response. I have already reviewed the plans on your website. I am CA resident.I am interested in Atlas america plan. But the CA license disclaimer and Emergency benefit is shocking to me? Please let me know it would be ok to with this plan? Thanks CA matter is absolutely fine. Your parents are NOT residents of California but tourists to USA. Please read /travel-and-student-insurance-california-notice/ for further information. When you say “emergency benefit�, could you please clarify what exactly you mean? If you are still not comfortable with Atlas America, you can consider Liaison Continent, available at at /safe-travels-usa-comprehensive-insurance/ If you have any other questions, please feel free to contact us at any time. If something wrong happen in mid night? what we will do ? we definitely go to ER Room. If my parents wil not get hospitalised then Atlas america plan will not cover ER room charges? am I right ? Is this ER condition for hospitalisation applies to Liaison continent too ? Thanks for your answers! I suggest you read /what-is-visitors-insurance/ If you have any other questions, please feel free to contact us at any time.
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Q:Visitors insurance for parents How are you? This is *** and I am sure you remember me. I saw your email address from online reviews for the parents insurance visiting from India. I am looking for one and wanted to take your personal recommendation for what should I get for the insurance. There are several options on the web-link. Please let me know if you have recommendation or suggestion for some. Thanks! Talk to you soon!

A:
I certainly remember you very well. Thank you for your interest in purchasing visitors insurance for your parents. In order for me to give you a recommendation that is most suitable for you, I need various things like their age, travel dates and other details. Therefore, it would be the best if you can call our office at (866) INSU-BUY so that we can go over all that and suggest you the most suitable plan for you.
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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?

Healthcare costs are very high in the U.S.

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

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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.

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

Purchase annual multi trip travel insurance for your travels.

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