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You can purchase /patriot-exchange-program-insurance/ It will meet the requirements including the last one.

Hello, Thank you for your interest in purchasing Schengen visa insurance. Unfortunately, Atlas International has the restriction for Australia as you mentioned due to regulatory requirements from Government of Australia, and that is beyond our control. I apologize for any inconvenience caused to you because of that. However, we have several other plans available at /schengen-visa-insurance/ that you can purchase and you would be eligible for. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time. Thank you for replying to my query re Atlas and Australian Citizens. I am even more confused now because you say they cite Regulatory Controls by the Australian Government....I am afraid I find this answer perplexing to say the least. I am an ex Insurance Sales person and have never heard of such a thing. Additionally you say there are other products on your site that would suit me. Why are they not subject to the same "Regulatory Government controls like Atlas?" Is it at all possible for me to contact the Atlas underwriters and ask them what the issue is? I am not one to be put off following an idea at the first hurdle that is placed in my path. I appreciate that you might be giving the answer you are giving me because that is what you have been told to say....fair enough. However it is not a satisfactory answer in my view. So please help me get to the bottom of this. I am definitely a potential customer. I look forward to your reply. Rockjockey:confused:

We don't have any such insurance.

Thank you for your interest in purchasing visitors insurance for your mother-in-law. 1. You can pay month to month. In that case, you would buy for a month and you can extend it online at /myaccount/ There is no auto-renew as the visitor is not going to stay here forever. 2. No. 3. A. You must extend it before it expires, according to the US Eastern Time. If you forget to extend or if you decide to wait till the last second, it will expire and you will have to repurchase. B. Most plans charge $5 extension fee. 4. You can compare them side by side online at https://www.insubuy.com Just enter the basic information and click 'Search & Compare'. You will see check boxes next to each plan and the orange color 'Compare' button. 5. Please read /international-travel-medical-insurance/ Technical matter: Thank you for reporting. I will forward it to our IT department to look at it immediately. If you have any other questions, please feel free to post them here or contact us at any time.

Cancer is explicitly excluded in Atlas America plan. Therefore, it will NOT be covered. Look at exclusion #48 on page 13 at /hccmis/atlas-america/description-visitors-insurance.pdf If I were you, if at all I could, I would immediately contact my travel agent, and send her back home on the next flight and get her treated there. Otherwise, you should be ready to pay all the costs yourself in the US which will be very high. Thanks for the quick response. I have one more question. Will this be considered trip interruption under insurance? The doctor has advised to get this treated in 2-3 weeks and is ready to give it in writing. This is not major concern but thought to seek clarification anyways. Thanks! You will not get any trip interruption benefits under insurance in this case. Trip interruption coverage is for "Destruction, after departure from Home Country, resulting from fire or weather of more than 40% of the Member's Principal Residence, or death of a parent, spouse, sibling or child." Please let us know if you have any other questions. Thanks. The coverage brochure also talks about some trip interruption under returning due to medical needs. I am guessing that also does not really apply here, correct? Could you please let me know which exact document you are referring to and which page and which section?

Thank you for your interest in purchasing visitors insurance for your parents. There are some plans that cover acute onset of pre-existing conditions for below the age of 70 years. However, for 70+, Patriot America will cover sudden and unexpected recurrence of pre-existing conditions up to $2,500. /patriot-america-lite-insurance/ /visitor-insurance-acute-onset-of-pre-existing-conditions/ I doubt that the person would really get acute onset of pre-existing conditions for arthritis as it is a chronic problem. But in any case, look at Atlas America at /atlasamerica-insurance/ I hope this answers your questions. If you have any other questions, please feel free to post them here or contact us at any time. Thanks for quick reply. Are these insurance accepted in www.metrohealth.org? Metrohealth is pretty good hospital in Cleveland but known for its discounted healthcare services. For my mom, I am not really looking for the insurance which will cover arthritis. What will be a good regular insurance for her covering dental or any other emergency needs? Hello, You can search for the providers in your area at Atlas America: /travel-and-student-insurance-ppo-network/ Patriot America: /international-medical-ppo-network/ In regards to your mom, there are fixed coverage plans & also comprehensive. We recommend the comprehensive plans, such as Atlas America, due to the fact that the plans have more coverage then the fixed. I have also provided the link for Inbound USA which is a fixed coverage plan for you to read over to see how that plan works. I have also included the web address for Careington which is a Dental/Vision discount plan that we offer. /safe-travels-elite-insurance/ /careington-dental-vision-plan/ If you have any other questions, please feel free to post them here or contact us at any time.