Ask Our Specialists

No visitors insurance is meant to cover second opinion, general check up or any scheduled expenses. It is a pure loss for any insurance company. For acute onset of pre-existing conditions, please check /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please let us know if you have any other questions. Thank you..any advise on how much the cost would be for the condition that I mentioned above on an average.. No visitors insurance is meant to cover second opinion, general check up or any scheduled expenses. It is a pure loss for any insurance company. For acute onset of pre-existing conditions, please check /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please let us know if you have any other questions. Unfortunately, we have no way to know. You should ask the doctor or the hospital where such tests or second opinions are going to be performed. May be, they would be able to give you some idea.

Please note that new immigrant insurance plans are not meant to cover anything and everything that may happen to them. However, it does not mean that the person should be uninsured. Even though you may be worried about pre-existing conditions, you never know what kind of new medical conditions, injuries or accidents that you may run into that occur after the effective date of the policy. Therefore, it is always advisable to buy the insurance. Actually that's not true. Even in the most optimistic scenario, when the treatment is definitely covered by an insurance policy, if the self-pay discount is greater than the insurance limit minus insurance premium, one is better off being un-insured. This is especially relevant for the elderly, as the maximum limit is lower and medical bill could be higher (higher likelihood of complications). Add this to medical bills from illnesses that may be considered pre-existing conditions... It is more advisable for consumers to know the cost and benefits of insurance policies. Please note that new immigrant insurance plans are not meant to cover anything and everything that may happen to them. However, it does not mean that the person should be uninsured. Even though you may be worried about pre-existing conditions, you never know what kind of new medical conditions, injuries or accidents that you may run into that occur after the effective date of the policy. Therefore, it is always advisable to buy the insurance. It is certainly your decision whether you would like to purchase the insurance or not. Please note that Inbound Immigrant is a fixed coverage plan and pays a fixed amount for each and every procedure. However, depending upon the age and the state of the new immigrant, there are comprehensive coverage plans that pay much higher and cost more money. Therefore, we always recommend everyone to always comprehensive coverage plans and never the fixed coverage plans.

You can consider purchasing either /atlasamerica-insurance/ or /safe-travels-usa-comprehensive-insurance/ You can compare them side by side at / If you have any other specific questions, please feel free to post them here or contact us at any time.

1. That does not apply currently. That restriction was lifted in August, 2012. 2. Yes, we always recommend you to do seapare applications for each person. You can purchase Atlas America insurance at /atlasamerica-insurance/ If you have any other questions, please feel free to post them here or contact us at any time.

Liaison Continent and Atlas America are two excellent plans from two competiting companies. Both of them periodically make changes and introduce the features/benefits that is better than the others. What is best is really subjective and a matter of personal opinion. Therefore, you would be fine with either Liaison Continent or Atlas America. You can compare both the plans side by side at https://www.insubuy.com and you will see that there is indeed not much difference. If you have a question about a specific aspect, please let us know and we would be glad to clarify it. What you read "somewhere" is absolutely not true. As long as it is indeed acute onset of pre-existing conditions, both Atlas America and Liaison Continent will up to the stated maximum for people below the age of 70 years. 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. Please read /compare-visitors-insurance/ to understand the different between Atlas America and Liaison Continent.

Realistically, there are really no plans that cover pre-existing conditions in any form for 70+. There are some plans that provide little coverage: Visitors Care: /visitors-care-insurance/ If additional option is purchased, if the person is admitted into the hospital due to heart attack or stroke that is due to pre-existing conditions, it will pay max $2,500. Safe Travels USA: /safe-travels-usa-insurance/ $1,000 in acute onset of pre-existing conditions. Liaison Majestic: /atlasamerica-insurance/ If the person is admitted into the hospital due to heart attack or stroke that is due to pre-existing conditions, it will pay $200/night, max $3,000. Therefore, you can see that there is really no proper coverage for 70+ for anything related to pre-existing conditions. We generally advise everyone to buy separate policies due to many advantages in terms of flexibility of choice of plans, renewability, refund etc. The price is per person, deductible is person, policy max is per person anyway. Some plans mandate you to do separate policies anyway and in that case, there is no choice. I would recommend that you purchase Atlas America Insurance for your mother at /atlasamerica-insurance/ If you would like to purchase $50,000 for your father, you can buy the same Atlas America Insurance for your father too. For $100,000, consider Patriot Platinum America insurance at /patriot-america-platinum-insurance/ I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time. My father is actually 69 and will be turning 70 when he is in US. Is it the age at coverage that matters? Also, is ImmigrantSecure a good plan for 100k for both of them? I think having PPO network will get me negotiated charges. What is your opinion? When the person is 69 years of age, he will get coverage according to the age 69 years. When he turns 70, his coverage will be according to the age 70. Immigrant Secure is a fixed coverage plan. In other words, it is a scheduled benefit plan and has sub-limits for each and every medical benefit. Please read about it at /visitors-insurance/ We always recommend everyone to buy only the comprehensive coverage plans. Even with PPO network's network negotiated fees, you will have to pay a large balance out of your pocket. If he is 69 years, and I buy initially for one month and renew later on, will the rate go up once he crosses 70? In general, yes, that would be the case. However, it depends upon the plan you purchase. Therefore, if you can tell me specifically which plans you are referring to, I can provide more accurate information. Thanks for shearing your nice and helpful post and good information for us.It may be helpful for me.