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

Q:Medical insurance for wife and son Dear Sir I am planning to come USA along with my wife and son. While i am covered with an insurance plan offered from my company (Fulbright-ASPE plan), which is managed by Seven Corners Inc., i have to buy insurance for my wife (25 years) and son (2 1/2 yrs) for 8 months. I initially decided to go for ICICI Lombardo, but after seeing your informative website through Google search, i decided to go with USA (your) plans. Based on my readings and understandings, i narrowed it down to go for either Atlas America plan or Liasion Worldwide plan with either $50,000 or $100,000, though Liasion Worldwide plan does not offer $100,000 coverage. Based on deductibles, coinsurance, network, etc., I have narrowed down to Atlas America plan. I have following queries. 1. Is my choice is OK based on the inputs provided? Your advise please... 2. The plan (Atlas America) states that it is free for 1 child if one parent is enrolled. Does it mean that both are covered with $50,000 per person or together covered with $50,000, if i go for $50,000 coverage? 3. If i want to renew it after some time, can i also increase the coverage limit during renewal? Whether it is permitted? For eg from $50,000 coverage to $100,000 coverage. 4. I am planning to take insurance before departure. So will they mail insurance documents to India address or US address? Looking to hear from you. Regards

A:
1. Yes. 2. $50,000/person. 3. You can't make such changes at the time of renewal. 4. Whatever address you specify. You can download the documents online at /myaccount/ You can Atlas America insurance at /atlasamerica-insurance/ Please feel free to contact us at any time if you have any other questions. Dear Sir Thank you for the answers. I also want to clarify these. 1. Even if i am a J1 visa holder and my wife and son are J2 visa holders, can we opt for Atlas America insurance? Because, in a separate link to J1/J2 visa holders in your website, when i searched, Atlas America insurance plan was not available. Looking to hear from you. Regards Atlas America is not appropriate for J1/J2 visa holders. Please look at Patriot Exchange Program at /j1-visa-health-insurance/ Is it mandatory that J2 visa holders should not take Atlas America plan? It is not mandated the way you wrote. However, U.S. Department of State has mandated the minimum requirements for J1/J2 visa compliant insurance. Among them is that minimum of $50,000/incident. However, Atlas America provides the policy maximum only once for the entire policy period and therefore it does not meet the J visa insurance requirement. That is why you should not purchase that insurance. I hope that answers your questions. If you have any other questions, please feel free to contact us at any time. Another query. In Atlas America brochure, it is mentioned that "Maximum per injury / illness" will be $50,000 or whatever amount we select. Is it true? Does it mean that it will satisfy minimum requirements for J1/J2? Sorry to ask more queries. Policy maximum in Atlas America is NOT per injury/illness. It is for the entire policy. Were did you read Maximum per injury/illness? Please send me the exact URL and exact location within that. It is not true. Altas America does NOT meet the requirements of J1/J2. Please look at the page 3 (last two rows) attached PDF file downloaded from your website. Am i wrong? The way it is written is tricky and therefore you have misunderstood it. Lets say you buy $50,000 coverage. You will get maximum $50,000 for the entire duration. However, if you get sick or injured, the per illness/injury limit is also $50,000, and not something like $10,000. In other words, you can use the entire $50,000 in one sickness/injury itself. But in that case, you would have nothing left for the next sickness. Believe me, Atlas does not meet J1/j2 requirements. We have been doing this business for around 9 years now.
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Q:J1 insurance for Texas A&M university I am a visiting scholar.This November I am going to Texas A&M University. I'll stay there for 7 months. Now I want to purchase the medical insurance. Please tell me what should I do now.

A:
You can buy any of the plans available at /j1-visa-health-insurance/ Thank you for your responding so quickly. If I purchase the insurance now, can you give me the proof that the insurance will begin upon my arrival in America. I need the proof now. and I have read the plans in your websit and decided to purchase Patriot Exchange Program Standard. Best wishes. As soon as you make the purchase, you will get the proof in the email right away. Alternatively, you can also download it from /myaccount/
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Q:Atlas America Acute onset of preexisiting conditions My parents are coming to the U.S. soon and I am considering buying Atlas America for coverage of acute onset of preexisting conditions. However, if you look at this email communication below from HCCMIS directly, I am getting contradictory information about Atlas America coverage for acute onset of preexisting conditions. As you sell Atlas America and I see on your web site that you have helped a lot of people, could you please tell me what exactly is the coverage in Atlas America Thank you

A:
Thank you for your interest in purchasing the visitors insurance for your parents. I understand your concern around this matter. To the best of my understanding, what Jamie is saying seems true and what you have read on the other web site seems false. If the person had no symptoms or medication taken for something in the last two years, that condition would not even be considered a pre-existing condition and would be covered just like any other new medical condition. The logic for it is: In order for an acute onset of pre-existing condition coverage to be applicable, you must first have some pre-existing condition and that would be so if you had something going on in last two years. You can find the complete details about the Atlas America insurance plan Atlas America Insurance. I hope that answers your questions. If you have any further questions, please feel free to contact us at any time.
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Q:Visitors Insurance for daughter visiting USA I am looking for a basic travel insurance for my daughter who will be travelling to visit relatives in the USA from the 8th to 22nd August 2010. Can you recommend one? I just want an insurance in case of accident or ill health though she is totally healthy.

A:
Is she U.S. citizen? Or non-U.S. citizen? What is the country of permanent residence? She has British and Mexican Nationality and her country of residence is Mexico thanks In that case, you can buy any of the plans available at / Please enter your criteria and you will see various plans with their prices. You can compare them side by side and make an instant purchase online. If you have any other questions, please feel free to contact us at any time.
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Q:American visiting USA insurance Hi, I am an american living in Italy, and I'd like to purchase a medical travel insurance for myself (44yrs old) and my son (american, 5 yrs old) to travel to the state of WA from Aug 10 until Aug 21st on vacation. Could you please send me a quote? I could not figure out the right plan for us looking at your home page. Thanks in advance, Marcia

A:
Please look at /safe-travels-usa-comprehensive-insurance/ You will be able to get the quotes, details of the insurance and make an instant purchase online. If you have any other questions, please feel free to contact us at any time.
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Q:Visitor insurance for 3 months I need to buy medical insurance for my mother who is a resident of India and will be visiting us for 3 months starting tomorrow, please forward me all the details also if possible give me a qoute. Details, DOB Aug101939 Please consider this as a priority as they will be arriving tomorrow. Thank you,

A:
I believe that you already talked to someone in our office and you discussed Patriot America. You can find all the information about Patriot America insurance at /patriot-america-lite-insurance/ You can get instant quotes and you can also purchase it online right there. If you have any other questions, please feel free to contact us at any time.
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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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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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