Ask Our Specialists

Yes, it would be nice to hear the experiences of other consumers. We sell Bridge plan a lot and we have not heard a single complaint so far. People are more likely to report problems than good experiences.

You can certainly pay for it yourself. That is an option. If there are no complications and normal delivery, expenses may be around $10,000 to $15,000. But it can really vary. You can certainly pay for it yourself. That is an option. If there are no complications and normal delivery, expenses may be around $10,000 to $15,000. But it can really vary. thanks for the reply, that's an option, what's the other options? can i have maternity insurance, i can pay for it from now! waiting Other option could have been if your or your spouse's employer's group health insurance would cover it. You can't buy new insurance to cover pregnancy/maternity if you are already pregnant. i have conducted an emergency maternity insurance in the country i am visiting this month, Can we conduct the same in US? I am not aware of any product from any company in US that would cover maternity if you are already pregnant. i have conducted an emergency maternity insurance in the country i am visiting this month, Can we conduct the same in US? reply soon

1. Visitors Care covers anywhere outside home country. And the effective date/time is according to the 12.01 AM Eastern time the day you specify. Keeping the time zone difference in mind, in order to cover during the travel time as well, you need to put the effective date one day in advance of the travel date. 2. Travel delay/loss of luggage/passport etc. No. 3. You should buy separately. Everything is per person including price. But if you buy separately, you more flexibility in terms of renewing/cancelling for just one person. More details in FAQ at /visitors-medical-insurance/ 4. Yes, that would be considered as pre-existing condition and excluded by this products and others as well. 5. Visitors Care is a fixed coverage plan. I recommend comprehensive coverage plan such as Patriot America. Read /visitors-insurance/ to understand fixed vs comprehensive. Since the pre-existing conditions are not going to be covered do you think it really matters if it is going to Fixed or Comprehensive coverage? Also comprehensive coverage seems very expensive. Yes, it matters. If it didn't matter, why would anyone buy comprehensive coverage? Why would comprehensive plans even exist? Why would someone pay 2 to 3 times more money? Whether the person is healthy or not, probability of someone getting into completely new medical condition is the same at a given age. Both types of plans don't cover pre-existing conditions. However, when a new medical condition occurs how much they cover is the difference between fixed vs. comprehensive. e.g., if you need surgery (let's say you fell down in bathroom and broke your hip) and it costs you $40,000, fixed coverage will pay $3,300 and you pay the rest. Let's say you get hospitalized and the expenses is $10,000 a day, fixed coverage will pay $1,400 a day and you pay the difference. Therefore, it is still recommended to buy the comprehensive coverage. Cheap or expensive is a very relative term. Looking at the cost of medical treatment and the age of the visitor, comprehensive coverage plans are very reasonably priced, keeping in mind the level of coverage they provide. They are not expensive at all. OK. That's a very valid point. Let me review the benefits of Comp Insurance too. Thank you for your inputs. Is There any seperate insurance that I can buy for travel for loss of luggage/ticket/passport or delay etc? If so from where and approx how much would it be? If you buy comprehensive plan like Patriot America, it will automatically include lost luggage. There is no separate insurance for loss of passport/ticket etc. Those items will always be with you and therefore rare chance of losing them. I have another question. If we get an insurance for initial 3 months say Dec to March and then renew it again for the next 3 months say Mar to Jun would it be considered as one policy period or two seperate policy period? How about the deductibles? Please let me know. Thank you In Patriot America, it would be considered as one policy period and one deductible would apply in entire 6 months. In Patriot America, it would be considered as one policy period and one deductible would apply in entire 6 months. How about in Visitor's Care? In Visitors Care, the deductible gets reset at the time of renewal. In Visitors Care, the deductible gets reset at the time of renewal. How about the coverage that we take? Policy maximum is life time. That does not get reset. Policy maximum is life time. That does not get reset. Thank you so much for your inputs. I am planning to buy the insurance policy today. My parents plan to leave from Chennai on 4th Dec morning. So planning to take from 3rd Dec till 2nd June 2008 (for 6 months). Can we buy it online or do we need to call the no to buy? You can buy it right here on this web site: / Alternatively, you can call us too at (866) INSU-BUY. Same price and same procedure either way. You can buy it right here on this web site: / Alternatively, you can call us too at (866) INSU-BUY. Same price and same procedure either way. How long does it take for the Identification Card and other downloads to appear if we fill it online? I did it an hour ago but so far I am not able to view the ID Card or other details when we give the name and DOB. Please give me a call. Please give me a call. I tried calling you just now but I am not able to reach you. I did not leave any message though. Will try calling you tomorrow. Thank you I tried calling you just now but I am not able to reach you. I did not leave any message though. Will try calling you tomorrow. Thank you. The details are showing up since today morning. Also somebody called from your office regarding my phone call. So this has been resolved now. Thank you very much for all your inputs. In case of any further questions will definitely get in touch with you. Thank you so much. We are open till 9 PM central time. You called our office much later than that and therefore not able to reach me or anyone else in the office. During normal business hours, several people are always here in the office and you should get your queries answered right away. We believe in instant customer service. Let me know if you need any other help. We are open till 9 PM central time. You called our office much later than that and therefore not able to reach me or anyone else in the office. During normal business hours, several people are always here in the office and you should get your queries answered right away. We believe in instant customer service. Let me know if you need any other help. That could be possible since I wanted to call from home and we are in PST timezone and hence I could have called in late. Only after calling came to know that you are open till 9PM Central time. Will definitely get back to you if I have any other queries. Thank you.

If you are willing to pay for at least 3 months upfront, buy Patriot America. Otherwise, buy Protection America.

1. You will have to get a prescription from US doctor. You will have to pay all the amount yourself. No insurance company is going to pay for it. 2. I don't think so. 3. That is the best option. I myself have done that in past for my visiting relative. They can send it by courier like FedEx, DHL etc. You will have to attach original receipt from pharmacy. They will have to fill a customs form where it describes the medicine, dose, price etc. Most of the couriers have that form automated in their system. The courier charge will be double of normal charge. Another friend of mine and also my customer's mother got sick in couple of days after coming to US. She had malaria which was pre-existing condition and not covered by insurance. As per my advice, he also asked his relative to courier him malaria medicine from Mumbai, India and it worked. Thanks a lot for reply.

PPO network negotiated fees apply only for the covered expenses. For non covered expenses such as pre-existing conditions, it is between you and the provider. Insurance company does not remain into picture at that point. Most US based products we have offer have PPO network, except Inbound USA. Look at /visitor-insurance/ Next to each product, there is a link 'How Plan Works' That would explain you more in detail how that plan works.