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Q:I am a final year medical student in Verona, Italy. From the end of November until the end of January I'll spend 8 weeks in a Miami hospital for two periods of clinical rotation, and I'm currently looking for a Healthcare plan for international visitors that can cover me well during my staying (around 75-80 days). I've read that you are a very good broker, with a solid experience and background of providing help to people that had even bad claims with insurance companies. Of course they try to make the claim process long and often rejected for silly reasons, and still you were able to achieve success in such situations thanks also to your great founder. So it would be a pleasure to purchase the coverage on your website and in the remote case of medical issues, know that you'll be there for me. I am 25 and in very good health conditions. The only thing of some concern in my medical history is a testicular subtorsion that I had more than a year ago, for which I was operated in urgency with a bilateral orchidopexy. From time to time it gives a bit of discomfort/pain, but nothing that has ever required more than an ant inflammatory pill. So my only concern for my trip, apart from unforeseen pathologies I might get during my medical practice in the ER of Hialeah Hospital, is a possible bad reacutization of testicular pain that could require to be seen by a urologist with urgency. So far I've checked the possible solutions and I'd prefer a comprehensive plan, with a maximum of 100.000-500.000 $, a deductible of 100-250 $ and a good PPO network. Of course the main feature should be a high chance that my insurance company gets directly billed by the hospital, since being charged on my credit card and then being forced to struggle with the company to get thousands of dollars back could be over the limits of my financial capabilities and I would be risking my testes. Therefore, I prefer spending 100-200 $ more on my insurance now and get a good one that can cover my needs effectively and with the least anxiety. Possibly the best one. For example, I've seen that there are Atlas America, Patriot Plus , Liaison Travel Elite and Safe Travels USA Comprehensive. Which are your suggestions for me among these four? From your experience, which of them has the highest chance of being directly billed in the Miami area (main hospitals I could go to for possible urologic emergency is Palmetto General Hospital, Mount Sinai, Jackson Memorial)
A:
{{currentOrigin}}/answers/visitors-insurance/visitor-insuarnce-for-pre-existing-conditions-33640/Thank you for your interest in purchasing insurance through us. Insurance for an international visitors covers for any new sickness, injuries or accidents that may occur after the effective date of the policy. It will not pay for dr. visit for the existing conditions. However, plan provides coverage for an acute onset of pre-existing conditions. It will be determined only by the claim dept. based on the attending physician notes and as per the policy certificate whether it falls under acute onset of pre-existing conditions or not. You may view plans and get quotes here. Please enter appropriate criteria. You will find many plans, you can narrow by plan with an acute onset of pre-existing conditions. Please review the certificate wording and feel free to contact us if you have any further questions.
Q:I am looking for insurance coverage for my dad who is travelling to both Canada (6 weeks) and USA (12 weeks). I am not sure what option to choose on your website to find one that would serve both countries. Do I need to buy one separately for each country? Also, he has pre-existing condition and I would like more clarification on how something is determined to be a pre-existing condition related. He has Parkinson's. If he falls down due to balance issues, will that be considered an onset of his pre-existing condition or is it treated separately. Do you have any insurance that can help with travel costs if he needs to go back to India for treatment?
A:
{{currentOrigin}}/answers/visitors-health-insurance/acute-onset-of-pre-existing-conditions-coverage-in-visitor-insurance-39313/When selecting a plan option you may select the coverage area option of "International including USA" to see the plan options which will provide coverage in multiple countries. As a whole the plans are designed provide coverage anywhere outside of the home country. Pre-existing conditions are any condition which were to manifest prior to the effective date of the policy whether known or unknown. The plans will provide coverage for an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously, without advance warning, is rapidly progressive, and requires urgent care. You may learn more about this benefit along with a few examples in our FAQ. As far as the travel cost, there are no plans available that will assist with the travel cost if the insured decide to return home for medical treatment. There are benefits for emergency medical evacuation and repatriation, but these are designed to help someone travel to the nearest adequate medical facility to obtain medical treatment in the event something happens. If you have any additional questions, please let us know.
Q:Is it allowable to buy the insurance today and then go to see doctors tomorrow? Parents come to Houston, Texas and stay for months.
A:
{{currentOrigin}}/answers/visitors-medical-insurance/visitor-insurance-coverage-pre-existing-condition-coverage-80585/Thank you for contacting Insubuy for your insurance needs. Visitors insurance plans are designed to provide coverage for new illnesses, injuries or accidents which occur after the effective date of the policy. The plans will not provide coverage for pre-existing conditions, routine doctors' visits, or preventative treatments such as immunizations. If the insured is currently needing medical treatment, and the plan is purchased to be used for that medical situation the plan would not provide coverage. Since the situation would have manifested prior to the effective date of the policy, it would be considered a pre-existing condition. Please let us know if you have any additional questions.
Q:I'm hoping you can help me. I need to buy healthcare for my son (6/4/99) who is studying at Uni of South Carolina. He is already there and needs it from now until 5/31/20. He is a UK resident but is in the US on his US passport as he was born in Texas. Uni of South Carolina have the following requirements; International Students must be enrolled in a health plan that meets the following minimum requirements: 1. Medical coverage must have an unlimited maximum benefit per policy year per covered person. 2. Contains no exclusions (or waiting periods) for pre-existing conditions. 3. And provide the following coverage benefits: - Ambulatory (i.e. Outpatient) patient services - Emergency Services - Hospitalization - Maternity and newborn care - Mental health and substance use disorder services - Prescriptions drugs - Rehabilitative and habilitative services and devices - Laboratory services - Chronic disease management 4. Out-of-pocket expenses must not exceed $6,350 (individual) and $12,000 (family). 5. Plan must provide coverage in the South Carolina area. 6. Repatriation expenses in the amount of no less than$25,000. 7. Expenses associated with the medical evacuation of the insured to the insured's home country of no less than $50,000. If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits. NOTE: The following plan(s) will NOT be acceptable for waiver approval: - Short-term coverage plans are not accepted. - Financial Assistance plans are not accepted. - Travel plans or plans that require you to pay for treatment yourself and then apply for reimbursement are not accepted.
A:
{{currentOrigin}}/answers/f1-visa-insurance/health-insurance-for-student-us-passport-uk-resident-university-requirements-41927/We do not offer any plans which will meet the requirements provided below. We would recommend purchasing through the University directly.
Q:I have a relative from India visiting me in new jersey, USA. He has Tata AIG insurance to the coverage of $150,000. I don't know the details of his policies, but I worry that his policy might be a fixed policy. He has had a heart surgery several years back and I am also not sure about the pre-existing clause etc. I am very familiar with Atlas America and know how it works based on my personal experience. Can I purchase Atlas America for the duration of stay of my relative with me even though he has Tata AIG insurance cover? Please advise.
A:
{{currentOrigin}}/answers/visitors-medical-insurance/atlas-america-pre-existing-coverage-acute-onset-42612/Thank you for your interest in purchasing insurance through us. Atlas America plan provides coverage for an acute onset of pre-existing conditions. Please review the plan details, certificate wording and feel free to contact us if you have any further questions.
Q:From your website, I found Visitor Care and VisitorSecure are covering the pre-existing conditions, right? If my parents have heart disease, or kidney disease already, then some illness related to these will be covered by Visitor Care and VisitorSecure, right?
A:
{{currentOrigin}}/answers/visitors-insurance-usa/visitor-care-visitorsecure-fixed-coverage-acute-onset-benefit-89588/We would be glad to advise. There is not a visitor plan on the market that will cover pre-existing conditions. What it states is acute onset of pre-existing conditions. Also, be advised that both the Visitor Secure, as well as the Visitors Care plans are both Fixed coverage, limited benefit plans and pay based on the plan's schedule of benefits. You will want to be sure and look at the Schedule of benefits link to see what the plan will pay per incident for each category of coverage. If you have additional questions, please let us know.
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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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