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Ask Our Specialists

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

Q:Will the insurance cover my pre-existed condition such as cholesterol which I have had from 10 years (chronic condition - family related)? I am now 28 Years.

A:
Visitors Protect is the only plan that offers coverage for pre-existing conditions for visitors, but it still cannot be known, expected, or routine treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. It must be purchased before the insured has left their home country, and the sub-limited maximum amount of coverage that is available for pre-existing conditions is $25,000 ($50k, $100k, or $250k policy max available for expenses related to new injuries or illnesses). Other plans, like Atlas America or Patriot America Plus, do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. You can run a quote in the Visitors to U.S.A. section of the website to see what plans are available. If you have any additional questions please let us know.
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Q:travel medical insurance for my senior parents - what are the things covered and what are the best plans

A:
Visitors insurance will generally pay for any new injuries or illnesses that did not exist in the body before the effective date of the policy. No plans on the market are going to offer coverage for preventative care or routine maintenance of any kind, and they will not cover pre-existing conditions with the exception of the acute onset of a pre-existing condition coverage available on some plans, and a plan called Visitors Protect. Patriot America Plus and Safe Travels USA Comprehensive are two of our most popular plans. You are welcome to run a quote in the Visitors to the U.S.A. section of the website to see what plans are available to you. If you have any additional questions please let us know.
{{currentOrigin}}/answers/international-travel-medical-insurance/travel-medical-insurance-for-senior-parents-what-are-the-things-covered-and-what-are-the-best-plans-76116/

Q:I'll be visiting France and Switzerland between April and May and will be capturing video and photography of some of the sights with my drone (DJI Mini 4 Pro registered with the FAA - Weighs 250 grams). In Switzerland, liability insurance for drones is mandatory for most types of drones and must cover a guaranteed sum of at least 1 million Swiss francs.Does travel insurance provide any coverage for drones?

A:
We unfortunately do not have any plans that have that high of liability coverage. The most we can offer is $100,000
{{currentOrigin}}/answers/other-insurance/drones-and-must-cover-a-guaranteed-sum-of-at-least-1-million-swiss-francsdoes-coverage-for-drones-23822/

Q:Hello, my mother has Rheumatic heart disease (RHD), blood pressure and diabetes. She has been treated in India and has medication regularly. She is feeling good with the medication. No further treatment is recommended from doctors in india.She wants to Travel to USA for about 3 months.Since she has the existing conditions, what insurance is recommended?

A:
Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known, expected, or routine treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. It must be purchased before the insured has left their home country, and the sub-limited maximum amount of coverage that is available for pre-existing conditions is $25,000 ($50k, $100k, or $250k policy max available for expenses related to new injuries or illnesses). Other plans, like Atlas America or Patriot America Plus, do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. You can run a quote in the Visitors to U.S.A. section of the website to see what plans are available. If you have any additional questions please let us know.
{{currentOrigin}}/answers/visitors-health-insurance/rheumatic-heart-disease-blood-pressure-and-diabetes-what-insurance-is-recommended-84553/

Q:I would like to know if the travlers insurance includes gyno and std testing& treatment.

A:
Unfortunately, travel insurance does not include coverage for this type of testing or treatment and there are usually exclusions for treatment related to STDs. Travel Insurance plans are primarily designed to cover you while traveling for new illnesses, injuries or accidents that occur during your trip. If you have any additional questions or need further clarification, please let us know.
{{currentOrigin}}/answers/international-travel-medical-insurance/does-travel-insurance-provide-coverage-for-sexually-transmitted-diseases-21566/

Q:I have pre existing diabetes and hypertension for which I am being treated for last so many years and the same is under control with medication. Will this be covered

A:
All plans for visitors are primarily designed to cover for new injuries or illnesses that did not exist in the body before the effective date. No plan on the market will cover preventative care or routine treatment of any kind. Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known, expected, or routine treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. It must be purchased before the insured has left their home country, and the sub-limited maximum amount of coverage that is available for pre-existing conditions is $25,000 ($50k, $100k, or $250k policy max available for expenses related to new injuries or illnesses). Other plans, like Atlas America or Patriot America Plus, do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. You can run a quote in the Visitors to U.S.A. section of the website to see what plans are available. If you have any additional questions please let us know.
{{currentOrigin}}/answers/visitors-medical-insurance/i-have-pre-existing-diabetes-and-hypertension-is-under-control-with-medication-will-this-be-covered-20182/

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?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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Are you an exchange visitor to USA?

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.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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Most schools require international students to purchase health insurance.

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