Ask Our Specialists

Thank you for sending us the requirements. We would recommend purchasing the ExchangeGuardplan. You may use the link provided below to view the plan and purchase. You may also purchase over the phone by contacting our office at (866) INSUBUY. If you have any additional questions, please let us know.

We would be happy to assist. We have plans that can cover visitors to the U.S. for new injuries and new illnesses that occur or manifest after the effective date. If you mother is coming to the U.S. on a B1/B2 visitor or tourism visa, the Visitor plans can provide coverage for her. I have attached the quote link below for our Visitor plans. Here you will be able to enter in the specific information required to obtain available plans and quotes. Visitors Insurance If you have any additional questions, or need any further assistance, please let us know.

There are several things to be aware of in general, and in your specific situation, when visiting the U.S. First, you will have to purchase 2 separate policies. 1 policy for you and your son, as U.S. citizens, and then a policy for your partner who is a French citizen. As far as policy maximums and deductibles, each plan will have different options to choose from. If you choose a $0 deductible, then there is not an amount you have to pay out of pocket first before the plan will start to pay for eligible expenses. Some plans have PPO networks and some do not. If they do, then you would have negotiated rates for covered expenses. While most in network providers will direct bill, and all hospitals will direct bill for covered expenses, a provider's office, like a doctor's office which is a private practice, can have you pay at the time of service and then you would file the claim yourself. This is up to the discretion of the individual provider's office. As far as what all visitor plans cover, they cover all new illnesses and injuries, that occur or manifest after the effective date. They do not cover anything preventative, routine, or pre-existing. Some plans will have an acute onset of pre-existing conditions benefit. This benefit is available on some plans, and offers a possible benefit for certain situations due to a pre-existing condition based on the doctors report, and if the onset meets the plan's definition of an acute onset. I have attached the FAQ link from our website about the acute onset benefit for you to review. It explains the definition of acute onset, and provides some examples that may help with understanding how that benefit works. Acute Onset FAQ If you have any questions, or need any additional assistance, please let us know.

Before, we suggest any plan would like to know how long they have been US, what kind of insurance do they have so far and when did they receive their green card? Meantime, please visit our New immigrant insurance section. Please enter appropriate criteria. You will find many plans and you can also compare them side by side.

No, the travel outside the U.S. plans do not include Kidnap and Ransom. We do have a Kidnap and Ransom policy, and I have attached the link for that plan below. You would fill out the paper application, forward it back to us, and then you would receive a proposal of coverage to review within about 24-48 hours. After reviewing the proposal, you can decide if you would like to purchase the coverage. K&R Coverage If you have any questions after reading over the information, or need any further assistance, please let us know.

We would be glad to assist. We do offer travel outside the U.S. plans, that can be purchased for your travel. I have attached the link for the quote screen for these plans, so that you may enter in your specific information to get quotes and see what plans would be available to you: Travel Health Insurance These plans will cover for new illnesses and new injuries after the policy effective date, and also include medical evacuation benefits as well. If you have any questions or need any further assistance, please let us know.