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Ask Our Specialists

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

Q:I am looking to buy insurance for my parents aged 57 and 54 respectively along with sister age 24. I want to buy a comprehensive insurance which has coverage for acute onsite of preexisting conditions. I have three options Coverage America Gold Patriot america Atlas america I wanted to know which one is better and which provider I can go ? UHC seems to be better PPO plan over all. Which one of the above insurance will be best choice, if I am looking for coverage for acute onsite of pre-existing conditions? If any preexisting condition exists then only life threatening or emergency situations ( acute onsite ) will be covered ? No preventive services will be covered right ? Also, I can not buy insurance for all 3 together then do i need to buy it separately ?

A:
Thank you for your interest in purchasing visitors insurance for your family from India. You can consider purchasing Atlas America as it provides acute onset of pre-existing conditions up to the policy maximum and you can apply for all of them together in one policy. Other policies would not allow you to add your sister. Atlas America provides the most amount of acute onset of pre-existing conditions and it does not have separate lower sub-limits for heart related conditions. Preventive services are not covered in any of the visitors insurance plans. Please let us know if you have any other questions.
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Q:I would like to ask you that my parents will travel in UK and European countries by themselves, in one month, and not follow the guided group. They are 50 years old. Which insurance is available for them (accident or travel insurance) Because I do not know what difference between them. By the way, about medical care insurance, which is fit for them? Please recommend it to me. I would appreciate ask that if you receive my email, please reply me as soon as possible.

A:
Thank you for contacting Insubuy for your insurance needs. Are you wanting to cover the cost of the trip or cover them medically during their travel? If you are wanting a medical plan then we would recommend Atlas International or Patriot International. These plans can be found in the Travel outside USA section of our website. If you need additional assistance please feel free to contact our office.
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Q:I would like to know some more about the visitors coverage plan, that Atlas International offers for overseas travelers visiting U.S. Does the plan cover acute onset of pre-existing conditions for such travelers? Does the plan pay up to full coverage amount in above situations? Are there any upfront costs? Does the plan offer cashless hospitalization? Are there any other costs besides deductibles?

A:
Atlas International will cover outside of the US. For coverage in the US you will purchase Atlas America. Atlas America does include the Acute Onset benefit for people age 69 and below. The Acute Onset is covered up to the chosen policy max. In most cases the upfront cost would be the deductible but it's up to the provider what amount is paid at the time of the visit. In most cases for hospitalization they will bill the insurance directly.
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Q:I am looking for a visitor insurance for my mother from India. She is 77, has some pre-existing conditions like High BP, Hypnaetramia(sodium issue). I need a good policy that will pay claims with NO hassles. Also budget friendly . We live in NJ area. She will visit from July - Dec

A:
Thank you for contacting Insubuy for your insurance needs. Plans will cover any new illness or injury that occurs after the effective date. No plan on the market will cover pre-existing conditions. Some plans include a benefit for an Acute Onset of a pre-existing condition but that is something that happens suddenly, unexpectedly, without any advance warning and requires urgent care. Please see the links below for more information on Acute Onset and a plan that includes that benefit for someone in their 70s. Safe Travels USA Comprehensive plan information here. If you have additional questions please feel free to contact our office.
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Q:I am coming on an Immigrant Visa from India to USA and wish to take Health Insurance for Self & my Wife. Insurance Companies in India are offering Travel Insurance to us for a period of six months. After the initial Travel Insurance from India, we wish to take health insurance cover in USA. Is there any restriction to take health insurance from India? What kind of health insurance will suit us best?

A:
It is the best to buy new immigrants health insurance right away, rather than purchasing travel insurance from India. You can search here: New Immigrant section
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Q:I want to buy about a month worth of insurance for when I visit the US this summer. But I would also like my insurance plan to cover my remaining time in Vietnam (1 month, I am living in Vietnam at the moment). I want to know if Patriot America (under Sirius International) can cover me in both countries.

A:
Plans will cover anywhere outside of your home country. So if you live in Vietnam that would be your home country and the Patriot plan would not cover you there. If you are visiting Vietnam and your home country is somewhere else then that plan will cover both places.
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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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You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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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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Traveling abroad?

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

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

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

Buy a trip cancellation insurance package plan and be worry-free.

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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.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

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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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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