Ask Our Specialists

Please see the answers to your questions below. 1. There are policies that are available to offer coverage in the state of Maryland to visitors not residents. Please see the links listed below for the available plan options. Atlas America brochure & instant purchase link: ( This plan must be purchased before arrival) /atlasamerica-insurance/ Safe Travel USA Cost Saver brochure & instant purchase link: /safe-travels-usa-cost-saver-insurance/ 2. Plans will cover the new accidents and new illness that occur after the effective date of the policy. The plans will not cover pre-existing conditions, preventative or routine doctors’ visits, or immunizations. There is a benefit for coverage of an Acute Onset of a pre-existing condition. Please use the link below for more information on this benefit. Acute Onset FAQ: /visitor-insurance-acute-onset-of-pre-existing-conditions/ 3. The plans will cover for whatever is medically necessary for a covered expenses. If you have any more question please feel free to contact our office.

Thank you for contacting Insubuy for your insurance needs. In order to better assist you we will need more information. Can you please provide the visa status of your wife? If you have any additional questions please let us know. She will have J2 exchange visa. Unfortunately, there is no plan available that would cover maternity and delivery expenses.

Please buy separate insurance for each person. You can do at https://www.insubuy.com

Atlas America will cover anywhere outside the home country, including during travel by flight.

We would recommend either Atlas America or Patriot America Plus. Unfortunately, there is no insurance on the market that will cover his pre-existing condition. The plans will cover any new illness or injury that occurs after the effective date of the policy. The two plans I mentioned do include coverage for the acute onset of pre-existing condition but coverage would be determined at the time of the claim by the claims department based on the doctors report. Please see more information about acute onset here /visitor-insurance-acute-onset-of-pre-existing-conditions/ Also, more information on pre-existing conditions can be found here /visitor-medical-insurance-pre-existing-conditions/ There is nowhere on the application to provide information about pre-existing conditions since these plans are not underwritten and they offer no coverage for pre-existing. It’s not possible to know in advance if either of these situations would be covered or not. It would be determined by the claims department at the time of the claim if it qualifies for the Acute onset benefit. The plans mentioned above will cover the acute onset up to the chosen policy max if this situation qualifies. The Atlas plan will offer a million dollar policy max while the Patriot America Plus will offer up to $500k. It would not be exactly for this case since coverage for this situation wouldn’t be guaranteed. In the event of an emergency you would contact emergency personnel. Yes, 911 is the emergency response number. You would contact emergency personnel in the event of an emergency and provide them with the number to your insurance or provide them with the insurance card. Information on the Atlas America plan can be found here /atlasamerica-insurance/ and information on the Patriot America Plus can be found here /patriot-america-plus-insurance/ since the plans do not provide coverage for pre-existing conditions then there would not be a description of coverage for the diabetic coma. There is no maximum benefit for healing a diabetic coma so this information is not applicable. The quotes can be found from the links above or by entering the required information on our website www.insubuy.com and you will see the different plans we offer. The policy max option is your choice. The plans will cover any new illness or injury up to the chosen policy max. Thank you for your quick answers. Studied links. New issues have emerged. 1) In plan "Inbound USA", "Inbound Guest" in "Acute Onset of Pre-Existing Condition Coverage" I found the following: "...Examples are as follows:... ... Diabetes - 04/01/2013 - (determined to be an acute onset of a pre-existing condition) $25000 is available for the acute onset benefit, payable to the scheduled amounts." /visitor-insurance-acute-onset-of-pre-existing-conditions/ Is it possible to think that this means that the acute onset of diabetes will be paid in this insurance? 2) Can I ask you to ask this question to the Inbond insurance company? 3) Perhaps the more expensive insurance policy (PATRIOT PLATINUM AMERICA as an example) may be more likely to cover such risks as Diabetes? 4) Whatever insurance you have chosen in my case. To your taste? Thank you. I am waiting for answers. The FAQ that you included is not saying that the diabetes is a covered condition. Instead it is just listing examples of scenarios. The Inbound plans will process the claims in a similar manner as the other plans that offer the Acute Onset benefit. The main difference will be that the Inbound plans will only pay fixed amounts (if determined to be a covered illness or injury) and you will be responsible for the majority of the cost. A link explaining the different types of plans /visitors-insurance/ No insurance plans will say that you will have coverage for a particular condition. The decision is only made once a claim has occurred and they have medical records to review. The cost of the plan is not a factor in the likelihood of a claim being processed. The Patriot Platinum plan has the same claims department as the Patriot America Plus plan and would be subject to the same certificate wording. The plans we recommend are the plans we feel would be the best fit but you are free to choose any plan that we offer.

Thank you for contacting Insubuy for your insurance needs. However there are no plans on the market that will cover the cost of outpatient (routine) visits for pre-existing conditions. This is not a service that is available on the market. The plans will cover the new accidents and new illnesses that occur after the effective date of the policies. If there are any routine visits that are made these will have to be paid for solely out of pocket. The only instance related to a pre-existing condition that could be covered is in the event of a life threatening emergency. Please see the FAQ link listed below about the Acute Onset Benefit. Acute Onset FAQ: /visitor-insurance-acute-onset-of-pre-existing-conditions/