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Thank you for contacting Insubuy for your insurance needs. There is a plan available for your family during their stay here in the United States. With the visa type that your wife and child (15) are coming in on (H4). There is a plan called Patriot America Plus that is available. This plan will cover any new accidents or new illness that occur after the effective date of the policy. As your daughter (21) will be coming along on a B1/B2 visa she is also eligible for this plan but will need a separate policy as she is considered an adult. Please use the link listed below for more information on this plan. If you have any question please feel free to contact our office. Patriot America Plus brochure & instant purchase link: /patriot-america-plus-insurance/

Please look at /safe-travels-usa-comprehensive-insurance/ Thanks, it looks perfect. Where I can find more information about the Hazardous Sports Coverage? Please use the link listed below for more information about the hazardous sports rider. This is the legal certificate wording for the plan. If you have any questions please feel free to contact our office. Certificate wording Liaison Continent: /safe-travels-usa-comprehensive/visitor-medical-insurance/visitor-health-insurance.pdf At exclusion & limitations it is established that: Injury sustained while participating in amateur or interscholastic athletics, including but not limited to the event, games, practice, conditioning and any other activity related to amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities. Note: A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation. My two older sons (13 and 9 years old) will be practicing Alpine Ski with the Flagstaff Ski Club as part of its Racing Team. It is an amateur junior ski team. Do I need a different insurance for them? Thank you for contacting Insubuy. Unfortunately, there are not any plans on the market that will cover them if they are participating on a competitive level (racing). If you need any further clarification please feel free to contact our office.

Thank you for contacting Insubuy for your insurance needs. There is a plan called Atlas International that is designed especially for your trip. Please use the link below to access the Atlas International plan. This link will provide your information about the plans details , allow you access to the brochure and legal certificate wording. You will also be able to generate quotes for coverage. If you need any further assistance please feel free to contact our office. Kailash Mansarovar Yatra Travel Insurance: /kailash-mansarovar-yatra-travel-insurance/ Many thanks for your immediate response. I was not able to find any link for trip insurance for non-US citizens. We would like to take this cover also, which would include the non-refundable portion of airfare and the amount paid to the travel agent for the yatra. Further, could we cover our daughter (who would be coming with us on this trip but resides in a different country) along with us, or would she need to be covered separately. The Atlas International plan is for anyone that will be traveling outside of their home country. Your daughter would have to have a separate coverage but you are able to purchase on her behalf. As a non U.S. resident your options for purchasing coverage for trip cost will be limited as you must be a resident of the United States to purchase this type of insurance. There is one plans available for you to purchase it is a plan called Safe Travels International Trip Protection. Please use the link listed below for more information about this plan and to generate a quote. As these are two different coverage that you are interested in it is necessary to purchase two plans to cover all aspects that you are interested in. Safe Travels International Trip Protection brochure: /trip-cancellation-insurance/

Thank you for contacting Insubuy for your insurance needs. Please use the links listed below to plans that will meet your Universities requirements for coverage that you have listed below. If you need any further assistance please feel free to contact our office. Patriot Exchange Program brochure & instant purchase link Atlas Essential America brochure & instant purchase link You can find additional plans here.

Unfortunately, since she is already pregnant there is no plan that will cover maternity costs. You would have to contact the university to see if they have a plan that can be purchased directly from them.

1. There is no restriction. Most of the plan has restriction that you have to purchase within 30 days of arrival date in USA for age 65+. But your visitors age is between 60-64yrs. So that restriction is not applicable in your case. But it always better to purchase insurance before they start their journey so if something happens during their travel will be covered. 2. Most of the plans you can cancel before the effective date you will get full refund. After the insurance effective date there will be either $25 or $50 cancellation fees and rest prorated premium you will get refund as long as there no claim has been filed since the original eff. date. If you let us know which plan do you want to purchase we can give cancellation policy for that particular plan. You can find cancellation policy next to each plan in the quote we sent you by e-mail. Please let us know if you have any further questions. You can also visit our website at www.insubuy.com for further details. Thank you for the reply. Can you also tell about the underwriting process please? In both cases- Pre existing condition and also the normal healthy person. As visitors insurance plans are instant issue plans, there is no underwriting procedure. You get instant confirmation of purchase from https://www.insubuy.com