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It is definitely better to buy the insurance from U.S. Please read /visitors-insurance-usa-india-comparison/ to understand the difference between buying from US vs India. Unfortunately, there is no plan available in the market that would cover her physiotherapy session as it would be considered as pre-exisiting conditions. All the plans are designed to cover any new medical conditions. Even though there are some plans available that may cover up to some small extent in some very limited and unforeseen circumstances, it would not cover your father's condition as it is already known in advance that you need it. You can read more at /visitor-medical-insurance-pre-existing-conditions/ There are two types of insurance plans: Fixed: Limited, cheaper Comprehensive: Better, more expensive More details at /visitors-insurance/ If you would like to buy fixed coverage plan, look at Visitors Care, at /visitors-care-insurance/ If you would like to comprehensive, the choices are based on whether you would like $50,000 or $100,000 coverage. For $50,000, look at Patriot America at /patriot-america-lite-insurance/ For $100,000, look at Patriot Platinum America at /patriot-america-platinum-insurance/ We always recommend everyone to buy comprehensive coverage plan. You will get all the details about each plan in the links above, you can also compare them side by side at https://www.insubuy.com and make instant purchase online. If you have any further questions, please feel free to contact us at any time.

It would be best if you can call us so that we can go over the options for you quickly and help you select the most suitable plan for you.

I completely understand you specifically asked that I should not respond to this. (By the way, I don't write anything inaccurate, anyway). However, as no one has responded in a couple of days, let me clarify something. Unlike other web sites such as immigration etc. where people routinely hang out because their greeen card processing takes many years and they are constantly looking for useful information, for example, most people come to this web site when they are looking for information to buy the insurance, or they bought some insurance (either the ones we sell or the ones we don't) and had some negative experience and want to write about it or looking for some help. It is not normal for many people to routinely hang out on this discussion forum. Most people look for information, buy something and go away. And most of those people either don't end up filing the claim or don't experience any problem. As a consumer, I myself would not hang out on Aetna's or Blue Cross Blue Shield's web sites and post positive experiences every time some one in my family happened to go to the doctor. That is because most consumers simply don't care. That is a fact of the life. I hope you understand what I am trying to explain. And I really hope that more and more people provide their feedback as that is the only way even for us to know about various plans and various companies experiences. Unfortunately, the positive ones are rarely posted.

Unfortunately, no such plans exist. Unfortunately, no such plans exist. Hi found this link. /atlas-america/acute-onset-pre-existing-conditions-coverage/ Would'nt this be helpful for the suggested scenario ? Thank you No, because Atlas America excludes skin conditions, even if it is new medical condition. Look at /atlas-america/visitor-medical-insurance/ What is Excluded? 15. Disease of the skin And please note that even for other diseases, it is only meant for acute onset of pre-existing conditions, something that happens all of sudden and is life threatening. I am not sure whether there would be anything life threatening in skin conditions.

You were provided correct advice. Patriot TRIP Elite is trip cancellation insurance. However, it also provides $50,000 in medical expenses. And it only provides that for first 30 days of the coverage. It must be purchased before departure from home country. You can put the trip cost as $0 (it will take it as minimum $500 internally) while actually applying. Therefore, it can be used to supplement Diplomat plan for first 30 days which only covers up to $1,000 for sicknesses within first 30 days. I hope that answers your questions. Thanks for the clarification. I have one other question--for "supplementing" Diplomat during the first month, would it make more sense to use one of the fixed benefit insurances (like inbound USA) for just the first month? I notice that this option would cost about 130$--compared to the 63$ for Trip ELITE (an increase that I wouldn't mind considering the 1000$ we are paying for Diplomat--*if* it has advantages over Trip ELITE). regards arizonan ps: by the way, I found these forums and your responses to be most useful information on the web in regards to the visitor insurance. 1. No, it would not make any sense, because with Patriot TRIP Elite, you are paying less and getting more benefits, no deductible, no coinsurance. On the other hand, Inbound USA is a fixed coverage plan. 2. Let me clarify Diplomat America benefits. During first 30 days, it covers up to $1,000 for sicknesses. That means, it pays $1,000 and NOT you. In other words, it has only $1,000 policy max for sicknesses within first 30 days of the effective date. 3. Thank you for the kind words. I really appreciate it. We, as a broker, work for you and are here to help you at any time. Please feel free to contact us at any time if you have any other questions.

1. Look at Patriot America at /patriot-america-lite-insurance/ 2. Yes. 3. Pre-existing conditions are generally not covered. There are some plans that cover acute onset of pre-existing conditions, in limited circumstances, up to a very limited amount. Please look at /pre-existing-conditions-coverage-visitors-health-insurance/ for more details. 4. That means that if the person dies from a covered medical illness/accident, the insurance company will pay for sending the body back home. If the person dies from a pre-existing condition, the insurance company will NOT pay for sending the body back home.