Ask Our Specialists

If your wife is already pregnant, there is no plan that will cover her pregnancy. If you would like to know about the plans that exclude pregnancy, please let me know. That seems to be the case with any of the plan’s I’ve found. But can I get coverage for My family and my wife EXCLUDING the cost of delivery and any other pregnancy related costs? Could I get my wife covered for broken limbs, flu, and things of that sort? Also, does it matter whether or not my family members are citizens of the US? Yes, it matters that some persons are US citizens. If your wife is pregnant, she can't get the GMI policy (that you mentioned in your original email), even for accidents. All of you can buy the policies listed at /travel-health-insurance/

If you are going to buy at least 3 months up front (and pay for at least 3 months upfront), you should buy Patriot America. If you are going to buy month by month (or any initial duration shorter than 3 months upfront), you should buy Protection America. You can buy either of these plans online at /visitor-insurance/ Please feel free to contact us at any time if you have any other questions. Thank you for the very prompt reply. When I read the details of benefits in the given link: I could not really see the difference.But I see that the charges r more for protection america.In your experience,Could let me know which would be the best choice in terms of services and benefits.That will be greatly helpful to decide. Thanks The difference is just what I wrote in my previous email. It is about the renewability and minimum initial purchase. The service and benefits are the same as they are from the same company. Are you willing to pay at least 3 months premium upfront? If so, go for Patriot America. Otherwise, go for Protection America. Please let me know if you have any other questions.

Both are excellent plans. You can choose either one, available at https://www.insubuy.com Sorry I have some questions, I read the disclaimer part, which stated that "Lloyd's operates as an unauthorized insurer in all states of the United States except Illinois and Kentucky, where they are admitted. As such, claims under the insurance products described in this website may not be made against any state guaranty fund." Could you explain what it means? Thanks a lot That just means that Lloyds is not regulated by individual state governments in the US. That only occurs in a typical domestic health insurance company. e.g. Blue Cross Blue Shield of Texas is licensed by Department of Insurance in Texas, does business in Texas, with the citizens and residents of Texas, for using the insurance while they are in Texas. Therefore, BSBS-Texas is regulated by Texas State Government. Just in an unlikely event, for example, if BCBS-TX were to go bankrupt or something, Texas State Government may try to pay the claims from state guaranty fund. You are not a resident of any particular state in the US, and you are just visiting the US temporarily. Therefore, Lloyds does not need to be regulated by any particular state in the US. Therefore, everything is OK. I hope that answers your question. If you have any other questions, please feel free to contact us at any time. Hi, Thank you for the explanation... If I want to buy a plan for me & my 1 year old son, so I can just buy 1 plan plus dependent child, right? How the coverage would be? Is it up to policy max for us both, or for each of us? The coverage (policy maximum) is per person, the deductible is person. In Atlas America, as long as one parent is buying, one child below 9 years is free.

For $50,000 and $100 deductible, it would cost $55 per person per month. Therefore, it would cost total $660 for two of you for 6 months. You can buy it online at /visitors-care-insurance/ Please feel free to contact us at any time if you have any other questions.

No, you are NOT eligible for Study USA. You have to buy the plans located at https://www.insubuy.com

Yes, you can purchase it online at /patriot-america-lite-insurance/ Alternatively, you can give us a call. Either way, it is the same procedure and the same price. Whatever you prefer. Please feel free to contact us at any time if you have any other questions. Sorry to bother you again. I am a little puzzled as to why Protection America premium is greater than Patriot America for the same coverage. From the comparison, it looks like Patriot America is better in that it offers the 90/10 basis. From the forums and discussion I figured that both of them are the same and offer same benefits. Could you please advice. Read the dialog box message that pops up when you visit /patriot-america-lite/medical-insurance/