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Ask Our Specialists

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

Q:Coverage of pre existing conditions Dear Sir/Madam, I am planning to travel to the USA shortly. I wanted to ask whether the Patriot America travel insurance covers pre-existing medical conditions or not. If yes, are there any additional charges? I will appreciate a quick response. Thank you. Sincerely,

A:
Hello, Thank you for your interest in purchasing insurance through us. The Patriot America plan does not cover pre-existing conditions. There is no plan on the market that will cover pre-existing conditions for visitors to the US. Some plans do cover the Acute Onset of a pre-existing condition and more information about the acute onset can be found here /visitor-insurance-acute-onset-of-pre-existing-conditions/ You can purchase Patriot America Plus plan which provides acute onset of pre-existing for the age below 70yrs. Patriot America Plus plan information, /patriot-america-plus-insurance/ If you need additional assistance please feel free to contact our office.
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Q:Parents visitors insurance Hi, my parents are visiting USA for 6 months from Match 5th to August 29th, I need to buy insurance for them. My mother is 65 years old and father is 76 years old. Can you please suggest what king of insurance should I be purchasing as I see lot of options.

A:
Thank you for contacting Insubuy for your insurance needs. As you notice from viewing our website there are two different types of short term health insurance plans for visitors either fixed or comprehensive. The fixed coverage plans are more basic, they will be less expensive but they also will only pay a fixed amount for each procedure and you are responsible for the remaining difference. The comprehensive plans will be more expensive, but will actually pay a percentage of the total cost. This is why we would recommend you purchase a comprehensive plan. For your mother I would recommend the Atlas America plan, and for your father the Patriot America or Safe Travels USA Comprehensive insuance. I have emailed you quotes one for your mother, and the other for your father. You may also review the recommend plans by using the links below. You may purchase and receive a plan recommendation over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know. Atlas America: /atlasamerica-insurance/ Patriot America: /patriot-america-lite-insurance/ Update: Now you can also purchase Safe Travels USA Comprehensive Coverage insurance: /safe-travels-usa-comprehensive-insurance/
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Q:Trying to buy Atlas America Visitor insurance I am trying to buy visitor insurance for my sister's family from out of country. I live in State of Washington and my sister's family will visit me and stay with me. While I am putting in the mailing address and I got this message "If the proposed insured is physically located in the State of Washington during this quoting session, then the purchase of this policy is prohibited and must be cancelled by clicking the cancel button. Otherwise, please click next." What exactly does this mean? They are not currently in WA yet, but they will stay with me in WA. Can I purchase the insurance for them or not?

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas America plan for your sister before her arrival in WA state. In short your sister can not be physically located in WA state at the time of application. As long as you purchase insurance before she lands to WA state she will have coverage in WA state without any issue. So you can purchase Atlas America plan for her. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions.
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Q:insurance purchase - Liaison Continent Hello! Me and my fiannce are getting ready to purchase a policy from you, but want to make sure we are buying the right one. we are looking at liaison continent. Can you confirm that this (or recomend a better one) plan is good for his situation, hes an american citizen but a swedish resident. so hes no longer a resident in america. He is visiting his family in america right now and had to make the trip longer due to his dads health. So he is CURRENTLY in america and will need medical short term care there only, for about three weeks. So we want to make sure the plan suits him, as hes in america at the moment and is american citizen but swedish resident. I was also wondering what to write, since it asks when the trip starts , but he already started it, but had to change his ticket. do we simply write under that when we want the COVERAGE to start? thank you alot for the help! sincerely Jessica

A:
Thank you for your interest in purchasing insurance through us. Yes. You can purchase Liaison Continent plan for USC whose home country is outside USA and coming to USA for a short visit. You need to do separate application for USC and Non USC. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ You can start coverage as early as tomorrow or any future date that you specify. In the application it ask arrival date in USA so write the day he arrived in USA and end date you can purchase for 3 wks but for some reason if he needs to extend his trip you can renew the same policy. Please feel free to contact us if you have any further questions. Hello, thank you for your answer! we tested to fill out the quote and info, and it seems to only ask what days we want coverage for, so we will select the days we want him insured for (if this is not accurate please let us know). the only thing we are a bit confused about, is what to write under mailing adress. since hes already in america (at his dads) we want to use the american one, but he is NOT a resident and want coverage for america, so we are unsure if we then should write his actual swedish adress? sincerely Mailing address ask only to mail the card. If premium is more than $150 then you will get insurance card by regular mail. E-mail confirmation you will get anyway once your purchase is complete. So please provide his dad’s address or on whichever address you wants us to mail the card. Application doesn’t ask his home country address. Please let us know if you have any further questions.
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Q:Query with visitor insurance Hi, I am planning to bring over my parents to US on tourist visa, say for a period of 6 months (starting mid March). I would need your help/ advise on which plan suites for the mentioned criteria, Dad- 75 years, already had a bye pass surgery and on medication. Also a known case of blood pressure. Mom - 65 years Please note, I am only keen on insurance just in case if there be an emergency and nothing apart Regards, Allen

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker and offer all of the major plans on the market. Short term health insurance plans for visitors are designed to cover only any new illnesses, injuries or accidents which occur after the effective date of the policy. They will not cover pre-existing conditions, routine doctors’ visits or medications related to a pre-existing condition. However some plan provides coverage for acute onset of pre-existing . More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ There are two different types of plans either fixed or comprehensive. The comprehensive plans will pay a percentage of the cost after the deductible, and most will also have a PPO network available here in the U.S. For your father we would recommend the Patriot America plan or Safe Travels USA Comprehensive insurance and the Patriot America Plus for your mother. Please use the link below to review the recommend plans. You may also obtain a quote and recommendation over the phone by contacting our office at (866) 467-8289. If you have any additional questions please let us know. Patriot America Plus for your mother: /patriot-america-plus-insurance/ Patriot America for your father without any coverage for the acute onset: /patriot-america-lite-insurance/ You can compare these plans at www.insubuy.com Need to get separate quote for your father and mother. Updated 08/15: Insurance for your father- with acute onset of pre-existing benefits up to $25000. Safe Travels USA Comprehensive Coverage Insurance: /safe-travels-usa-comprehensive-insurance/
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Q:Travel insurance for my dad - 80+ Hi, I would like to buy travel insurance for my father, who is at the age of 84. Could you please let me know what type of coverage is available for the pre-existing conditions? It is not clear from your web site what is covered and what is not.

A:
Thank you for your interest in purchasing insurance through us. It’s very difficult to get insurance for age 80+. Insurance will pay for new sickness, injuries or accident that may occur after the eff.date of the policy. However, Below plan provides coverage for acute onset of pre-ex under age 89yrs. Updated 08/15. Safe Travels for visitors to USA- Fixed plan or Safe Travels USA Comprehensive coverage plan will provide max. $25000 for acute onset of pre-existing conditions. Safe Travels for visitors to USA brochure, instant purchase link, /safe-travels-elite-insurance/ Safe Travels USA Comprehensive Insurance brochure, instant purchase link, /safe-travels-usa-comprehensive-insurance/ You can also compare this plans at www.insubuy.com If you have any further questions feel free to contact us.
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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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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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