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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:My family are in the process of arranging to move to Utah for both of my daughters to undergo Oral Immuno Therapy to treat their allergic conditions. We are NOT expecting any insurer to pay for this treatment. We will be paying for the treatment course our selves. We have been applying for various traveller's insurance in Australia using our local major providers (such as Allianz international etc), however, I have not come across any traveller's insurance that will cover a claim "arising from" undergoing medical treatment in the USA. Most policies explicitly exclude this. Therefore, I am researching USA based providers. Can you please advise if there are any health insurance providers in the USA, that offer coverage for a claim that arises from undergoing elective medical treatment for a pre-existing condition? In my daughters' case it would be food allergies / anaphylaxis.
Q:If cancellation is done a day before the policy start in the Patriot America Plus plan, then would a full refund be done?
Q:I am looking at the schedule of benefits for the Safe Travel for Visitors to the USA plan and am not understanding. For an example it say for physical visit, up to $115 per visit etc.. similarly for inpatient/outpatient lot of details are there. What are these when per incident deductible is 0?
Q:I want to buy medical insurance for my parents (67, 66 years old) who are Indian citizens and traveling to Singapore for a month (Dec 18-Jan 16) Could you please help to clarify a few questions I have, so that I can buy the best suited plan for them by Monday, Dec 16. 1. I want a plan that covers pre-existing conditions and any hospitalization arising out of or in relation to the same. So any acute onset or life threatening medical situation. Cover to be policy max or at least 100,000 2. Policy cover of 300,000 - 500,000 and one time deductible of 250-300. 3. Any medical conditions that are excluded under the pre-existing list that we need to be aware of? My parents have well controlled conditions and both are on medication for cholesterol and diabetes. Please let me know the top three policies that are best suited for Singapore travel. Any other key differences or points to know about these policies to consider and make a decision at the earliest.
Q:My son is a US citizen and is a student in a university in California. He is visiting India for 20 days vacation between Dec 3rd week to Jan 1st week Please suggest a insurance while in India
Q:My brother, father, and nephew will depart Harare by private 4x4 vehicle keeping to main roads on 01/02/20 travelling via Mozambique, Malawi, and Tanzania to Mount Kilimanjaro. They plan on trekking up Kilimanjaro starting 01/07/20 to summit and descending on 01/12/2020. Returning to Zimbabwe via Zambia arriving Harare 01/17/20. They should all return to Harare by 01/09/2020. Do you have a plan that could cover them on their journey?
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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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