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

Q:I am looking for a travel insurance for my parents who are visiting me in the US soon from Belarus, and I am interested in Patriot America Plus plan but I have a question. My main concern is the coverage of "acute onset of pre-existing conditions" for my father who has Ankylosing Spondylitis. Is there a way to check if this type of condition is covered and what the limits would be?

A:
Thank you for your interest in purchasing insurance through us. Ankylosing Spondylitis will not come underacute onset of pre-existing conditions. Patriot America plus If you provide your parents age, travel dates and which state do you need coverage will be glad to send you quote by e-mail.
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Q:Am taking one doctor and 2 assistants on an Oral Surgery mission to Jacmel,Haiti.We leave from Fort Lauderdale 12/2/2018. We will arrive in Port-au-Prince 12/2/2018.We return to Fort Lauderdale on 12/10/2018. I have contingencies for the common medical situations that may occur.The 3 insured would be young,healthy,no meds,no pre-existings. I am most interested in a plan that would cover a necessary evacuation to Miami. Could you please make a recommendation?

A:
Thank you for contacting Insubuy for your insurance needs. You can purchase the plans in the Travel Health Insurance for Travel outside of the United States . These plans will cover any new accidents or new illnesses that happen after the effective date of the policy. These plans will also include medical evacuation and repatriation coverage. Feel free to contact our office if you need any additional assistance.
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Q:I want to buy Safe Travel for Visitor for my mother who is 76 yr old and visiting USA. She will come to State of Louisiana but eventually moving to state of Georgia. Will the plan be valid in both states?

A:
Yes, Safe Travels USA Comprehensive will provide coverage in both the states. In fact, it would cover anywhere in the US and anywhere outside her home country, which I believe is India. Therefore, it would cover anywhere outside India. If you have any further questions, please feel free to contact us at any time.
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Q:My husband and I travel to Florida annually under a B1/2 visa staying for up to six months. I am a healthy 59yrs and he is 72yrs with mild Atrial Fibrillation discovered 10 years ago and for which he takes a small amount of Warfarin () daily as a prevention. Firstly, should I get separate quotes? And secondly which Plan should I look at for my husband so that he is covered for this pre-existing condition? Your advice asap would be gratefully received as we travel on the 28th of this month and I am very confused by some of the Insurance terminology.

A:
Thank you for contacting Insubuy. We do not have a plan that will cover pre-existing conditions or any maintenance visits. Plans are designed to cover the new accidents and new illnesses that happen after the effective date of the policy. Some plans will cover what is called and Acute Onset of a pre-existing condition which is a sudden and unexpected out break or reoccurrence of a pre-existing condition that occurs spontaneously without any advance warning. It is something that is rapidly progressive and requires treatment within 24 hours of the onset symptoms. This is the only instance that could potentially be covered as it relates to the pre-existing conditions. In order to better understand this coverage please review the FAQ link listed below for better understanding . You can use the following link to review the plans. Visitor to the USA: /visitors-insurance/ Yourself and husband would need to quote separately for coverage. If you can provide your country of citizenship, dates of coverage and the state that you will need coverage in we will be happy to assist you. If you need any additional clarification please contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/visitor-medical-coverage-for-pre-existing-conditions-with-different-age-groups-72939/

Q:My brother and I are going to climb Kilimanjaro in January and want to take out travel insurance for summiting to the top. I hear that this can be classified as an extreme sport which your company covers.

A:
Thank you for contacting Insubuy. Unfortunately, we do not have a plan to provide coverage to Mt. Kilimanjaro for a non-US resident. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/travel-health-insurance/non-us-resident-coverage-for-mt-kilimanjaro-50061/

Q:I was seeing the application for Patriot International Short-term travel medical insurance for individuals and families and it asked me the date of return to residence country. But I am going to India and then US. So is it fine if i put date of return as date when I reach India?

A:
You can put the return as the date you would like the coverage to end. You can purchase it online at Patriot International Insurance Please let us know if you have any further questions.
{{currentOrigin}}/answers/schengen-visa-insurance/schengen-insurance-end-date-89140/

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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Why buy insurance from Insubuy?

Same Price. Better Service.®

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.

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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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