Ask Our Specialists
My father-in-law is a drinker and a smoker, who will be visiting the USA from China. He does not get annual physicals, and has not needed to ever see a doctor, therefore I cannot be sure how healthy he is. He has never had a stroke or heart attack, and is aged 63. I plan on having a doctor in China, examine him and I expect he will be certified as fit for travel. If he is certified as fit to travel, and he were to have a serious stroke or heart attack, can I be sure this would be covered up to the policy maximum of 250,000, or would the coverage potentially be limited to 25,000 if a doctor in the USA renders an opinion that my father-in-law suffered the stroke or heart attack due to a pre-existing condition?
Coverage is always going to be determined based of the doctors notes and medical records from the event. We are unable to advise on how the plan will pay based off a future scenario, as we do not have access to the medical record.
If you have any additional questions please let us know.
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.
Search Questions and Get Answers
Type your question or hashtag below or Ask a Question
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Why buy insurance from us?
One stop shop.
Instant Quotes & Purchase for Student, Travel & Visitors Insurance.