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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am a dual US/UK citizen currently residing in Austria (I have a residence permit). I'm visiting the US for 10 days and would like health insurance for that period. When I search using this criteria I keep getting a 'no plans' found message. What kind of plan am I eligible for?
A:
{{currentOrigin}}/answers/international-travel-health-insurance/i-am-a-dual-usuk-citizen-currently-residing-in-austria-what-kind-of-plan-am-i-eligible-for-39334/If you are having trouble running a quote please call our office at 1(866) 467-8289.
Q: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?
A:
{{currentOrigin}}/answers/visitors-insurance-usa/visiting-the-usa-from-china-suffered-the-stroke-or-heart-attack-due-to-a-preexisting-condition-22638/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.
Q:I live in the USA and am going on a one-month trip to various European countries. I have already booked non-refundable flights, car rentals, and hotel reservations. Would trip cancellation insurance provide a refund if I miss my flight and cannot check into my hotel due to valid reasons?
A:
{{currentOrigin}}/answers/other-insurance/cancellation-insurance-refund-if-miss-flight-and-cannot-check-into-my-hotel-due-to-valid-reasons-12486/If you miss your flight and it causes a delay on your trip, and it is due to a covered cancellation reason, you may be eligible for reimbursement. To understand what is covered and not covered, it would be recommended to call our office at 1(866) 467-8289 to speak with a licensed agent for assistance.
Q:Hi I currently have health insurance in the US through my employer. I plan to study in Spain and will be unemployed in that period. I'll purchase private insurance for Spain. Please advise if I need health insurance in US also for this period when I'm not living in the US. If I return to US or need virtual assistance from doctors in the US, please clarify how to make sure any minimums needed by ACA are met.
A:
{{currentOrigin}}/answers/international-private-medical-insurance/please-clarify-how-to-make-sure-any-minimums-needed-by-aca-are-met-78073/We do not offer ACA compliant health insurance so we are unable to advise on what may be required of you. It would be recommended to reach out to a tax specialist for that information. We do offer a plan that can cover a US citizen temporarily visiting the US call Patriot America Plus. This plan can offer coverage for any new injuries or illnesses that did not exist in the body before the effective date of the policy. It will not cover preventative care or routine maintenance of any kind, and it will not cover pre-existing conditions with the exception of the acute onset of pre-existing condition. If you have any additional questions please let us know.
Q:Can I get tdap vaccination using my insurance
A:
{{currentOrigin}}/answers/visitor-insurance/can-i-get-tdap-vaccination-using-my-insurance-22101/No, visitors insurance will generally pay for any new injuries or illnesses that did not exist in the body before the effective date of the policy. The plans will not cover preventative care or routine maintenance of any kind. Vaccines will be considered preventative care. If you have any additional questions please let us know.
Q:If people who are visiting to USA have diabetes and blood pressure from past few years. and they took an insurance that has Acute Onset of Pre-existing conditions, and later after few days if they got any issue related to diabetes or blood pressure, will the insurance cover???Also they will need to take insulin on regular basis, can the plan cover the medical expense?Plans considered: Safe Travel Elite, Patriot America PlusPlease do suggest a better plan
A:
{{currentOrigin}}/answers/visitors-health-insurance/diabetes-and-blood-pressureacute-onset-of-preexisting-conditions-80433/Visitors Protect is the only plan that offers coverage for pre-existing conditions for visitors, but it still cannot be known, expected, or routine treatment, so insulin and regular check ups would not be covered under any plan. Patriot America Plus is recommended as it is a comprehensive plan and does offer the Acute onset of pre-existing conditions for ages under 70, but if you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. You can run a quote in the Visitors to U.S.A. section of the website to see what plans are available. If you have any additional questions please let us know.
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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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