Ask Our Specialists

Medicare is available to a Greencard holder after a few years of being in the US. you can buy a short term insurance while you wait for them to be eligible. you can use the link below to see more information about our bridge plan. Bridge plan: /bridge-plan-insurance/

Please keep in mind that Visitors Insurance plans are primarily designed to cover someone for new illnesses, injuries or accidents that either exist in the body or occur after the policy effective date. They are not designed to cover pre-existing conditions, routine doctors visits, or preventative treatment. Many plans will include coverage for what is called acute onset of pre-existing conditions, which is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously, without advance warning, and that generally requires to seek immediate medical treatment within 24 hours. The final determination on whether or not the situation would meet the acute onset definition will be made by the plans claims department and they will use the medical records and attending physicians statement to determine if the situation is an eligible expense or not. If your father is still in his home country, and you'd like a plan that provides coverage for pre-existing conditions, you may consider the Visitors Protect. In the example you have provided, if the $20,000 is considered an eligible medical expense the plan would pay $19,400 and your responsibility would be a total of $600. You would pay your $100 deductible, and $500 which is 10% of the first $5,000. This is how most plans will work. If you have any additional questions, please feel free to contact our office at 1+ (866) INSUBUY 467-8289.

If you want a comprehensive plan we have Safe travels USA instead. it is a comprehensive plan that pays 90% after the deductible. Safe travels USA: /safe-travels-usa-insurance/

We have plans with cancel for any reason that you can use in case you are denied entry /travel-insurance/

Insubuy is a broker and does not handle or process claims. If you would like to check the status of a claim, you will need to reach out to your insurance company directly. The number to the claims department can be found on the back of your insurance ID card. If you have any additional questions please let us know.

There are plans like Atlas America or Patriot America Plus that offer the Acute onset of pre-existing conditions. This may be what you are looking in for coverage, but to learn more about the acute onset of pre-existing conditions please click the hyperlink to see the article. Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known, expected, or routine treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. It must be purchased before the insured has left their home country, and the sub-limited maximum amount of coverage that is available for pre-existing conditions is $25,000 ($50k, $100k, or $250k policy max available for expenses related to new injuries or illnesses). You are welcome to 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.