Need visitors insurance for 70+ mother visiting USA

[submittedviaemail]

TO WHOM IT MAY CONCERN

I need to purchase a policy for my elderly mother (70+) who will be visiting the US soon, for about 4 months. She has been here about 7 or 8 times in the past 15 years. I am looking for something quite comprehensive that will cover pre-existing conditions and am prepared to pay for a high premium.

The key point is that I need to *** SEE THE ACTUAL *** under written contract in FULL, to make sure what is covered and what isn't.

I would imagine that I need to speak to someone in person to discuss details. So this is a preliminary inquiry. Do you cover pre-existing conditions? How comprehensive a plan? Can I see a contract ahead of time? Who do I talk to?

Thank you.

[insubuy]

Good morning.

Thank you for your interest in purchasing insurance through us.

As a broker, We provide insurance from most of the major companies in US. For age 70+. You can have max. $100,000 coverage. Insurance will pay for new sickness, injuries or accidents that may occur after the insurance eff. date of the policy . It will not cover any pre-existing or preventive care. However, We have many insurance plans that provides coverage for acute onset of pre-existing conditions upto age 70. For 70+ there are only couple of plan but it has some specific exclusion. Please find more information on acute onset of pre-ex at, https://www.insubuy.com/visitor-insu...ng-conditions/

So before we suggest any plan would like to know what kind of pre-ex conditions your mother has that you are planning to get coverage for.

[submittedviaemail]

Thank you for your prompt reply.

My mother has Alzheimer's. Currently at moderate stage since being diagnosed 2.5 years ago. Sans that, she is in good health. Very recently she went through her routine bi-annual thorough medical check up and everything has remained status quo the past 10 years - very mild BP, cholesterol and artery calcification due to age, in control (past decade) with very low dosage medication. She has always been careful with diet and exercise.

So these are the things I'm hoping to get covered. Not so much preventive care, as she is undergoing treatment, but more for complications that may arise during her stay.

[insubuy]

Hello,

The plans that are available are designed to cover only the new accidents and new illness that occur after the effective date of the policy.

There is not a plan on the market available that will cover the pre-existing conditions for a visitor, it unfortunately does not exist. Please verify the visa type that your mother will be arriving on and we can recommend a plan accordingly.

Meanwhile in addition please find more information about pre-existing conditions and setting expectations using the links listed below.

Setting Expectations: https://www.insubuy.com/visitors-ins...-expectations/


Acute Onset of Pre-existing conditions: https://www.insubuy.com/visitor-insu...ng-conditions/

[submittedviaemail]

You asked me specifically "what kind of pre-ex conditions your mother has" and that is what I responded to. And I also said "Not so much preventive care, as she is undergoing treatment".

I am serious about purchasing a policy. Please don't copy and paste your response

[insubuy]

We don’t write copy/pasted responses. In fact, we routinely provide links to various information on our web site precisely to avoid any copy/pasting of the responses.

Unfortunately, your mother has multiple chronic diseases which are not going to be covered by any short term plans such as visitors insurance, especially for someone 70+.

As we replied previously, visitors insurance will cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. You can purchase them online at http://www.insubuy.com As per your original question, you can *** SEE THE ACTUAL *** under written contract in FULL, next to each plan in a link that says ‘Certificate Wording’.

If you have any further queries, please reply to this email or call our office and a licensed insurance agent would be glad to help you further.