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Comprehensive visitor insurance for mother

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  • Comprehensive visitor insurance for mother

    Hi... my mother is traveling to the US on April 23rd and returning on May 8th. I am looking to buy a comprehensive medical insurance for her. Could you please guide me about the best plan to buy for the duration mentioned? She is an Indian citizen and her age is 62. Thanks.

  • #2
    Hello,

    Thank you for contacting Insubuy for your insurance needs.

    Please provide the state she will be visiting and her visa status so we can recommend a plan. You can also call our office for more assistance.
    Thanks & Regards
    Insubuy
    Toll Free: (866) INSUBUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: http://www.insubuy.com

    Comment


    • #3
      She'll be in Atlanta, Georgia and for 5 days, we'll be in Vancouver, Canada.

      Her visa is B1 type tourist visa.

      Thanks

      Comment


      • #4
        You can purchase either Atlas America or Patriot America plus plan which will provide her coverage in US and Canada.

        We have sent you quote by e-mail. Please check your e-mail.

        You can also get quote online at www.insubuy.com

        Please select coverage area international including US and other appropriate information. You will find many plans and you can also compare them side by side.

        Please feel free to contact us if you have any further questions.

        Have a great day!
        Thanks & Regards
        Insubuy
        Toll Free: (866) INSUBUY
        Local: (972) 985-4400
        Fax: (972) 767-4470
        Website: http://www.insubuy.com

        Comment


        • #5
          Hi

          Thanks for the quote

          Could you please send me a comprehensive policy quote only.

          By comprehensive I mean, that there shouldn't be any limits on individual chargeable heads and insurance should cover everything upto the overall policy max. The policy max I want to choose is $50,000.
          Does such a policy exist for someone at her age (63+)?

          Also I am looking for zero deductible and 100% pay within the insurer network of hospitals and clinics.

          Could you tweak your quote as per these requirements and send me a revised plan?

          Thanks

          Comment


          • #6
            We have sent 4 comprehensive plan quotes for $50K.. Each plan has details section which explain how plan works with example and you can also compare them side by side.

            Our system by default send the quote with $250 ded. But there is dropdown box for deductible. You can choose whatever ded. You want and you will get quote immediately with ded. Option.

            If you have any questions while comparing the plans feel free to contact us and will be glad to explain you the difference.
            Thanks & Regards
            Insubuy
            Toll Free: (866) INSUBUY
            Local: (972) 985-4400
            Fax: (972) 767-4470
            Website: http://www.insubuy.com

            Comment


            • #7
              Hi
              So I had a few queries
              1. What is the major difference between the Atlas America and Atlas Premium America Plan, that the difference in the premium rates of the two plans is almost $50 at zero deductible? I looked at the benefits page for both and they almost give out the same details except for 1-2 things like Trip Interruption, Natural disaster etc.
              2. In Atlas America comprehensive plan with zero deductible, the premium cost is $95.04. Does this include all costs and taxes?
              3. My mother shall be reaching back India on the intervening night of May 9th and 10th, just after midnight. She'll be leaving US on May 8th. Should I also be including an extra day (May 9th) to the plan to cover for any situations during her travel including a stopover at Amsterdam? Does this plan cover situations outside US, during the return travel?
              4. I have heard a lot of cases where Atlas plan has refused to pay for treatment on the basis of pre existing condition clause or the acute onset clause interpretation. Could you make me understand how both these clauses can lead to denial of insurance cover?
              Thanks

              Comment


              • #8
                Answer for your questions below:

                1. The major diff. between the Atlas America and Atlas Premium America is co-insurance. Fast comparison link,
                https://www.insubuy.com/compare/atla...ica-insurance/
                2. Whatever premium you get online that is final premium.
                3. This plan will provide coverage worldwide excluding her home country. Coverage starts by 12:01AM EST and ends at 11:59PM EST. So if you want to cover travelling time you can add one day extra.
                4. This is a short term plan which covers new sickness, injuries or accidents that may occur after the eff. date of the policy. Insurance will not pay for any routine maintenance, pre-existing or preventive care. However, plan covers acute onset of pre-ex for the age below 70yrs. Please find more information on acute onset of pre-ex and very good FAQ at, https://www.insubuy.com/visitor-insu...ng-conditions/

                As a broker, We work for you NOT for any particular company. So in future if you have any issue related to claim feel free to contact us. We are not involved in day to day claim because of HIPPA rule. But if the claim reject and it’s legitimate claim insured person can give us authorization and we will be glad to look into claim also.

                Please feel free to contact us if you have any further questions.
                Thanks & Regards
                Insubuy
                Toll Free: (866) INSUBUY
                Local: (972) 985-4400
                Fax: (972) 767-4470
                Website: http://www.insubuy.com

                Comment


                • #9
                  Hi

                  I had lost track of this mail and just today I re-read it and decided to go ahead and purchase a travel insurance plan for my mother.

                  So I have decided to purchase Atlas America Comprehensive Plan for $50K with '100/0 Coinsurance' and $0 deductible. It shows me the purchase price at $100.98. Just wanted to quickly clarify on a couple of things:-

                  1. I have filled the dates of her stay here in US from Apr 23rd to May 9th... She leaves the US on evening of May 8th... and arrives back in India around the midnight between May 9th -May 10th. Does this policy cover her international travel till the midnight of May 9th - May 10th?
                  2. A 100/0 coinsurance and $0 deductible would mean that the insured person is not supposed to pay anything during a medical emergency except for whatever is beyond policy max of $50K... is it right?
                  3. A comprehensive coverage means that there are no sub limits to individual heads like room charges, X-ray etc.. everything is covered up to a policy max amount... is that correct?
                  I hope you don't mind as I am just seeking clarification on these things just to avoid any misinterpretation of the policy details by me.

                  Thanks

                  Comment


                  • #10
                    Answer for your questions below:

                    1. Coverage starts from 12:01AM EST and end also at 11:59PM EST. So if she is leaving on may 8th you can have coverage up to may 9th to cover the travelling time. That means she will have coverage on may 9th until 11:59PM EST.
                    2. Your understanding is correct. As long as you go in the PPO network. But for pharmacy there is no network. So it’s considered as out of network. That means out of network insurance will pay 80% you need to pay 20% for first $5000 of medical expense. So if something major happens and if you go out of network. Max. out of your pocket will be deductible plus 20% of first $5000 of medical expense. Please read how plan works with example, https://www.insubuy.com/atlas-americ...ors-insurance/

                    3. That’s correct.

                    Benefits of Atlas America plan, https://www.insubuy.com/atlas-america/travel-insurance/

                    Please feel free to contact us if you have any further questions.

                    Have a great day!
                    Thanks & Regards
                    Insubuy
                    Toll Free: (866) INSUBUY
                    Local: (972) 985-4400
                    Fax: (972) 767-4470
                    Website: http://www.insubuy.com

                    Comment

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