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Q:Good afternoon from India. My wife and I are travelling to the US next week for three months and would like to take medical insurance. My wife has a heart condition - Severe MR and she is implanted with an AICD as she is a Cardiac Arrest Survivor. Her cardiac physician has informed us that she can travel to the US. Would her condition be considered as pre-existing. If the policy covers Acute Onset of Pre-existing condition, would any medical emergency for her that involves a cardiac issue be covered under this. Thank you
A:
{{currentOrigin}}/answers/visitors-medical-insurance/heart-preexisting-cardiac-91842/If the illness or injury existed in your body before the start date you can consider it pre-existing and would likely want to consider a plan with the acute onset of a pre-existing condition. An "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires immediate care. The Acute Onset of a Pre-Existing Condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage.
Q:Hello,We are a luxury travel agency based out of India planning an international group trip for our client based out of the US. A group of around 40 US citizens will be travelling to India from Dallas, Texas between Feb 28 2025 and March 8 2025. We are a looking to provide group travel insurance coverage during this trip for all the members in the group. Can you please share the plan details and pricing?
A:
{{currentOrigin}}/answers/group-travel-medical-insurance/a-group-of-around-40-us-citizens-will-be-travelling-to-india-14613/You would be welcome to run a quote in the Group Travel section of the website to see what plans are available to you. If you would like assistance with that please call our office at 1(866)467-8289.
Q:How would a multi trip policy cover a Caribbean cruise with destination includes USA and outside of USA.
A:
{{currentOrigin}}/answers/international-travel-health-insurance/multi-trip-policy-cover-a-caribbean-cruise-with-destination-includes-usa-and-outside-of-usa-27344/Plans are designed to cover you outside of your home country, so if your home country is the US, you would not have coverage while in the US. Please call our office at 1(866)467-8289 for assistance in choosing a plan.
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.
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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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