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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Can I get one full body check with the insurance

A:
Unfortunately no, The plans we offer are similar to short-term health insurance. These plans are primarily designed to cover someone for new illnesses, injuries, or accidents that did not exist in the person's body before the start date, They will not cover general treatment for pre-existing conditions preventive care, or routine maintenance.
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Q:My wife who is covered under comprehensive insurance suffered breathing problem after arriving in Los Angeles and had to be admitted in an hospital at Valentia. She had undergone surgery to remove the blood clots and was released today. She is prescribed some medicines. The Pharmacy demanded a Pharmacy Insurance card. How would I get that card quickly to buy the medicines with cash less facility?

A:
You can donload the Id card in your MyAccount however be aware that prescription drugs are reimbursment only on all of the plans.
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Q:One of my parents aged 59 years is diabetic, had cancer back in 2007and was treated, no cancer treatment required after that. In 2019she had cardiovascular surgery requiring stent placement. She has been healthy since last 7 years. Which policy is the best ? Also will this be covered under acute onsite of pre existing conditions or preexisting condition

A:
For it to be covered under the acute onset of a pre-existing condition, it needs to meet the following requirements. An Acute Onset of a Pre-Existing Condition is a sudden and unexpected outbreak or recurrence of a Pre Existing Condition 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. We reccomend a comprehensive plan. to see what plans you quialify for, If you can enter your information in this link we can quote you all of our available plans, plans: /get-travel-insurance-quotes/?presection=visitorUSA
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Q:If I buy Vistor Insurance for my 72 year old mother, who is travelling and is in US then after the insurance is bought, after how many days the policy is bought does the insurance starts covering expenses. Also, what is the process to find doctors who accept this Insurance as mostly doctors reject Visitor insurance rightaway on calls when asked.

A:
You can purchase plans that will start coverages from that day. the plans cover as long as the illness or injury did not exist within the body before the start of the plan. Billing is always up to the provider. If the provider chooses to bill you. A claim can be made for reimbursment.
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Q:I need a prescription for a medicine (xulane) . How can know if it is covered under my insurance? Atlas America. I consulted with NURX and I want t know what is my coverage or co pay.

A:
you can call the phone number on the back of the ID card to speak with the benefits department. they can inform you on your coverage.
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Q:It says on the website that Beacon International Plan, PPO Outside USA None. Other providers Yes. Can you please clarify this part Can the clients go to any providers

A:
The insured can still go outside of the US with these plans. It would be considered an out of network service.
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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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