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Ask Our Specialists

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

Q:My father has start of start of cataract (very very initial phase) if he visit USA and it goes bad , is eye treatment for cataract is covered in comprehensive insurance (BEACON AMERICA)

A:
No it will not. Visitors insurance will generally pay for any new injuries or illnesses that did not exist in the body before the effective date of the policy. The plans will not cover preventative care, routine maintenance of any kind, and they will not cover pre-existing conditions with the exception of the acute onset of pre-existing conditions coverage available on some plans. Additionally, no visitor plans will cover any vision or eye related surgeries or treatment. If you have any additional questions please let us know.
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Q:PLEASE HELP ME IN CHOOSING COVERAGE

A:
If you would like assistance choosing a plan, you are welcome to call our office at 1 (866) 4367-8289 to speak with an agent. If the person you are purchasing the insurance for is on a B1/B2 visitors visa, and you want to see all the plans that are available to you, you can run a quote in the Visitors to U.S.A. section of the website.
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Q:Visiting USA for 180 days from 22nd May 2024 pl. quote with copayment

A:
If the person you are purchasing the insurance for is on a B1/B2 visitors visa, and you want to see all the plans that are available to you, you can run a quote in the Visitors to USA section of the website. If you have any additional questions please let us know.
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Q:I am from India and want to purchase insurance that covers all the requirements for the J1 VISA. Kindly let me know whom to contact. I would appreciate it if I could get a sample certificate mentioning all the coverages.

A:
You are welcome to run a quote in the Exchange Visitors (J1/J2) section of the website. All the plans in this section will meet the standard J1 visa requirements and have sample visa letters in the "view more" tab on every plan. If you have any additional questions please let us know.
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Q:My cousin is planning to visit us in May-Jun 24. He is 54 years of age and has hypertension. He never had any heart related problems. Would the insurance cover him for heart attack / ailments during this trip. He is planning to be in US for 17 days

A:
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 start date. They are not designed to cover someone for pre-existing conditions, routine doctors visits, or preventative treatments. There are many plan options that will provide coverage for an acute onset of pre-existing conditions, which is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs suddenly, occurs without any prior symptoms or warnings, and request urgent medical treatment, usually within 24 hours. The final determination on whether or not a situation falls under this acute onset definition is made by the claims department. The Visitors Protect plan is the only option that includes coverage for unexpected situations that arise due to a pre-existing conditions. This plan must be purchased while the insured person is still in their home country. If you have any additional questions or need further help, please let us know.
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Q:I need to know the list of urgent care or hospitals which accept certain travel insurance or within network

A:
Depending on the plan. when you make a quote you will see a link to the list of providers in your area.
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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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