Help Needed - Buying Insurance for US Travel + Stay

[submittedviaemail]

Hi,

My wife is travelling to US (New Jersey) to visit our relatives with my daughter for 3 months from UK.

I want to buy a Travel + Medical Insurance for them.

Here are there details -
1. My Wife :
Age: 32
Current Medical situation - She has gallstones. She has not had any gallstone attack for last 1 year as she is on a controlled diet. I would like to take a policy that can take care of an emergency rush to the hospital for a pain killer injection in case she gets an attack.
2. My daughter :
Age: 2
Current Medical situation - No medical problems. I need a policy to cover any sort of illness that can happen to an infant.

I am thoroughly confused about which policy should I take for them.

Can you please guide me whether I should go for a Fixed Coverage one or a Comprehensive coverage one? And if there is a specific policy that suits the situation, please advise.

Thanks

[insubuy]

Hello,

Thank you for contacting Insubuy for your insurance needs.

The Atlas America plan would be an option for your traveling spouse. Plans will not cover the pre-existing conditions, but will offer coverage for an acute onset of a pre-existing condition. This coverage may be useful for your wife on her travels.

For more information about this coverage please see the link listed below.

Acute Onset FAQ: https://www.insubuy.com/visitor-insu...ng-conditions/

This plan is a family friendly plans and will cover your daughter at no additional cost with a cover parent on the plan with her. You can use the following link to review the plan and to generate a quote for coverage.

Atlas America brochure & instant purchase link: https://www.insubuy.com/atlasamerica-insurance/

If you need any further assistance please feel free to contact our office.

[submittedviaemail]

Hi,
Thanks for tge quick response.
I like the plan.
They will be in us for a periid of 3 months.
Can you please advise if a policy coverage of $50,000 is sufficient for this period?
Or do I need a higher coverage?
Lastly, I plan to go for a deductible of $100.
Let me know if this is incorrect.
Regards

[insubuy]

Hello,

If it is feasible to purchase a higher maximum amount it is definitely recommended as the medical expenses her in the United States are extremely expensive .

The lower the deductible the less money out of pocket you would be responsible for so we would recommend that as well.