Visitors medical insurance from USA vs India

[insubuy]

You can renew Inbound Guest up to a total of 180 days, as long as you renew before it expires.

Once it expires, you can immediately or later buy another policy (same one or different) but it will be considered a new policy. Rates will not be affected but any medical condition that occurred before the effective date of the new policy will be considered as pre-existing conditions.

[moovintousa]

Question about 6 month+ visitors insurance

You can renew Inbound Guest up to a total of 180 days, as long as you renew before it expires.

Once it expires, you can immediately or later buy another policy (same one or different) but it will be considered a new policy. Rates will not be affected but any medical condition that occurred before the effective date of the new policy will be considered as pre-existing conditions.

Hi
I will be in USA with my wife and Infant (1 year old) for about 7 months.
I think I will need a comprehensive plan.
Do comprehensive plans cover normal visits for children(Vaccinations, checkups etc.,). For adults of course we will visit only if we are ill, but for babies regular checkups and vaccinations are required. Can you guide please on how to choose. Budget is about 1000$/6 months.

[insubuy]

1. You can purchase either https://www.insubuy.com/atlasamerica-insurance/ or https://www.insubuy.com/patriot-america-plus-insurance/

You can buy together or separate. There is no price difference either way. But if you buy separate, it gives you more flexibility in terms of renewing/canceling for one person.

2.
No. Because the short term plans are not medically underwritten.

3.
Both the plans I mentioned above participate in PPO network where the providers can bill directly.

4.
No. As long as you are insured, you are using the insurance. Please read https://www.insubuy.com/visitors-travel-insurance/

5.
Insurance can start as early as the next day or any future date you specify. Therefore, if you buy few days ahead, that should be fine.

Please let us know if you have any other questions.