Visitor insurance for 70+ parents

[submittedviaemail]

My mother (70 years old) and father (76 years old) are going to visit me here in Florida from China soon. They will stay not more than 6 months. What is my best (most cost effective) option of a short-term insurance plan for them? How will pre-existing conditions be determined? Thanks.

[insubuy]

The best plan is Patriot America, available at https://www.insubuy.com/patriot-america-insurance/

Regarding pre-existing conditions, please look at https://www.insubuy.com/visitor-medi...ng-conditions/

[submittedviaemail]

What are the examples of non-preexisting conditions that are covered by the insurance, excluding accidents? It appears to me that for people over 70 almost everything could be considered as preexisting.

[insubuy]

Cold, flu, fever, diaherea, pneumonia, stomach upset, food poisoning, insect bite, snake bite, falling down the stairs, falling in the bathroom, acute infection etc. are some of the examples of new sicknesses.

Please let me know if you have any other questions.

[insubuy]

It may or may not be considered pre-existing condition. It all depends upon the attending physician's statement and medical records.

[submittedviaemail]

Is there any accident plan (just covering accident related injuries such as car accident, slip & fall, etc) available for foreign citizens?

[insubuy]

Accident only plan is "WorldMed Lite", which is available at https://www.insubuy.com/worldmed-insurance/

[submittedviaemail]

Is Liaison Majestic a good plan? Is the $3000 pre-existing overage worth considering? Thanks.

[insubuy]

Yes, Liaison Majestic is a good plan.

It provides up to $200 for every night spent in the hospital for heart attack or stroke occuring because of pre-existing condition, subject to $3,000 maximum. In my opinion, that kind of coverage is minimal when something major like heart attack occurs.

[submittedviaemail]

$3,000 coverage is not much. But does it have the advantage that we will only have to pay neogotiated price for the uncovered part and emergency evacuation is covered? Whereas when there is no preexisting coverage at all, then we have to pay higher (non-negotiated) hospoital bills and no emergency evacuation coverage?

[insubuy]

$200/night is a flat indemnity benefit. There are not network negotiated fees as the claim is not considered covered claim. And there are no other benefits like emergency evacuation etc. as part of it. Therefore, $200/night is all you get and no other benefit.

Read https://www.insubuy.com/atlasamerica...ions-coverage/ for more details.

In short, as I described to you earlier, there is really no solution for pre-existing conditions for visitors to the US. You need to make a decision whether you are willing to take the risk yourself (for pre-existing conditions) before you decide to invite them.

[submittedviaemail]

Is Patriot GoTravel America a good plan? What's the restrictions I should know? Is it available in Florida? What's the best plan for Florida?

[insubuy]

Patriot GoTravel America is available in Florida. It does not cover emergency medical evacuation, repatriation of remains, injury to teeth in an accident and loss of checked luggage that are covered in Patriot America.

If you want $100,000, go for WorldMed.

[submittedviaemail]

Is WorldMed going to be affected by the financial problem of AIG?

[insubuy]

No.

Whatever problems that are there are with the corporate AIG.

However, WorldMed is insured by "The Insurance Company of State of Pennsylvania" which a subsidiary of AIG and is separately funded. And that company is not affected like the corporate AIG.

If that were really a problem, we would have taken off AIG products as soon as those particular problems started.

I hope this answers your questions.