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

Q:my parents are 97 and 90, if they got sick or died I would cancel my trip, would AirBnB travel insurance refund my AirBnB rental amount?

A:
If you have trip cancelation insurance you would be refunded for all of your pre-paid non refundable trip costs for that trip.
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Q:Which plan covers pre-exiting condition for my father who is born on 15 -AUG-1945, he will 79 years on 15th aug 2025. Will be qualify for any plan since plan says 80 years?. Also which plan offers pre-existing conditions?

A:
The visitors protect includes coverage for pre-existing conditions. the plan is available as long as its purchased before arriving in the US. Visitors protect: /visitors-protect-insurance/
{{currentOrigin}}/answers/visitors-health-insurance/which-plan-covers-preexiting-condition-for-my-father-56877/

Q:After buying insurance when can I file a claim? Do we have any grace period?

A:
Most plans give a 60 day window but may differ, please read the certificate wording of the plan to see how long you have to file a claim.
{{currentOrigin}}/answers/visitors-insurance/after-buying-insurance-when-can-i-file-a-claim-do-we-have-any-grace-period-84620/

Q:We need insurance in US from Jan'25 , does his age 80 to qualify "Atlas America" plan2. what is the coverage difference between "Atlas America" plan vs "Atlas Permium America" Plan3. I want to pay for a plan between Jan'25 to March '25(3 months) , can I extend later to 4 months or If I plan to stay longer . can I extended using the "Atlas America" and "Atlas Premium America" plans like month to month, any additional cost

A:
you can take the Atlas plans however they do not provide coverage for the Acute onset of pre-existing conditions. Atlas and Atlas premium both have the same medical coverage however Atlas premium has more travel coverage. The plans are also Extendable until the total duration reaches 364 days.
{{currentOrigin}}/answers/visitor-insurance/we-need-insurance-in-us-from-jan25--does-his-age--80-to-qualify-atlas-america-23271/

Q:I'm a exchange student from South Korea, finding a waiver plans that match my budget.I'm aware of the fact that i will be staying in the US for 5 months or less, which means I will be exempt from the ACA compliant rule.However, the School strictly requires us to find plans that is compliant to the ACA in order to waive their SHIP.Could you clarify whether the university has the authority to set a rule requiring ACA-compliant insurance, even though such compliance is not explicitly mandated under J-1 visa regulations? Additionally, as a J-1 visa holder, I am wondering if I am subject to this requirement or if there are exemptions that might allow me to meet the insurance waiver criteria without ACA compliance.

A:
If your school has an ACA requirement to attend their program unfortunately you will have to take the insurance provided by them. It is increadibly difficult for a J-visa holder to aquire ACA insurance without a sponsoring organization purchasing on their behalf so most students can only take their schools insurance.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/i-will-be-exempt-from-the-aca-compliant-rulehowever-the-school-strictly-requires-us-27096/

Q:HiI am looking for the actual policy document so that i can check what activities are covered in the comprehensive policy.

A:
you can view what is covered on every plan by clicking on the certificate wording. It is available when making a quote and after purchase in your MyAccount.
{{currentOrigin}}/answers/international-travel-medical-insurance/hii-am-looking-for-the-actual-policy-document-so-that-i-can-check-what-activities-are-covered-39166/
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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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