A. As long as you are non-US citizen, there are several international insurance major medical plans will cover you both in the US and Worldwide indefinitely. The brochures of these plans can be found on our website www.worldwidemedicalplans.com/listofplans.htm

A.   Each year, millions of people travel outside of their home country. While many of these travelers have medical insurance in their home country, rarely do such policies provide adequate coverage abroad. A great majority of these travelers are concerned with the potential out-of-pocket expenses that could result from an injury or sickness during their travel. International travel medical insurance is designed to offer medical coverage and emergency services to individuals and families while traveling outside of their home country. See Travel Medical.

A.  No. Page two of all U.S.A. passports explicitly states that you should check your coverage before traveling outside the United States as many plans, including Medicare, do not provide coverage outside of the U.S.A. The payment of hospital and other medical expenses incurred while in another country are the responsibility of the traveler. The U.S. State Department has issued the same caution to U.S. citizens traveling or living abroad. Furthermore, medical supplement plans only pay after Medicare pays, and therefore are useless for expenses incurred outside the United States. The International Medical Plans we offer  were created to solve these problems by providing coverage anywhere in the world to persons traveling or living outside of their home country.

A.   It certainly can be. That's why it is important to know who you are dealing with. The Internet can
be at best impersonal and in the worst case scenario a mask of anonymity for disreputable types.
But when you deal with Sunburst Worldwide Insurance Services and the fine administrators and underwriters with whom we are affiliated, you are dealing with solid companies of the highest reputation. You are not just a number to us. You are a human being with real needs and real concerns. Nor are we just a website out there somewhere in cyberspace. We have names and faces. We tell you who we are. And when you have questions, you can call and talk to a real live (and very caring and exceptionally knowledgeable) person. Furthermore, we will follow up  with old fashioned personal service. We want to do all we can to assure you of a safe, enjoyable and worry-free travel experience.  
See About Us and About Our Underwriters.

A.  This is one of the major concerns of many travelers. Happily, many plans that we offer include 24 hour Crisis Assistance Services through the world's top crisis assistance organizations. While the specific provisions vary from plan to plan, they generally include such features as 24 hour telephone contact for medical emergencies, assistance in locating medical care, relaying messages to family and employer during medical emergencies, and even arranging telephone conferences between your attending and home physician. See Crisis Assistance.

A.  Many of the plans we offer include emergency medical evacuation services from medically underserved areas either to your home country or to the nearest medical facility properly staffed and equipped to give you the proper care. Our international crisis assistance teams will make all necessary arrangements. See Medical Evacuation.

A.   Provisions are available in many plans that we offer for what is termed Return of  Minor Children. This means that should a minor child be left unattended due to the hospitalization of an insured person for a covered illness or injury, the plan will arrange and pay for the child's return fare to their home country, including the cost of an escort, if necessary to assure the safety and welfare of the child.
See Return of Children Coverage.

A. Yes. Some of our plans offer optional coverage for hazardous sports as well as other high risk activities. See Sport Coverage from the following plans: Atlas Travel Series, Patriot Sport Extreme, Patriot Travel Medical Insurance, Liaison International

A. Practically, there are no medical insurance plans will cover the expenses related to a pregnancy within the first 12 months of coverage. A pregnancy which occurred prior to the effective date of coverage also is considered a pre-existing medical condition.

A. "Would Have Caused" can be understood to mean a condition for which the insured person WOULD HAVE SOUGHT medical advice, diagnosis, care or treatment if that person HAD BEEN ALREADY in the United States and was ALREADY COVERED BY INSURANCE. Plainly put, if the insured person has a known medical condition and is purchasing the insurance and traveling to the United States for the express purpose of seeking medical advice or treatment, you can be assured that the insurance company will not cover that condition.

A. Any travel medical insurance, such as LIAISON INTERNATIONAL, ATLAS AMERICA, PATRIOT TRAVEL INSURANCE, will be suitable for a short-term coverage. Most pre-existing medical conditions will be excluded from the coverage.

A: When you submit a claim under any insurance plan relating to what you claimed is a stable pre-existing medical condition, the claim department of insurance company will investigate to verify the validity of your claim. This process will include contacting your doctors and hospitals and obtaining all relevant medical records. If, as you say, your conditions are indeed stable, and your doctors and medical records confirm that, you should have no concerns.
The claim procedure will be the same in all cases and for all policy holders.

A: The premiums of all insurance plans are not negotiable.

     The answer to all of the above questions about pregnancy is the same as below:
     A: If you are already pregnant, it is too late to get medical insurance coverage for your pregnancy. No reputable insurance companies will offer medical insurance coverage for pregnancy and childbirth until you have been enrolled in their International Major Medical Plans  for at least 12 continuous months of coverage before the maternity benefits starts .

All International Travel Medical Plans do not cover Pregnancy expenses or Illness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Accident.

      Q: My wife is 3 months pregnant. Will you cover my wife's pregnancy and childbirth if I'm willing to pay higher premium?

      A: The premiums of all insurance plans are not negotiable.

Bon Voyage!
Haben Sie eine sichere Reise! Abbia un viaggio sicuro!
ˇTenga un viaje seguro! Ayez un voyage sűr! Have a safe trip!

  If you have any questions, please contact our friendly specialists.

877-211-3654 or 559-294-0316

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