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

Q:The applicant is a PhD student in Maryland on F1 visa. She already arrived last week in US. Wants to take a coverage, but no plans shows up and i get this message, Can you please advice what to do. If i change the state to Virginia or if arrival changed to Yet to arrive, there are plans shown.

A:
She may still be eligible for plans under the visitors to USA seccion for the state of maryland. Unfortunately most plans have an exclusion if the insured is physically located in the state at the time of purchase, If you can enter your information in this link we can quote you all of our available plans, /get-travel-insurance-quotes/?presection=visitorUSA
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Q:how do i quote for a multi-trip year for 2025

A:
If you can enter your information in this link we can quote you all of our available plans, /multi-trip-travel-insurance/
{{currentOrigin}}/answers/international-travel-medical-insurance/how-do-i-quote-for-a-multitrip-year-for-2025-80573/

Q:Will I have Medical Insurance if I travel from Caribbean to South Africa? I am a South African resident, but have been living and working in the Caribbean for 10 years. Will be visiting South Africa for 3 weeks

A:
We have plans that are available even if you are visiting your country of citizenship If you can enter your information in this link we can quote you all of our available plans, Travel medical plans: /travel-health-insurance/
{{currentOrigin}}/answers/international-travel-insurance/caribbean-to-south-africa-i-am-a-south-african-but-have-been-living-and-working-for-years-34135/

Q:I am 66 yrs old and my wife is 59yrs , we are expecting to get the green card by July2025 and migrate to Texas. We will have minimal income.What is the best health insurance avilable to us both.thanks

A:
We first want to see what plans you qualify for, If you can enter your information in this link we can quote you all of our available plans. Available plans: /new-immigrant-insurance/
{{currentOrigin}}/answers/new-immigrant-health-insurance/migrate-to-texas-we-will-have-minimal-incomewhat-is-the-best-health-insurance-avilable-to-us-both-35656/

Q:Hello ! Can I buy insurance for 2-3 months initially and then extend it based on my parent's duration of stay . We want to ensure there won't be any gaps, and will the same deductible apply ( we will extend before expiry). If I buy for 6 months , and they stay only 2-3 months can i get refund for the remaining months. I would prefer to extend - please confirm.

A:
Most plans are both extendable and refundable. We recommend ab extensions due to cancelation fees being generally greater,
{{currentOrigin}}/answers/visitors-medical-insurance/hello-can-i-buy-insurance-for-23-months-initially-and-then-extend-it-based-on-my-parents-duration-97105/

Q:I hear not to include the cost of fully refundable expenses, a major hotel.However hotels, as well as Airbnbs, rental cars, etc say you have to cancel within 24, 48 or 72 hours. If something happens while i am on my trip and i am not able to meet those cancellation periods, then my "fully refundable" expenses would be "fully refundable", would they So i am thinking beyond just what is prepaid, i should consider full airfare, and hotels, Bnbs, and rental cars. Does that make sense

A:
You can insure every pre-paid non refundable trip cost incurred in trip cancelation insurance. The expense can be added as long as you can show that you paid for the expense ahead of time and the expense does not provide a refund.
{{currentOrigin}}/answers/travel-insurance/cost-of-fully-refundable-expenses-a-major-hotelhowever-hotels-as-well-as-airbnbs-rental-cars-etc-85130/
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