Hi, I'm interested in buying the VisitorSecure insurance by HCC MIS. However, it says on your website “ Not available for purchase to a resident of New York (NY), Maryland (MD) and Washington (WA) states." I live in New York states, and I'm planning to buy for my parents who are now in China. And I would like to pay by my credit card that has my billing address of New York state. For my situation, am I eligible to purchase this insurance for my parents? Thank you.
While VisitorSecure does have state restrictions, you can still purchase the plan with your parent’s home country address at any time. It is also worth noting that if you are purchasing the plans before they arrive in the U.S., you can still use the New York address accordingly. When you select New York as the state, the application will ask if the insured has already arrived in the U.S., If the answer is yes, then you can use their home country address. In either situation, you can use any credit card with any billing without issue.
That being said, you may also consider a very similar plan- Safe Travels for Visitors to the USA, which does not have any state restrictions at all.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else