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Ask Our Specialists

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

Q:I have read about Student Secure Elite Insurance. Can you confirm that as a short-term scholar (arriving with J-1 visa) I am eligible to purchase it? Moreover I will need you to sign the compliance form attach to this email. Will you sign it when I will purchase the insurance? Could you please carefully read it and confirm that policy will meet all the requirements? Please find the compliance form attached to this email or it can be found on Stanford's website: https://vaden.stanford.edu/sites/default/files/insurance-coverage-certification_fy18_0.pdf

A:
Yes. You can purchase Student Secure ELITE plan. Once you purchased the insurance send us the waiver form with your information like name, dob, signature etc. then our compliance dept. will sign it and send it to you by e-mail. Please feel free to contact us if you need any further clarification.
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Q:I am a kidney transplant patient (have received a kidney from my mother in 1999), and soon will be a resident of Baton Rouge , Louisiana because of my spouse. Of course being a chronic kidney patient, my concern is being submitted for emergencies due to side effects of my medication that cause dehydration and similar minor complications . I also know that healthcare without any coverage in the US is very expensive. I would like to consult how I can receive a affordable health coverage with a preexisting (chronic kidney failure) like mine?

A:
We provide short term insurance and it will not cover any chronic pre-existing conditions for a new immigrant. You can enroll under Obamacare plan. It will be expensive but insurance will cover pre-existing without any limitation.
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Q:Hello, I am a J1 visa holder and I have 2 dependents (as J2), my husband and my son. Our medical insurance is covered by the institution I am working. All 3 of us need only medical evacuation and repatriation insurance starting today (09.26.2017) for 10 months (until 07.26.2018). May I please learn which is the best program for our needs and how I can apply? Thank you for your help.

A:
There is a plan called Atlas Medevac that will cover you for medical evacuation and repatriation. Please use the link for more information about this plan and to generate a quote for purchase. You can purchase this plan online but if you need any assistance please contact our office. If you need any additional assistance please contact our office.
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Q:I am an international student (F1 visa) and I have been in the U.S. more than 5 years ago. My school (Fashion Institute of Technology) requires me to have an insurance plan that is ACA compliant.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, we do not offer ACA compliant plans to students. Generally the only way to get an ACA compliant plan is to purchase the plan from your school. If you have additional questions please feel free to contact our office.
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Q:Hey, I was looking to buy insurance through here, but I am not sure which one would fit me needs, as I need this specific requirements fulfilled. The minimum health insurance coverage as determined by the Department of State is as follows: A maximum deductible of U.S. $500 per accident or illness. Payment of at least 75% of covered expense Medical benefits of at least U.S. $100,000 per accident or illness. Repatriation benefits of at least U.S. $25,000. (Automatically enrolled in United Healthcare Global) Medical evacuation benefits of at least U.S. $50,000. (Automatically enrolled in United Healthcare Global)

A:
We have many plans that meets your school insurance requirements. You can purchase Atlas Exchange plan with 6 or 12 months pre-ex. You can compare this plan with our other plans at our J1 Visa Health Insurance section in our website. Please feel free to contact us if you have any further questions.
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Q:Regarding the Atlas MedEvac plan,I have two questions: 1- I am a non-US citizen. In the coverage area of your quote estimator the arrow only shows "United States only" I cannot choose anything else. But I think I need to write "worldwide, including the US". How will I do it? 2- Is this plan covers - repatriation of remains in the amount of $25,000 and - expenses associated with the medical evacuation of the exchange visitor to his/her home country in the amount of $50,000 for me and my family (my husband and son)?

A:
1. In order to be eligible for evacuation benefits injury must occur in US and after that evacuation can be done at home country. That's why coverage area gives option only US. 2. Yes. It provides coverage for $50,000 medical evacuation, $25,000 repatriation of remains. You can read policy wording at Atlas MedEvac PDF. You can purchase Atlas MedEvac on our website or give us a call at (866)INSUBUY and will be glad to process the application over the phone. Please feel free to contact us if you need any further clarification.
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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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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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