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Ask Our Specialists

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

Q:I am a master student at American University Washington College of Law. I am an asylum seeker and I have a social security number. Our school requires us to have a health insurance. Unless we have a qualified health insurance, they automatically charge school's one with a big amount of money. I want the school insurance to be waived. So, I need alternative health insurance. Please let me know how much I need to pay if I have it through your carrier. Thank you for your help.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, we don't have any insurance that meets your school requirements. You need to purchase insurance from your school.
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Q:I would like to hire a family insurance plan. I will be a Research Scholar at UMassBoston and I need a plan that fits some requirements according to the information below and the documents attached. Family: 2 adults (45 and 48 years old) 2 children (10 and 12 years old) We need coverage from September 14 (2017) to May 31 (2018). I am looking forward to hearing from you as soon as possible. Your insurance must meet the following requirements: - Major Medical Coverage: $200,000 per accident/illness - Deductible cannot exceed: $500 - Medical Evacuation: $10,000 - Repatriation of Remains: $ 7,500

A:
There are a few recommendations that we can make to meet your Universities requirements for coverage. There is a plan called Atlas Exchange that will meet all of the listed requirements as well as offer options for a pre-existing waiting period of 6 or 12 months your choice. Please use the link for more information about this plan and to run a quote for coverage under this plan. If you have any additional questions please do not hesitate to contact our office for assistance. You can also find additional plans by going to our J1 Visa Health Insurance section.
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Q:I will be a J1 scholar and I need to supplement my Georgetown insurance for a period when they do not cover me. I tried to purchase Medical insurance but I got this message: "If the proposed insured is physically located in the Country of Canada during this quoting session, then the purchase of this policy is prohibited and must be cancelled by clicking the cancel button. Otherwise, please click continue." Am I not allowed to purchase insurance as a Canadian?

A:
As a J1 visa holder you are eligible to purchase the Atlas series plans provided they meet your Universities requirements for coverage. The disclaimer that populates is stating that in order to purchase the plan you cannot be PHYSICALLY located in the country of Canada at the time of application. If you are Canadian citizen but not physically located in the country of Canada as you complete the application you are eligible to purchase the plan. If you need any additional assistance please contact our office .
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Q:Insurance for J2 visa holders. We will need from 9/14/2017 to 5/15/2018. I am 34, my kids: 12, 9, 5 yo. Could you please give me the exact price? The quotes that you gave me before around $1,200-2,000, but mine is around $175 for 244 days. Why the results are different? How come it is happened?

A:
You are selecting that you do not need medical coverage on the online application. The drop down menu stating Medical Needed, needs to read YES as you do need medical coverage. The plan that is populating is for medical evacuation and repatriation only with no medical coverage. Once you make the aforementioned corrections you will get more results. You can also refer to the quote that was sent to you. If you need any additional information please feel free to contact our office.
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Q:Hello, I am trying to purchase short term travel health cover for myself, a U.S. Citizen temporarily staying in Australia, for my trip back to the USA and to Canada. I'm looking at the plan but I have some concerns over wording. I'm hoping you can clarify in writing the terms Residence Country home country and true, fixed and permanent residence. Can you please send me the legal definitions for each of the three terms as you use them, specifically how they would be defined and used in the event that claims need to be made ? I am not a Permanent Resident of Australia; I only have a temporary right to live and work in Australia. I need to ensure I'm purchasing health cover that applies to myself while I am in Canada and the U.S., my country of citizenship and permanent residence. In case the information on your end is needed, I am 26 and will be traveling from 13th of September through the 18th of October (USA and Canada).

A:
You can see the certificate wording of the application plans in our visitors insurance section. This document will have any and all information about the Liaison International plan as it will be the final document in the event of a claim being filed. It will also include the legal definitions specific to the plan. Plans such as Patriot America Plus and Diplomat America are available for a U.S. citizen coming to the United States for a visit that reside outside of the United States. If you need any additional information please feel free to contact our office
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Q:Dear Insubuy You have made some country restrictions. I am from Iran. J1 visa. Does this restriction mean that If I buy insurance from you it will not be valid? Or is it only a mailing address restriction?

A:
Different insurance plans have different restrictions: Some go by mailing address and others by residence address.. Please click on geographic restrictions link next to each plan for details. If you have any additional questions please contact our office.
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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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