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Ask Our Specialists

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

Q:My girlfriend and I are planning to climb Kilimanjaro from the 7th - 14th of July this coming summer, followed by a safar from 14th - 20th July and we would like to purchase insurance for this period. I have looked up your policy, provided by Atlas International, through the online insurance tool and would like to clarify: Is a trek up Mt. Kilimanjaro, altitude of 5895m, covered under the policy? It does not explicitly say whether or not this activity is covered. Thank you in advance for your clarifications.

A:
Yes. You can purchase Atlas International plan. Please feel free to contact us if you have any further questions.
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Q:I am looking for insurance for my parents who are visiting USA. I would like to know if the Atlas Essential America plan includes Dental coverage as well. Or can you please let me know if there is any similar plan covering dental as well?

A:
Atlas America and Atlas Essential America plan are medical insurance. Atlas America plan pays for an acute dental pain $250 while Atlas Essential plan does not cover. Both plan covers dental accident related emergency up to policy max. You can purchase a separate dental discount plan- Careington plan. You can purchase medical insurance from our website. Please feel free to contact us if you have any further questions.
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Q:I would like to know that how much is the emergency room co-payment and the urgent care center co-payment of the Safe Travel USA Cost Saver in cace of $100 deductible.

A:
Thank you for contacting Insubuy for your insurance needs. There is no concept of co-pay with this plan. You will pay out of pocket to meet the deductible and then the plan will pay 80% of covered medical expenses up to the first $5000 then the plan will pay 100% to policy max. If you need additional assistance please feel free to contact our office.
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Q:My wife, aged 53 years, is visiting US, from 28.6.2017 to 27.12.2017. She was treated for Follicular B Cell Lymphoma in throat and she is fully cured now. Her medical expenses were fully covered and paid under a Family Medical Insurance Policy. During her visit to US, if she is subject to any sudden set back on account of the disease earlier for which she was treated and cured, will her medical and hospitalization expenses covered under your insurance ? Kindly advise.

A:
In general, short term plan for an international visitor will cover any new sickness, injuries or accidents that may occur after the eff. date of the policy. However, some plans provide coverage for an acute onset of pre-ex. Conditions. Please find more information at Visitor Insurance Acute Onset-of-pre-ex Conditions. But cancer is excluded in the majority of visitors policies because it is a chronic condition, one that never truly goes away. If any treatment was needed regarding her past cancer diagnosis or any new cancer diagnosis the likelihood is that it would not be covered in any visitor policy because it would have existed before the effective date of the policy whether known or unknown. Please visit our website and enter appropriate criteria. You will find many plans and you can also compare them side by side. If you send us more information like which state she needs coverage will be glad to send you quote by e-mail also. Please feel free to contact us if you have any further questions.
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Q:I am currently an international student looking for an insurance for Penn State University. They have some requirements that my insurance have to meet. I was wondering if you guys had any that could meet this list of requirements.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, you will not find any plan in outside market which meets all of your school requirements. You have to purchase from your school.
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Q:I am a J1 holder arriving in US on 24th May 2017. My program extends till 3 September 2017. Can you suggest me a plan that meets the minimum requirements? - Medical benefits of at least $100,000 per accident or illness - Repatriation of remains in the amount of $25,000 - Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 - A deductible not to exceed $500 per accident or illness. Can you please suggest a plan?

A:
All of the plans in the J1/J2 Visa Insurance section of our website will meet the basic requirements listed. If you would like for us to send a quote from this section then please provide your age, state, and if you are attending school or doing research. You can also contact our office for additional assistance.
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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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