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Ask Our Specialists

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

Q:J1 and J2 maternity insurance I am going to join at University of Illinois (UIUC) from March 2016 with J1 visa as a postdoctoral research associate position. My wife and Son will accompanied me with J2 visa. We can stay in USA for two years. Right now my wife has got pregnancy. I had talk with several of my friends living in US. Someone said delivery of baby in US is free and other said its quite expensive which is difficult to pay without insurance. In this connection I like to take family insurance including maternal coverage from your company. In this regard I solicit your kind help and advice. Actually you know Bangladesh is a poor country and its not possible for me to cover the maternal expenses. Does your company has any suitable plan for the students especially from Bangladesh? Any feedback would be appreciated highly.

A:
Thank you for contacting Insubuy for your insurance needs. In order for us to recommend the appropriate plan we will need more information. Does your University have any specific requirements? If so, please send us your requirements as a PDF attachment. You may also receive a plan recommendation over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know. Thank you for your kind reply. The university of Illinois does not recommend me for any specific requirements regarding insurance. As per Univ. policy the J1 visa holder cannot eligible to get benefit from them. They suggested to purchase any pack suitable for me and my family. My plan to go USA on 5 march, 2016 and my family will accompanied me. So I have to fix health insurance plan before departure Bangladesh. In this connection I solicit your kind help. I would appreciate your kind help and cooperation in this issue. Thanking you again and looking forward to hear from you. Insurance will not pay for any expense related to your wife’s pregnancy. There is no insurance which covers pregnancy if she is already pregnant. You have to pay from your pocket. You can purchase either Inbound Immigrant- Fixed coverage plan or Patriot Exchange – Comprehensive coverage plan for new sickness, injuries or accidents that may occur after the insurance eff. date. Patriot Exchange Program brochure & instant purchase link: /patriot-exchange-program-insurance/ Inbound immigrant brochure, instant purchase link, /international-major-medical-insurance/ You can also find more plans at, /international-student-medical-insurance/ Please feel free to contact us if you have any further questions.
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Q:I emailed you before asking about patriot exchange. I think it will cover the required plan by Texas Tech University. But i want a written proof the patriot exchange covers all needed items, and i want to ask about the availability of health care providers covered by Patriot Exchange which are present in Amarillo, or i will have to travel to another city to get my medical care

A:
Patriot Exchange plan meets J2 visa requirements by your school. Once you purchased insurance, please send us the waiver form with required information like signature, name etc. Our compliance dept. will sign that form and send it to you by e-mail. You can check yourself whether Patriot Exchange plan meets the requirements or not by looking at the brochure or certificate wording, Please feel free to contact us if you have any further questions.
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Q:I have 4 folks will visit America they will arrive on Oct 3rd and leave Oct, 11. The oldest man is 80 years old. And he has the high blood pressure. Can he buy visitor insurance (Atlas America Plan) from your company?

A:
Thank you for your interest in purchasing insurance through us. Insurance will pay for new sickness injuries or accidents that may occur after the eff. date of the policy. It does not cover any pre-existing or preventive care. However, some plan covers acute onset of pre-ex up to $25,000 for age 70+. The plan which covers acute onset of pre-ex for age 80+ is Safe Travels USA Comprehensive plan. We have many plans at our website at www.insubuy.com You have to get separate quote for 70+ and 80+. You can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:I along with my wife plan to visit New Zealand for one month.We wish to obtain Health Insurance for the period we will be away from our country Sri Lanka. Please inform the procedure and terms and conditions to obtain health insurance.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas International plan brochure instant purchase and other useful information Or any other comprehensive plan from our website at /travel-health-insurance/ Please feel free to contact us if you have any further questions.
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Q:My wife is pregnant and we are planning to visit USA for delivery so that the baby becomes a US citizen. What Kind of insurance plan are available for maternity coverage ?

A:
Unfortunately there is no insurance for an international visitor which cover maternity if your wife is already pregnant. You have to pay from your pocket.
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Q:Moving back to U.S. and need temporary insurance Hello, I am inquiring if I can purchase temporary medical insurance. We are US citizens who have been living in Canada for about 2 years and will be moving back to the States. I have a job starting up in Arizona on June 1st, and my family will need medical insurance between when we enter the US on May 24th and when my coverage begins on June 1st. If it is possible to buy insurance from you for this time period, either as short term insurance or as travel insurance, please let me know and I will proceed to the next step. If not, do you have any referrals or recommendations on how to find an insurance company that will sell it to us? Thank you!

A:
Thank you for your interest in purchasing insurance through us. You can’t purchase any travel insurance as you are moving to USA. You can purchase Short term domestic insurance but it will be minimum for 30days. Domestic short term insurance information, /short-term-health-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us.
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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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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?

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New immigrant to USA?

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

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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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