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Ask Our Specialists

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

Q:Travel insurance options As a result of conversations with you last year, we acquired travel insurance from Patriot International for the year ending 18 May 2015. We now desire to acquire coverage for the remainder of this year. We would again accept a $50,000 max. with a $2,500 deductible. My age is 84 and my wife is 78 to the extent that is relevant. Look forward to learning of the options available to us and relevant quotes.

A:
Thank you for your interest in purchasing insurance through us. Patriot International plan is not available for age 80+. You can purchase Patirot International plan for your wife and Safe Travel international cost saver plan for you. Patriot International brochure, instant purchase link, /patriot-international-lite-insurance/ Safe Travel International cost saver brochure, instant purchase link, /safe-travels-international-cost-saver-insurance/ Please review this and if you have any further questions feel free to contact us.
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Q:Visitor insurance coverage area I have filled my US address in the required space in the application form, but the city Kirkland is not accepted to be being in the state of Washington, USA. Hence I am unable to complete the application form for visitor's insurance.

A:
Thank you for your interest in purchasing insurance through us. The insurance plan that you are planning to purchase is not available in state of WA. Please visit our website at www.insubuy.com Enter appropriate criteria and select the state WA and you will find the plans that is available in state of WA. We have sent quote. Please check your e-mail and if you have any further questions feel free to contact us.
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Q:Visitors insurance payment currency I have a question for travel insurance. My mom is Canadian resident travelling to USA. She needs coverage for 44 days, I got $290.40. Is it USD or CAD?

A:
Thank you for your interest in purchasing insurance through us. The $290.40 would be in USD. If you need additional assistance please feel free to contact our office.
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Q:Patriot America plus vs Atlas America insurance Hi, I am looking for a visitors insurance, in dilemma between Patriot America plus & Atlas America. In Patriot America plus, if i take my mother for severe fever to urgent care(outpatient), should i pay the deductible(250 0r 500$)? or only the copay? and also the chances of billing directly in Atlas america? If chances are low, i need to pay 20% on 5000$

A:
Thank you for contacting Insubuy. Short term health insurance plans have no concept of a copayment with the exception of the Atlas America when visiting the urgent care facility. With the Patriot America Plus you would pay all expenses out of pocket until you reach your deductible amount. Next the coinsurance would apply for the first $5,000 dollars whether you are in or out of network. Then the plan will pay the remaining cost 100 percent up to the policy maximum you select for covered expenses. With the Atlas America plan If the provider chooses not to bill directly you are responsible for 20% of the first $5,000 in covered expenses after the deducible or copayment. One of the benefits of going to a network provider is direct billing. Most of the time the provider should bill the insurance directly if they are in in-network. Please do keep in mind, direct billing is solely up to the provider so they can also decline to bill directly. In this case you would pay for the expenses out of pocket, and file a claim for reimbursement. If you have any additional questions please let us know. You may also contact our office at (866) INSUBUY. Can you explain about policy max with respect to fixed & comprehensive plan. Would be much appreciated if you do with examples. Link for How Atlas America plan works with example, /atlas-america/visitors-insurance/ How Patriot America Plus plan works, /patriot-america-plus/health-insurance/ Inbound USA fixed coverage – How plan works, /safe-travels-elite-insurance/review/ You can call our office at (866)INSUBUY and any agent in our office will be glad to explain this in detail. Or provide your contact information so that we can also call you. Meantime, you can visit our website at, www.insubuy.com Please enter appropriate criteria. You will find many plans and next to each plan there is check box. You can check the box and compare the plans side by side. Please feel free to contact us if you have any further questions. Does Atlas America provide Rx discount card ?? No, that is not a benefit of the Atlas America plan. Apart from 50$ copay in urgent care should I pay anything in Atlas America ? For Atlas America there will be $50 co-pay for urgent care if you go within PPO network and urgent care send billed directly to claim dept. Otherwise you pay $50 co-pay plus 20% co-insurance . Please feel free to contact us if you have any further questions.
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Q:insured turns 70 during visit We need to get a medical insurance for a woman traveling to US for a personal visit. We were considering getting her Atlas America plan. She will stay in US for a couple of months. However, she will be turning 70 years at about one half of her stay. Would you recommend buying one policy that covers days before she turns 70 and the other one (more expensive) for the days after she turns 70?

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas America plan for her now and you will pay the premium as of age 69 yrs. By chance if you need to renew her insurance once she turns 70 you will pay the premium as age 70 but benefits remains same as age 69yrs. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ You can find more plans at www.insubuy.com 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. Thanks for your quick response. Let me just check whether I got this right. Do we first purchase a plan only for the days before she turns 70, and then (say, a day before she turns 70) we renew the plan by purchasing for the remaining days using the more expensive rate? Would she in that case keep the same benefits throughout her visit, i.e. as she was younger than 70? You can purchase for the duration she is planning to stay here and pay the premium for age 69. For e.g. her date of birth is 03/25/1946 so she will turn to 70 on mar 25th. If she is coming to USA on Feb 25th and planning to stay here until 05/25/2016. So you can purchase insurance from 02/25-05/25 and pay premium for age 69. For some reason if she extend her trip beyond 05/25. You can renew the same policy with higher premium as per age 70 and as long as you renew the policy before 05/25 her benefits remains same as age 69 yrs. You can have same benefits max. up to 364 days. I hope this clarifies your doubt. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions.
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Q:How do I get medical insurance for Sweden

A:
Are you looking for insurance for Schengen visa purposes? If so, please use the link listed below for more information on plans that would meet basic Schengen visa requirements. The plans will cover anyone outside of their home country for any new accidents or new illness that occur after the effective date of the policy. If you would like assistance from a licensed agent please feel free to contact our office for assistance. Schengen Visa Insurance
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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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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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