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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am planning to visit USA for two weeks, while on visit, I will be driving my friend's car (Not a rental)! Does the insurance cover me if I cause an accident?
Q:My parents are visiting USA. I'm looking for some visitors insurance for them. My dad is 70 & my mom is 59. I looked at your products. I'm looking for comprehensive plan. Which plan would you recommend? Though we are going to the provider from your providers list, what if they don't accept the insurance & ask us to pay upfront? That means, why are they in your providers list? If we want to buy the insurance for 3 months, then do we have to pay the whole premium at once? Can we pay on a monthly basis? If there's any claim within that 3 month period, will that claim be covered even after the plan expires? Do we have to inform you to cancel the insurance, even after the plan expires? What's the difference between HCC plans & IMG plans?
Q:I just bought health insurance from you for my J1 visa but in the PDF I received from you says this: This insurance coverage, offered by Tokio Marine HCC through HCC Medical Insurance Services, does not meet the minimum standards required by the health care reform law Im a bit confused by this, does this mean the plan isnt enough for a J1 visa If so what do I need to do
Q:I have been accepted to embark upon obtaining my Masters degree in the US commencing this August. I will be traveling on an F1 visa from the UK to NYC. I have been looking at alternative insurance providers outside of that of the school's and came across your website. In order to waive the school insurance, I am required to have "comparable" insurance to that policy. I am wondering whether you would be able to advise if you offer anything that would be suitable for me? Details of the school plan can be found here:
Q:We are an Australian family and we will be moving to live in the USA for a year. My wife has arranged a fellowship in Boston, MA which commences in September. We will be arriving in the USA on 8 August 2016 and living in Boston until the end of the fellowship in early July and then plan to travel for a few weeks in the USA and Canada until the start of August 2017 at which time we would return to Australia. I am 39 years old, my wife is 37 years old and we have three children that will be 5, 2 and 11 months old when we arrive in the USA. I have been investigating health insurance options and got some quotes from your website for Atlas America ($4,080.44) and Patriot Platinum America ($9,080.03) policies. The quotes were based on 364 days for $1m coverage and $0 deductible. Could you please advise which policy you would recommend? Is the Patriot Platinum policy significantly better given the increase in cost? I've read some blogs of people saying that Atlas America rejected their claims. Is one insurer more reliable than the other or have better customer service? Also, we are in the process of applying for J-1 & J-2 Visas for our family and we have been advised by the agency managing this (Cultural Vistas) that we need to obtain a level of health insurance that complies with specific US government regulations.
Q:Good afternoon, I am consulting some problems. Would you like to help to check about this? I am a visiting scholar in Dartmouth College with J1 visa. And my wife is J2 holder. She has been pregnant for 1 month, and we are seeking a proper insurance for us covering the maternity. So if there's a proper insurance for us to choose? Thanks. And also, we noticed that Student Health AdvantageSM Platinum might cover the maternity? is that ok for us to purchase this insurance? Because she has been pregnant for 1 month, is that ok for us to purchase to cover the maternity? Thanks, Looking forward to your letter.
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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.
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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