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Ask Our Specialists

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

Q:I am looking for a health / travel insurance policy to cover my wife pregnancy to Germany. She has to apply for German visa in Cameroon. So let me know available policies to cover delivery.

A:
There are no plans available which will cover labor and deliver for a visitor. The plans are designed to cover only any new illness, injury or accident which occurs after the effective date of the policy. If you have any additional questions please let us know.
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Q:Hello, I am in the US working on an O1 visa. I am interested in getting your health insurance to cover me for the 2016 year. I am wondering if your health insurance will satisfy the IRS Health Insurance tax? If so, will I receive paperwork to support my 2016 tax return?

A:
We don't provide any long term insurance (PPACA compliant plan) in state of NY. Short term plans are not PPACA compliant plan so we will not be able to provide you paper work to support your 2016 tax return. Are you eligible to enroll under your employer insurance? If yes, please go for it. Otherwise you can purchase short term plan using link below, New Immigrant Insurance If you have any further questions feel free to contact us.
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Q:I am in the market for a Comprehensive Travel/Medical Insurance Plan for my nephew who will be spending approximately one year in China. He is a 26 year old US citizen who resides in Kentucky. I have been considering either the Atlas International Plan or the Patriot International Plan. Although his entire trip will be about 1 year he will return to the US for 16 days half way through. Can I get a 364 day policy understanding it will not cover the 16 days he is back in the US but will cover both stays in China or do I need to get one policy for the first part of his stay and then renew it for the second part. Your help will be greatly appreciated.

A:
Both Patriot International and Atlas Internationalprovides incidental trip to home country. So You can do it either way. Purchase for 364 days at one time or purchase for the first part of trip and then you can repurchase for the next part. Patriot International you can have max. for 2yrs and Atlas international you can have max. for 364 days. You can compare these both plans at: Visitors to the USA Travel 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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Q: I've purchased the Patriot Exchange Program plan for my whole families including two adults and a 6 year-old boy. But for some reason, we couldn't arrive to the U.S. in time. I want to know whether I could change the effective start date?

A:
Yes. We can make changes whatever changes you want before the effective date. So please send us an e-mail at: service at insubuy dot com Please provide your policy number, reason to change the date and new start date and end date. If you have any further questions feel free to contact us.
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Q:I am buying Visitors Care insurance for my parents who are 72 and 65 year old. Kindly advise me whether this insurance company is quite sincere in paying the fees if claimed and do not delay the settlements.

A:
Thank you for your interest in purchasing insurance through us. Visitors Care is a fixed coverage plan. Please look at schedule of benefits and how plan works. Visitors Care Plan Benefits Visitors Care plan is good but if you need to use the insurance plan will not pay more or less will always pay as per the scheduled benefits for any eligible expense. You need to do separate application for age 70+. You can give us a call at (866)INSUBUY and we'll be glad to process the application over the phone if you'd like. Please feel free to contact us if you have any further questions.
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Q:I am planning to visit Paris from 25-Jul till 2-Aug along with my family. I intend to go for visa appointment in end of April at French Embassy .As a part of embassy docs for schengen visa ,I would like to request a medical insurance quote meeting the requirements for Schengen visa,

A:
Thank you for your interest in purchasing insurance through us. We have a section of our website just for Schengen Visa that you can find here. You would have to purchase separately for the children since they are US citizens. All the plans in the Schengen Visa section will meet the requirements. If you need additional assistance please feel free to 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.

Did you know?

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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