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Ask Our Specialists

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

Q:Exchange scholar insurance Dear sir/madam, I am a exchange scholar of Florida International University. I plan to invite my wife to come here from China. Now i want to buy a medical insurance for my wife. But I have some questions. Can you help me? Best wishes

A:
Hello, Please contact our office and an agaent would be happy to assist you.
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Q:Health insurance for parents visiting form India Hi folks at Insubuy, I was browsing the health insurance options for my visiting parents. My dad is 70 and I notice that you want a separate application for him. Can this be done online or does it have to be a paper form? My mom is 59. Also, how long does it take for the insurance to take effect? My parents are leaving India 6th early morning (5th afternoon EST). So, if I submit an application in the next day or two, will it take effect in time? Thanks for your help,

A:
You can do it online at https://www.insubuy.com Insurance can start as early as the next day or any future date you specify. Yes, you have enough time.
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Q:travel insurance quotes good day my stepdaughter, 19 year old italian, is planning a 10 days vacation in Ohio, at friends' house. She is living in Italy and has italian national health care, that is not providing services in USA to my knowledge. I would like to buy a private health insurance for her that could cover accidents while abroad. She will not bring a lot of cash with her and her credit card has a pretty low limit. For this reason I would like an insurance with a low deductible (max $250, if possible) and that could pay directly any cost (except the deductible, of course) related to accident/health problems. Events that I need coverage for: - emergency room costs - hospitalization as a consequence of accidents - doctor's visit - travel expense reimbursement for 1/2 relative in case of need Please let me know if you can provide this type of service and how to get a quote for it. The period is: July-24 to August-04 this year. Thanks and kind regards

A:
Please look at Atlas America Insurance at /atlasamerica-insurance/ That would be the most suitable plan for your requirements. You will find all the details on that web site and you can purchase it online. If you have any other questions, please feel free to contact us at any time.
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Q:Pre-existing conditions coverage Dear sirs First question Last week I bought a INBOUNDUSA Visitor Medical Insurance, but I need to Know if that kind of product is well for my wife and me because we are traveling with Inmmigrant Visa (IV Inmediate relatives) ? Is the rigth choice? I arrive July 12 and we only need covergae to August 18. Second Can I Upgrade for a existing conditions coverage? How much I need to pay? Thanks in advance

A:
That insurance is fine. Pre-existing conditions coverage is not available for short term insurance plans.
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Q:Pregnancy insurance Hi, my name is khalid (32 years). I will travel with my wife 32 years and my dautghter 4 years to USA entery will be 2/08/2011 to 1/11/2011 by student visa for learning english at oregon 12 weeks. I want get health insurance that cover me and my family espicially my wife is pregnant and may delivery babay there. My question how much health insurance cost me and my plan benefit. Thanks.

A:
Hello, Unfortunately, there is no plan that will cover any pre-existing condition or pregnancy.
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Q:Visitor Medical Insurance Dear Customer Support, I am planning to buy Visitor Medical Insurance (comprehensive) for my father in law who is about 68 years old and has blood pressure and diabetes. The top two plans seem to be Atlas America and Patriot America, what is your advice on which on to buy. Are there any better plans and do they now cover pre-existing conditions after the reforms in insurance. Would appreciate a prompt response. regards

A:
Thank you for your interest in purchasing insurance through us. Patriot America and Atlas america are very similar plans. Patriot america doesn't cover any pre-existing conditions. Atlas America covers in case of acute onset of pre-ex upto $15,000 under age 70. You have to take the treatment within 24hrs of the symptoms. Patriot America brochure, instant purchase and other useful information, /patriot-america-lite-insurance/ Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions, please 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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