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Ask Our Specialists

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

Q:Do you reimburse for vaccination?

A:
No. Plans are designed to cover for new injuries or illnesses that did not exist before the effective date of the policy. No plans will cover for preventative care or routine maintenance of any kind.
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Q:Hello. I am on L2S visa. But i am going to stay here just for 3 weeks and then go back to Canada as i work there. I am looking for a short term medical and accidents policy that applies to me. i dont want to add to my wife's (who is on L1) employer policy as this is just a short term need, please advise.

A:
Atlas America is available to people temporarily visiting on a L2 visa.
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Q:Hai, i am 29 years old indonesian coming to U.S for 1 year with J-2 Visa and i am trying to purchase health insurance for me, because my wife (J-1) already covered through sponsoring organization. Do "Visitor Care-Platinum" or "Safe Travel Elite" already comply with J-2 visa requirements, or i would be very pleased if you could send me a proposal for a health insurance.Thank you

A:
No, these plans do not. Please run a quote in the Exchange Visitors (J1/J2) sections of the websites for plans that will meet the J1/J2 standard insurance requirements.
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Q:What if i go to in-network hospital and I do not have money to pay the doctor, can i request them to claim from insurance company

A:
Yes, if you have to go to a hospital you may always request for them to directly bill. It will always be up to the provider on who they would like to directly bill the costs to.
{{currentOrigin}}/answers/other-insurance/what-if-i-go-to-innetwork-hospital-can-i-request-them-to-claim-from-insurance-company-10350/

Q:I am in need of specialist consultation and may require various tests such as imaging and lab work. Therefore, I kindly request that you provide me with a list of healthcare providers who accept direct billing through InsuBuy.Thank you.

A:
Insubuy is a broker and does not handle or process claims, you will want to reach out to the number on the back of your ID card if you need assistance with claims. You are welcome to look at the PPO network that your plan utilizes for providers in your area on your MyAccount.
{{currentOrigin}}/answers/international-student-health-insurance/i-am-in-need-of-specialist-consultation-and-may-require-various-tests-such-as-imaging-47109/

Q:Cancellations for any reason

A:
We have trip cancellation plans that are available to US residents. Some of those plans do offer coverage for cancellations for any reason if the plan is purchased within a certain amount of time of the initial down payment towards the trip. You can run a quote in the Trip Insurance section of the website to see what plans are available to you. Please call our office at 1(866) 467-8289 if you have any additional questions.
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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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