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Ask Our Specialists

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

Q:We are looking for F1 visa and OPT student insurance. When it says direct billing does it mean, provider will bill insurance company and insurance is going to pay amount directly to provider and then I need to pay remaining or I need to pay fully first out of pocket and then should I need to put a claim. which plans ensure that Insurance pays first to Provider

A:
That is generally correct. The PPO network is going to be the avenue in which providers will have the ability to directly bill the insurance. So yes, if the provider directly billed the insurance, and there was a remaining amount left over or a deductible you have to meet, you would have to pay the difference. Please be advised however, that it will always be up to the provider on how they would like to bill, even if they are in-network. There is no plan that can gaurentee that the provider will directly bill the insurance. You can check our article on the Claims Process for more information. If you have any additional questions please let us know.
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Q:I am planning to go CMU as a visiting scholar with my wife.We have plan for having baby in South Korea. So we find insurance that could cover pregnancy check up and child birth in Pittsburgh.Is there any insurance that we can pre - apply before we are get to USA?

A:
Yes when making a quote in the Scholar seccion you can narrow your search to include a plan with maternity coverage. the insurance has to be purchase and start before the conception.
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Q:We're (wife and I) residentes in Maryland, with already funeral arrangements. The question is: if in the near future we decided to move to another state, let's say, Florida or Arizona. There is any insurance to bring the remains home to Maryland? If so, how much?Thank you

A:
We only have short term travel insurance that include the return of mortal remains in case you pass during your trip. We do not have plans for people who live out of state permanently.
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Q:Do you have mortal remains brought home insurance within the US?

A:
Most plans have a repatriation and return of mortal remains benefit. you can compare the plans under the plan benefits seccion to see which is right for you. visitors to USA:/visitors-insurance/
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Q:My aunt was rushed into surgery on Sunday Feb 4th. I bought your insurance on Feb 5th. Will you cover the medical expenses?

A:
No it will not. Visitors plans are designed to cover for new injuries or illnesses that did not exist in the body before the effective date of the policy. No plan on the market will cover any expenses related to the surgery nor will they pay for any follow appointments or treatment that may be needed. If you have any additional questions, please let us know.
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Q:My parents aged 66 and 60 years are travelling to USA for a period of 94 days (20 Feb to 24 May 2024). Request to kindly assist which plan is best and how to purchase

A:
You are welcome to run a quote in the Visitors to U.S.A. section of the website to see what plans are available to you. Once you have chosen a plan you can simply select the orange "purchase" button in the top right corner of each plan. That will take you to an application to fill out the insured persons name and complete your payment. A popular Plan for that age group is Patriot America Plus. If you have any additional questions please call our office at 1(866) 467-8289.
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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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