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

Q:Hi,I am a visiting scholar at NC State University. I am looking for a health insurance. The university asks for the following criteria should be met by a policy: Minimum coverage must provide:Medical benefits of at least 100,000 per accident or illness;Repatriation of remains in the amount of 25,000Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of 50,000Deductibles not to exceed 500 per accident or illness.In addition, insurance policies May require a waiting period for pre-existing conditions that is reasonable as determined by current industry standards;May include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness; andMust not unreasonable exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.Do you have any type of insurance that meets the above criteria?Thanks in advance.

A:
You may view the applicable insurance plans for North Carolina State University on our website and quote the applicable plans in the J1/J2 Visa Exchange Visitor Insurance section of our website. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:I am trying to select the best coverage for my 81 year old Mom who will be visiting me in the US for 2 months. She has good health, can walk fast and only chronic condition she's had for 40 years and manage with medication alone is diabetes.

A:
The plans available for Visitors to the USA will offer the coverage for new illnesses and injuries that are contracted after the effective date. They will exclude the coverage for pre-existing conditions, preventative and routine care. Please enter the appropriate information into the quote link and should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:HI, my son will be visiting California next month for 3 weeks. He is a Canadian resident. He has a pre-existing mental health issue which is stable. I need to get coverage for him while he is in California. Can he get covered and what would the cost be - he is 19 years old.

A:
He can get insurance with this pre-existing condition. Please see our Visitor Medical Insurance for Visitors to USA landing page. Please note that Visitors Insurance plans are designed to cover only new illnesses, injuries or accidents which occur after the effective date of the policy. They will not cover routine doctors visits, preventative treatments, or pre-existing conditions.
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Q:I need a multi entry medical insurance for the french schengen visa (schengen area) for 1 yeas (short term visa upto 90 days in a year) )with 0 deductable; coverage of minimus euro 30,000; covers medical expense, emergency medical repatriation, with precise dates of coverage. I live in the U.S. and have a green card and am a citizen of India.Please advise on the best policy to buy today - Thanks - Sanjiv

A:
You may view and quote the available plans in the Schengen Visa Insurance section of our website. The plans that appear after you enter the applicable information will meet the necessary requirements for the visa. Should you have additional questions or need further assistance you may also call our office at +1 (866) 467-8289.
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Q:I just need cheap covid insurance to enter Thailand when I return from holiday.

A:
You may view and quote the available plans in the COVID-19 Travel Medical section of our website. Should you need assistance regarding this, you may call our office at +1 (866) 467-8289.
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Q:Hello. I want to make sure you received my claim form that I emailed on October 31st. I have not received any emails stating that it is being reviewed or in process. The claim is for my wife that is on my policy.Thank you

A:
Thank you for contacting Insubuy for your insurance needs. You will need to contact the claim department directly regarding your query. As a broker, we do not have access to claim information due to HIPAA laws. Should you have additional questions you may also 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.

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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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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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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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Most schools require international students to purchase health insurance.

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