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Ask Our Specialists

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

Q:Hi, I am an Australian coming to work in the USA on an E3 visa (similiar to H1 visa). The visa length is maximum two years. My employer will be paying for medical insurance but it doesn't commence until I have been in the country for 3 months. I am looking for medical coverage for myself, my husband and my 14 yr old son to cover us all for the first 3 months we are in the USA until the employers medical insurance commences. I would like to ensure the policy can cover my son's school athletic program also. Ideally it will also cover us for covid-19 related expenses should we contract it will in the USA. Any assistance you could provide me will be greatly appreciated.

A:
Thank you for contacting Insubuy for your insurance needs. In order to better assist you we will need additional information regarding your son's athletic program. The recommended plan until your employer coverage begins would be the Safe Travels USA Comprehensive plan. It will cover the new illnesses and injuries that manifest after the effective date of the plan including COVID-19. We are also sending you an email to get additional information regarding your son's sports activities. Should you have questions for us or wish to speak with one of our licensed representatives, you may do so by calling (866) 467-8289.
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Q:Is patriot america plus paid by the month?

A:
The premium is determined based upon a daily rate. The plan can be purchased or extended for a minimum of 5 days at a given time. If you wanted to pay month by month you are able to do so.
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Q:if i purchase 'cancel for any reason' insurance, am i covered if the local govt imposes a 14 day covid quarantine in the vacation state or my home state and i need to cancel?

A:
Thank you for contacting Insubuy. With the cancel for any reason benefit you may cancel the trip for any reason that is not listed in the base policy. So you use the cancel for any reason benefit if you are no longer traveling due to government imposes quarantine.
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Q:I am enrolling in UMD starting September 1, 2020. The university requirements are as below. Please suggest a plan that meets these requirements. For a waiver to be approved, the level of benefits provided to the student through a health insurance plan must be fully compliant with the Affordable Care Act (ACA). Coverage is considered comparable if it provides students with access to local providers and a range of services in the state of Maryland. Services include, but are not limited to, preventive and non-urgent care, emergency care, surgical care, inpatient and outpatient hospitalization, lab work, diagnostic X-rays, physical therapy and chiropractic care, prescription drugs, and mental health and substance abuse treatment.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plan options available to meet the requirements as you require a plan that is Affordable Care Act compliant. We would recommend purchasing through your University directly. If you have any additional questions, please let us know.
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Q:Can this insurance be used outside US (in Chile ) by a Venezuelan citizen with Chilean residency?

A:
The avaialble plans are for coverage anywhere outside of your home country. If your permanent residenc is in Chile then the plans unfortunately would not work in your case.
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Q:My father and mother got their immigrant visa and is immigrating to USA to settle down here from India. My father is 70 years old and my mother is 65 years old. My father had a heart condition and a bypass surgery almost 1.5 years ago. He has been healthy since though he takes regular medicines and goes for checkups. Can you please suggest an insurance product for them , so that I can take my father for regular checkups here as needed as well as one that will cover everything including his pre existing conditions?

A:
The plans are designed to cover the new accidents and new illnesses that happen after the effective date of the policy. Any expenses related to routine and preventative checks for pre-existing conditions would not be covered. You can see the new immigrant section of the website for plan options available to them.
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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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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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