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Ask Our Specialists

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

Q:I'm J1 and need insurance for my 2 kids. In attach the rules.

A:
Thank you for contacting Insubuy for your insurance needs. Based on your requirements you may purchase any plan in the J1/J2 visa insurance section. One of the more popular plan options is the ExchangeGuard plan.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/purchasing-insurance-for-j1-visa-holder-with-requirements-80167/

Q:I am buying an insurance plan for my parents, it shows that ID will be sent by mail and other docs by email. Can we have ID card also on email? And is it necessary to carry hard copy when they travel or digital format is enough.

A:
You will get ID card also by email. Or you can download online from MyAccount Digital copy is enough. Hard copy is not required.
{{currentOrigin}}/answers/visitors-insurance-usa/virtual-id-cards-in-visitors-insurance-15639/

Q:I have another question concerning the coverage plan . Can a person have two health insurance policies at the same time ? Because I already have one with the school . If yes , how is it going to work if I have a surgery or if I am sick ? Are you going to pay 80% and my school will pay the remaining 20% ? Or what will happen in this case ?

A:
Any plan that you purchase in additional to your schools coverage will pay secondary to the other insurance policy.
{{currentOrigin}}/answers/international-student-insurance/two-health-insurance-plans-at-the-same-time-36540/

Q:I need to quote an insurance to Brasil. I"m Colombian. I"ll do my Internships there. I"m 23 years old and I will be there from 1/7/2020 to 1/7/2021.

A:
Please use the link provided below to view the Patriot International Plan. This plan will provide coverage anywhere outside of your country of residence. You may purchase this online using the quote provided or over the phone by contacting our office at (866) INSUBUY. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/international-travel-health-insurance/patriot-international-travel-medical-coverage-outside-home-country-99599/

Q:My father had a massive stroke yesterday and is admitted to John Peter Smith hospital. He's on Cover America - Gold insurance but I wanted to know what are my options going forward?

A:
Please accept our sincerest well wishes for your father. Please be advised that there is not a plan on the market that you can purchase that will cover something that has already happened. Therefore anything that has to do with the stroke would only have coverage if applicable under your current plan. That includes any treatment in the future related to the stroke. If you have additional questions, please let us know.
{{currentOrigin}}/answers/visitors-medical-insurance/pre-existing-coverage-in-visitors-insurance-16672/

Q:My employee from Mexico will be returning to Mexico on December 23, 2019. She is here on a TN visa that is valid until October 2020. Could I get an extension of her policy from November 18 through December 23rd?

A:
The plan that she was on is a visitor plan for someone in the U.S. on a B2 visa, not someone working temporarily in the U.S. If she is not eligible for employer coverage, we would recommend obtaining a plan through the Health Care Exchange in the state in which she resides while here, or she would be eligible for our short term plan. I have attached the link for the short term plan for you to review: National General This plan can be purchase for different durations, with a month being the minimum. If you have any questions or need any additional information please let us know
{{currentOrigin}}/answers/other-insurance/short-term-medical-options-for-tn-visa-17695/

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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