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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I have purchased your insurance under # EV##### from 2019 to 2020 but it doesn't meet the requirements from my school. Could you help me to find a way to meet the school's requirements? Below is the reply from my school that tells me my insurance fails to meet the requirement. "Your insurance waiver request has been reviewed but cannot be approved as your coverage does not meet the University's minimum health insurance coverage requirements: https://global.rutgers.edu/international-scholars-students/health-insurance. According to the documentation uploaded to your request your policy would fail to meet the requirements as your plan imposes a maximum dollar limit on medical expense coverage whereas the University requires unlimited coverage. There are a number of other listed requirements not addressed by the documentation you had attached such as ACA compliance, prescription drug coverage information, direct payment confirmation, etc.. Given the issues outlined above your request for a waiver cannot be approved." My school's requirement is as follow: Minimum Requirements for Health Insurance Coverage at Rutgers - The alternate coverage is currently active and the student agrees to maintain the health insurance coverage throughout the current semester - The plan offers unlimited coverage with no maximum dollar limit The plan must include a minimum of $25,000.00 for repatriation of remains and $50,000.00 for medical evacuation. - Plan deductible does not exceed $500 out of network per policy year. - Plan provides coverage for inpatient and outpatient medical care in the immediate campus area. - Plan provides mental health benefits which include chemical and substance abuse treatments. - Plan provides preventative care services which include, but are not limited to, annual physicals, gynecological exams, routine screenings and immunizations. - Plan covers pre-existing conditions. - Plan covers prescription drugs with no maximum dollar limit and a nationwide network of pharmacies. Plan must not be a reimbursement plan. - Plan must be filed and approved in the United States and fully compliant with the Affordable Care Act Benefit Regulations. - Plan is provided by a company licensed to do business in the United States with a U.S. claims payment office and a U.S. phone number. - Plan must pay medical providers directly for inpatient and outpatient care (must not be a reimbursement plan). - The underwriting company must have a rating of either "A" or above by A.M. Best, "A-1" or above by Insurance Solvency International Ltd., "A -" or above by Standard & Poor's Claims-paying Ability, "B +" or above by Weiss Research, Inc.
Q:I am traveling to the US on an H1B visa I am currently outside the US. I need medical insurance for 4 days after which employer-provided insurance will become active. Am I eligible for visitor insurance policies or do I need to buy a new immigrant policy?
Q:My husband is a J2 visa holder and we need to buy health insurance for him. Do all of these provide the following? (1) Medical benefits of at least $100,000 per accident or illness; (2) Repatriation of remains in the amount of $25,000; (3) Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000; and (4) Deductibles not to exceed $500 per accident or illness. I appreciate if you can help me.
Q:I am looking for a short-term medical insurance for myself. I am currently on F1-OPT. I am looking for an insurance from September 1st 2019 to September 30th 2019. I am interested in Patriot America Plus. Could you please let me know the eligibility criteria for it?
Q:An old friend will be visiting me in the States. I'm wondering if he's eligible for travel insurance at 76 years old. He was treated for a cardiac condition with stents in 2018; he's been stable since then and is otherwise healthy. Would he be eligible?
Q:I am holder of tourist visa B1,B2. What type of insurance i can get in United States?
Can't find answers to your 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.
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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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