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Ask Our Specialists

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

Q:My visit(J1, visiting scholar) to Cornell University will start at the end of this month and I find interest in health insurance plans designed for J1 visa student. I would like to ask that is HPV VACCINATION covered? If yes, could I get vaccinated in Health Care Center from my school? Or could you please recommend a suitable plan for me?

A:
Unfortunately, there are no plans available, which will provide coverage for the HPV vaccination. If you can provide your University requirements, we can recommend a plan, which will meet the school requirements without the immunization coverage.
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Q:I'm a researcher from Hungary. I will spend 10 months at the University of Illinois in Urbana Champaign (Illinois) as a fellow researcher with J-1 visa. My scholarship is from the 7th of September until the end of June. My 8 month old daughter with J-2 visa and my wife (27), who is an American citizen will come with me. My question is, what kind of insurance can you recommend me and my family according to these circumstances (according to the J-1 and J-2 visa requirements, e.g. min $100,000 coverage for medical benefits)? How much would it cost approximately?

A:
Thank you for contacting Insubuy for your insurance needs. You may view and select one of the J Visa Insurance options available. You may purchase ExchangeGuard, as it is one of the more popular options. You are able to purchase these plans for you and your daughter, but since your wife is a U.S. citizen she is not eligible.
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Q:I am an international student starting sometime soon a research year and want to request a quote for the cheapest year long health insurance coverage tailored specific to certain conditions that are required by my school. You can find the conditions attached to this email.

A:
According to the requirements the plan has to cover pre-existing conditions with no exclusions. All of the available plans will have at least a 6 to 12 month waiting period so they don't meet the requirements.
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Q:I am planning to buy insurance coverage for my dad. He has dilated cardiomyopathy(kind of heart disease) along with high blood pressure and is currently on medication and is leading a healthy life.. If any complications arise during the stay in USA related to this disease, will it be covered? I am planning for atlas america or patriot america plus plans.

A:
Thank you for your interest in purchasing insurance through us. In general, insurance will pay for any new sickness, injuries or accidents that may occur after the effective date of the policy. It will not pay for any routine maintenance for pre-existing or preventive care. However, both Atlas America and Patriot America plus plan provides coverage for an acute onset of pre-existing conditions. Nobody can confirm in advance his conditions will be covered or not. It will be determined by the claim dept. based on the attending physician notes and as per the policy certificate whether it fall into an acute onset of pre-existing conditions or not. Please look at the comparison between Atlas America and Patriot America Plus here. But before we suggest any plan would like to know his age. Please review the above information and feel free to contact us if you have any further questions.
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Q:I am a grad student on a J1 visa and I have 2 dependents on J2 visa status. I would like to buy them 100.000 USD evacuation and 50.000 USD repatriation plan however your limit is less than that. Is that possible to increase the coverage amount like this?

A:
The MedEvac plan offer on the Insubuy website will meet these limits. Please use the link listed below to review the plan details and to generate a quote for coverage. Atlas MedEvac brochure & instant purchase link: /medical-evacuation-and-reptriation-insurance/
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Q:What is included in Dental Insurance ?

A:
We would be glad to advise. We do not offer dental insurance. We do however, have the Careington Dental and Vision discount plan. I have attached the plan link below for you to review the plan and information about the benefits it offers: Careington Discount Plan There is a $20.00 one-time non-refundable set up fee, and the plan is $11.95 a month. Therefore, the first month would be $39.95, and then $11.95 each month after. If you have additional questions, please let us know.
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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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