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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I'll be participating in visiting scholar program in USA for 1 year. I'm interested in IMG Patriot Platinum America and Patriot exchange, both have zero deductible option. I do interested in high coverage of Patriot Platinum America. However, Patriot Platinum America is not really specify under J exchange VISA category in IMG website(actually in Travel insurance) and do not have specific coverage for medical evacuation and return of mortal remain. So Is this plan qualify for J1 VISA exchange program or should I choose Patriot exchange instead? Here is additional on J1 health insurance requirement for Stanford University. Not sure that some travel insurances such as Atlas America, Patriot Platinum America are qualify for J1. Insurance Requirements - Medical benefits of at least $100,000 per accident or illness. - Repatriation* of remains in the amount of $25,000. - Expenses associated with the medical evacuation* of the exchange visitor to his or her home country in the amount of $50,000. - A deductible not to exceed $500 per accident or illness. - If a particular activity is a part of your Exchange Visitor program, your insurance must cover injuries resulting from your participation in that activity. - The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry. - The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above).
Q:I'm applying for my visa J-1. Should I already have my visa when I activate the insurance? Which of the plans in the link, you advise me to buy, based of my requirements?
Q:I purchased the insurance through your network last year. And I'll travel to the US again this month. So could you kindly sent me the link of the insurance plan as those of last year. Or is there any recommendation of other plan this year?
Q:I am looking for a annual travel insurance policy for me and my family (husband and baby (1 year old). I would like it to include cover for trip cancellation for trips both within the US and outside the US. We are originally from the UK but not resident in the US on a L visa. I have seen some of the quotes on the website but I cannot tell if they include trip cancellation? I would be grateful for assistance.
Q:I would like to know if the plan VISITORS CARE (for non US residents) is the right travel medical insurance for my father 75 and my mother 69 both from Bolivia who will be traveling to Canada and the USA on vacation for 40 days. Could you please send me the coverage of this plan?
Q:I am looking for a visitor coverage plan for my parents who are visiting USA for 3 months on May 17. I want to know more details about the safe travels plan.
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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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You cannot find a lower price anywhere for the same product.
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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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