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Ask Our Specialists

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

Q:My parents 72 and 76 will be traveling to the Philippines to visit family from the United States . They are U.S. citizens living in Illinois. Would you please direct me to the appropriate insurance with comprehensive medical coverage (and some trip coverage)?

A:
We would be glad to assist. I have attached the links below for 2 types of plans, The Travel outside the U.S.A plans for medical coverage that can include lost luggage benefits, and then the Trip Insurance plans, that can include some medical benefits. These benefits will vary depending on the plan. If you have any questions about the plans, please let us know and we would be glad to assist. You can contact our office directly at (866) 467-8289, and our licensed agents can assist as well.
{{currentOrigin}}/answers/international-travel-medical-insurance/united-states-citizens-traveling-to-the-philippines-comprehensive-medical-coverage-25416/

Q:I need to purchase Health insurance for my parents. They are US permanent residents. However, they spend 5-6 months in India and remaining time here in US. Is your insurance offering applicable for them?

A:
We would be glad to assist. We do have plans on our website that are specifically able to cover Green Card holders visiting the U.S., as long as they do not stay in the U.S. for more than 6 months. I have attached the link to those plans below for you to review. /green-card-holders-visiting-usa-insurance/ If you have any questions, or need any additional assistance, please let me know.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/coverage-visiting-with-a-greencard-91464/

Q:I need a product to cover me and my wife just in case we have a medical emergency during the time I will travel in the US. Both of us (my wife and I ) are from Argentina. We have Diplomatic Passport and Visa A1.

A:
We have a couple of plans we recommend. Please see the links below for more information on the Atlas America and the Patriot America Plus. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/other-insurance/arriving-from-argentina-on-diplomatic-passports-needing-coverage-13583/

Q:I will be a J1 exchange visitor for almost 4 months. I will come from Europe (Austria) to Louisiana State University (LSU) in Baton Rouge, Louisiana. My time period for the insurance is 31 January 2019 - 10 May 2019. I need also medical coverage. My age is 29. In 2017 I had a Patriot Exchange Program Insurance from your company and I was happy with it. I received some documents from LSU where they wrote which are the necessary expenses for which the insurance company should support me. Also they asked me to have a representative of the company signing me the documents. Please find attached the mentioned documents. Could you please tell me if the Patriot Exchange Program that I had in the past includes all the necessary benefits? If yes, I would like to order online the insurance on your website.

A:
Yes, the Patriot Exchange Program does meet the requirements as listed. Once you have purchased the plan you will need to complete your portion of the information on the form and send it as an attachment and we can have the benefits department fill out the rest.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/patriot-exchange-program-university-requirements-for-j1-visa-78675/

Q:Hi, I want to purchase a insurance for my spouse (the J-2 VISA holder) and I have some questions about the ExchangeGuard-Choice plan. First, I want to buy the ExchangeGuard-Choice plan and I want to choose: Deductible: 100, Policy max: 100000, and Co-insurance: 100/0). In order to satify the insurance requirement f the Federal Regulation (22 CFR 62.14), does this insurance plan meet the following requirement? 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 the exchange visitor to his or her home country in the amount of $50,000 4. A deductible not to exceed $500 per accident or illness. 5. Covers pre-existing conditions after a reasonable waiting period (6 months or less) 6. This insurance policy is underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or aWeiss Research, Inc. rating of B+ or above. Another question is that if I buy this insurance plan, my school want your company to complete a insurance certification form (they will give me), so where should I email to and have someone help me to do this?

A:
The ExchangeGuard plans will meet the requirements mentioned. We would be happy to complete your compliance form upon purchase. Once you make your purchase you can send your form to us for completion.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/exchange-guard-choice-meets-federal-regulation-requirements-75422/

Q:I need to buy insurance for my parents primarily visiting USA, but also a week in Canada. Do the insurance options you provide cover USA and Canada? Do I need to select International & USA as the coverage option to get that?

A:
That is a search feature that will provide plans that cover everywhere in the world outside of the home country.
{{currentOrigin}}/answers/visitors-health-insurance/insurance-for-a-visit-to-the-united-states-and-canada-50143/

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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