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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:My in-laws will be in New York State for 3 months and then in Ohio State for another 3 months. They come from China to travel in the US. How can I purchase the insurance for them? One time or purchase separately? The plan I am looking at is Atlas America. Thank you very much.
Q:I am a full-time missionary in Bulgaria. I have Bulgarian health insurance to cover me while I am in Bulgaria. I need short-term health insurance for my upcoming two month trip to the USA (Colorado). Can you advise me? I don't need major medical insurance, but only insurance to cover me in an emergency while in the USA.
Q: I have a question about your Exchange Guard insurance plan. If I visit a clinic which is out of the PPO network, how does the insurance will work? Let's assume I purchase a $100,000 policy maximum for one year, I choose a 0 per period deductible and a co-insurance of 100%. If I visit a clinic out of the PPO network, the doctor charges $200 per visit.how much should I pay by myself? thanks for your help!
Q:This policy... Patriot America Plus... seems quite expensive. Is there another plan that would work for my family? I have used the Atlas International plan before. Is that a good yet more affordable option? What are the main differences?
Q:Hi I have a question about your F-1 Insurance plan. I was wondering if your insurance for international students meet the new requirement for a waiver. Here are the criteria written by the University of Oregon. UO Student Health Benefits Plan Waiver Criteria: The plan must be a federally certified, US-based plan (or university approved plan), compliant with the Affordable Care Act (ACA), and provide coverage for all services included in the Oregon Benchmark Plan. Coverage must begin on or before the first day of the academic term in which the student is enrolled and extend through the entire term. The plan deductible must be $500 or less per accident/illness per year. The plan must include medical evacuation coverage of at least $50,000. The plan must include repatriation coverage of at least $25,000. The plan must have co-insurance of 20 percent or less.
Q:Hi I have a question about your F-1 Insurance plan. I was wondering if your insurance for international students meet the new requirement for a waiver. Here are the criteria written by the University of Oregon. UO Student Health Benefits Plan Waiver Criteria: The plan must be a federally certified, US-based plan (or university approved plan), compliant with the Affordable Care Act (ACA), and provide coverage for all services included in the Oregon Benchmark Plan. Coverage must begin on or before the first day of the academic term in which the student is enrolled and extend through the entire term. The plan deductible must be $500 or less per accident/illness per year. The plan must include medical evacuation coverage of at least $50,000. The plan must include repatriation coverage of at least $25,000. The plan must have co-insurance of 20 percent or less. For more information, please go to https://health.uoregon.edu/insurancewaivers
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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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There are many advantages in purchasing from Insubuy and no disadvantages.
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Healthcare costs are very high in the U.S.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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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.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
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