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Ask Our Specialists

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

Q:My daughter, who is an Irish citizen and has been a permanent resident of the UK since 2005, will be studying for 9 months at Montana State University before she returns to finish her degree at Exeter here in the UK. She also has a US passport but has never lived in the US. We would like to buy health insurance for her during her stay. I am assuming that she qualifies for non-US citizen insurance as she would return to the UK for any serious problems. Would you please confirm that we can buy international health insurance for her?

A:
Thank you for contacting Insubuy for your insurance needs. As she has a U.S. passport she is considered a U.S. citizen and her U.S. citizenship will take precedence, and she would not be eligible for international student policies. As a U.S. citizen she is required to have a domestic insurance in order to be in compliance with the Affordable Care Act (ACA). Any plan available to her on our site would not be compliant with the ACA.
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Q:My parents are coming from India for couple of months. I want to take Visitor secure plan for them, but I am residing in Baltimore, Maryland which comes under geographical restrictions. Does it mean that neither I am able to take the plan nor I can use it in DC, Maryland and New York? My parents are arriving on 24th June. So, If I take insurance today, then they will be eligible for the benefits of plan in MD, DC and NY? If yes, then what start date should I need to mention- before 24th or from 24th? Also, I am residing in Maryland, So, can I mention my details on billing address?

A:
This restriction is saying that the proposed insured cannot be physically located in the states of Maryland or New York at the time of application. As long as you are purchasing the plan before they arrive into these states they are eligible for the plan The plan will cover them anywhere in the United States provide the plan is purchased before they arrive in the state of Maryland. The billing and mailing address can still be in Maryland so that will not be problematic. The plan can start from whatever date your request.
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Q:looking from travel insurance for a grandparent that will be visiting family in the USA in December 2018 and her age is 85 at the time of travel. The traveler will be coming into the USA on a visa given by the American Embassy in South Africa. It is a 10 year visa and was issued on 19.11.2015 and expires on the 15.11.2025. It is a visitors visa. We would like to buy a cover for the duration of her stay in the USA which will be from the 23.12.2018 to the 14.01.2019. When she will return home. We would like to purchase cover for her for emergency medical treatment should she require it. As well as global insurance benefits, accident death. Etc. Please advise if you can assist.

A:
Yes, all of the plans in the visitor to USA section will cover her for any new illness or injury that occurs after the effective date. Most plans include AD&D coverage as well as other travel related benefits. Please review the plans on our website for more information. /visitors-insurance/ If you would like for us to email you the quotes then we would still need the state she will be visiting.
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Q:Hello, I have a relative arriving in the USA on July 16th. I would like to buy her a visitors policy for her stay. She will be here for 77 days. My question is when do I apply for the policy? When she arrives, Now or a week before? Let me know when I should do it. Thank you

A:
Thank you for contacting Insubuy for your insurance needs. You have until the day before you would like the plan to start in order to purchase. The plan will start from your requested effective date. If you need any additional clarification please contact our office.
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Q: I would like to get the Health insurance quote for my parents . They are already in USA . please find the attached passport copies for information I would like to have the insurance starting from tomorrow till Aug 30 2018 . April 21 2018 . They came to USA They are in Maryland , USA

A:
Thank you for providing the requested information. We have sent you a quote based on the information provided below. One of the more popular plans in the quote is the Safe Travels USA Comprehensive plan. You may purchase this plan online using the quote or over the phone by contacting our office at (866) INSUBUY. If you have any additional questions, please let us know.
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Q:I am planning to purchase the Atlas Americas insurance for 6 months duration from Insubuy. I have purchased this plan before also but planning to buy it from insubuy for the first time. Wondering if you have any discount or promotion I can use? How do you compare the service from insubuy vs other companies providing insurances?

A:
As the prices are regulated by law there would unfortunately not be any discounts on the policy. There are many benefits to purchasing from Insubuy. We are here for your before, during and after your purchase. We pride ourselves in superior customer service and we will be available to our customers. Please take a look at the following article of all the benefits of purchasing from us.Why Purchase from Insubuy Please let us know if we can be of any additional assistance.
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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.

Did you know?

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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