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Ask Our Specialists

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

Q:If this is my only health plan (& I'd chosen my health plan to be the primary plan covering expenses under the PIP portion of my auto insurance) then this would be the first plan to cover any motor related accidents in my car right?

A:
If this is the only health plan then yes it will pay primary. If you are in an accident with another vehicle that is at fault then their insurance would be responsible so there are other situations where this insurance would still pay secondary.
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Q:I am interested in purchasing the ExchangeGuard Essential as a F1 student in the US and am trying to understand the policy wording. If I am driving my car and get into an accident, would medical expenses be covered?

A:
Yes, the plan will cover a new injury that occurs after the effective date.
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Q:I have a U.S. citizenship, and am living outside of U.S. I plan to visit U.S. this summer for traveling and need a short-term medical insurance. Is there any plan I can purchase for 10 day coverage?

A:
Thank you for contacting Insubuy for your insurance needs. The plan we would recommend is the Patriot America Plus plan. As long as you have a residence outside of the US then the plan will cover you for a visit to the US. If you have additional questions please feel free to contact our office.
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Q:I am a doctor from out of states and travelling to US for the purpose of observership in the hospital. The hospital requires some sort of HIPAA insurance to protect the patients privacy. I want to ask if your company provides any such coverage? If yes then what are the charges for a month?

A:
No, we do not offer liability insurance for HIPAA violations.
{{currentOrigin}}/answers/visitors-medical-insurance/hipaa-liability-insurance-46872/

Q:I am an American medical student studying medicine in Ireland. I would like to purchase medical insurance between July 2nd and September 21st, 2018 for my hospital internships in the United States this summer. I currently have not American health insurance. I will return back to Ireland after my internships.

A:
As long as you don't have any requirements that need to be met while you are doing your internship then the plan we would recommend is the Patriot America Plus plan. If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/visitors-medical-insurance/patriot-america-plus-for-visiting-united-states-citizens-69905/

Q:I am visiting the US and have gallstones. Can you cover the cost to fix my problem?

A:
There is no plan available on the market that will cover you for a specific condition. The plans for travelers will cover new illness or injury and would exclude pre-existing conditions like the one mentioned.
{{currentOrigin}}/answers/visitors-medical-insurance/preexisting-medical-condition-coverage-for-visitors-13552/

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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