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Ask Our Specialists

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

Q: My son has recently completed his Freshman Year at Findlay University Ohio. He is currently living off Campus until the Fall Semester when he will continue his studies. He is a 19 year old international student from England with an F1 Visa. He will not be enrolled into classes for the Summer. Could you please advise me which medical insurance will be suitable as he will need it as soon as possible

A:
Thank you for contacting Insubuy for your insurance needs. The plan we would recommend is the Atlas America plan This plan will cover him for any new illness or injury that occurs after the effective date and will cover him for the summer break. Please let us know if you have additional questions.
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Q:I am planning to buy Patriot America Insurance Plan for my parents who are visiting me next month.My mother has constant cough and i am thinking of treating it in one of providers under the PPO network. How does the plan cover this treatment?Can you explain?

A:
Thank you for contacting Insubuy for your insurance needs. The Patriot America Plus plan is designed to cover any new accidents and new illness that happen after the effective date of the policy. So anything that she is currently experiencing before the purchase of the policy would not be covered. For any new items that happen in the future, after the deductible has been met the plan will cover 100% to the policy maximum in network and 80% to the first $5,000 of medical expenses out of network. Please use the following link to review the plan details. Please contact our office if you need any additional assistance.
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Q:Please see my question below - I'm sure, you will give me recommendations on what type of coverage I need - I'm US citizen and looking for information on Health Insurance for my family member ( my niece), who is not US resident. She is going to travel to US ( has 10 years tourist visa) and she is pregnant. We don't trust health services in their country and would like to give childbirth here in US. What type of Health Insurance do we need to get? Your website is mentioning about International Health Coverage. How it works? Does it cover expenses for pregnancy or at least have some discounts?

A:
Thank you for contacting Insubuy for your insurance needs. There are several plans that will be available to your visitors while in the United States. Please be advised that the plans will cover the new accidents and new illness that happen after the effective date of the policy. Plans will not cover pre-exiting conditions, routine doctors visit, maternity or any delivery related expenses. Plans will cover the new accidents or new illness that happen after the effective date of the policy. There is one plans that will cover pregnancy complications for the first 26 weeks if pregnancy but the cost of maternity or delivery is still not covered. The name of this pan is called Atlas America and would be recommended for coverage for both individuals traveling. Pregnancy Coverage FAQ here. If you have any questions please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/maternity-and-preexisting-coverage-in-visitor-insurance-69224/

Q:If a policy for travel into usa from india says 5 days to 2 years does it expire after i return to india or is it valid for next 2 years travel to usa again next year?

A:
The policy will only be valid for the duration that you have purchase for. If you purchased for 92 days and then returned home after that 92 days the policy will end. Upon your return for a new visit you will have to purchase a new plan for coverage.
{{currentOrigin}}/answers/visitor-insurance/coverage-duration-in-visitor-health-insurance-59781/

Q:I'm planning to take visitor's insurance for my sister's family visiting USA from Australia. They are Permanent Residents of Australia while they still hold Indian Citizenship. The tool doesn't let me progress when I say "Yes" to this question-- Are any of the proposed insureds physically located in the country of Australia at the time of application? . Please let me know on the next steps.

A:
Thank you for contacting Insubuy for your insurance needs. Based on the information provide below, the application is asking this question to verify eligibility. There are plans which will not allow a purchase if the insured person is physically located in Australia at the time of purchase. You may also obtain assistance by contacting our office at +1 (866) INSUBUY. We may also assist you in selecting the proper plan to best suit your needs.
{{currentOrigin}}/answers/visitors-health-insurance/eligibility-in-visitor-insurance-plans-with-geographic-restrictions-74666/

Q:Can you please advise if there is a policy to cover the aforementioned condition, as we wish to visit the US for 11 days in September.

A:
Thank you for contacting Insubuy for your insurance needs.. Unfortunately, there are no plans available to cover any treatment or complications arising from congenital diseases. Plans are meant to cover the new accidents and new illness that happen after the effective date of the policy. If you need any additional clarification please contact our office.
{{currentOrigin}}/answers/visitor-insurance/preexisting-condition-coverage-in-visitor-insurance-to-the-united-states-41711/

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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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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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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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