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Ask Our Specialists

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

Q:I'm trying to get a quote for a insurance plan for my parent that are planning to come to US to visit for around 4 month starting at the end of May of this year. My parents are 77 years old both, My dad has COPD disease and my mom had Alzheimer disease. What plan or options can the company recommend?.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there is no insurance for an international visitor which covers routine maintenance for the pre-existing conditions. You have to pay from your pocket. However, insurance will cover for an acute onset of pre-existing conditions. Please find more details here We would be happy to recommend a plan for coverage. Please confirm the state that they would require coverage in as well as the dates we would be happy to send you a quote. Please feel free to contact us if you need any further clarification.
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Q:My parents are planning to come to USA from India for 2 months. I am planning to buy a health insurance policy for them. They are planning to go to Cuba and Jamaica too. Will you insurance policy cover medical insurance during travel, stay in USA, Cuba, Jamaica? They are traveling on a tourist visa and we want the acute onset coverage.

A:
Based on the information you provided we would recommend the Patriot America Plus plan. That plan does not have restrictions for Cuba and includes the Acute Onset benefit. If you need additional assistance please feel free to contact our office.
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Q:I am applying for a J1 Visa and I need insurance for the following: 1.Repatriation of remains in the amount of $25,000; 2.Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 Also, I need the insurance to meet: An insurance policy secured to meet the benefits requirements must be 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 a Weiss Research, Inc. rating of B+ or above. (22 CFR 62.14) From what I read, the Atlas MedEvac program should be enough for me. Can you confirm this? I am particularly not sure about the rating part.

A:
Thank you for contacting Insubuy for your insurance needs. The Atlas MedEvac plan does meet the requirements for the AM Best Rating. Their rating is A Excellent. If you have additional questions please feel free to contact our office.
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Q:We are planning a trip to Israel. Do you have health insurance for Israel?

A:
Thank you for contacting Insubuy. You can purchase plans in the Travel Outside USA section. Should you have additional questions please let us know.
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Q:My mother is visiting me for a month in the US for 5 weeks. She is a resident of India. However, she is already here - but I would still like to get her some form of medical insurance during her stay. Is this possible?

A:
In most cases you can purchase the plan even after she has arrived but some plans have geographic restrictions or time restrictions.
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Q:I am a F-1 international student and trying to get an individual insurance for my school, because the one they provide us is too expensive for me the requirements are: The insurance company must issue you a confirmation letter that includes all of the following information: Student's first and last name Effective start and end date of the policy. Students must be covered throughout the entire semester Medical coverage of at least $100,000 Emergency evacuation and repatriation coverage of at least $30,000 Deductible may not exceed $500 Policies that require students to pay for medical services first and then apply for a reimbursement will not be accepted. All information must be translated into English All coverage amounts must be converted to U.S. dollar

A:
Thank you for contacting Insubuy for your insurance needs. The plan we would recommend based on your requirements below is one of the ExchangeGuard plans. If you need additional assistance please feel free to contact our office.
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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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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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