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Ask Our Specialists

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

Q:Can I buy a maximum policy for 1 million instead of 500,000 for diplomat America

Diplomat America is available with a $1,000,000 policy maximum up to age 59. If you have any additional questions please let us know.

Q:Hello, I would like to ask if I can purchase health insurance that covers the requirements of the J-1 visa before obtaining such visa. I am planning to go to the United States as an exchange visitor starting from April 2024, and I am waiting for the hosting university to provide me with the DS-2019 document, which is a prerequisite for the J-1 visa application.

Yes, you can purchase J1/J2 insurance before actually being approved for a visa, however you must have a valid J1/J2 visa by the time the policy begins. Please let us know if you have any additional questions.

Q:Hello I'm on H4 dependent visa and currently pursuing Master's course. My school is not able to provide insurance as I'm on H4 and so I would like to get an insurance. Could you please provide me the available plans?

International Major Medical would be the plan that is available for individuals in the US on a H4 visa if you are not eligible for domestic insurance. If you have any additional questions please give our office a call at 1(866) 467-8289.

Q:We have two river cruise vouchers to use for our next trip. (We had to cancel due to a medical emergency...and the cruise company provided us the vouchers.) Technically the vouchers have no trip value...but they total 11K. Husband and I both have medical issues and want to purchase health insurancetravel insurance that includes coverage for preexisting conditions. Want a reputable travel insurance company. Need to know any special things to know on purchasing trip insurance using vouchers.

Yes, there are some plans that will allow you to insure cruise vouchers. While some trip insurance plans will provide waivers for pre-existing conditions, there is a time frame in which the plan needs to be purchased in order to be eligible for those waivers. Unfortunately, based on the information you provided, you would not be eligible for those waivers. You would be welcome to insure your new trip, but cancellations due to a pre-existing condition would not receive coverage. If you have any additional questions please call our office at 1(866) 467-8289.

Q:Pre existing conditions and Urgent care insurance for Old age couple with age group of 84 YEARS and 79 YEARs

Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known, expected, or routine treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. It must be purchased before the insured has left their home country, and the sub-limited maximum amount of coverage that is available for pre-existing conditions is $25,000 ($50k, $100k, or $250k policy max available for expenses related to new injuries or illnesses). Other plans, like Atlas America or Patriot America Plus, do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. You can run a quote in the Visitors to U.S.A. section of the website to see what plans are available. If you have any additional questions please let us know.

Q:My mother is planning to visit to the US. - I want to do a full blood checkup for her. What type of insurance I should buy?- She has arthiritis, I want to get a second opinion from a doctor here. What insurance I should buy?

Plans are designed to cover for new injuries or illnesses that did not exist in the body before the effective date of the policy. Unfortunately, there are not going to be any plans on the market for visitors that offer coverage for preventative care or routine maintenance of any kind. There is one plan called Visitors Protect that can cover pre-existing conditions however it must still be an unexpected occurrence, so seeking a second opinion would not receive coverage. Please see the article on Routine Care, Check Ups and Pre-Existing Conditions Coverage in Visitors Insurance for proper expectations of what visitors insurance can cover. If you have any additional questions please let us know.

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 purchase 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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