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Ask Our Specialists

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

Q:HiI am from Sri Lanka. I am traveling to U.S. and stay for 1 year on j1 research visa. J1 requires Medical benefits of at least 100,000 per accident or illness. just wanted to know does the Patriot America Plus plan have 100,000 per accident or illness?

The Patriot America Plus plan has a policy maximum that is per period of coverage instead of per incident as is required for the J visa. This is why the plan isn't listed in our J Visa Insurance section. We recommend purchasing a plan from that section to ensure you satisfy all of the requirements. A few popular plan options that provide similar coverage and satisfy the J requirements are the ExchangeGuard, and Atlas America. You may view and purchase these plans online or obtain assistance over the phone by contacting our office at +1 (866) INSUBUY 467-8289.

Q:Good morning. I am a US citizen who lives and works in Greece. I will be visiting the US with my family which includes, my wife who is a Greek citizen and my son who was born in Greece but has a US passport. I want to make sure when I am purchasing travel health insurance that it will cover al three of us. My concern is that we have different nationalities. The first question is about our nationality and I am only able to select one nationality.

You will need to purchase visitors insurance separately since the insureds will have different countries of citizenship. The premium cost is based on the ages of the insureds, and the travel dates so the overall cost for your family will remain the same. If you have any additional questions or need further help, please contact our office at +1 (866) INSUBUY 467-8289.

Q:Hi, my parents are planning to visit me in the US in the near term. My father (age 70 years) underwent heart surgery 4 years back and is on regular medication. I need a plan that would cover him for acute/sudden onset of pre-existing conditions in addition to regular health coverage. Please suggest.

Visitors Insurance plans are primarily designed to cover new illnesses, injuries or accidents that exist in the body or occur after the effective date. Some plans will include coverage for acute onset of pre-existing conditions. Some popular plans for this age group that have this benefit are the Atlas America, and Safe Travels USA Comprehensive. If you'd like a plan that provides coverage for pre-existing conditions, then you may view the Visitors Protect. This plan will include coverage for pre-existing conditions as long as the insured is not traveling for the sole purpose of obtaining medical treatment, is medically fit to travel, and the plan must be purchased prior to them leaving their home country.

Q:I am a US citizen who lived in California for 25 years. For last 3 years, I have not been in California and have been living in India. However, I still have a US California license, bank accounts in the US and a virtual Mailing address in California due to which I am likely still considered a California tax resident.iI will be California from Dec 1st to Dec 31st 2022 and would like to know what is the best option for someone in my case to purchase health insurance for my one month stay.I currently do not have any medical insurance anywhere as medical cost is very cheap in India where I currently stay.

We do have a plan that can provide coverage to a U.S. citizen who lives abroad while visiting the U.S.: /patriot-america-plus-insurance/ If you have any additional questions, please let us know.

Q:How do I get a health insurance card coverage as an international F1- Visa student ?

After you purchase a policy, you would be able to access your ID card online and then some plans will mail the ID card through postal mail as well. If you have any additional questions, please let us know.

Q:Insurance cost for 10Days

If your travel destinations do not include the U.S. as a destination, you can find those plans here: /travel-health-insurance/ If you reside outside of the U.S. and your travel includes the U.S. as a destination, you can find those plans here: /visitors-insurance/ 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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