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Ask Our Specialists

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

Q:I would like to request a quote for international travel medical insurance, including medical evacuation. I am an American citizen from Indiana, will be 27 years old on January 25th and am planning to travel throughout Europe, primarily in France, for all of 2018 except for 1 week in June (20-27th) when I will be in the United States.. Therefore I am looking for a quote for one whole year, as well as quote for two trips if it would be more affordable. Along with your quote, please specify if I need to be inside the United States during the time of plan purchase, as well as which countries you do not provide coverage for.

A:
There is a plan called Atlas International that we would recommend. This plan will cover for up to 364 days anywhere outside of your home country for any new accidents or new illness that happen after the effective date of the policy. Plans can be purchase before or after your departure from the United States. It is not a requirement for the plan to be purchased prior to your departure from your home country. This plan will also allow for an Incidental home Country Coverage. For every 3 months period during which you are covered, eligible medical expenses incurred in the I.S. are covered up to a maximum of 15 days. We have sent you a separate quote for coverage of the available plan options. You can find more information about the available plan using the link listed below. Travel Health Insurance - For Outside the USA
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Q:I am in need of schengen -visa health insurance that covers emergency medical, hospital and repatriation expenses at a minimum of $40,000 USD. If I purchase a plan from Insubuy, will I get proof of insurance automatically generated (certificate) in my email or will I have to wait a while?

A:
We have many insurance plan that meets Schengen visa requirements. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print ID and visa letter and you can submit those documents to Consulate. Please use the link below: Schengen Visa Insurance Please enter appropriate criteria. You will find many plans. Next to each plan you will find sample ID card and visa letter. Please feel free to contact us if you have any further questions.
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Q:I need insurance to satisfy requirements of French consulate for obtaining a long stay visa. Question, if my visa application is denied, could I cancel my insurance and you would refund me the full amount?

A:
We have many insurance plan that meets Schengen visa requirements. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print ID and visa letter and you can submit those documents to Consulate. If your visa is denied all that is required it for the insured to provide documentation of the denial and a full refund will be issued before the effective date. Schengen visa insurance Please enter appropriate criteria. You will find many plans. Next to each plan you will find sample ID card and visa letter.
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Q:I noticed it was mentioned on the website that the plans cover any new illness or accident, but what about the past/existing illness and coverage around it?

A:
Pre-existing conditions are not covered under any visitor plans. Some plans like the Atlas America plan include coverage for the Acute Onset of a pre-existing condition for insureds under the age of 70. Please see the link below for more information on the Acute Onset benefit. If you have additional questions please feel free to contact our office.
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Q:I am looking for insurance cover for my mother who is traveling to USA on 15th Feb for 3 months is currently 62 years old. Could you please suggest me some suitable plan with following possible coverage? Maximum Limit: 500,000 USD Supplemental Accidental Death: 100,000 USD

A:
There is a plan called Atlas America that will offer coverage for any new accidents or new illness that happen after the effective date of the policy. This plan will offer coverage in the amount of $500,000 as you request which we have sent you a quote for your reference. There is the ability to add additional AD&D coverage onto the policy to equal the $100,000 in AD&D coverage that you are needing for an additional fee.
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Q:I wanted to buy travel insurance for my mother based in India and travelling to Singapore. She is 66 years old and has pre-existing conditions. I am interested to buy Atlas International underwritten by Lloyds. Can you please confirm if this is applicable in Singapore for someone travelling from India? I have read good reviews for your company but mostly talk only about your coverage within US. Can you please also let me know for coverage outside of US, in Singapore and also in Germany? I would also like to know if pre-existing conditions are covered for this policy?

A:
The Atlas International plan is available for coverage to anyone traveling outside of their home country. However, these plans do not cover any pre-existing conditions. Short Term plans are designed to cover the new accidents and new illness that happen after the effective date of the policy.
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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.

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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