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Ask Our Specialists

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

Q: I need to buy my health Insurance accordingly with Georgia State University requirements. In order to be assertive, I'd like to make sure that all requirements from the list is going to be covered. I chose some features: Policy 250, Co in. 100/0 and ded. 250. I liked the plan ExchangeGuard Essential, (I didn't find -IN- out patient, mental and nervous disorder.) And I am not sure about all the rest. Ok the list is here: International Students Both accident and sickness coverage Minimum benefit $250,000 per policy year Health insurance coverage must be in effect for entire semester Deductible does not exceed $500 per accident or illness, per year In-patient and outpatient, mental and nervous disorder benefits Prescription drug coverage Pay benefits worldwide Medical evacuation to one's home country and family reunification of not less than $50,000 Provision for repatriation of remains of not less than $25,000

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, the ExchangeGuard plan will not meet the requirements listed below since it does not provide coverage for in-patient and outpatient, mental and nervous disorders. We would recommend purchasing the Student Secure plan. Based on the information you have sent we would recommend reviewing either the Budget, Select, and Elite plan options. You may also purchase over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know
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Q:I am interested in the Diplomat America policy. My husband and I are US citizens, living in Sweden. We will travel to the USA in February 2018. We will return to Sweden in April 2018. We would like health insurance coverage for that time.

A:
As United States citizens you are eligible to purchase the Diplomat America plan for coverage. As long as a U.S. citizen is visiting within the United states and has a home country outside of the U.S. they are eligible to purchase this plan.
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Q:I am interested in buying one of your insurances but I have some problems with understanding which one meets my needs. I am an Italian citizen, aged 24, and I will come to the US with a J-1 Visitor visa for the period 1/3/2018-5/4/2018. I need an insurance with the following characteristics: 1) maximum $2000 Out-of-Pocket expense 2) Covers all Pre-existing Conditions with no waiting period 3) Minimum $100,000 for each Sickness/Illness 4) Minimum $100,000 for each Accident/Injury 5) Minimum $50,000 for Medical Evacuation 6) Minimum $25,000 for Repatriation 7) Minimum $500 Deductible Could you help me and find an insurance that will cover these points at the lowest cost?

A:
Unfortunately, the plans available on the market will not meet these requirements. If you have additional questions please feel free to contact our office.
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Q:I am thinking of buying : "Atlas Travel Insurance" for my parents visiting from : December 15, 2017 - Feb 4, 2018. I have a few questions: 1.) If I buy insurance online today or tomorrow will it be effective from December 15, since it is very close to December 15. 2.) My father has gone through some heart surgery 4-5 years back. Currently he is healthy. Is there anything specific i need to look for in insurance ?

A:
Plans will start from your selected effective date of coverage that you request. So if you purchase the plan today or tomorrow to start 12/15 the plan will still be effective as of 12/15. The plans are designed to cover the new accidents and new illness that happen after the effective date of the policy. Some plans will offer coverage for an acute onset of a pre-existing condition. Please look at Acute Onset of a Pre-existing Condition for more information.
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Q:My wife is currently a student and is having H4 Visa. Do you have an affordable student health insurance visa?

A:
Your wife as an H4 visa holder is not eligible for a student plan because of her visa status. You will need to look into domestic ACA compliant plan options for coverage as this is what she is required to have. Not having an ACA compliant plan can result in penalties being assessed by the Unites States government. Any plan available will be a short term solution until her domestic insurance plan would start. If you would like to look into the short term plan available to your wife please send us her age, state in which she would require coverage as well as her date of arrival into the united States. We can then send you short term plans that would be available.
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Q:I plan to buy Evacuation/Repatriation insurance. Is that reach the amount as follows? Evacuation - $50,000 Repatriation - $25,000

A:
Thank you for contacting Insubuy for your insurance needs. Are you talking about the Atlas MedEvac plan? If so, then yes the plan will cover those amounts. If you have additional questions 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 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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