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Ask Our Specialists

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

Q:I'm a J1 in University at Buffalo. I would like to know the details if you could meet the requirements of the university.

A:
Since you are currently in the state of New York the only plan we would be able to offer you would be Navigator Student. Feel free to contact our office if you need any additional assistance.
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Q:I have questions related to Visitor Visa Insurance. My requirements details are: Age - 57. Duration Needed - Nov 10, 2017 - Feb 5, 2018. No Diseases. I plan to take insurance for stay in USA, and travel flights from and to India, and the luggage. Does the plan Atlas America covers all my above mentioned requirements? If yes, then please send a quote.

A:
Atlas America plan will provide coverage worldwide except her home country. So if her arrival date in US Nov 10th you can start the coverage from Nov 9th to cover the travelling time. coverage will starts from 12:01AM US EST. The Atlas America plan will provide coverage for loss of checked luggage up to $500 that will be secondary to any other benefits you gets from airline because this is your medical insurance but it covers only little portion on travel. Please read more information in Atlas Certificate wording at, page # 15 under loss of checked luggage. We have sent you quote in a separate e-mail also. Please feel free to contact us if you need any further clarification.
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Q:My dad is currently undergoing radiation/cancer treatment in India. I would like to bring him to US so that we can stay closer and continue the treatment. Is there an insurance policy that would cover part of these costs? Can you connect me to an insurance company representative so that i can send them existing medical reports and get an understanding of costs of the treatment?

A:
Unfortunately, there are no plans available which will provide coverage for your fathers current treatment. Short term health insurance plans for visitors are designed to cover new illnesses, injuries, or accidents which occur after the effective date of the policy. They will not cover pre-existing conditions, routine doctors' visits, or medications which are in relation to a pre-existing condition. Since the treatment and diagnosis occurred prior to the policy being enforce, it would be declined as a pre-existing condition. Many plans also have specific exclusions for cancer treatment. If you have any additional questions please let us know.
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Q:What will be the cheapest plan for me If i wanna to apply on Shengen visa for one year?

A:
Thank you for contacting Insubuy. Please use the link provided below to obtain a quote for the plans available in the Schengen Visa section of the website. One of the more popular plans is the Patriot International. You may purchase online or 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 from India and had got coverage from you during my 3 months stay in the US. My son aged 26 lives in Washington state and is employed there. His employer has covered him for medical and life insurance. I wish that he has a cover for accident disability. Do you have an equivalent coverage in the US? Please let me know the details. Thanks PS : In India an accident disability cover, covers the following : - Accidental Death - Accidental Hospitalization Expenses Reimbursement - Permanent Total/partial Disablement: - Accidental Hospital Daily Allowance - Compensation for loss of salary.

A:
Thank you for contacting Insubuy for your insurance needs. Your son will have to look for disability options from a traditional U.S. carriers before looking at surplus lines options for coverage. Surplus lines carriers will only offer coverage if a traditional carrier cannot provide coverage to and individual. If you need any additional clarification please contact our office.
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Q:I am a US citizen living in the Czech Republic and am going back to the US for the holidays. I would like to make sure if I purchase the Diplomat America insurance to cover me for the 22 days that I am purchasing the right one. Also, do you have to physically mail the documents to me or can I just get them by email and print them off to bring with me? I leave on the 14th of December which is why I am asking as I don't know how long the mail takes. Thank you, in advance, for your help.

A:
The Diplomat America plan will cover a US citizen traveling back to the United States for a visit. This plan only provides online fulfillment so there would be no additional documents sent to your address in the Czech Republic. The online fulfillment would be more than sufficient. If you have any additional questions please do not hesitate 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.

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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