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Ask Our Specialists

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

Q:Hello, I need to better understand this coverage. Can you send me additional information via Email? I'm looking for medical insurance for a family member with a visiting Visa who may need medical attention. Thank you in advance.

A:
The plans will cover a new illness or injury that occurs after the effective date. There is no plan available that will cover an existing condition. So if your visitor is already needing medical attention then there is no plan available that will cover it. For any current medical condition you would need to pay out of pocket. If you need additional assistance please feel free to contact our office.
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Q:I am a citizen of Germany who's now working on a J1 visa at Chapman University in Orange, CA, for the next two years. My wife (also from Germany) will come join me in January. We are both 38 years old and need supplemental repatriation and medical evacuation coverage (we got health insurance from the University). Can you help us out?

A:
You can purchase the Atlas MedEvac plan. If you have any questions or need additional assistance please feel free to contact our office.
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Q:My dad is 69 years old and has stent in his heart. I am planning to bring him to US for 6 months. I have few questions on Atlas Premium America plan. 1. Does Atlas Premium America cover pre existing conditions? And what is the coverage? 2. Please send detailed plan coverage. Birth Country: India Visiting Country: USA

A:
We offer insurance from many companies. Insurance for an international visitor covers any new sickness injuries or accidents that may occur after the effective date of the policy. Insurance will not pay for any pre-existing, preventive care or any routine maintenance for the pre-existing conditions. However, We have many plans which provides coverage for an Acute Onset of Pre-existing Conditions. Answer for your questions below: 1. Atlas Premium America plan covers an acute onset of pre-ex up to policy maximum for the age below 70yrs. 2. Atlas Premium America plan If you provide your parents date of birth, travel date, which state do you need coverage and what policy maximum are you looking for? Once we get the above information will be glad to send you quote by e-mail. You can also compare Atlas Premium plan with our other plans at our website. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you need any further clarification.
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Q:I'm going to be graduating from UC in December and won't be eligible for the student health insurance. I'm 28 years old, green card holder with Brazilian citizenship, self-employed musician and need to find a good health insurance for myself. Could you please help me?

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, we don't have a long term domestic plan that we can offer at this time. Since open enrollment starts 11/1/17 you can check with your state department of insurance to discuss your options. If you need a short term plan until a long term plan starts you can look at the International Major Medical plan that is offered in the new immigrant section of our website. If you have additional questions please feel free to contact our office.
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Q:I am travelling from Singapore to Canada for work and my wife is also on a visit pass. If I buy medical insurance from you, is it valid and covered in BC - Canada?

A:
We offer plans to cover proposed insured anywhere outside of their home country. If you are traveling to Canada from Singapore you can purchase insurance from our Travel Outside the USA section of the website provided you do not require coverage in the United States. Please use the link to generate a quote for coverage and to find available plans for your travels. If you would like assistance from a licensed agent please feel free to contact our office.
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Q:I wanted to buy an Insurance for my Spouse for the next 2 months. She is on L2. Date of arrival: 28 September 2017 Age : 28 State : PA Will this be valid if we go to other state for vacation ? Let me know what's the process.

A:
You can purchase Patriot America Plus plan as long as she is not permanent residents of United States or has the ability to purchase a US Domestic plan. That means she is not eligible to enroll under domestic insurance on her own or insurance through your employer. This plan will provide coverage worldwide except her home country. Please review this plan details and feel free to contact us if you have any further questions.
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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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