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Ask Our Specialists

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

Q:Hello. I will be entering the US on a H1B visa with my dependents (wife and 3 year old son). My dependents are on a H4 visa. My employer provided health insurance does not cover them since they are not eligible for a SSN. They will live in the US with me. What health insurance schemes are suitable for them?

A:
Employers should still be able to cover them as H4 visa holders are eligible to obtain ITIN numbers. You can also contact the Healthcare Exchange in the state in which they will be residing to see what options may be available to them as well. Depending on the state in which they are going to be residing, we do have a short term plan that may be available that can offer them temporary coverage. /short-term-health-insurance/ Please let us know if you have additional questions.
{{currentOrigin}}/answers/visitors-insurance-usa/h1b-visa-dependents-h4-employer-health-insurance-eligible-ssn-91659/

Q:I would like to buy travel insurance for my mom, she is 77 years old will visit in USA for 6 months. I would like to know which package fits her, please send me information for the fordable package detail, my contact email kxinxin@hotmail.com and phone 846-804-8890 (China beijing time zoom) thanks!

A:
If your mom is coming to the U.S. on a B2 visitor visa, you can locate available plan options and quotes through this link: /visitors-insurance/ Your specific information entered into the quote screen will provide you with the available plans and also allow you to select specific coverage levels which will determine the premiums for the plans. Please let us know if you have additional questions.
{{currentOrigin}}/answers/visitors-health-insurance/travel-insurance-77-visit-usa-68217/

Q:Hi, we are going on a cruise ship and 50% of the cruise is in USA and 50% in Mexico. When I select the travel medical insurances on your website, it says USA excluded but I would like to have coverage on the ship. Which insurance would fit my requirements best?

A:
The Travel medical plans cover someone outside of their home country. Since you are a U.S. resident, there is not a travel medical plan that will cover you in the U.S. We do have Trip Insurance plans that could provide benefits to you that can cover someone traveling at least 100 miles from their home residence whether the travel includes parts of your home country or not. Here is the quote link for the Trip Insurance plans for you to review: /travel-insurance/ Please let us know if you have additional questions.
{{currentOrigin}}/answers/travel-health-insurance/cruise-ship-usa-mexico-travel-medical-insurance-coverage-43451/

Q:Are vaccinations covered- Flu and tetanus shots

A:
The Safe Travels Elite plan does not include coverage for vaccinations such as tetanus or flu shots. The plan is primarily designed to provide coverage for new illnesses, injuries or accidents that either exist in the body or occur after the effective date. If someone were to contract a new medical condition after the effective date then this is something that can be covered according to the terms and conditions of the insurance plan you have purchased. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-medical-insurance/does-visitors-insurance-provide-coverage-for-tetanus-or-flu-shots-18692/

Q:I'm an American and my wife is a Mexican National and we both live in Ensenada. I'm looking for an insurance plan here in Baja Ca for us both. I don't know where to start. One thing I do know is we do not want the public health insurance Seguro Social provided by the government.We are looking for a plan that allows us to go to a Dr. when necessary for test and preventative checkups. Can anyone help with what's available here for us?

A:
Our plans cover someone when traveling outside of their country of residence. We would not have plans that can cover you where you live. You state you live in Ensenada but are looking for coverage in Baja Ca. If you are stating you are going to be traveling to California, we would have plans for travel medical, however, those plans cover for new illnesses and new injuries contracted after the effective date. They would not cover for the things you mentioned such as preventative care, routine maintenance or pre-existing conditions. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/other-insurance/american-mexican-health-insurance-preventative-checkups-83445/

Q:My parents are visiting in a week and we will be visiting Grand Canyon with them in April. Is it possible to get their heart examined to make sure they will be OK for Grand Canyon trip with some small hikes? Will this heart exam covered under visitor insurance?I'm planning to get Safe Travel USA comprehensive insurance for them.

A:
We would not have any plans that would cover a preventative heart exam. If you want to have that done for them, you would pay out of pocket for those services. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-insurance/parents-visiting-heart-examined-covered-visitor-insurance-29620/

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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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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