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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:We are new US permanent residents and green card holders. I've purchased an International Major Medical policy for me and my child. I was about to do the same for my husband, but I noticed that it doesn't cover pre-existing conditions. He suffers from seasonal allergy and asthma during the spring, but he has been well in the last 6 months: he didn't see a doctor for this problem in the past 6 months, but he always travels with emergency medicines just in case... Would this be considered pre-existing conditions, in regard to International Major Medical? Are there other insurances suitable for him, permanent resident with green card?
Q:I am interested in purchasing the above travel insurance policy. However, there is a certain doubt that I wish to clarify: 1. On your form you ask for the Trip Purchase Date. 2. I am putting together the trip from various hotels, airlines and travel agents.(I am travelling to South America and Antarctica via Europe). 3. Therefore there is no one particular Trip Purchase Date. I have not completed the purchases of the Trip. 4. I bought the first part on 13 Sept 17, and thereafter purchased other parts in bits when opportune. I am continuing to purchase other parts. However in your certificate and brochure you refer to "FINAL TRIP PAYMENT" Can you therefore advise the "Trip Purchase Date".
Q:I'm hoping you can help me choose a plan for my fiance'. She is a female, 38 years old, citizen of Japan and will move to the US this November 1 under a fiance' visa which means she will not have a US green card or US residency until around March 2018. Would her immigration status affect her qualifications for health coverage? We'd like to have coverage for her in the US from Nov. 1 for at least one month until we figure out a longer term plan for her. We'd like the option to renew the health plan.
Q:Hi, Could you please confirm that a dependent (ie. my wife) of international student at an university is eligible to apply for Atlas America insurance plan below? My wife is considering application to the plan from December 15, 2017 to August 31, 2018 to fulfill the requirement as a J2 visa holder, which means that she is staying in the US as a dependent of me, who is studying currently at the University of Chicago Graduate School (August 2017 to July 2019). She is not going to work as a full timer in the US. She is not pregnant but is thinking about leveraging the complication of maternity coverage of the plan. I, her husband, am considering a different plan which is required by the university and do not intend to enroll in this Atlas America plan. Thank you very much for your support.
Q:I am planning to buy Atlas America (a comprehensive coverage plan) for my wife and daughter start date Jan15 2018 to Jan 12, 2019, traveling from India to Texas, El Paso, both J2 dependent. wife's age is 33 and daughter is 2 years 3 months I am interested in 500000 $ max policy and 0 deductible and co insurance 100/0 for a period of one year. Could please explain to me how much I have to pay out of pocket in case I have to visit a hospital if I buy above plan? Hope you have PPO network hospital in El Paso as well.
Q:I would please like to inquire whether I can insure a trip I bought last week and which I plan to go for in two weeks time. Would I still be covered by cancellation insurance in case I would fall sick? And is there a franchise one would have to pay if one were to make a claim? Thank you very much. (An answer by email would be kindly preferred).
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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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There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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