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Ask Our Specialists

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

Q:I am looking for Schengen visa insurance, for my upcoming visa appoint. I need help to decide suitable insurance policy based on me and my wife's citizenship and residency status. 1. My Case: Citizenship : Indian Visa : H1 residency : Washington, USA Schengen visa appointment: Dec 2017 in USA 2. My Wife's case Citizenship : Indian Visa : H4 residency : India (will be moving to USA in December 2017) Schengen visa appointment: Oct 2017 in India Our Schengen area travel plan is for mid of January 2018. Help me in selecting best suitable insurance for me and my wife.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Patriot International plan for both of you but need to do separate application because of different residence country. Patriot International brochure, instant purchase and other useful information can be found here. You can look at sample id card and visa letter also. As soon as you purchase the insurance will receive insurance confirmation by an e-mail which will have a link to print id card and visa letter. Please feel free to contact us if you need any further clarification.
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Q:I am looking for travel insurance for my parents. They currently live in Canada, holding Chinese citizenship, and will travel to California for two weeks. I wonder if they are eligible to buy atlas america travel insurance?

A:
Atlas America plan you can't purchase if the insured person is physically located in Canada at the time of application. You can purchase Patriot America Plus plan which is very similar to the Atlas America plan. Please review the plan details and feel free to contact us if you have any further questions.
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Q:I am a exchange student from the UK currently studying at Virginia Tech for the 2017/18 school year. I am having problems getting my insurance waiver signed for various reasons. I am under the impression your company covers all aspects of the VT insurance waiver. However, the insurance needs to be back dated to the 21st August 2017. Is this possible under any of your insurance plans?

A:
Thank you for contacting Insubuy for your insurance needs. Waiver forms can only show the actual dates of coverage so that will be a future date. It's not possible to purchase insurance now for a date in the past. If you need additional assistance please feel free to contact our office.
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Q:Hi, my family is looking for an international health insurance which covers the United States and Germany. We are going to move to Pennsylvania. My husband is American citizen, I am German, and our three children have both nationalities. My husband will be still working in Germany and travelling back and forth. Do you offer a family plan which covers our family?

A:
If you are moving to US then you need to purchase domestic long term insurance. You can't purchase international or Expatriate insurance. Under Expatriate insurance you can't spend more than 6 months in US out of one year. So it will work for your husband but not for other family members. For more information please look at Expatriate Health Insurance. We don't have any short term domestic plan in the state of PA. Please feel free to contact us if you have any further questions.
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Q:My daughter is going a school trip to USA for 5 days and the school is recommending to have a visitor's insurance to cover unexpected medical issues during the trip. Can you provide the cost for a 13 year old with 25K max policy? She is a Canadian.

A:
You can purchase a plan called Patriot America Plus for coverage for 5 days while your daughter is in the United States. The minimum purchase amount is $50K. This plan will be inexpensive for her at her age. Please review the plan details and feel free to contact us if you have any further questions.
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Q:I would like to buy a comprehensive insurance plan from Insubuy for myself and my girlfriend. We are living as common law relationship in Canada and are not married yet. When I was looking on your website to buy insurance it asked me to include spouse or not. I am just wondering if you guys consider common law partner as spouse or I have to buy two independent insurance coverage plans. looking forward to your reply!

A:
It depends on the plan. Some plans can have unrelated people on the same plan but others are for the spouse and/or dependent children. For the plans asking for spouse you would do separate applications. If an application asks for the travel companion then you can be on the same plan. It does not affect the cost or coverage. 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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