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Ask Our Specialists

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

Q:Insurance required for travelling to US - with pre existing disease .. please advice

A:
We provide insurance from many companies before we suggest any plan would like to know insured person age, travel date, which state do you need coverage and what kind of pre-existing are you planning to cover? Once we get the information above will send you insurance plan accordingly. There is no short term plan for an international visitor which covers routine maintenance for the pre-existing conditions. However, we have some plan that provides coverage for an Acute Onset of Pre-existing Conditions. Meantime, please visit our website and 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 information.
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Q:Looking for coverage for an american living abroad over 10 years last state of residence is California. Planning to visit USA in October looking for either travel/ or long term insurance with pre existing condition. The traveler is a stroke survivor with hypertension, age 38 travel dates from Oct 17 to 27 or maybe just one week from Hong Kong to NYC. We are mainly worried about medical bills, in case, you know, knock on wood, shall anything happens.

A:
The insurance plans available for a short visit are going to cover new accidents and new illness that occur after the effective date of the policy. At most, there is a plan that will cover in the event of an Acute Onset of a Pre-existing Condition. This will not include general routine doctor's visits or immunizations, nor any medications related. Unfortunately, there is not going to be a plan that will cover the pre-existing conditions unless it is a domestic insurance plan. You can look into domestic insurance after his arrival but they would not be valid during the needed duration of his visit of 10/17-10/27. Domestic insurance plans typically start the first of the following month after arrival or the month after.
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Q:Nice to know you. This is Bella, I have called you yesterday about the health insurance of my kid. I am a visiting scholar in UCSD from Shanghai, and my daughter is over 4 years old with J2 visa. She will go the the kindergarten, where we need to provide a physician report and blood lead test. As you mention yesterday, no company will cover that due to J2 visa type. Could you please introduce us some proper insurance for kids at her age? Please find the attachment of the UCSD requirement.

A:
The following recommended plans will meet the requirements as listed since those are the standard requirements. Here are a couple of plans we would recommend. Atlas Exchange Patriot Exchange Program If you have additional questions please feel free to contact our office.
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Q:I'm an international student at Long Island University- Post. I wanted to know if you offer any insurance plan which is compliant with the following requirements by the university; 1. The insurance company should be USA based. 2. The Plan should be fully compliant with the Affordable Care Act and all other federal and state mandates. 3. Should provide every benefit in the university area, both emergency and non-emergency. 4. Should provide coverage for the entire year. Please let me know if you need any other information.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, we don't have any insurance that meets your school requirements. You need to purchase insurance from your school.
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Q:I'm an international student from Germany and currently studying at the University of North Dakota for a semester abroad. Unfortunately, the university denied my health insurance, mostly because my provider is not located in the U.S. I am now looking for a new provider, who fulfills the university's criteria. I really hope you can help me find a plan that gets accepted! Thank you very much in advance!

A:
Thank you for your interest in purchasing insurance through us. Your school wants you to purchase ACA compliant plan. ACA plan you will get only through your school. So you will not find any plan in outside market.
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Q:I am looking for a fixed coverage OPT plan.

A:
There is not going to be a fixed coverage opt plan available.
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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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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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