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Ask Our Specialists

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

Q:I would like to inquire whether the Safe Travels USA Comprehensive policy is applicable to someone on an O-1 visa? Thank you.

A:
You can purchase Safe Travels USA Comprehensive plan as long as you are on Visa and your home country is outside USA. Please feel free to contact us if you have any further questions.
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Q:I'm from Russia, and I plan to visit the US for the first time. I want to visit my friends in Michigan, Texas, Florida and walk around New York city. For this trip I planned 54 days (together with an air flight from Moscow). I am 56 years old, I do not have chronic diseases. I do not engage in active, extreme sports and do not travel by car. Basically, I want to insure myself only from accidents: a snake's bite or insects, bone fractures, traffic accidents, tornadoes, etc. And I can not afford to pay for a doctor or hospital in the United States. It is very important that the insurance company does this. I hope that there will not be an insurance event :) For an insurance policy I would like to get the basic details: - covering 100 000 USD - Deductible - 0 - Co-payment (co-insurance) 100/0 - the availability of hospitals and doctors in these states who work in agreement with the insurance company. I like Atlas America's insurance plan. But, according to calculations on the site, it costs 346.68 dollars. Unfortunately, it's expensive for me. Is it possible to exclude some details from this plan to make it cheaper? Maybe you will be so kind and will advise me of some other insurance plan!

A:
The Atlas America plan that you are considering would be a good plan option for you during your visit to the United States. With the requirements that you have such as a $100,000 policy maximum, deductible of $0 and 100% co-insurance this is going to be a likely standard for any insurance plan that you consider as far as pricing is concerned. In order to lower your premium you will have to make adjustment in the policy maximum or deductible to make it more feasible. There are not any other plans with these requirements that would be more affordable. You can consider a plan called Safe Travels USA Comprehensive that would provide you with a slightly lower premium but you would have a 80/20 co-insurance. Please contact our office if you need any additional information.
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Q:I'm an international student studying at Lane community college ,Eugene Oregon. I'm interested to have an Atlas Exchange health insurance for me and my wife (100% Coinsurance percentage ,$0 deductible) My questions is what is the coverage percentage of prescription drugs , and do you offer dental insurance? Also can you send me a link where I can search for the database of doctors ( to make sure that my family doctor is already in your network)?

A:
Atlas Exchange plan will cover prescription drugs up to policy max. There is no co-insurance if you choose 100% co-insurance. You can purchase separate Dental and Vision Discount plan. Please find more information at Careington Dental Vision plan on our website. Please use the link provided to locate providers (doctors, and hospitals) within the First Health PPO Network. Please feel free to contact us if you have any further questions.
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Q:My mother is going to visit me in the United states. And I would like to by for her Atlas America insurance. She plans to visit California, New York and Minnesota states. I would like to know: will this insurance cover these states?

A:
Atlas America plan will provide coverage anywhere in the world except your mother's home country and will provide coverage nationwide in US. That means is not particular to one state. Please feel free to contact us if you have any further questions.
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Q:My daughter is studying in UCLA in 2nd Year. Could you please advise us suitable Insurance coverage Which is acceptable to UCLA and is valid at ASH CENTRE

A:
Unfortunately, we don't have any insurance that will meet UCLA requirements. You need to purchase the insurance from the school.
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Q:My name is Eddy B. Castillo, I am traveling to USA with a J2 visa , I looked on your web for an J2 visa insurance plan (only for me since my wife has her own insurance covered by the college she will attend), It is called Atlas Essential America, I wanted to know if that plan lets me work on USA as a J2 and I also wanted to know more about your paying methods, can I pay monthly a rate? Since I want to buy a J2 insurance that covers me for a year I wanted to mention that when I try to register it asks me for a mail address, but I don't have it yet so I hope you can answer soon, thanks in advance for your help and time.

A:
You can purchase Atlas Essential plan. It meets standard J1/J2 visa requirements. If you have any additional requirements, please send us those requirements in pdf attachment. For the Atlas Essential plan you can purchase for a month and you can extend monthly. Whenever you extend the insurance there will be $5 extension fees. I would suggest to purchase insurance for 3 month and then extend. If you don't have mailing address, you can provide your friend or relative address. Please 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.

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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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