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Ask Our Specialists

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

Q:I am a US citizen who has lived outside of the US for over 5 years now. I will be back home for 3 weeks to visit, and would like temporary insurance while I am back. I looked at the options and found the below Diplomat America coverage. Please let me know if this covers me (American citizen who lives outside the US, but visiting the US)? And how do I proceed with payment?

A:
You can purchase Diplomat America plan for USC whose home country is outside US and visiting US for a short duration. So either you apply online or give us a call at (866)INSUBUY and will be glad to process the application over the phone. You can do payment online at the same time when you apply. Please feel free to contact us if you have any further questions.
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Q:Looking to purchase insurance that will be accepted by Spanish consulate. I am student that will be in Spain for a little under a year. want to know what is your best recommendation. i know they have a policy in which the medical insurance should cover: mainly 30,000 in major medical expenses and the repatriation of remains in the event of death.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Patriot International plan which meets all the visa requirements. You can also look at various plans on our Schengen Visa insurance section. Please feel free to contact us if you have any further questions.
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Q:I am UAE based resident travelling to USA for 1 month in September 2017. My daughter is a special need and she has few appointments in Johns Hopkins. Do you offer any specific Policy for her ? Please advise urgently.

A:
Thank you for contacting Insubuy. However, there are no short term plans that will cover pre-existing conditions, routine doctors' visits or preventative care. There will not be any insurance plan that you can purchase to cover the cost of medical treatment or appointment already scheduled. These cost will have to be paid for out of pocket. Short term insurance plans cover any new accidents and new illness that occur after the effective date of the policy. Please feel free to contact our office if you need any additional clarification.
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Q:I want to buy insurance for my family and have some queries regarding filling the first and last of the applicants. So the problem is: My sister doesn't have Last Name in her passport and her first name is Shivani. Therefore, as per her passport the name is registered as follows: Given Name: Shivani SurName: i.e Surname is blank, On her US B1 Visa the name is mentioned as: Surname: Shivani Given Name : FNU So my query is what should I put in first name and last name for my sister? Let me know if you have any other queries.

A:
When completing an application if only the first name is given in the passport you will list the first name in the given filed and the last name as LNU. We need to go according to her passport as this will be her identification while in the United States. Please contact our office if you need any additional questions.
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Q:I am a J1 exchange visitor. I will stay in Kentucky from Sep. 15 2017 to Jan. 31, 2018. Would you please recommend an insurance product that offers the lowers price for all the items that are listed in the pdf file attached to this email? Looking forward to your reply!

A:
There are a few recommendations that we can make to meet your Universities requirements for coverage. There is a plan called Atlas Exchange that will meet all of the listed requirements as well as offer options for a pre-existing waiting period of 6 or 12 months your choice. Please use the link for more information about this plan and to run a quote for coverage under this plan. If you have any additional questions please do not hesitate to contact our office for assistance. You can also find additional plans on J1 Visa Health Insurance section on our website.
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Q:I am getting an insurance quotation to cover my trip to USA and Canada staring next two weeks; Before to close the purchase I would request your recommendations .. we are 2 adults and 2 children, 8 and 10 years old. What can you suggest me to buy?

A:
You can purchase Atlas America plan which is family friendly plan so if one parent insured child under 9yrs get insurance at no cost. You can compare this plan with our other plans at our website. If you provide adult age, travel date and which state do you need coverage will be glad to send quote by e-mail.
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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.

Did you know?

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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