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Ask Our Specialists

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

Q:I am just about to click the purchase button but need to clarify whether this option meets my schools Western Michigan University, requirement: Atlas Exchange - International Student Health Insurance - Health insurance for foreign students or exchange visitors in USA.

A:
Our Atlas Exchange plan meets your school requirements. You can complete the purchase using the link provided. Please let us know if you have any further questions.
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Q:I'm an employee from Saudi Electricity Company (Electricity Utility company in Saudi Arabia), l will be having work assignment as resident researchers with an Exchange Visitors J-1 type visa for 5 Month period starting from 18/Sep/2017 to 16/Feb/2018, at Electrical Power Research Institute (EPRI) in Charlotte, North Carolina, USA. I'm looking for Workers' Compensation Insurance policy "industrial type" complying with North Carolina state laws and regulations to cover us the period of our stay in the US. If you have such Insurance please contact me with Insurance quotation for the above mentioned period, please consider this request as urgent request and come back to me ASAP. Thanks & Best regards

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, we do not offer any worker compensation insurance here at Insubuy. We only offer individual medical insurance policies for new accidents and new illness. If you have any additional questions or would like medical insurance for your stay here in the United States we would be more than happy to provide you with a quote.
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Q:I'm Ecuadorian and I'm planning to buy a insurance for Europe. Specifically, I'm planning to buy the Atlas which has a European coverage. The insurance is a requirement of a scholarship I hold in my home country. I checked that it includes the "Repatriation of Remains". Does this repatriation implies a repatriation to Ecuador even if is not in the European area?

A:
Thank you for contacting Insubuy. The Repatriation of Remains benefit is designed to transport the insured's bodily remains to the terminal nearest your principal residence. If you have any additional questions please let us know.
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Q:I will travel to Texas next week for a 4 month J1 study. A lot of the plans do not cover the Iranian nationals. I don't know what to do. Could you please help me in that respect to find a plan that meet the J1 health standards and covers Iranian nationality as well. Right now I am applying from Belgium, where I have lived for the past three years.

A:
You can purchase Patriot Exchange plan which meets the Standard J1/J2 visa requirements. If you have any additional requirements, please send us those requirements in pdf attachment. Please feel free to contact us if you have any further questions.
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Q:I'm interested in purchasing the best plan which has full coverage for me and my wife. How do I do that and what's the difference between the Atlas Exchange plan 6 months and 12 months?

A:
Pre-existing will be covered up to $500 per certificate period after 6 months or 12 months depends on which plan you go for. Pre-existing conditions means the conditions existing 2 years before the effective date, charges are excluded until 6 or 12 months of coverage and a $500 maximum applies per certificate period (364 days is one certificate period). Please find more information in the policy wording for the Exchange Guard plan. You can call our office and any of our licensed agent will be glad to help you to answer all of your questions.
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Q:Hi I'm an international exchange student and studying at Vanderbilt in this fall semester. Is there health insurance that I can use instead of university insurance? I'm here with J1 visa. Thanks

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plan options available which will meet your requirements. Your University requires a plan which must be Affordable Care Act compliant. We would recommend purchasing from your University directly.
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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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