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Ask Our Specialists

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

Q:Hi, My dad is coming to US on tourist visa for 2 months. He is 67 years. Do you have any health plan for tourists, with that they can get their medical treatments?

A:
Short term plan for an international visitors provides coverage for any new sickness, injuries or accidents that may occur after the eff. Date of the policy. Insurance will not cover any preventive care, elective treatment and pre-existing conditions. Some plan provides coverage for an acute onset of pre-ex. Please find more information at, Acute Onset of Pre-existing Conditions FAQ. Please visit our website and enter appropriate criteria. You will find many plan, narrow your search according to your requirements and you can compare them side by side. If you provide his travel dates, and which state he needs coverage will be glad to send you quote by an e-mail. Please feel free to contact us if you have any further questions.
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Q:I am looking for health care coverage for a trip to Germany from 9/4 until 9/11. I will be 25 weeks pregnant during that time. Does any of your plans offer maternity coverage?

A:
Our Atlas International plan covers complication of pregnancy only up to first 26 weeks. We have one plan is called Safe Travels International which covers complication of pregnancy $2500. Please review the plan details and feel free to contact us if you have any further questions.
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Q:My name is Balazs, I am an international exchange student (scholar) at the University of Georgia for the 2017/2018 academic year. For international students it compulsory to purchase an insurance plan. I found on your website that you offer insurance for exchange students, however, I am not sure whether if it meets the minimum requirements. I contacted the university and they advised me to contact you in mail. I copy the answer I received from the university: " You need to contact the insurance company to confirm the above items are covered under the plan. You also need to confirm that the plan provides you with world-wide coverage. I recommend that you send them the list of the minimum requirements for a waiver. These are: International Students in the F1 and J1 student statuses must have a minimum of the following benefits: - Both accident and sickness coverage - Minimum benefit of $250,000 per policy year ** - A deductible of $500 or less and/or co-pay per individual, per year * - In-patient and outpatient, mental and nervous disorder benefits - Prescription drug coverage - Pay benefits worldwide - Medical evacuation to one's home country and family reunification of not less than $50,000 * - Provision for repatriation of remains of not less than $25,000 * - All Georgia mandated requirements + - International students and scholars, and any accompanying spouse and dependent(s), may be subject to the requirements of the Affordable Care Act. *Federal Standards required for International Students **To meet Federal Affordable Care Act (ACA) requirements your health plan should have no annual benefit Limits. (These requirements are based on the federally mandated requirements of the ACA.) +Georgia mandates coverage for the following benefits to be paid as any other Sickness: Mammography, PAP Smears, Prostate Specific Antigen (PSA) Tests, Chlamydia Screening, Mastectomy, Bone Mass Measurement, Colorectal Cancer Screening, Dental Anesthesia, Diabetes, Surveillance Tests for Ovarian Cancer, Telemedicine, Drug Treatment of Children's Cancer, Bone Marrow Transplants, Postpartum Care, and Mental Illness. I would recommend that you request a detailed policy brochure so you can review the exclusions and limitations." Could you please help me with this, that is let me know whether any of your offered insurance meets these requirements or not?

A:
Since your university requires a domestic plan then the only way to meet their requirements is to purchase the plan that they offer. There is no plan that you can purchase on the market that will meet the requirements as listed. If you have additional questions please feel free to contact our office.
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Q:What is the latest date I can buy insurance for departure from India on September 5th? We are considering Patriot Platinum America & Atlas Premium America.

A:
If you need coverage from Sep 5th to cover her travelling time. You can purchase latest by Sep 4th. Insurance always starts from 12:01AM US EST. Please go to the link for fast comparison between the plans. Patriot Platinum America vs Atlas Premium America Please feel free to contact us if you have any further questions.
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Q:We are leaving on a world tour that will last approx. seven years starting in May 2019. There will be nine of us: Female - 11/12/1970 Female - 03/22/1988 Female - 10/14/1993 Male - 04/08/1986 Female - 06/25/2005 Female - 07/28/2011 Female - 10/12/2012 Female - 09/05/2013 Male - 09/15/2015 We leave from Oklahoma. hit all 50 states, Canada, Baja California and the upper islands in the Caribbean. After that, we will leave north America and will we return in 6 years after traveling the rest of the world. We are all US citizens, good health and updated on vaccinations. If you have any more questions, let me know.

A:
I recommend that you continue with your domestic health insurance while you are touring the U.S. Once you depart the US, you can have the medical insurance for worldwide excluding US (or worldwide if you occasionally plan to be in the U.S.) Please look at various suitable plans at our Expatriate Health Insurance section on our website. You can get the instant quotes, compare them side by side and apply online as well. If you need help over the phone in selecting the most suitable plans, please feel free to contact us at any time.
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Q:Hello, I am a J-1 International Student studying this semester at the University of Kansas, and I need a health insurance for one semester. Can you look up at University Requirements at this link: http://iss.ku.edu/insurance and suggest me the cheapest available plan for me. The important thing is that the University requires the period of insurance from 08/01/2017 to 12/31/2017, this means that I need an insurance also for backward dates, can you provide this?

A:
We are more than happy to recommend plans for coverage however they are only available to start from a future date the insurance cannot be back dated. There is no plan that can be purchased now that would show a 8/1/17 effective date. Please let us know how you would like to proceed.
{{currentOrigin}}/answers/exchange-visitors-insurance/health-insurance-international-student-insurance-for-backward-dates-72671/

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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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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