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Ask Our Specialists

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

Q:I purchased diplomat america plan which expired 8/16. Can I extend until August 29th? My wife and two kids are going back to Korea today but I need to extend my trip until the 29th.

A:
Diplomat America plan is not renewable. You can process the new application using link below as long as you are travelling back to your home country, Or give us a call at (866)INSUBUY and will be glad to process the application over the phone.
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Q:Shortlisted Atlas america Comprehensive Plan.. Will it cover my medical costs if i Buy it from India and then stay in Seattle for 4 weeks and visit Maryland for 4 or 5 days.

A:
Atlas America plan you can purchase before your arrival in MD or WA state. You can't purchase Atlas America plan if you are physically located in WA or MD at the time of application. So please go ahead and purchase the Atlas America plan using link before you depart from your home country. Please feel free to contact us if you have any further questions.
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Q:I may choose Patriot International for Schengen travel insurance.So how long will it take to get by mail?

A:
Your policy documents will be provided by email as soon as you complete the purchase. An ID card and/or certificate wording will be sent by mail after 7 to 10 business days. Please feel free to contact our office if you need additional assistance.
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Q:My name is Gianne, I'm Brazilian and I'll spend the next 4 months studying at the University of Illinois. I need to get health insurance according to the university requirements. Send below. I would appreciate the values of your plans. I am 35 years old, I will arrive on August 21st and will return to Brazil on December 22nd. MAINTAINING INSURANCE COVERAGE Health insurance coverage is required for all J-1 exchange visitors and their dependents. For general information about health insurance, please click here http://isss.illinois.edu/scholars/pre_arrival.html#insurance The U.S. Department of State has established minimum requirements for insurance coverage in order to protect J-1 participants and their family members in case of illness or accident. These requirements include: - Maximum coverage for medical benefits cannot be less than $100,000 per accident or illness. - If you should die in the United States, your insurance must provide at least $25,000 to send your remains to your home country. This is called "repatriation of remains." - If, because of serious illness or injury, you must be sent home on the advice of a doctor, the insurance must pay up to $50,000 for the expenses of your travel. This is called "medical evacuation." - The deductible cannot be more than $500 per accident or illness. This is the amount you would have to pay before the insurance company pays anything. Many policies have a much lower deductible, which is good for you. - The insurance must pay at least 75% of covered medical expenses. After you have paid the deductible, an insurance policy usually only pays a percentage of your medical expenses and you pay the rest. The percentage you pay is called co-insurance or a co-payment. - The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry. - The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by the State Department (an A.M. best rating of A- or above, and Insurance Solvency International Ltd. (ISI) rating of A- or above, a Standard and Poor's Claims-paying ability rating of A- or above, or a Weiss Research, Inc. rating of B+ or above). - Most insurance policies exclude coverage for certain conditions. The J-1 regulations require that if a particular activity is a part of your exchange visitor program, your insurance must cover injuries resulting from your participation in that activity.

A:
See the links for more information on a couple of the plans we recommend. Atlas Exchange Patriot Exchange Program If you need additional assistance please feel free to contact our office.
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Q:A group of us are travelling to USA from New Zealand to travel Route 66 on motorcycles. We have travel insurance and Motorcycle insurance arranged but neither cover liability if in control of a vehicle. The motorcycle insurance policy offers all but liability but you can take out an extra "Supplemental Liability" policy with them to cover at $15 per day. Do you offer any policies that will cover the same? If not, any recommendations/suggestions? We do not require travel/medical, just a policy for 3rd party liability, but if a package must be taken to include the required, then a possible cost

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, we don't offer 3rd party liability while operating a motorcycle. If you have additional questions feel free to contact our office.
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Q:I'm an international student from Jamaica and I'm about to start my fall semester at Florida International University. The school has a set of minimum requirements that I'd like to ensure you guys meet before purchasing a plan with you.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plans available which will meet your requirements. 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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