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Ask Our Specialists

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

Q:I'm starting my graduate program in Queens College, Flushing this fall, 2017. I am 44 years old female and my 5 years old son is coming along with me during my duration of study (approximately two years). I am hoping to find an affordable health insurance for both of us. Upon that, I am currently under hyperthyroidism medication and the thyroid is so far under good control.

A:
Short term plans will not cover routine maintenance for the pre-existing conditions. So anything related to thyroid will be considered as pre-existing conditions. We provide insurance from many companies. But before we suggest any plan would like to know is there any specific insurance requirements from your school? If yes, please send us in pdf attachment. Meantime, please get quote online at: International Student Insurance Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:Good morning, I will be studying this fall semester in the university of Virginia as a international exchange student with a J1 visa, and i am looking for a health insurance that meets the requirements of the university, (look in ";what is a comparable coverage?" : https://www.virginia.edu/studenthealth/hardwaiver.html ) do you have any plan that meets this requirements? Thanks for your time.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, We don't provide ACA Compliant plan. You have to purchase insurance through your school.
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Q:I am a US citizen; however, I have permanent residency in Portugal (and am covered by their national health insurance). I would like to purchase temporary insurance for a short trip back to America (14 days), but am getting confused by some reference to "home country" which seems to say insurance doesn't cover in "home country" and has USA exclusions. It seems that Portugal is my home country and I can purchase insurance from your company. Can you confirm?? Any advice or suggestion is appreciated. I'm looking for high deductible plan for emergency purposes only. Am 57 female. Thanks.

A:
There is a plan called Diplomat America that would be available to you as a U.S. citizen traveling to the United States for a brief visit. The plans eligibility is based upon the insureds home country. So if Portugal is considered to be your home country then you would be eligible to purchase the Diplomat America plan. Please feel free to contact our office if you need any additional assistance.
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Q:Is being transgender considered pre existing? My son will be traveling abroad to Norway for 11 months and will need to get his testosterone prescribed over there by a doctor. would something like this cover doctor visits and his medications?

A:
Short term plan will cover whatever treatment medically necessary as long as it's not pre-ex, preventive care or elective treatment. So the benefits you are looking will be excluded from the policy.
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Q:I wish to find out if your medical insurance will also cover our group in case of any form of accident . We are planning to Visit the USA for a period of two weeks with a group of Chinese Students.

A:
Yes, Patriot America Group Insurance will cover any new accident, sickness or injuries that occur after the insurance eff. date. Insurance will not cover any pre-existing or preventive care. You can find Patriot Group plan information in Chinese at the following link: Patriot Group Insurance. If you need any help in understanding how plan works, We have a Chinese representative and he will be glad to help your students. Please compare our group plan insurance at International Travel Group Medical Insurance. You can also send us student information like their date of birth, gender, name , start date, end date and their citizenship, We will be glad to send you quote by e-mail. Please feel free to contact us if you have any further questions.
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Q:I'll be an Iranian freshman at Manhattanville College this fall and I was wondering what are my best and most affordable options.

A:
Thank you for contacting Insubuy for your insurance needs. Does your college have any requirements that need to be met? If so, please provide the requirements in a PDF attachment for review. The available plans will have a waiting period for pre-existing conditions if that benefit is offered. You can also contact our office to speak with a licensed insurance agent for more assistance.
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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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