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Ask Our Specialists

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

Q: I'm a Japanese grad student studying at University of Hawaii at Manoa and am planning to purchase Atlas Exchange for the upcoming semester. In order to purchase an appropriate student insurance that I need, I'd like you to review the following conditions which are required by the university: *Comprehensive medical coverage = at least $100,000 US per accident/illness *Inpatient/Outpatient medical (including mental health) coverage at no less than 75% usual/customary charge (UCC) *Repatriation coverage = at least $7.500 US *Medical evacuation coverage to home country = at least $10,000 US *No more than $500 US deductible per accident or illness *Waiting period for pre-existing conditions no longer than 6 months.

A:
Thank you for contacting Insubuy for your insurance needs. This Atlas Exchange plan will not meet your Universities requirements as it does not offer coverage for mental health as required. There is a plan called Study USA that will meet all of the listed requirements for coverage. If you need any additional assistance please contact our office.
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Q:I will be joining Texas Tech University as a international freshman this fall 2017. I'm looking for an insurance plan to cater to school's health insurance requirement. Therefore, I wonder what kind of plan could you offer me.

A:
Your school wants you to have ACA compliant plan. We don't provide any ACA compliant plan. You have to purchase insurance from your school.
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Q:I will be attending Carnegie Mellon University (Pittsburgh, Pennsylvania) this fall. Do you have any insurance policy for international students that covers their requirements?

A:
Unfortunately, we don't have any plan that meet your school requirements. You have to purhcsae insurance from your school.
{{currentOrigin}}/answers/international-student-health-insurance/f1-student-insurance-carnegie-mellon-university-93214/

Q:Will complete graduation from stanford university and complete Vaden Health Insurance period ending 31-Aug-2017. Now while on OPT for international student need full coverage no deductible medical insurance.

A:
You need some insurance that provides full coverage. Can you please provide more information on full coverage. If you have some insurance requirements, please send it to us so that we can suggest some insurance plan accordingly. You will find OPT insurance here. Please feel free to contact us if you have any further questions.
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Q:I learned from your site that you provide the captioned insurance for travelers from outside USA. I want to know how many days of coverage can I get when I buy an annual travel plan (say 364 days)? What I mean is I heard that usually an annual travel insurance plan only covers the first 90 or 180 days for the traveler unless they go back to their own country and back again on their travel to get another 90 day or 180 days of travel coverage under the same plan, but if they don't go back to their own country they don't get anymore coverage after the first 90 or 180 days. Is it the same for the insurance plans that your company provides? Age: 37 Citizenship: Hong Kong Destination: Colorado, USA Coverage: 6 months to one year (depending on the fee)

A:
In that case you need to purchase single trip insurance. You can purchase either Atlas America or Patriot America Plus plan. You can compare these plans on our website. We have sent you quote in a separate e-mail also. Please feel free to contact us if you have any further questions.
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Q:I am a research scholar with J1 visa and two children (dependents-J2) originally from Iran currently at Missouri University of Science and technology. I need to provide insurance to waive my current Aetna insurance by August 1st. Enclosed are the insurance waiver forms which include the requirements. I want to buy insurance from Atlas Essential America. But it mentioned the paper application necessary for Iranians. So please tell me how can I do this from here. I look forward to hear from you.

A:
Your University didn't list any additional requirements that need to be met so the plans in the J1/J2 Visa Health Insurance section of our website will meet the standard requirements. To purchase the Atlas Essential you would have to complete the application and then scan and email back. You can also fax the application if you prefer to 972-767-4470. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/j1-visa-holder-health-insurance-missouri-university-of-science-and-technology-requirements-22957/

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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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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