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Ask Our Specialists

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

Q:Do you have any health insurance product for a US citizen living abroad but coming to US for higher education. My daughter age 18 will be studying in Pennsylvania and residing in campus for about 9 months in 2017-18.

A:
We can short Term plan insurance to her as long as her home country is outside US and after finishing the study she is willing to go back to her home country or you can do Obama care plan for her under special enrollment period. Short Term plan: Diplomat America. Long term plan we don't provide in state of PA. Please feel free to contact us if you have any further questions.
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Q:Is a person who is permanent resident in california suitable to buy Safe Travels for Visitors to the USA?

A:
Thank you for your interest in purchasing insurance through us. No, a person who is a permanent resident is not eligible to purchase Safe Travels plan. Where do you need coverage? In US or Outside US. Inside US- You can purchase any of the plans from our New Immigrant Insurance section. Outside US- Travel Health Insurance Please feel free to contact us if you have any further questions.
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Q:To whom it may concern, I am travelling to Emory University in America, from Ireland on the August 13th 2017 to December 15th 2017. Emory University, the University I am travelling to has certain health insurance requirements. I am hoping you can assist me in meeting these requirements and helping me to purchase an insurance plan from you. The following requirements are listed below: In order for an insurance plan to meet the Emory University mandatory insurance waiver criteria, the insurance plan must feature, at a minimum, all three of the following: * Coverage that allows the insured student to receive outpatient, emergency, specialist and inpatient care, diagnostic testing and procedures, and mental health inpatient and outpatient care, including alcohol and substance abuse treatment, in Atlanta, GA * A deductible not greater than $2,500 per policy year. If the annual deductible exceeds $2,500, the insured student must have an approved Healthcare Savings Account (HSA) that will allow the student to seek needed medical and mental health care when recommended by a healthcare provider and will cover all deductible expenses over $2,500. * The insurance must be provided by an insurance company domiciled in the United States (or must be provided by an international insurance company with a United States partner for handling of insurance claims in the United States). Yes. In addition to the coverage requirements listed for all students, International Students must have insurance that meets the following additional requirements: Coverage for medical evacuation and repatriation of remains to the Insured Person's place of residence in his or her home country ($10,000 for evacuation, $7,500 for repatriation) For J-1 exchange visitors and their J-2 dependents, the U.S. Department of State regulations require that the health insurance plan must also meet one or more of the following criteria: Part of a group benefits program offered to enrolled students by a designated sponsor, or A health maintenance organization (HMO) that is federally qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human services, or A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human services, or Underwritten by an insurance company having an AM Best rating of "A-" or above, an 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.

A:
You can purchase either Student Health Advantage Platinum or Navigator Student. Please feel free to contact us if you have any further questions.
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Q:Kindly confirm whether the Atlas America Comprehensive plan complies with the requirements as set by Georgia State University. It is for a foreign student studying on a J1 Visa.

A:
Thank you for contacting Insubuy for your insurance needs. The Atlas America plan is compliant and will meet the requirements listed on your in your waiver form. If you need any additional clarification please contact our office.
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Q:Could you please explain the process of the benefit? If I got hurt, do i need to come to the right hospital about the insurance? And How can i get cover compensation later when the travel done?

A:
You would go to any provider. If you pay the provider directly then you would submit a claim form that can be found on our website under client center.
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Q:I try to have travel insurance for multi trip. I live in LA now as J1 visa status, but the visa has been expired. Trip Schedule :8/26-9/20 : Mexico, Cuba, Canada And my final destination is South Korea. After the trip I am planning to stay in Korea. So i just need the insurance during the travel time. Please let me know the right basic insurance. Then I would take one.

A:
Thank you for contacting Insubuy for your insurance needs. The plan we would recommend is the Patriot International plan. You can obtain a quote for all available plans on our Travel Health Insurance section in on website by entering the required information and clicking on get quotes. If you need additional assistance please feel free to contact our office.
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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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