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Ask Our Specialists

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

Q:I'm in the process of doing market research for international travel insurance. Let me start by saying, I'm not obligating any government monies. We are a government organization that may be interested in a one year blanket purchase agreement from October 2017 - September 2018. Our students come from many different countries and their ages ranging from 25 - 60 years old. There are four - 10 to 11 week sessions a year: October - December; January - March; April - June; and July - September. We would have 12 students in the next session coming up on January-March 2018. We don't get the names, and personal information until about a month before the class start date. We would like a quote for a "no co-pay" policy for medical (urgent care) and emergency dental for coverage up to 1 million. The students will use an urgent care facility near Quantico Marine Corps Base in Stafford, Virginia. We may add more students that are here from 2-5 weeks at a time, but this will be a different timeline. How soon will you be able to provide me a quote?

A:
We can't do blanket policy without prior claim history and census. But most of our group insurance are instant purchase. It can start as early as tomorrow or any future date that you specify. As per your e-mail, you don't get enrollees information in advance. That's not a problem. As soon as you have, you can send those information in a spreadsheet and we will be glad to send you quote within 1-2 business days. Please look at Atlas Group Insurance. You can also find various group plans and their comparison at International Travel Group Medical Insurance. Please feel free to contact us if you have any further questions.
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Q:I am 71 years old male,in sound health,and will require a travel insurance,as a precautionary measure.I will be coming from Mumbai (India) to New York on August 17,2017,via Dubai,for about 4 days, and will be in San Francisco and Las Vegas for about 10 days and 4 days respectively.It will be appreciated if you suggest a insurance plan fro USD 50,0000 or USD 100,000 (if the premium difference is not much between the 2 insured amount),the total trip will be about 22 days.

A:
We provide insurance from most of the major companies in US. If you are looking for $50,000 coverage you can purchase Safe Travels USA Comprehensive plan. For $100,000 coverage you can purchase Atlas America plan. You can also visit our website and enter appropriate criteria. You will find many plans and you can also compare them side by side. If you provide your exact travel dates will be glad to send you quote by e-mail also. Please feel free to contact us if you need any further clarification.
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Q:I'm looking for travel insurance for myself and my husband for our trip to California in September for 3 weeks. Will your policy cover me as I'm pregnant, I will be 18 weeks pregnant at the time of travelling.. I need to know that I will be covered if anything were to happen.

A:
We have one plan is called Atlas America which covers only complication of pregnancy up to 26 weeks. Please find more information in the Atlas America policy certificate. Please feel free to contact us if you have any further questions.
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Q:I am a US citizen living abroad. I am not a resident of the US, and have residency in another country. I have an annual health plan but this plan does not cover me for short trips home to the US. I have an upcoming trip to the US and need to purchase a short term emergency medical travel insurance plan. Will you please advise which plan I might be eligible for? The first time I used your site, it said there were "no results" for someone in my situation. I tried again a few days later and the quote came up with a Liaison International plan. I contacted them to double check, and they said that US citizens are no eligible for their plans. Will you please clarify, and recommend a plan that fits my needs?

A:
You can purchase Diplomat America plan. You get the plan on our website depends on what policy max. you choose. Both plan will provide coverage for USC whose home country is outside US and need coverage in US for a short period of time. Both plan go by home country NOT Citizenship. You can find those information in the policy. Please feel free to contact us if you have any further questions.
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Q:Questions on the quote 90 y/o (Safe Travels for Visitors to the USA $528 for 2 persons, both 69 y/o. Aug 12, 20117 - Feb 3, 2018) - co-insurance? copay? - maximum out of pocket? - all US states covered? - prescription medications covered? - any in-network hospitals/providers? - dental/vision coverage? - urgent care covered? - pre-existing conditions covered?

A:
The Safe Travels for Visitors USA plan will cover the insureds all over the U.S. The plan participates in the First Health PPO network, and we have included a link so you may search for urgent care providers in your area. Short term health insurance plans for visitors are designed to cover new illnesses, injuries or accidents which occur after the effective date of the policy. They will not cover pre-existing conditions, routine doctors' visits, or preventative treatments. This plan will provide coverage for an Acute Onset of a Pre-existing Condition. Since the Safe Travels for Visitors to USA plan is a fixed coverage plan, there is no concept of a copayment or coinsurance. The plan will pay a fixed amount as per the schedule of benefits, and you are responsible to pay the difference. The plan will pay the fixed amounts listed in the schedule up to the policy maximum limit. Visitors Insurance plans generally do not cover dental or vision, however, this plan provides a benefit in the event of a dental accident related emergency. We do offer a dental/vision discount plan by the name of Careington we would recommend reviewing. If you have any additional questions please let us know. You may also obtain assistance by contacting our office at (866) INSUBUY.
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Q:Hi there, sorry to bother, I am trying to buy a insurance for me and my families as J1 and J2 scholar status (one year) in Oregon, U.S. As I understand, the insurance in Insubuy for J should meet the requirement of U.S. government of which on condition is "medical benefits of at least per accident or illness", while Maximum Coverage($100,000.00 for example) of the atlas insurance showed in Insubuy, which I understand from the using guidance is the maximum beneficent for one certificate period (e.g. 1 year), not the benefits for per illness. I am totally confused. Would someone please help me to solve the confusion?

A:
You can purchase Atlas Exchange plan. For Atlas America plan is also says $100k overall policy max. and it's per incident also. Please find the certificate wording at Atlas America Insurance Coverage Details. You can also look at Patriot Exchange plan. All of the plan above meets standard J1 visa requirements. Please feel free to contact us if you have any further questions.
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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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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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

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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.

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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.

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