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Ask Our Specialists

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

Q:Does the comprehensive plan provided by Atlas: 1. covers urgent medical attention and/or emergency hospitalization or death? 2. will pay directly the providers in the Schengen countries for emergency medical expenses, emergency hospitalization and repatriation for medical reasons or death? When I purchase the policy will it list the above as I need the information clearly stated for visa interview at the consulate.

A:
Yes. Atlas International plan meets Schengen visa requirements. Please look at the sample id card and visa letter here. You will find various plans that meet Schengen visa requirements here. Please feel free to contact us if you have any further questions.
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Q:Hi, I am an international student in Indiana university and I am looking for a proper health insurance to buy. But I don't know if the smart plan for Student Secure can be accepted by my school. I compared the benefits of the plan to the requirement of my school but there are some terms that I don't understand. So could anyone help me to make sure that. Minimum Coverage Requirements: - Maximum $2,000 Out-of-Pocket expense - Covers all Pre-existing Conditions with no waiting period - Minimum $100,000 for each Sickness/Illness - Minimum $100,000 for each Accident/Injury - Minimum $50,000 for Medical Evacuation - Minimum $25,000 for Repatriation - Minimum $500 Deductible

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plans available which will meet the requirements provided as you require a plan which "covers all pre-existing conditions with no waiting period". If you have any additional questions please let us know.
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Q:Hi, I am looking to insure myself (and the rest of our trekking group) for an expedition hike to Kilimanjaro 5895m. I am having difficulty checking through the internet if this is covered on your plans. Please can you provide me with a quote of how much this would be and what it covers? Also, please can you give me 2 separate quotes, one for myself and one for a group of 11 people (different ages).

A:
We would recommend purchasing the Atlas International Plan. This plan is primarily designed to provide coverage for a new illness, injury or accident which occurs after the effective date of the policy. It will also provide coverage for medical evacuation/repatriation. Please use the links provided to view the plan details, obtain a quote and purchase. Mount Kilimanjaro Travel Insurance If you have any additional questions please let us know.
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Q: I have been accepted into Thomas Jefferson University (Philadelphia). I am into a nursing program. My program requires me to have a gold or platinum insurance plan, which can cover 80% of expenses. Can you International students plan cover it? I am on my F-1 visa currently.

A:
Thank you for sending us the requirements. Unfortunately, there are no plans available since you require a plan which Is Affordable Care Act complaint. We would recommend purchasing from your University directly. If you have any additional questions please let us know.
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Q:I have an insurance I am now shopping around for my mom, age 77 yrs. She is Canadian citizen, and California resident. Her insurance does not cover medical to Vancouver bc Canada. She would like to make some infrequent trips to Vancouver Canada to visit her daughter. What insurance product will cover her for major medical without the need to reapply with every trip. I think she might be making 2-4 trips in a year of varying length. We don't require or request any other insurance type other than medical ( in case she requires emergency services, ambulance, hospitalization) . But in this case I am looking for most cost effective coverage within Canada that is also flexible up to 180 days. Please send reply. I booked her already to depart San Francisco on Aug 10, 2017.

A:
We would recommend purchasing a plan for each trip based on the information provided. You may purchase a plan from the Travel Outside USA section. One of the most popular plans in this section is the Patriot International Insurance. You may purchase online by using the link provided, or over the phone by contacting our office at (866) INSUBUY.
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Q:Hi, I am planning to take Atlas Exchange Pre-EX plan for more than six months, is that ACA compliant plan?

A:
Thank you for contacting Insubuy. The Atlas Exchange plan is not ACA compliant, as this plan has an exclusion for pre-existing conditions and provides coverage up to a policy maximum. If your University requires an ACA complaint plan we would recommend purchasing from them directly. If you have any additional questions please let us know.
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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.

Did you know?

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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