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Ask Our Specialists

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

Q:Hi, we live in the state of Washington in Sammamish, WA. There is note in you webpage regarding eligibility, quoting "The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase." I'm presently in India and will be travelling to the state of Washington on Sunday. Would like to purchase "Atlas America" for travel and medical insurance for my mother who will be 68 year old this August. We will be living in the state of Washington (Sammamish, WA) during her stay in USA. Will the Atlas America cover her medical insurance while she is in WA, USA ? Please reply at earliest, as I intend to purchase it ASAP.

A:
Yes. Your mother is eligible to purchase Atlas America plan. The rule is that insured person should not by physically located in WA at the time of application. So you can purchase before her arrival in WA state. She will get coverage worldwide excluding India and nationwide coverage in US without any problem. So either you apply online or give us a call at (866)INSUBUY and will be glad to process the application over the phone. You can also compare Atlas America plan with our various other plans at our website. Please feel free to contact us if you need any further clarification.
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Q:Hi, I will start working at the University of Arizona, Tucson from middle of August this year with J1 research scholar visa. The health insurance provided through the University is effective from August 28th. So I am wondering whether I will be able to buy a medical insurance from you to cover my time in US till 28th August. Please note that I am currently living in Japan. Please let me know what insurance I should apply (for e.g.: J1 visa insurance from you).

A:
Thank you for contacting Insubuy for your insurance needs. Yes, we have plans that you can purchase for the time when you arrive until you are eligible for the insurance through the University. You can search for plans on the J1 Visa Health Insurance section on our website by entering in the required information and clicking on search and compare. The plans I recommend are the Atlas plans. If you have additional questions or need additional assistance please feel free to contact our office.
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Q:My name is Vera, I'm from Russia. I'm planning to give birth to my child in the United States approximately 15-20 November 2017 (I am now 23 weeks pregnant). We would like to receive information about the organization of childbirth in the United States: affordable health care (hospitals, doctors), pricing, organization of stay in the U.S. before and after giving birth, the paperwork for the child. In particular, we are interested in the question of whether I, as a non-citizen of the United States, residing in the country on a tourist visa can have medical insurance coverage that covers the costs of pregnancy and with its help give birth in the United States? Could you help us and send information about our questions or to recommend to whom can we turn?

A:
Unfortunately, there is no insurance for an international visitor which covers pregnancy. You have to pay from your pocket.
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Q:May I check whether the health insurance plan provided by your company fulfills all the Vanderbilt University requirements?

A:
Thank you for your interest in purchasing insurance through us. We don't have any plan that meets your school requirements. You have to purchase insurance from your school.
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Q:I'd like to buy the J-1 Health Insurance for my full duration (from AUG/01/2017 to JAN/31/2018) of visiting at Thomas Jefferson as a Exchange Visitor. The Minimum Requirements for Health Insurance Coverage are as below: 1. Medical Insurance: $250,000 2. Repatriation of Remains: $25,000 3. Medical Evacuation: $50,000 4. Deductible: no more than $500 . I would be grateful if you could send me the quotes by e-mail. Thank you very much

A:
You can purchase Atlas Exchange plan with $250,000. You can compare Atlas Exchange plan with various other plans, Please select policy max range $200,000-$300,000 at our J1 Visa Health Insurance section on our website. Please feel free to contact us if you have any further questions.
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Q:We are a family of four (husband, wife, and two children < 10 years). We arrive on an E2 treaty visa (non-resident alien) which is applicable to the three of us, except my son who is a US citizen. Our plan was to opt for insurance that covers us from 3rd August 2017 (we arrive in the US on 2nd August) till 31st January 2018. This is because there are no enrollment windows for regular insurance open at the moment, by 1st Feb we should have access to employer insurance from my business in the US. We will have a legal address for Maryland and for Pennsylvania.

A:
When you arrive into the United States with your visa type that would essentially qualify you for a special enrollment period upon your arrival that allow for you to enroll into a domestic insurance plan within 60 days of your life changing event which would be your arrival into the United States. There is a plan called International Major Medical that you can purchase for coverage if you are using an address outside of Maryland. This plan is available only until you are eligible to enroll into a domestic insurance plan, you will still be responsible for any penalties that may be assessed for not having a complaint plan. If you need any additional assistance please feel free to reach out to 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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