- Share
- Search
Site Search
- Contact
Contact Us
Speak to a licensed and experienced insurance agent in the United States.
- Office Hours:US Central Time
- {{allSevenDays}}
- Mon-Fri
- Current Time:
- Call Us:
Toll-Free: +1 (866) INSUBUYToll-Free: +1 (866) 467-8289- Local: +1 (972) 985-4400
- WhatsApp: +1 (972) 795-1123
- Chat With Us:
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
中文- Language语言Idioma日本語한국어عربيةItalianoРусский
Change Language
There was a problem, please make the requested changes and submit again:
Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Me and my family have been on a j1/j2 visas for last 2 years, and my work ends at the end of this July. We are heading to a trip across USA from August 1- August 24, and need medical insurance. I will be covered, as before, through my work until the end of July, but what plan do you suggest for August through your company? The visa will still be J1/J2, because its valid for a month after finalizing work, but I won't be enrolled in the program.
Q: I am wanting to purchase Atlas Essential for 13 months. I am restricted to 364 days. After 364 days can I renew for approx one month? I have a J1. The requirements are as follows: - Medical benefits of at least $100,000 per accident or illness. - Repatriation of remains in the amount of $25,000. - Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000. - A deductible not to exceed $250 per accident or illness. - Waiting period for pre-existing conditions of 6 months (current industry standard). - May include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness. - Policy must be secured to meet the benefits requirements and be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" 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. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country.
Q:I am looking for insuring my trip to Europe for two people. I will also need a letter explicitly stating that the policy will be valid for medical, hospitalization and repatriation expenses during the whole stay, covering at least the amount of 30,000 Euros. Can you provide a quote for the same and confirm if you can provide the letter? Our Details: Citizens of India Currently residing in Massachusetts, USA Travel dates are 8/29 to 9/10 (we would like to insure the trip for 5 extra days)\ Trip cost: $2,800
Q:I want to see what I am buying before committing to Insubuy. How do I obtain policy for review before purchase?
Q:I am a J-1 Visa Exchange student who will be studying at the University of Virginia for the 2017 Fall Semester. I am a New Zealand Citizen and live in New Zealand. The University of Virginia requires International Exchange students to have Comparable Coverage Health Insurance Which of your insurance plans would cover all of the requirements below?: "In order to be considered comparable coverage, a student's health plan must meet the following seven specific requirements for 2017-2018: 1. The plan is provided by a company licensed to do business in the United States with (a) a U.S. claim payment office, (b) a U.S. telephone number, (c) plan literature available in English, and (d) benefits provided in accordance with the Affordable Care Act (ACA). The following programs do NOT qualify as comparable coverage: 1. Travel insurance does NOT qualify. Travel insurance is in effect for a short period of time (60-90 days, for example) and is designed for brief trips. 2. Reimbursement programs of any kind do NOT qualify, including reimbursement arrangements or vouchers from home governments or their U.S. based consulates. 2. The plan provides both in-patient care and outpatient care (including visits for behavioral health care) within a 75-mile radius of the Charlottesville area. Coverage for emergency-only care does NOT satisfy this requirement. 3. The plan provides unlimited coverage for major medical benefits per sickness or injury. Insurance that fails to cover or limits coverage for pre-existing conditions is NOT acceptable. 4. The coverage will remain in effect for all semesters in which the student is enrolled for the 2017-2018 academic year. 5. You will be held financially responsible for payment of all charges not covered by your health insurance plan. 6. The plan provides a minimum of $10,000 in coverage for repatriation/medical evacuation to my home country or return of mortal remains. If you have a parent or spouse who lives in the United States and will assume financial responsibility for any such costs, you may waive out of this requirement provided you are not a J-1/J-2 visa holder. 7. The plan does not have a deductible greater than $500.00 (U.S.)."
Q:My daughter is currently in the US and will be spending a month in Europe and another two weeks in Mexico till the end of this year. I am interested in the Patriot America Plus and want to make sure she will be covered in those countries as well.
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More