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Ask Our Specialists

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

Q:Please i want to find out from you if is possible for me to purchase an insurance Policy with exactly maximum benefit of $400,000. i find out from your maximum benefits and i realized that they are in ranges eg from $200,000 to $300,000, $500,000 to $600,000, . I am Addo Daniel from Ghana and currently in the US . the institution i found my self requires that before my wife can join me i need an insurance policy with a maximum benefit of $400,000

A:
Thank you for contacting Insubuy for your insurance needs. What is your wife's visa status? Is there additional requirements that must be met? To meet the $400,000 requirement you would have to purchase the plan that offers $500,000 since there is no plan offering a $400,000 policy max. If you have additional questions please feel free to contact our office.
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Q:I live in Nashville/Tennessee and on this summer 7th july i am planning to travel to sweden where i will be for a couple of 86 days. Embassy of sweden has asked me a letter for confirmation from any insurance company which proves that i have this travel medical insurance. Can you provide me such coverage?

A:
Thank you for contacting Insubuy for your insurance needs. You may purchase any plan in the Schengen Visa Insurance section of the website. The most popular plan in this section is the Atlas International. Shortly after purchase you will have access to download your visa letter. If you have any additional questions please let us know.
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Q:I have purchased several times from you before. I would like to get your recommendation now on purchasing for a 80 year old female travelling from India to the US and Canada for 169 days. Would like to get something which has coverage for pre-existing.

A:
Thank you for contacting Insubuy for your insurance needs. Based on the age of the insured, we would recommend purchasing the Safe Travels USA Comprehensive coverage plan. This plan will provide coverage internationally as long as the primary destination is the United States. This plan is primarily designed to cover new illnesses, injuries or accidents which occur after the effective date of the policy. Please use the link to review the plan details and purchase.
{{currentOrigin}}/answers/visitors-medical-insurance/recommendation-on-purchasing-health-insurance-indian-citizen-traveling-to-canada-usa-54295/

Q:I would like to get some information about the coverage area for the mentioned insurance (Atlas), i am planning to cover this insurance for no-US citizen and is planning to travel around ONLY inside America. Do you have the America-only coverage policy or it has to be worldwide including america? Is there a price difference between these two?

A:
Thank you for contacting Insubuy for your insurance needs. The options are worldwide including US and Worldwide excluding US. The price is based on coverage in the US vs outside of the US so if the plan was only providing coverage in the US the price would remain the same. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/worldwide-including-us-and-worldwide-excluding-us-price-difference-85129/

Q:My wife is in Houston (Tx) for an year on L2 visa. She is not working in USA and she is not covered by my employer insurance. We are primarily citizens of India.

A:
Based on the information provided below we would recommend purchasing the International Major Medical plan. If you have any additional questions please let us know.
{{currentOrigin}}/answers/other-insurance/l2-visa-insurance-options-88898/

Q:I would like to ask because I will be travelling on August 11 but the start or the effective date of my health insurance is on august 12 is that ok? because i am thinking that the start of my health insurance is the arrival date to the country I am going please i need help if i could make it on august 11 the start or the effective date instead of 12

A:
If you would like to start your insurance on August 11th you are able to do so. Please send a written request to service at insubuy.com in the subject line of the email state your certificate number and the words coverage date change. In the body of the email state the change that is to be made and authorize the processing department to charge the card on file for the difference in premium. If you need any additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/visitors-medical-insurance/health-insurance-effective-date-of-policy-22685/

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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