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Ask Our Specialists

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

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.
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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.
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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.
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Q:I am just wondering what policies cover any mental health issues that may arise during the policy? What incidents would be covered? B1 visa, traveling to California.

A:
The Safe Travels USA Comprehensive plan does cover mental health up to $2,500 but it would have to be a new mental illness that occurs after the effective date of the plan. Please feel free to contact our office if you need additional assistance.
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Q:Does International Major Medical plan cover acute conditions, such as acute appendicitis?

A:
This plan is designed to cover new accidents and new illness that occur after the policy. As long as it is considered to be a new ailment it could be covered, this will be determined at the time of the claim using the attending physicians notes in accordance with the certificate wording of the plans. If you need any additional clarification please contact our office.
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Q:Could you recommend any insurance that would cover potential cholelithiasis?

A:
There are some policies that will cover an Acute Onset of a Pre-existing Conditions for those under the age of 70. Please use the link for more information about the benefit and how it works. Plans do not cover routine doctor's visits , preventative care, nor any medications as it related to Pre-existing Conditions. If you still have any questions please contact 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.

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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