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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Buying multiple policies My parents are both over 80 years old, so the amount of coverage I can get is limited. If I buy multiple policies (either from the same issuer or different ones), can I combine the coverage?
Q:I hope visit US and give birth there, I want to ask if can I have a pregnant insurance, How it will coast , and how can I get it?
Q:I have few question regarding the Atlas Exchange rate insurance. Is it eligible for UCLA extension school (F1 visa, see attachment below ) Does this program cover recreational surfing and skateboarding? Would I have to pay if I need to go to a doctor? (if it is not the emergency room) is there any payment for the emergency room? I am doing surf and skate for fun, on a daily basis. so, I need insurance that will cover me in case I get injured from those kinds of sports.
Q:I will be going to the US on a J1 visa with spouse and 2 dependents. I checked quotations for the Atlas Exchange and Patriot Exchange policies. These seem very similar but the premiums are 1000USD different per year. Please could you explain the difference in price? The Atlas policy doesn't seem to charge for children but is there a difference in coverage? Many thanks.
Q:I am an international student who will attend Brown University in Rhode Island next fall. That is why I need an insurance plan that has to cover the Brown Requirements. I am attaching the file that Brown has sent me. In that file you can find the requirements. If 'Student Health Advantage Standard' program fulfills every requirement, I am going to purchase it. However, I wasn't able to compare 'Student Health Advantage Standard' to Brown Student Health Insurance. Could you help me on that and perhaps compare the two for me? I really need help because I didn't quite understand Student Health Advantage Standard's coverage. I really want to purchase this insurance if it is applicable for me. I am forwarding the message that Brown University has sent me about comparable coverage. 'The level of benefits provided through your health insurance plan must be fully-compliant with the Affordable Care Act (ACA) and meet or exceed the benefits provided through the school-sponsored Student Health Insurance Plan (SHIP). Coverage is considered comparable if it provides students with access to local providers and a range of services in and around the area where you attend school. Services include, but are not limited to, preventive and non-urgent care, emergency care, surgical care, inpatient and outpatient hospitalization, lab work, diagnostic x-rays, physical therapy and chiropractic care, prescription drugs, mental health and substance abuse treatment. If your current plan is an HMO, it is very likely that coverage is limited, or not available, outside of the HMO's service area. Before deciding whether or not to waive coverage, compare your current health insurance plan to the SHIP to look at cost-sharing levels (deductibles and coinsurance) and access to In-Network Providers. The amount of your current plan's deductible and InNetwork and Out-of-Network coinsurance may result in high out-of-pocket costs. Plans that are not considered comparable include: plans that only provide emergency services in the campus area, plans that are purchased on a short term basis, plans that are international or travel insurance, or out-of-state Medicaid plans.'
Q:I am going to visit University of California Los Angeles from 4th June to 1st September. I have J1 visa, and my wife and two children J2 visas. My wife and I are 29 years old. My sons are 4 and 1 years old. I need the cheapest plan that covers the duration of my visit and satisfies the requirements below (https://clients.garnett-powers.com/vs/ucla/): $100,000 per accident & illness in medical coverage A deductible not to exceed $500 per accident or illness Coinsurance that does not exceed 25% Medical evacuation coverage must be at least $50,000 Repatriation coverage must be at least $25,000 Pre-existing conditions must be covered by the insurance policy with a waiting period no longer than 12 months. Pre-existing conditions must also have a $100,000 per illness medical coverage. Please note: Policy with coverage for only Acute onset of pre-existing conditions do not meet this requirement. Carrier must be at least A- rated or backed by the full faith and credit of the Exchange Visitor's government.
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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.
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.
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