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Ask Our Specialists

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

Q:I hope this email finds you well. I am 25 years old from America and am still on my parents Health Insurance. I will be turning 26 at the end of the year, which means I will be needing to find a new Health Insurance! I am trying to apply for a VISA so I can attend cooking school in South Africa for 2018, but before I can apply I need to sort out Health Insurance in order to be able to live there. I am also a Type One Diabetic, preexisting conditions are quite the pain. I was hoping I could speak to you and get some quotes and maybe get a little more information, anything would be helpful!

A:
There are many plans that will cover you outside of the United States however plans will not cover the pre-existing conditions. The plans are designed to cover the new accidents and new illness that happen after the effective date of the policy. Unfortunately, if you are in need of routine medical supplies or visits as it relates to your pre-existing condition there would not be plan that we could offer to you. At most plans will cover a Sudden and Unexpected Recurrence of a Pre-existing Condition. Please use the link for more information about this coverage. If you are interested in a plan that will offer this benefit please feel free to inform us and we can recommend a plan that will offer this.
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Q:Hello. I want to visit USA soon and I want to know if I visit USA and i give birth there Is the insurance will cover the hospital bill.?

A:
Unfortunately, there is not plan on the market that will cover the cost of maternity or birth for a visitor into the United States. If you plan to deliver in the United States you will have to pay for this out of pocket. Please read the Pregnancy / Maternity FAQ for more information.
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Q:I filled out the form BUT it doesn't let me to finish the process indicating that due to my nationality I can't purchase the insurance! I am a F2 visa holder from IRAN living in United States because of my husband is doing his PhD here. I really appreciate you clarify this issue for me and guide me on purchasing an insurance. I have also attached the screenshot of the error message that the system returns

A:
Thank you for contacting Insubuy. The Atlas series plans are not available for purchase if the home country or country of citizenship is listed as Iran. So unfortunately you are not eligible to purchase this plan. At this time there will not be a plan that we can offer you for coverage it is recommended that you enroll into a domestic insurance from your spouse sponsoring organization if possible.
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Q:I am located in Seattle (in WA state). I was looking to buy my parents travel insurance while they are visiting the me in Seattle starting on May 18. I was going to buy the atlas insurance but it says person should not be located in WA. My parents arrive on may 18. But I would be buying the insurance online for them so does the restriction apply?

A:
Yes. Your parents are eligible to purchase Atlas America plan. Under the Atlas America plan insured person should not be physically located in WA at the time of application. So you can purchase before their arrival in WA state. Please feel free to contact us if you need any further clarification.
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Q:I am looking for insurance for my parents who are visiting USA. I would like to know if the Atlas Essential America plan includes Dental coverage as well. Or can you please let me know if there is any similar plan covering dental as well?

A:
Atlas America and Atlas Essential plan are medical insurance. Atlas America plan pays for an acute dental pain $250 while Atlas Essential plan does not cover. Both plan covers dental accident related emergency up to policy max. You can purchase a separate dental discount plan- Careington plan. You can purchase medical insurance from our website. Please feel free to contact us if you have any further questions.
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Q:Hello, I purchased this policy with the understanding that it could be used by a US citizen traveling from outside the US for a brief visit. I currently reside in Vietnam and will be traveling to the US for 24 days. Will this policy work for my circumstance? Would I be able to cancel this policy and chose another appropriate policy? Here is my policy info: DIPLOMAT AMERICA

A:
The insurance you have purchased will provide coverage outside your home country. Even though you are US citizen but your home country is Vietnam and you are travelling US for a short visit. So you are eligible to purchase this policy. Please feel free to contact us if you need any further clarification.
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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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