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Ask Our Specialists

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

Q:I am a Chinese in mainland China, I will fly to the US for psychological therapy. I will stay in the US for 1-2 months. I may consult an out-of-network Licensed Marriage and Family Therapist.She only accept PPO plan. I want to know if there are insurance that fits me. I want to buy a insurance which can pay a large proportion of my fee spent on therapy.

A:
Unfortunately, there is no plan on the market to cover the below situation for someone who is visiting the U.S. Short term health insurance plans for visitors are designed to cover any new illness, injury or accident which occurs after the effective date of the insurance. They do not cover pre-existing conditions, immunizations, or routine doctors' visits. If you have any additional questions please let us know.
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Q:Hi! I am doing an internship in the US (California) for 3 months under J-1 visa. I am a 23 year old Finnish citizen. What insurance meets the J-1 requirements? I was told it at least needs to have: 1. Medical benefits of at least $100,000 per accident or illness 2. Repatriation of remains in the amount of $25,000 3. Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000 4. A deductible not to exceed $500 per accident or illness 5. Any insurance policy secured to the above requirements must be underwritten by an insurance corporation having an A.M. Best rating of "A-" or above; a McGraw Hill Financial/Standard & Poor's Claims-paying Ability rating of "A-" or above; a Weiss Research, Inc. rating of "B+" or above; a Fitch Ratings, Inc. rating of "A-" or above; a Moody's Investor Services rating of "A3" or above. Insurance coverage backed by the full faith and credit of the government of the Exchange Visitor's home country shall be deemed to meet this requirement. What insurance would meet these requirements?

A:
You can purchase Atlas Exchange plan with 12 months pre-ex. Which meets all of your school requirements. You can also find various plans that meets J1/J2 visa requirements at our J1 Visa Health Insurance section in our website. Please feel free to contact us if you have any further questions.
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Q:Hi, I would like what insurance plan fit my need as visitor scholar. The university give this minimum requirements: 1- medical benefits of at least 100,000 USD per person, per accident/illness. 2- repatriation of remains: 25,000 USD 3- Medical evacuation of the exchange visitor to his or her home country: 50,000 USD. 4- Deductible not to exceed 500 USD per accident/illness. 5- Co-insurance not to exceed 25% of the covered benefits per accident/illness.

A:
You can purchase Atlas Exchange plan with 12 months pre-ex. Which meets all of your school requirements. You can also find various plans that meets J1/J2 visa requirements at our J1 Visa Health Insurance section at our website. Please feel free to contact us if you have any further questions.
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Q:My wife and I intend to travel from India to USA on July 14, 2017, stay five weeks, travel to Canada, and return home to India from Vancouver after two weeks in Canada. I notice from a previous 4-month travel to the USA in 2016, that our Patriot America policy purchased through Insubuy covered USA and Canada. I selected Coverage Area as "USA and During Travel", and found options as attached. Q: Will the Atlas America policy cover my travel to USA and Canada?

A:
The Atlas America plan will cover anywhere outside of the proposed insureds home country. As long as the information entered in on the quoting screen is accurate this plan will offer coverage for USA and Canada. Feel free to contact our office for additional assistance.
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Q:I am writing to ask about your travel insurance. I am Chinese and HK residence (not permanent), HKU student. I am going to USA for summer school from 24/6/2017 to 20/8/2017. The host university requires me to have insurance coverage and I need to fill in an application in which contains terms that a insurance policy have to meet. The form need to be completed by insurance company with relevant information and signature, etc. I would like to know whether your company provide such service. Thank you for your time and I am looking forward to your reply.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Student Secure Elite plan which meets all of your school requirements. Brochure, instant purchase link, Please feel free to contact us if you have any further questions. Once you purchased the insurance. Please send us your form with your information and will be glad to fill the form and will send it you .
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Q:I am an Australian expat living in Puerto Vallarta, Mexico. I would like to know about private health insurance options to cover myself as well as my wife and our 2 children. I understand that you work with the Amerimed hospital here in Puerto Vallarta which is generally acknowledged to be the best hospital. My wife and I are both 39 with no known serious medical conditions. I am an Australian citizen, my wife and our children are all Mexican / Australian dual citizens. I have been living in Mexico for 3.5 years and don't have any intention of leaving within the next few 3-5 years. Our children are aged 12 and 21. Please can you provide me with information about your relevant costs and services.

A:
In your case would recommend and expatriate plan called Global Medical Insurance. As these plans are underwritten you would need to submit an application for coverage. You will need to complete a separate application for your 21 year child as he is no longer able to go on a policy with you. You are able to select your area of coverage for these plans as this will affect your overall premium. Please use the link to generate a quote for coverage and to submit an application for underwriting. If you would like assistance in selecting a plan or if you have questions about the pan please feel free to 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.

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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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