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Ask Our Specialists

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

Q:Hi, I am an Indian resident and planning to travel to Kailash Mansarover through a travel package, link attached: https://www.maxholidays.com/kailash-yatra.html. Please suggest if your company provide Insurance policy for this trip. If yes then please share the process.

A:
There is a plan called Atlas International that is recommended for the Kailash Mansarover trek. Please go to Kailash Mansarovar Yatra Travel Insurance review more information about this plan. If you have any questions please do not hesitate to contact our office. Feel free to contact our office if you need any additional assistance.
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Q:Hi, I would like to purchase the Atlas Exchange insurance for me and my family. I have J1 visa for short term research scholars and my dependents are J2 holders. Is this insurance appropriate if I am a researcher (not a student)? Does the Atlas Exchange insurance meet the US Department of State minimum J1 health insurance requirements [22 CFR 62.14]? Please note: I will be working in Pennsylvania from June 29 through September 30, 2017. I haven't arrived in USA yet. I am from Poland. My birth date is 09/29/1979. My spouse birth date is 11/16/1976. My three daughters birth dates are: 11/23/2016 11/14/2006 04/14/2004 I am interested in Atlas Exchange 12 months pre-ex option with: - policy maximum $200000-300000 per person - coinsurance 100/0 - deductible 0$ . According to the website total cost would be $981.36 for 94 days*, for 5 persons. (* If my two older daughters are going to stay for a shorter period than me (only until August 12) is it possible to purchase insurance separately for them, only for the time of their stay?) Is there a possibility that you could please send me a personalized quote for this policy? I will need confirmation for my visa sponsor, that the policy meets the requirements [22 CFR 62.14], which I mentioned above.

A:
The Atlas Exchange plan does meet the requirement set forth by the U.S. department of State for J visa holders. It is definitely recommended that you purchase separate plans for your children if they will be visiting for a different duration than you. You will be sent 2 separate emails for quotes one for you, your spouse and youngest child and one for your 2 older children for coverage with the requested parameters. If you have any questions about the quote sent please do not hesitate to contact our office.
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Q:I'm interested to purchase Atlas America but can you please confirm whether you will refund if I request to cancel it before arrival?

A:
You will receive a prorated refund minus a $25 cancellation fee as long as no claims have been filed since the effective date. If you cancel before the effective date of the policy you will receive a full refund of the policy. You can review the Atlas Cancellation rules for this plan. Contact our office if you need any additional assistance.
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Q:Hi, My mother 58 years old is coming to visit me in Texas, USA. She is diabetics patient and on insulin. I am looking for a good insurance which will cover her pre existing condition as well.

A:
There is no plan available on the market for visitors that will cover pre-existing conditions but many plans do cover the Acute Onset of a pre-existing condition. Many plans are available on our website and you can compare the plans side by side. We would recommend Atlas America or Patriot America Plus and both plans will include the Acute Onset benefit. Please see the links for these plans. If you need additional assistance please feel free to contact our office.
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Q:I am planing to buy visitor insurance for my family, they are coming from India to the USA. My daughter is 20 years, my son is 14 years and my wife is 47. I am was able to add my son and wife but I am unable to add my Daughter who is 20 years old to get a quote from your website. Could you please let me know how to add her to the policy?

A:
Thank you for contacting Insubuy for your insurance needs. Since your daughter is 20 then she would have a separate plan by herself. There is no difference in cost being on a plan alone or with the family. If you need additional assistance please feel free to contact our office.
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Q:I live in Australia and i'm planning to go Germany with a Working Holiday visa, I need a insurance for a year and I found a $280 Schengen Visa Insurance in your website, but I don't know if i can purchase without been an American citizen. Could you please help me?

A:
Thank you for contacting Insubuy for your insurance needs. You are able to purchase insurance while located in Australia regardless of your country of citizenship. There are several plans that you are eligible to purchase, please review the links listed below to a few recommended plan options. These plans will meet the Schengen visa requirements. Safe Travels International Cost Saver You can find additional plans using the following link: Schengen Visa Insurance. If you need any additional assistance please feel free to contact our office for assistance.
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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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Visiting USA?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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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.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Most schools require international students to purchase health insurance.

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