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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I would have two quick questions about the application for the Patriot exchange program: 1) I was wondering if the required date in which I will move to the US can be approximate (I have not bought air tickets yet); 2) How long does it usually take for the application to be approved? 3) As I understand, after approval, I will receive a fulfillment kit at the mailing address. I was wondering how long this does usually take when going for an expedite delivery. (I am asking as I will leave the UK and go to Italy in about 20 days and I am trying to understand which mailing address I should specify on the form) Many thanks for your help and support.
Q:I am a Nicaragua citizen, 25 y.o, healthy looking for an insurance with the following: a.Minimum $250,000 accident and sickness medical benefits b. Deductible $250 to $500. Insurance company will pay 80% of the first $5,000 of eligible expenses, and then 100% of the remaining eligible expenses. c. Emergency Medical Evacuation-$25,000 d. Return of Mortal Remains-$10,000 e. Emergency Dental for accidents-$500 To travel to University of Miami for the whole month of June this year,
Q:My wife and I are planning to visit NJ by mid of July 2017 and deliver our first baby in the US. Period of stay will be around 2 months. Actually enjoy Bupa Insurance however maternity and delivery are not covered in the States. I would like to know about insurance program that covers the delivery of my baby in NJ as long as we are non US citizens. Even if based on cost-share reduction. We are willing to share the cost of all fees.
Q:I want to buy insurance policy to my wife and children (J2 visa) I need information regarding plans for J2 visa holders I am in Philadelphia PA. My family is coming on MAY 04 and will go back on 06 the June 2017 They will be here under J2 status The policy should cover J2 requirements no additional requirements.
Q:I am a person holding a J2 Visa. I want to buy an insurance which meets these: Minimum requirements for alternate insurance plan**: - Medical benefits of at least $100,000 for each accident or illness (a higher benefit is better) - Medical evacuation in the amount of $50,000, should you need to be sent home on the advice of a doctor - Repatriation of remains in the amount of $25,000, should you die while in the U.S. - Coverage must include the semester for which you are at Rice University - Minimum 75% coverage for each accident or illness - Maximum deductible of $500 per condition per plan year - A pre-existing "wait period" limitation of no more than six months - The policy must be backed by the full faith and credit of home country government (for those covered by their home country's national insurance plan), or the company providing the insurance must meet minimum rating requirements established by the U.S. government (an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Pool's Claims-paying Ability rating of "A-" or above, or a Research, Inc. rating of B+ or above). Policy must be in English - All exchange visitors and any accompanying dependents may also be subject to the requirements of the Affordable Care Act - Policy must be in English What are the options you can offer me?
Q:I am from India, a J1 visa holder. Here are the details. State - PA Insurance requirements - For international students and their accompanying dependents, a comparable health insurance plan will: 1. US Carrier or entity approved to do business in the USA and ACA compliant; 2. 100% preventive care and contraceptive coverage (Preventive examinations, immunizations and screening tests, as required by the ACA and the State of Pennsylvania for Student Health Insurance Plans); 3. Coverage for both accident and sickness; 4. Coverage for pre-existing conditions with no waiting period; 5. Deductible no greater than $500; 6. Coverage for all essential benefits without a limitation; 7. Pregnancy as any other illness or injury; 8. Unlimited annual benefits; 9. Inpatient and outpatient mental health/substance abuse as any other condition; 10. No exclusions for injury or illness as a result of alcohol, drugs or attempted suicide; 11. Prescription drug coverage with unlimited annual benefits; 12. Worldwide coverage; 13. $3,000 In-Network out-of-pocket maximum; 14. $15,000/$30,000 Out-of-Network out-of-pocket maximum; 15. OR U.S. employer sponsored health insurance in place of standards 1-14; 16. And Medical evacuation ($100,000/Repatriation ($50,000) limits. Please send quote.
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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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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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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.
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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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You don't need to purchase travel insurance for every trip.
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Most schools require international students to purchase health insurance.
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