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Ask Our Specialists

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

Q:I have previously purchased medical insurance for my parents when they visited the United states over the past 15 years. I used to buy one of the standard policies where we would have to pay for the care then make a claim with the insurance company. Now my parent is getting on in age and I need a higher limit, full insurance that also includes pre existing conditions (Under 70yrs). Please recommend a insurance plan that is similar to a regular health insurance where I do not have to pay in advance and submit claim; that covers pre existing conditions and also has a high coverage limit. One that can be renewed monthly is preferred. Also separately from the health insurance, do you sell life insurance and long term care insurance for visitors.

A:
As a broker, we provide insurance from most of the major companies that is available in US market. Insurance will pay for new sickness, injuries or accidents that may occur after the eff. date of the policy. It does not cover any routine maintenance for pre-existing or preventive care. However, we have many plans that covers an Acute Onset of Pre-existing Conditions. If you provide their travel date, date of birth and which state do you need coverage will be glad to send you quote by e-mail also. Meantime, please visit our website. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Most of the plans are renewable. You can extend the policy month by month. All those information you will find in comparison and in details section as well. We don't provide standalone life insurance for an international visitor. But the comprehensive medical insurance plan provides coverage for accidental death and dismemberment. We provide long term insurance but that is available only for US residents who has Social Security Number. Person who is visiting US on visitor visa don't have SSN. So they are not eligible to purchase long term insurance. Please feel free to contact us if you have any further questions.
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Q:I would like to buy medical/travel insurance for my parents who will be coming to USA on 31st of march. what happens if my cancel their trip, do i get my money back.

A:
We provide insurance from many companies. Most of the plan you can cancel before the eff. date you will get full refund. After the eff. date there will be cancellation fees and either rest pro-rated or fully unused month you will get refund depends on the plan you purchase. If you have decided any plan will be glad to inform you the refund policy. You can also visit our website. Enter appropriate criteria. You will find many plans and next to each plan under detail section you will see the refund and renewal procedure. If you are not sure how long your parents will stay in US. Please purchase for one month then you can extend their insurance. If you provide your parents age, travel date and which state do you need coverage will be glad to send you quote by e-mail also.
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Q:I'm going to study abroad from August 2017 to January 2018 and need a health insurance for the USA. I would like to know whether you can cover all points that are listed in the document (see appendix) and if you can stamp the document in case I would chose to get insured by your company. I also would like to know how much it is going to cost for 6 months then.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Student Secure Select or Study USA Preferred 500 Plan. You can compare both plans Please feel free to contact us if you have any further questions.
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Q:Hi... my mother is traveling to the US on April 23rd and returning on May 8th.She'll be in Atlanta, Georgia and for 5 days, we'll be in Vancouver, Canada. Her visa is B1 type tourist visa. I am looking to buy a comprehensive medical insurance for her. Could you please guide me about the best plan to buy for the duration mentioned? She is an Indian citizen and her DOB is 06/24/1953 Thanks

A:
You can purchase either Atlas America or Patriot America Plus plan which will provide her coverage in US and Canada. You can also get quote at our website. Please select coverage area international including US and other appropriate information. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:I am looking to get medical cover from 10/16/17 to 10/30/17 for Florida. I am based in the UK. I have medical history to cover (see below) can you assist me in a quotation please. Kidney and pancreas transplant - 09/30/17. Not on dialysis not on insulin. Blood pressure tablets 1 daily. History or retinal damage but currently not receiving any treatment in the last 2 years. I look forward to hearing from you.

A:
Before we suggest any plan would like to know your age. None of the plan for an international visitor covers pre-existing conditions. However, some plan provides coverage for an Acute Onset of Pre-existing Conditions. Please visit our website, please enter appropriate criteria. You will find many plans. You can narrow by pre-existing (Acute onset) and compare them side by side. Please feel free to contact us if you have any further questions.
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Q:My mom's birthday is in May 1952. As of today she hasn't completed 65 years of age, but has crossed 64. On your website I see 60-64 and 65-70 as the Age groups. Could you let me know which Age group to select for buying insurance for her, please?

A:
Her current age group is 60-64 yrs. She will be 65 in May. Please visit our website, enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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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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