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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:My wife is travelling to US (New Jersey) to visit our relatives with my daughter for 3 months from UK. I want to buy a Travel + Medical Insurance for them. Here are there details - 1. My Wife : DOB : 15 Jul 1985 Current Medical situation - She has gallstones. She has not had any gallstone attack for last 1 year as she is on a controlled diet. I would like to take a policy that can take care of an emergency rush to the hospital for a pain killer injection in case she gets an attack. 2. My daughter : DOB - 10 Nov 2015 Current Medical situation - No medical problems. I need a policy to cover any sort of illness that can happen to an infant. I am thoroughly confused about which policy should I take for them. Can you please guide me whether I should go for a Fixed Coverage one or a Comprehensive coverage one? And if there is a specific policy that suits the situation, please advise.
Q: Since Atlas uses PPO network, does it mean they contracted rates with in network providers?
Q:I am still trying to understand coinsurance component. For example if I take $50k plan with 80/20 coinsurance and $500 deductible. If first time my claim is $10,500, I am responsible for Deductible = $500 20% of $5k = $1000 and insurance pay $9k . Right If I have second claim for $10k, I am responsible for 20% of $5k = $1000 and Insurance pay $9K. Right?
Q:Can you please let me know what is the max out of pocket for Atlas America and Atlas Premium America? If I take Atlas America in which 20% is co-insurance but I need to know what is the max out of pocket.
Q:I'm an Italian 21-years old guy affected with Cooley's Anemia. I'm planning to stay in the US for a few months for academic purposes. Does your insurance plan cover blood transfusions and drugs supply?
Q:I am an international student joining PSU in August 2017. I was looking for a comparable health insurance plan to the university offered insurance. You can check the waiver criteria in the link below. I would like to know the comparable health insurance plans available with you. http://studentaffairs.psu.edu/health/services/insurance/waiver.shtml Looking forward to an early response.
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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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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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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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