Ask Our Specialists

Thank you for your interest in purchasing insurance through us. You can purchase Student Secure plan as long as she is on F1 visa. You can also find various plan at our OPT insurance section Please feel free to contact us if you have any further questions.

Insurance for the interim period until your long-term insurance begins would be a plan called Patriot America Plus . This plan will cover the new accidents and new illness that occur after the effective date of the policy. This plan will only be available until you are eligible to enroll into a long term plan. If you need any additional assistance please feel free to contact our office.

Thank you for your interest in purchasing insurance through us. You can purchase Study USA Preferred 500 plan which meets your school requirements and cost less compare to other plans. You can choose monthly payment or single payment. It's advisable to do single payment that way you will pay premium for the age 29 yrs. Please feel free to contact us if you have any further questions.

Thank you for contacting Insubuy for your insurance needs. The policies are based on EST in the U.S. If you have the policy start on the 23rd, he will have coverage for the full day. In order to make sure the travel is covered you may want to add a day to the start date of the policy. If you have any additional questions please let us know.

Thank you for contacting Insubuy. You may select a policy maximum for the Atlas Premium America of up to $1,000,000. The Patriot Platinum America plan will have policy maximum options of $1,000,000, $5,000,000, and $8,000,000. You may choose either plan option depending on the policy maximum limit you prefer. Neither plan will provide coverage for a pre-existing condition. They are designed to cover any new illness, injury or accident which occurs after the effective date of the policy. The Atlas Premium America plan will provide coverage for the Acute Onset of a Pre-existing Condition, while the Patriot Platinum America will provide coverage for the Sudden and Unexpected Recurrence of a Pre-existing Condition. Of the two definitions the acute onset also includes coverage for the sudden expected outbreak or recurrence. I have added links to the FAQ's for each clause for your review. You may also obtain assistance by contacting our office at (866) INSUBUY.

Please see the answers to your questions below. 1. If any pre-existing ailment like DIABETES and HYPERTENSION causes or results any unforeseen medical issue that has never occurred before and that requires hospitalization, will that be covered? The plans are primarily designed to cover any new illness, injury or accident which occurs after the effective date of the policy. They will not cover pre-existing conditions routine doctors' visits, immunizations or medications in relation to a pre-existing condition. The Atlas America and Patriot America Plus plans provide coverage for an acute onset of a pre-existing condition up to the policy maximum for anyone under the age of 70. An acute onset is defined as a sudden and unexpected recurrence of a pre-existing condition that occurs all of a sudden without any prior symptoms or warnings and treatment must be taken within 24 hours. If something happens to the insured which meets the definition provided the plan would provide coverage. This determination is made by the claims department at the time of the occurrence. The claims department determination whether approval or denial will be made utilizing the attending physicians statement. 2. If the pre-existing ailment is chronic. If the ailment progresses and causes any acute problems or problems that has not occurred in the history of the patient and the onset of the problem requires hospitalization, will that be covered? Chronic or congenital conditions are excluded under the policy. Any ailments which are caused by the congenital condition would also not be covered under the insurance since the exclusion is listed in the policy certificate wording. 3. If hospitalization occurs as a result of accident, will that be covered? If the accident is considered an eligible medical expense the plan would provide coverage for the hospitalization. The benefits would be paid according the guidelines of the policy. You may also obtain assistance by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.