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Ask Our Specialists

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

Q:I got a quote of $170 for my 17 yr old nephew who will be visiting us here in California from India, for a limit of $1,000,000 with $250 deductible. It is a Patriot Platinum plan. Then I went to the IMG site directly and the quote for exactly the same plan there is $108. The dates I entered are April 1 to May 19. What is the reason for this discrepancy?

A:
The quote that you received were for 2 different plans the quote with the same criteria for Patriot Platinum America is $170.50 the quote for the Patriot America Plan is $108.75. The Patriot Platinum America and Patriot America plans are 2 different plans there will be different quotes for each. As these prices are regulated by law no matter where you purchase from the prices will remain the same when providing the same criteria. For you reference we have sent you a quote for coverage for both plans so that you may see the difference in the 2. If you have any further questions please feel free to contact our office for assistance.
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Q:Can I buy a policy on a monthly basis if acceptable and cost same. That way, I can renew if they decide to stay longer or cancel earlier if they decide to go back sooner.

A:
Yes. You can extend most of our visitors insurance plans months by month. You will receive extension reminder by e-mail. So either you extend it online or give us a call at (866)INSUBUY and will be glad to extend the policy over the phone. Please don't wait until last day. Please extend the policy 2-3 days in advance.
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Q: We are travelling to the USA this month as a family for immigration. Kindly let me know best insurance plans you have.

A:
There are plans available on the Insubuy website that a new immigrant would be eligible to purchase. Please use the following link to the New Immigrant section of the website. These plans will cover new accidents and new illness that occur after the effective date of the policy. New Immigrant Insurance These plans will not be ACA compliant plans any you will be responsible for any penalties assessed for not having a compliant plan for coverage. Green Card Holders & ACA FAQ
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Q:Looking for some help with insurance. I am traveling to 22 countries over the next year as a missionary but will also will be coming back to the states on a few countries. What is my best option. Do you have any suggestions?

A:
For US Citizen: you can purchase Outreach International plan. Non US Citizen: you can purchase Outreach America. You can also provide your citizenship, travel date, residence state and your age will be glad to send you quote by e-mail also. Please review the plan information and feel free to contact us if you have any further questions.
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Q:Is it possible to provide me with a detailed policy for each of the coverage plans so that we're able to select a choice?

A:
The policy documents are included in the quote. If you look in the detail section of the plans you will see different links including one that is titled certificate wording. You can click on the different links to see more details about the plans. You can also click on the little box to the left of the plans and view up to four plans side by side. If you need additional assistance please feel free to contact our office.
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Q:I am about to purchase a health policy with you, the Patriot America Plus Plan. At the point where I fill in the address of where to send the information, I am hesitant to put my UK address because I am in Spain now and will be heading to the United States directly from here (Alicante-London-Orlando) without stopping at my home in UK. Can I get the information sent to my brothers address in Florida? Or receive it via e-mail? Is that not possible?? I cannot continue purchasing my insurance until this issue is sorted, can you please help?

A:
Yes. You can provide your brother's address as a mailing address in the application. Anyway, you will receive insurance confirmation by e-mail. Which will have a link to print virtual id card. Insurance card and other documents will be mailed to the address you provide in the application.
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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.

Did you know?

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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