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Ask Our Specialists

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

Q:I am with the University of Memphis international student office. My quest is does the Patriot American plan cover major medical up to 500,000.00 and does it provide medical evacuation and repatriation?Brenda Cowans bwcowans@memphis.eduamerica

A:
What plans would meet your requirements would depend on your visa status, for example an F1 or J1 visa holder and your sponsor. The Patriot plan can offer up to a $500,000 lifetime maximum based on age group and it offers up to $1,000,000 of medical evacuation and repatriation benefits. We would recommend emailing your requirements or school's waiver form to info@insubuy.com so that we can review them and forward you appropriate plans. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/international-student-health-insurance/university-memphis-international-student-patriot-america-medical-evacuation-repatriation-19674/

Q:I am purchasing Patriot America Lite for 27-30 January. The policy came up as insured for 5 days. Then I entered 27-31 and got same price. Is there a five day minimum?

A:
The Patriot America Lite plan as well as most plans have a 5 day minimum purchase. We would recommend entering in a full 5 days when selecting your dates. If you have any additional questions, please let us know.
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Q:We are renting a beach house for a week this summer and worried about covid shutting it down.

A:
If you are referring to Trip Insurance plans, those plans are available to U.S. residents traveling and can provide coverage for trip cancellation due to specified named reasons. Medical issues are usually named reasons so for example you have the insurance and then someone contracts Covid 19 after the effective date and now cannot travel, that could be covered. However, the plans will not cover borders being shut down due to Covid. That is a known current risk. Previously many airlines and hotels etc. would have possible credits for later if something like that were to happen, but that is up to the vendor directly. Some plans can provide a benefit for Cancel for any reason which you could obtain on a policy if it's available in your state and you purchase the insurance within 21 days of your initial trip deposit date. This benefit would provide coverage up to 75% of non-refundable trip costs for any reason for cancellation. If you have any additional questions, please let us know.
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Q:Fulltime student, cover accidents, sickness and intercollgiate sports in Arozani over 12 months.

A:
If you are an F1 visa holder, you can find plans through this quote link: /international-student-insurance/ If you would like, you can also email your school requirements to info@insubuy.com for us to review. If you have any additional questions, please let us know.
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Q:If the potentially insured is booking a cruise that leaves Alaska and ends in Canada. There will be stops in the USA and Canada. Which option would they book, travel inside the USA, or travel outside the USA?

A:
If any of your travel will include the U.S., you would use this quote link to find appropriate plans: /visitors-insurance/ If you have any additional questions, please let us know.
{{currentOrigin}}/answers/vacation-insurance/insured-cruise-alaska-canada-usa-travel-72756/

Q:Contacting to inquire about the status of my claim. # 141640

A:
You would need to contact the claims department for your policy. Their information can be found on the back of your ID card. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/trip-cancellation-insurance/contacting-inquire-status-claim-89791/

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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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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