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Ask Our Specialists

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

Q: We are two international students, spending a semester at Virginia Tech and we have an insurance plan from our country. We have just found out that we are missing two requirements that are mandatory for our university. We wanted to ask whether it is possible to make a insurance plan with you that covers only the two requirements that we are missing. I attached the form where you can find the requirements we are missing that our insurance filled up with "NO" ("pregnancy coverage" and "no internal caps coverage"). The main issue is that we need this coverage by the 26th of January. We are looking forward to hearing from you

A:
Thank you for contacting Insubuy. There are no plans available which will meet your University's requirements. We would recommend purchasing from your University. If you have any additional questions please let us know.
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Q:I am a J1 research scholar in UNC. Please be kind enough to fill the attachment and send to International student and scholar services at UNC at Chapel hill to get a medical insurance.I am interested in Atlas exchange 6 months pre existing

A:
Yes, the Atlas Exchange will meet the requirements as listed as long as you choose the 6 month pre-existing Atlas Exchange. If you need additional assistance please feel free to contact our office.
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Q:I have joined the University of Arizona as a Postdoctoral Research Associate. I want to buy a medical insurance meets the US governments requirements for J-1 Exchange Visitors for me and my family for the duration of Jan 25 2017 to Feb 28 2017. May I know which policy will fulfill my criteria? May I request you to kindly send me the information or web link through which I can buy the medical insurance for me and my family?

A:
Thank you for contacting Insubuy for your insurance needs. If you need a plan which meets the standard J1 visa requirements you may purchase any plan in the J1 Visa Insurance section of our website. One the more popular plans is the Atlas Exchange. You may purchase over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.
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Q:I have my family member here in Las Vegas studying as international student and wants to get dental insurance please let me know best plan for her.

A:
Thank you for your interest in purchasing dental plan through us. Dental insurance is available only through group insurance for an international student. You can purchase Careington Dental Discount plan. Please review this and feel free to contact us if you have any further questions.
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Q:Kindly advise me if Indian parents aged 73 and 66 visits USA, can their son who is a us citizen since a long time include his parents in his insurance for the period of stay in USA. Kindly advise and enlighten me on the subject

A:
In US, kids and wife are only considered as dependents. Parents are not considered as dependent. So they will not be eligible to enroll under your insurance. Please visit our website. Enter appropriate criteria. You need to get separate quote for age 70+ and below 70 yrs in order to get more options.
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Q:What is the difference between the Patriot America and Patriot America Plus plan? Is the only difference that pre existing conditions are covered by PA plus? I will be in New Hampshire for about a month and a half and then will move permanently to Hawaii but will still require coverage for about a month or 2 in Hawaii. How do I add 2 states into the quote?

A:
Your understanding is correct. Patriot America does not provide coverage for an acute onset of pre-existing while Patriot America Plus does for the age below 70 years. Both Patriot Plans will provide coverage anywhere in US. It's not state specific. So while purchasing insurance you can provide your NH address and once you move to Hawaii. Please send us e-mail to change your address.
{{currentOrigin}}/answers/visitors-medical-insurance/difference-between-patriot-america-vs-patriot-america-plus-address-change-12812/

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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