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Ask Our Specialists

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

Q:Hi I'm in USA on F1 student visa. To be precise, I'm currently on STEM OPT. I'm looking for an insurance starting from 01/02/2017 till 01/01/2018 with 100/0 coinsurance and $0 deductible. Please provide a quote keeping in mind that I'd Kidney stone in 2017 (March)

A:
We provide insurance from many companies that you will be eligible to purchase. Before we suggest any plan would like to know what kind of insurance you had when you were student and expiration date of the previous policy. In general, insurance will pay for new sickness, injuries or accidents that may occur after the effective date of the policy. Please find see plans available by going to the OPT Medical Insurance section on our website. Please enter appropriate criteria. You will find many plans and you can compare them side by side. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/other-insurance/f1-student-visa-stem-opt-health-insurance-21480/

Q:I am an international graduate student of The University of Memphis. I would like to have the Patriot Exchange Program Insurance policy. I would like to request you to check the university requirements and let me know whether you satisfy these conditions or not. Please let me know which policy might be applicable for me. In addition, I would like to know what the term "No coinsurance" means in the summary of benefits of the Patriot Exchange Program. For your information, If you satisfy the university requirements you will get many of us to buy this insurance.

A:
Thank you for contacting Insubuy for your insurance needs. The Patriot Exchange program does meet the requirements listed on the compliance form that you provided. A co-insurance is a percentage that is split between the insured person and the insurance company. The Patriot Exchange program does not have a co-insurance that would need to be met thus lowering your out of pocket expense for eligible claims. If you need any further assistance please feel free to contact our office for further assistance.
{{currentOrigin}}/answers/international-student-health-insurance/patriot-exchange-program-student-insurance-for-the-university-of-memphis-37058/

Q:I already have a health insurance plan that meets all the requirements of the welcoming institution but the repatriation of remains (25 000$ minimum). How can I buy an insurance plan that respondes to this specific need? Thanks for your assistance.

A:
Please look at Atlas MedEvac plan. It is specifically designed for this purpose. If you have any questions please feel free to contact our office.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/insurance-plan-repatriation-of-remains-39278/

Q:Is the policy max of $50,000 was for each of us or combined. I ran a quote for 3 people.

A:
The policy maximum amount and all policy benefits will be per person.
{{currentOrigin}}/answers/visitors-insurance-usa/deductible-and-maximum-per-person-in-visitor-insurance-18528/

Q:I am a J1 research scholar with health insurance but I am looking for a policy for my wife, who is on a J2, and my 6 year old son.

A:
We have many plans that meets standard J1/J2 visa requirements. You can purchase Atlas Exchange plan which is friendly plan so if one parents insure child under 9yrs will get insurance at no cost. You can compare this plan with others at the J1 Visa Health Insurance section on our website. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/j1-research-scholar-j2-health-insurance-20994/

Q:I'm in USA on F1 student visa. To be Precise, I'm currently on STEM OPT. I'm looking for an insurance starting from 01/02/2017 till 01/01/2018 with 100/0 coinsurance and $0 deductible. Please provide a quote keeping in mind that I'd Kidney stone in 2017 (March).

A:
Thank you for your interest in purchasing insurance through us. We provide insurance from many companies that you will be eligible to purchase. Before we suggest any plan would like to know what kind of insurance you had when you were student and expiration date of the previous policy. In general, Insurance will pay for new sickness, injuries or accidents that may occur after the effective date of the policy. Please find OPT insurance plans here. Please enter appropriate criteria. You will find many plans and you can compare them side by side. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/visitors-health-insurance/short-term-opt-insruance-with-preexisting-condition-coverage-51106/

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?

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New immigrant to USA?

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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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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