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Ask Our Specialists

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

Q:Health Insurance New Zealand Dear SIrs I along with my wife plan to visit New Zealand for one month.We wish to obtain Health Insurance for the period we will be away from our country-Srlanka. Please inform the procedure , and terms and conditions to obtain health insurance. Thanking you

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas International plan. Brochure, instant purchase and other useful information, /atlas-international-insurance/ Or any other comprehensive plan from our website at, /travel-health-insurance/ Please feel free to contact us if you have any further questions.
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Q:Delivery in U.S. for visitor, insurance needed Dear Sir, My wife is pregnant, and we are planning to visit USA for delivery so that the baby becomes a US citizen. What Kind of insurance plan are available for maternity coverage ?

A:
Unfortunately there is no insurance for an international visitor which cover maternity if your wife is already pregnant. You have to pay from your pocket.
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Q:Green card holder insurance questions Sir, We two GREEN CARD holders visiting Miami, Florida for a period between Sep/19, 2016 and Nov/28, 2016. Requesting a Quote for me and my spouse Medical Coverage of Inbound Guest Plans J or K with a deductible of $100/ only. Kindly acknowledge and send quote at the earliest and oblige. Our details are as follow: 1) D.O.B. 01.08. 1935 2) D.O.B. 24.02. 1936 (Spouse) Thanking you in anticipation. Yours faithfully.

A:
We would be glad to assist. Because you are green card holders, you would not be eligible for the Inbound Guest plan. Being a green card holder means that the U.S. is your home country and the Inbound Guest plan is for people coming in on visitor visas or other temporary visa types. Also, due to your ages, the maximum policy amount you would be eligible for would be 50,000 on our new/incoming immigrant plans. I have forwarded quotes to you for the plans that will work for your status and age group. Please let us know if you have any questions about the quotes or require any further assistance.
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Q:Insurance Question Hello, I would like to buy travel insurance for my mother in law who is visiting from India next month. I wanted to take the same plan that I took last time, but notice the price went up. If I do month by month, can you set up automatic renewals in your system so that it will charge me every month, or DO I need to log in each month and renew? I need the insurance for 6 months. Any help will be greatly appreciated. Thanks,

A:
Thank you for our interest in purchasing insurance through us again. Insurance premium based on various factor like age, deductible option and policy max you choose. Before we suggest any plan would like to know insured age and which state do you need coverage? Most of the plans are renewable and there will be $5 renewal fees. This is a short term policy there is no automatic renewal. You will receive renewal reminder so either you can renew online or give us a call we can renew over the phone. Please visit our website at www.insubuy.com Enter appropriate criteria. You will find many plans and you can also compare them side by side. We can also send quote once we get the requested information from you. Please feel free to contact us if you have any further questions. Hello, Thank you for your response. My mother in law’s age is 60 years and the state will be South Carolina. We took Patriot America last time and would like to do the same. Can I sign up for two months to start with and then renew for another two months? She will be visiting us for 6 months. I got a quote of $850 for that insurance for 6 months. Has the price gone up since two years? You can purchase Patriot America plan. Earlier it used to cover sudden and unexpected recurrence of pre-ex blow age 65. But that benefit has been removed and new product name is Patriot America plus and it has acute onset of pre-ex. Below age 70yrs. Please find more information on acute onset of pre-ex at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you are not worried about that benefits you can go for Patriot America plan that you had last time. Patriot America brochure, instant purchase link, /patriot-america-lite-insurance/ Patriot America Plus brochure, instant purchase link, /patriot-america-plus-insurance/ You can also compare these plans at www.insubuy.com Please feel free to contact us if you have any further questions. Hi I am a foreigner and currently live in US with my family. I just purchased a Patriot America insurance both for my wive (26 years) and my son (3 months). Does the insurance also cover the immunization for my son? No.
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Q:I have an unusual travel insurance question. I am an America citizen, but I am teaching in Zimbabwe for the next two years. So, currently, I am a temporary resident of Zimbabwe. Over Christmas, I will be hiking up Mt. Kilimanjaro. This is not mountain climbing. No ropes are involved or no specialized equipment. The highest point is 19,000 feet. I have international insurance through my school, but it does not cover high-altitude hikes. Unfortunately, many insurance companies don't cover hiking at high altitudes. Do you offer evacuation insurance at this height? Would I be eligible to purchase insurance since I am living in Zimbabwe, even though I'm a U.S. citizen?

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas International plan. Please find more information on Mt. Kilimanjaro insurance here. Please feel free to contact us if you have any further questions.
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Q:I am a US citizen, retired Air Force and currently are a DOD civilian working in Italy. I should be returning to the US within 12-18 months. I would like to know if you can provide me with a life insurance for 100-125K, no exam that will cover me while I am overseas?

A:
Thank you for your interest in purchasing insurance through us. You can purchase Accidental Death and Dismemberment insurance. Please find more information here. Please review this and feel free to contact us if you have any further questions.
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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.

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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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