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Ask Our Specialists

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

Q:Query regarding atlas america insurance Dear Sir/madam I am Indian citizen planning for visiting USA for 1 month for travel purpose on B1/B2 visa with my spouse and two children. I am planning to visit New York state. There is some confusion for NY state in respect to atlas america. Will it work for me in NY state? I am planning to buy 0 deductible and $100000 cover. Kindly suggest.

A:
Thank you for your interest in purchasing insurance through us. Yes. You can purchase Atlas America insurance if you are visiting NY State. The rule is that insured person should not by physically located in NY at the time of application. You are located in IN now so you can purchase before you arrive to NY state. Attached is the state and country restriction for your information. Atlas America brochure , instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions. Dear Sir/madam If I purchase insurance from India before reaching NY and later shall I be able to extend my insurance if I need to extend my stay in New York. Hello, The Atlas America Plan is renewable as long as it is renewed prior to the expiration date of the policy. There is a $5 renewal fee in addition to the premium upon renewing the plan. Is renewal from NY allowed? Hello, Yes you can renew the policy from New York. It would not be a new plan as long as you are renewing.
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Q:This is me Suvekshya from Nepal. I want one information, my brother is coming to USA in J-1 visa . He requires health insurance plan for his wife and his 8 months son. He is coming to California. Can you please give the best possible option whom to deal with. The basic requirement of policy is Sum Insured OF USD 4,00,000/- ,Evacuation and Repatriation Covered and can you give me the option for immunization and vaccination for the child. Kindly let me know about premium monthly and annually and give me the best possible option. And kindly provide me the contact detail of exact person to talk with.

A:
We have many insurance plan that meets standard J1/J2 visa requirements but none of the plan will cover immunization or vaccination for the child. Your brother needs to pay from his pocket. You can purchase Atlas Exchange plan which is family friendly plan so if your SIL purchased insurance her son will get insurance at no cost. You can also find various plans at the J1 Visa Health Insurance section on our website. Please select policy max. $500,000 coverage and other appropriate criteria. You will find many plans and you can also compare them side by side. If you have any questions, please call our office at (866)INSUBUY or 972-985-4400 and any licensed agent in our office will be glad to help you.
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Q:I intend to buy an insurance for my caregiver during her stay with me in US next year. I plan to purchase the insurance now as a supplement document to apply for her visa. But there is a chance that she may not be granted visa. So I am wondering whether I can cancel the insurance and get refund if her visa is not granted and it would be also before her intended date of arrival.

A:
Thank you for your interest in purchasing insurance through us. Most of the plans you can cancel before the effective date with proof of visa rejection letter or any other kind of proof. Please visit our website to view plan options. And find appropriate plan according to person visa status.
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Q:I am an American citizen living in Thailand. I will be visiting the USA for about 3 weeks at the end of the year. I would like accident coverage providing coverage for any traumatic accidents dealing with car accidents or mountain hiking. I would like as much full coverage as I can possibly get. Also, I need coverage for the states of Colorado, Louisiana, Mississippi, Alabama, and Florida. Could someone give me some advice about plan would be best to choose?

A:
Please look at the Diplomat America plan.
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Q:We used your insurance when my son went to Princeton University for summer school 2016, My question is, can we avail your insurance policy if he will pursue his studies in Brisbane Australia? needed for international student requirements? or can you send a information where can we find a insurance like you, for us to use outside United States.

A:
Thank you for your interest in purchasing insurance through us. Yes. We have many plans that will provide coverage outside US. But before we suggest any plan would like to know insurance requirements from your son's school. Can you please send us the requirements, how long do you need insurance, which country he is physically located now, age etc.? Alternatively, you can find Insurance for outside US here.
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Q:Travel insurance for a foreigner over 70 years of age I am looking to purchase your medical insurance for a trip to America. I am 72 and have a stable pre-existing condition. Would I be covered with your policy or is the pre-existing clause only for those under 70. Thank you

A:
Thank you for your interest in purchasing insurance through us. Insurance will pay for new sickness, injuries or accident that may occur after the effe. Date of the policy. It does not cover pre-existing or preventive care. However, we have one plan that covers acute onset of pre-existing upto $25000 for the age above 70-89yrs. Safe Travel USA Comprehensive coverage plan brochure, instant purchase and useful information, /safe-travels-usa-comprehensive-insurance/ 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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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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Most schools require international students to purchase health insurance.

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