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Ask Our Specialists

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

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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Q:US citizen returning to USA: medical insurance needed, pregnancy Hi, I'm an US citizen living abroad, I'm traveling with my 1 year old daughter to California and Nevada next August 24th to September 19th. I'm currently 13 weeks pregnant with no complications so far. I'm looking for a health insurance for both of us, and I'd like that any pregnancy issue is covered by the insurance. I've tried to find an insurance in your website but it seems none covers up pregnancy related medical costs. Do you have a plan that could cover pregnancy medical expenses? Thank you.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, There is no plan for USC whose home country is outside US and visiting USA for a short visit which covers pregnancy. We have some plan for non US Citizen but not for USC. Insurance will pay for new sickness, injuries or accidents that may occur after the eff. date of the insurance anything related to pregnancy will be excluded. You can find some plans for new sickness or injuries at www.insubuy.com Please enter appropriate criteria. Citizenship select USC. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:General Visitor Insurance questions I am keen to apply for health insurance for my family travelling to US in Sep. I have seen few options. If I chose 0 deductible and 100 % coverage then I will not have to pay anything. Will it cover ambulance expenses? Does it cover blood tests, medications and accidental injuries? Is it specific to private or public hospitals or all hospitals. Many thanks Regards.

A:
Thank you for your interest in purchasing insurance through us. If you provide insured age, travel date and which state do you need coverage will be glad to suggest insurance plan accordingly. Atlas series you can’t take if the insured person is physically located in Australia at the time of application. Below link will explain you how short term insurance works for an international visitor, /what-is-visitors-insurance/ Once we get the information from you will send you insurance quote. Dear Staff, I am after health insurance coverage for myself from Sep 25th till Oct 3rd 2016 (in Hawaii), no deductible and 100% payment. I am 37 with no previous medical issues. For my wife and son, US coverage from Sep 25th till Oct 22nd 2016. My wife is aged 32 and son will be 2 by then. My wife and son are also healthy. Both will travel to Louisiana and Florida following Hawaii. I hope insurance is not state specific. Please let men know your options. Thank you for your quick response. If you want 100% coverage in PPO network then you can go for Patriot Platinum plan. Patriot Platinum brochure, instant purchase link, /patriot-america-platinum-insurance/ You can find other plans also at www.insubuy.com Which will not cover 100%. Patriot Platinum plan starts with mini. $1mil. Coverage. You need to separate application for you and other family members. Most of the plans will provide coverage worldwide except your home country and it’s not state specific. We have many plans but there is country restriction for Australia. So you can’t purchase any of the Atlas series plans. Please let us know 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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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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