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Ask Our Specialists

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

Q:Student Insurance M1 I am looking to purchase Health Insurance for my nephew who will be arriving in Florida at end of the month on M1 Visa for Flight Training in Miami. After going through your site I feel Atlas Plus or Patriot Premium are the best options However my question is that will his Medical Expenses if in a flying accident be covered? And any limitations on that or up to the Policy Maximum Additional costs for the rider We were thinking of a deductible of 250 and a maximum policy of 200,000

A:
Thank you for your interest in purchasing insurance through us. The Atlas plans and the Patriot plans will cover for any new illness or injury that occurs after the effective date of the policy. It will not cover an accident during flight training. It might be possible to have the Atlas or Patriot plans for the medical and then we can check with the underwriting department for our AD&D plans to see if they could offer coverage during flight training. We will need to know the age of your nephew and how long he would need the coverage to be able to confirm that it would be available. Also, how much coverage would you be looking for?
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Q:Application question for visitor insurance Hello, I am purchasing medical insurance for my parents who will be visiting me for a period of 5 months. My mother goes only by her first name, she does not have a last name. It looks like the online application will not proceed unless I enter a last name for her insurance. Can you please advise how to proceed in this case?

A:
Thank you for your interest in purchasing insurance through us. If she doesn’t have last name then enter LNU (last name unknown or undefined) Please feel free to contact us if you have any further questions otherwise you finish the application from our website at www.insubuy.com Have a great day!
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Q:Insurance questions for visitor Hi, I was looking for insurance for my mother for her visit to US next month. I came across Visitor Secure, but unable to decide on the plan. Do you have other options? Also please provide quote for the visitor secure plan.

A:
Hello, Thank you for your interest in purchasing insurance through us. Before we suggest any plan we would like to know her age, travel dates and which state you need coverage for her? Once we get the information will be glad to send you quote in a separate e-mail. Meantime, you can also get quote online at, www.insubuy.com Please enter appropriate information. You will find many plans and you can also compare the plans side by side. Please feel free to contact us if you have any further questions. Have a great rest of the day! Hi, Her age is 51 She will be travelling on Sept 1st and return on Nov 4th. State is Georgia. Hello, The Visitor Secure plan is a fixed coverage plan. Fixed plans are very basic. They will pay a fixed amount according to a schedule of benefits, once the deductible is met, and you would be responsible for the balance. The majority of the cost would come from your pocket if anything happens. Once the deductible is met the comprehensive plans will pay a percentage of the covered charges. A quote will be sent separately for the plans we recommend. If you would like a quote for a specific plan or need additional assistance please feel free to contact our office.
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Q:Kilimanjaro Insurance Hello. I am a Brazilian citizen currently living in Brazil. Late August I am going to do a 3-day safari at Tanzania and then climb Kilimanjaro. I heard that Insubuy offers health insurance for both activities, however, I haven´t been able to get quotes on your website. Can you send me the quotes? Find major information below: Departure date: 24-August-2016 Return date: 07-September-2016 Age: 28 Gender: Male Just let me know case you need anything else.

A:
Hello, Thank you for your interest in purchasing insurance through us. Here is the link for the more information about the Atlas International plan: /mount-kilimanjaro-travel-insurance/ Also sent a quote based on the information you provided. If you need additional assistance please feel free to contact our office.
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Q:Health Insurance info 80 year old Hello, I'm looking to buy health insurance for my grand mother who is planning a visit to the US end of this year. She is visiting from India and will be staying here with me in NY for a period of 1 month and 14 days. She is 80 and has a pre-existing condition (undergoing chemotherapy for Cancer). Although she will have all the medication sufficient for the duration of the trip, we want to purchase an insurance which will cover any doctor's visit if needed. Please advise on the best coverage available. Thank you!

A:
Thank you for your interest in purchasing insurance through us. As a broker, We provide insurance from many companies. It’s very difficult to get insurance specially for age 80 and above. Insurance will pay for new sickness, injuries or accidents that may occur after the effective date of the policy. It does not cover pre-existing or preventive care. However some plan provide coverage only for emergency. It will not cover any routine maintenance for the existing conditions. You can purchase fixed coverage plan- Safe Travels for Visitors to USA- Diamond plan or Safe Travels USA cost saver- Comprehensive plan. Fixed plan- /safe-travels-elite-insurance/ Comprehensive plan- /safe-travels-usa-cost-saver-insurance/ You can compare these plans at www.insubuy.com If you provide her travel date will be glad to send you quote in a separate e-mail.
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Q:Traveling from US to Spain/Italy/Canada What is covered in your traveler's insurance? Does it cover loss or theft of baggage or personal belongings or trip cancellations? Thanks for the info!

A:
Hello, Thank you for contacting Insubuy. There is trip cancellation insurance available for purchase that may include some of these coverage. Please use the link listed below to find plan that may be available for coverage. Trip Cancellation Insurance: /trip-cancellation-insurance/
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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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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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