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

Q:International Student Health Insurance Hi Sir/Ma'am Good day! I'm an incoming graduate student at Saint Joseph's University in Philadelphia this fall. Would like to know if you have below insurance for international students. • The health insurance policy covers you for the full year or at least the full academic year if you plan to go home during the summer. • The health insurance policy cannot have a maximum amount of allowable coverage. • The deductible cannot be more than $250 per person, per policy year. • Inpatient and Outpatient Services (surgery, laboratory, x-ray, tests, procedures, etc) must be covered at least 80% of Preferred Allowance after deductible. • Prescription Drugs must be covered at no less than 70%. • Mental Health and Substance Abuse Treatment must be covered the same as any other sickness without limitations. • Pre-existing Conditions must be covered from the first dollar. • Claims office must be based in the United States. • The policy has Medical Evacuation of $50,000 or more and has repatriation of $25,000 or more.

A:
Good morning. Thank you for your interest in purchasing insurance through us. You can purchase Geoblue Navigator student insurance, /geo-blue-navigator-student-insurance/ Please review this plan and feel free to contact us if you have any further questions.
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Q:Patriot Plans International Insurance Requirement What prior international insurance is required? I have international Travel Care insurance, from Liberty Insurance, but has been expired. Is that good?

A:
Thank you for contacting Insubuy. If you have been in the U.S. longer than 6 months, you cannot purchase the Patriot plans unless you’ve had a previous international insurance. As long as your international Travel Care insurance expired within the last 30 days, and you have an eligible visa status you may purchase the plan. In order to verify your eligibility we will need to know more information. Can you please let us know which plan you are planning to purchase, the ages of the insureds, state you reside, current visa status, and the date you arrived in the U.S?
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Q:Health insurance plan for international student Dear Sir/Madam I would like to buy health insurance through your web site insubuy.com and I need your help. Can you help me please. I'm a international F1 student in ALP program of California State University East Bay. I need the health insurance during my studies from July 20 to August 26. The University provide their insurance plan, but it is a little bit expensive. That's why I would like to buy alternative plan. The California State University System has mandated that all F-1 students carry health insurance that meets the following minimum requirements throughout their enrollment in a CSU institution: 1. Medical benefits of at least $50,000.00 US dollars per accident or illness; 2. Co-Payment must not exceed 25% of each bill; 3. Repatriation of remains in the amount of $7,500.00 US dollars; 4. Expenses associated with the medical evacuation of the student to his or her home country in the amount of $10,000.00 US dollars 5. The deductible must not exceed $500.00 US dollars per accident or illness; 6. The policy must be underwritten by an insurance company. 7. What kind of health insurance plan do you recommend me in additional for my studies period and this requirements? And how mush does it cost approximately? Thank you for your help in advance! Looking forward your answer

A:
Thank you for contacting Insubuy for your needs. Based on the information provided below you may purchase any plan in our Students section of our website. Two of the more popular plans are the Student Secure and the Patriot Exchange Program. You may use the links provided below to review the plan details, and obtain a quote. You may purchase online or over the phone by contacting our office at (866) 467-8289. If you have any additional questions please let us know. Student Secure: /student-secure-insurance/ Patriot Exchange Program: /patriot-exchange-program-insurance/ Does this plan apply to all California universities? Each university has its own insurance requirements for students, often indicated through their waiver forms. Please contact us at +1 (866) INSUBUY and provide those requirements to us so that we can suggest you the most suitable plan for your needs. Thank you for contacting Insubuy for your needs. Based on the information provided below you may purchase any plan in our Students section of our website. Two of the more popular plans are the Student Secure and the Patriot Exchange Program. You may use the links provided below to review the plan details, and obtain a quote. You may purchase online or over the phone by contacting our office at (866) 467-8289. If you have any additional questions please let us know. Student Secure: /student-secure-insurance/ Patriot Exchange Program: /patriot-exchange-program-insurance/ I would also show these insurance plans to the international student advisor to make sure everything goes smoothly.
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Q:International Student Insurance Questions Hi, I am from Vietnam, and am going to come to the US to study my master degree. I want my wife to have coverage while in the US and am interested in Atlas America and American Patriot (I myself have to buy the school's plan). I have some questions about these 2 plans: 1. Does these 2 plans cover the lost/damaged baggage or delayed flight of my wife from Vietnam to the US, or do I have to buy another international plan? 2. Are the PPO networks of 2 plans the same or different? I see ATlas is with First Health network and Patriot is with First Health/Coventry network. 3. From my research, 2 networks are different since I see the First Heath/Coventry providers list includes many providers that I also see in the PPO network of a better plan United Healthcare (the one my school offers). So does it mean Patriot has better and larger network than Atlas has? 4. In Atlas's PPO network, I see no hospitals in Nashville, TN, while Patriot's one has many. Is the database of that PPO network correct since I think it is unusual for a PPO network to have no hospitals in providers list. Thank you for your consideration

A:
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Plan will provide $250 for loss of checked luggage and it will be secondary to any other benefits you get from airline. It does not cover flight delay. Because this is your medical insurance NOT Trip insurance. If you want you can purchase separate trip insurance to cover flight delay or missed flight etc. 2. That’s correct. 3. Patriot has Coventry/ First health while Atlas has only First Health. Yes. 4. Please provide the zip code so we can also look and let you know. How long do you need coverage for her? You can also look at Patriot Exchange plan which is suitable for J2/F2 visa holder. Patriot Exchange brochure, instant purchase link, /patriot-exchange-program-insurance/ You can compare Atlas And Patriot plan at www.insubuy.com or visit our F1/F2 visa insurance section at, /international-student-medical-insurance/ Please feel free to contact us if you have any further questions.
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Q:International Student Insurance, Florida Hello, I hope this email finds you well. I am from Honduras, I will start a master degree at Florida International University FIU, Florida, USA on August 2016 as an international student, and I am writing to you to request information about your medical insurances plans. I am 27 years old.

A:
Thank you for your interest in purchasing insurance through us. We have many plans that is available for an international student. Can you please send your school requirements or compliance form in pdf attachment so that we can suggest some plan that meets your school requirements. YOU can also visit our F1 visa insurance section at, /international-student-medical-insurance/ Please enter appropriate criteria. You will find many plans and as per my understanding for FIU. You can purchase either Study USA FL or Student Secure Select or Elite plan. Please feel free to contact us if you have any further questions.
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Q:F1 Insurance needed Hi Insubuy, I am going to be an international student from this September in UCI (CA). I am looking for the insurance plan meets the following minimum required coverage as cheap as possible: Unlimited benefit per Policy Year 1. The deductible does not exceed $75.00 per injury/illness 2. $ 50,000 Minimum coverage for Evacuation Expenses to your home country if necessary 3. $ 25,000 Minimum coverage for Repatriation of Remains to your home country in case of death Here's my info: Visa:F-1 No allergies, disabilities, medical conditions, or medications. Looking forward to hearing back from you ASAP.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Navigator Student plan with $0ded. Navigator student brochure, instant purchase and other useful information, /geo-blue-navigator-student-insurance/ Please review this and if you have any further questions feel free to contact us.
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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?

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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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