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Ask Our Specialists

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

Q:I would like to ask about insurance for my wife, she has J-2 visa, and we need the insurance to cover maternity and other basic requirements. I missed the deadline to enroll my wife on my insurance. Can you send me the quotes and plans please? I preferred to be contacted by email. Thank you. And my insurance has been covered by university.

A:
The plans for a J2 will not cover routine or maternity related expenses. The plans will cover any new illness or injury that occurs after the effective date of the policy. The plan we would recommend is the Atlas Exchange for new illness or injury. If you need additional assistance please feel free to contact our office.
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Q:I am an international student currently on OPT. My employer doesn't provide health insurance. Is there any plan suitable for my case.

A:
We have many plans that will be suitable for you. But before we suggest any plan would like to know some information like your age, which state do you need coverage, what kind of insurance you had (preferably company's name) when you were student and the expiration date of your prior insurance. You can also find various in the OPT Medical Insurance section in our website. Please feel free to contact us if you have any further questions.
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Q: I need more info on quote. This one is a travel quote, but I worry if it covers all the countries I plan to go to or just the one main country?

A:
Thank you for contacting Insubuy for your insurance needs. The available plans will cover you anywhere outside of your home country or country of citizenship.
{{currentOrigin}}/answers/visitors-insurance/coverage-area-for-visitor-health-insurance-50440/

Q:My boyfriend and I are traveling to Czech Republic next year February for Two weeks . We need Travel Insurance that falls in line with what the Schengen Visa Embassy requires . It must be NO Deductable and insure to the value of $45000 . Please contact me if you have an insurance plan suitable.

A:
Thank you for contacting Insubuy for your insurance needs. You may purchase a plan from the Schengen Visa section of our website. These plans will meet the consulates requirements and provide a visa letter shortly after purchase. Please use the link below to review the plan options and purchase. You may also obtain a plan recommendation by contacting our office at (866) INSUBUY. If you have any additional questions please let us know. - Schengen Travel Insurance
{{currentOrigin}}/answers/visitors-insurance-usa/schengen-visa-insurance-requirements-by-embassy-60728/

Q:I want to buy the patriot exchange for my wife and two children for 1 month (184.4 $) but when proceeding with the application i can't proceed without adding me so the total become 259.9 $ also i am insured through my university I just need a medical insurance for J2 dependent only.

A:
We can certainly assist over the phone with enrollment, but we can also advise on the current issue you are having if you would like to process the application yourself online. In the Patriot Exchange application, you would never enter any of your information. Your spouse will be the primary insured and then your 2 children the dependents. So for example, you not going to put your information in as the primary and then put your spouse's information under spouse. Again, she will be the primary insured and no spouse's information would be entered at all. Then the policy should at one point in the application ask if the J1 has coverage through a sponsoring organization/ university etc. As long as that is answered as yes, then you can proceed forward with the application. Let us know If you have any additional questions.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/purchasing-patriot-exchange-j2-visa-holders-11115/

Q:I purchased a month medical insurance (Patriot Exchange), and now I need a confirmation letter of coverage benefits that covers J visa requirements to provide to the university.

A:
The confirmation email is sent when the policy is purchased and the visa letter that is provided in the confirmation email can be printed and provided to the university. If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/purchase-patriot-exchange-confirmation-letter-j1-visa-requirements-85046/

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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Prices are regulated by law.

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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