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Ask Our Specialists

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

Q:J2 insurance Please suggest me what type of plan I can buy for J2 visa holder satisfying the attached requirements?

A:
There is no plan only for J2 visa which covers maternity. You have two options. You can purchase insurance for you and your spouse from school. Or you have to purchase insurance from us in order to meet those requirements. Link for J1/J2 visa insurance, /j1-visa-health-insurance/ Please let us know if you have any further questions.
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Q:I just paid for flight ticket ($110 - award ticket) and a tour deposit of $250. My trip is in April next year and the final payment is due in February plus there are additional internal flights need to be booked in the destination country. If I have to buy insurance now how much I need to insure to get Cancel for Any Reason coverage? $360 or ($360 + future final payment + estimated other non refundable costs).

A:
To ensure that the cancel for any reason coverage is available to you. You will need to insure the amount that you have paid for up to that point. For example if you have paid $360.00 towards your trip and this deposit was made on 10/3/20216 you have to buy your coverage no later than 10/23/16 to be eligible for cancel for any reason. You will cover $360.00 of your trip cost at that point. When you make another payment towards your trip i.e. on 12/2/2016 you purchased flights at $734. 00 and hotel at $500.00 you have to add that additional trip cost of $1,234.00 no later than 12/22/2016 in order to have it covered under your plan. No matter what the trip cost, the entire trip must be covered under the plan. So if your total trip cost is $5,000.00 but you only want to insure $3,500.00 of the trip, you will still insure $5,000.00 in trip cost to cover the $3,5000.00. In order to add these additional cost you will simply send an email to our service department with the additional trip cost and authorize the process department to charge the card on file for the additional coverage. If you have any questions about these coverage please contact our office for assistance.
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Q:I'm interested in purchasing the travel insurance on your website. I have few questions regarding "Cancel for any reason" (CFAR) coverage. It says you must purchase the policy within 20 days of your initial deposit and total cost need to be insured. Also insure within 15 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements. Does it mean I should pay all the non refundable trip cost in full within 15 days of purchase? or I must purchase the insurance within 20 days of initial deposit but the full trip cost need not to be paid within the date range meaning the final payment can be paid later. And the amount to insure must include all future payments (which are non refundable as of cancellation day) must be estimated and included within 15 days.

A:
Thank you for contacting Insubuy for your insurance needs. Cancel for any reason coverage must be purchased within 20 days of your initial trip deposit. You must insure the total cost of your trip but it is not required all monies toward your trip be paid in full by that point.
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Q:We would like to travel for 3 weeks to Australia. Kindly guide us to get a best insurance policy for both of us. we are travelling 12th October 2016.

A:
Thank you for contacting Insubuy for your insurance needs. In order to properly recommend a plan for you please provide your ages what state you are a resident of we can send a quote for coverage for you to review. Meanwhile you can find plans on the Insubuy website using the following link. Travel Outside USA insurance
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Q:International Student Insurance Sir/Madam I am going to US as exchange student from 20 Sep 2016 to 16 march 2017. For that I need to buy insurance for my wife and myself. I checked your insurance plans and plan C of INBOUND USA is suitable for me. What is procedure to buy this insurance plan online? How much it would cost? And what happened if i could not go to US because of any reason(illness,family problem or business problem)? Will you return my money back? Best Regards P.S: I live in Finland but now a days i am in Pakistan and I ll apply visa for US from Pakistan

A:
Thank you for contacting Insubuy for your insurance needs. As long as this plan meets your Universities requirements you can purchase online or over the phone. You can submit you application online using the link listed below and pay with any major credit card that allows for US transactions. You can also generate a quote for coverage using the link below. The Inbound USA plan is refundable and you can read the cancellation policy for the Inbound USA plan using the additional link below. Inbound USA brochure & instant purchase link: /safe-travels-elite-insurance/ Inbound USA Cancellation policy: /cancellation/safe-travels-elite-insurance/ If you need any further clarification please feel free to contact our office.
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Q:F1 insurance for a student To whom it may concern, My daughter will be an IELP student in Cleveland State University for 5 months within next August. Her school requires that any insurance she purchase must meet the minimum requirements of School. (1) May we know whether or not your insurance offers listed on your web site meet all the requirements. (2) Can she get my money back, if CCU will not except in her insurance she bought from your company.

A:
Thank you for contacting Insubuy. We have plans available which are designed to meet the standard J1 visa insurance requirements. We would recommend sending us the school requirements in a PDF form so we may recommend the appropriate plan. As long as you cancel the policy before the effective date you would receive a full refund on most plans. If you have any additional questions please let us know.
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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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