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Ask Our Specialists

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

Q:J2 dependent visitor insurance I am currently on B1/B2 visa, and soon will be upgraded to J2 visa. Therefore, I want to apply for health insurance, can you pls. guide me on how to purchase health insurance and what are the charges plus benefits/coverage included in the plan. I am a dependent of the student with the limited budget so would appreciate some discount too. I am soon to arrive in the US in early September. Will appreciate your prompt response.

A:
Thank you for your interest in purchasing insurance through us. We provide many insurance plan that meets Standard J2 visa requirements. But in order to suggest any plan would like to know is there any insurance requirements from your husband school? If yes, please send it to us. Otherwise, please visit our website for J1/J2 visa insurance at, /j1-visa-health-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us. Have a great day!
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Q:J1/J2 USA Health Insurance We are an Australian family and we will be moving to live in the USA for a year. My wife has arranged a fellowship in Boston, MA which commences in September. We will be arriving in the USA on 8 August 2016 and living in Boston until the end of the fellowship in early July and then plan to travel for a few weeks in the USA and Canada until the start of August 2017 at which time we would return to Australia. I am 39 years old, my wife is 37 years old and we have three children that will be 5, 2 and 11 months old when we arrive in the USA. I have been investigating health insurance options and got some quotes from your website for Atlas America ($4,080.44) and Patriot Platinum America ($9,080.03) policies. The quotes were based on 364 days for $1m coverage and $0 deductible. Could you please advise which policy you would recommend? Is the Patriot Platinum policy significantly better given the increase in cost? I’ve read some blogs of people saying that Atlas America rejected their claims. Is one insurer more reliable than the other or have better customer service? Also, we are in the process of applying for J-1 & J-2 Visas for our family and we have been advised by the agency managing this (Cultural Vistas) that we need to obtain a level of health insurance that complies with specific US government regulations. I have attached a form that Cultural Vistas have sent us that they require our insurance company to complete and sign the very last section on the last page. Would Atlas America and Patriot America insurance companies being willing to complete and sign this section of the form if we purchased their health insurance? This is important because we cannot get visas unless they are willing to sign the form.

A:
Thank you for your interest in purchasing insurance through us. As a broker we provide insurance from most of the major companies in US Market. You need to purchase Patriot Exchange plan that is suitable for J1/J2 visa holder. Patriot Platinum plan has policy max. lifetime of the policy, While Patriot Exchange has policy max. per incident. Atlas America plan is also very good. But in Atlas America plan there is country restriction that insured person should not be physically located in Australia at the time of application. Please read attachment herewith. So I would suggest to go for Patriot Exchange plan. In that plan you can have max. coverage for $500k/ incident. Patriot Exchange brochure, instant purchase and other useful information, /patriot-exchange-program-insurance/ Please review this plan and if you have any further questions feel free to contact us. You can find more plan for J1 visa insurance at, /j1-visa-health-insurance/ Please select policy max. $500k-$600k. And you can compare with other plans.
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Q:J1 need lowest insurance quote I am Post doctoral fellow at university of Cincinnati, OHIO due to funding issues my dept could not cover my health insurance.. It is mandatory to maintain the insurance for my J1 visa status. I am looking for the cheapest insurance with the coverage and benefits recommended by the school which is $100,000 per accident or illness a deductible not in excess of $500 repatriation of remains in the amount of $25,000 medical evacuation in the amount of $50,000 coverage period from May 1st 2016 to June 15th 2016.

A:
Thank you for your interest in purchasing insurance through us. We have many plans that meets J1 visa requirements. You can purchase Patriot Exchange Program plan with $100,000 coverage. There is also a fixed coverage plan called Inbound USA that will meet your Universities requirements. Please review the plans listed below. Patriot Exchange Program brochure, & instant purchase link: /patriot-exchange-program-insurance/ Inbound USA brochure & instant purchase link: /safe-travels-elite-insurance/ You can other plans for J1 visa at, /atlasamerica-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us. Does these two insurance that you recommend cover the Evacuation and Repatriation Thank you for contacting Insubuy. Both plan will include coverage for medical evacuation and repatriation. Information about the benefits of each plan can be found within the brochure and the legal certificate wording. If you need any further assistance please feel free to contact our office.
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Q:J1 Travel health insurance My boyfriend and I live in Austria and we will travel between 07/15/2015 and 01/15/2017 (to South East Asia for 45 days, then to the USA for 4 months, and then again to southeast Asia for a bit less than a month). I will apply for a USA J1 visa but my boyfriend will stay in the USA with a tourist visa only for 3 months. I would like to know if the health insurance below will cover our whole trip.

A:
Thank you for your interest in purchasing insurance through us. Yes. Atlas America plan meets standard J1 visa requirements. If you have any additional requirements from school. Please send it to us. You have to do separate application for you and your boyfriend. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this plan and if you have any further questions feel free to contact us.
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Q:J1 visitor insurance needed I have got the requirement from the international students office of my university and I want to make sure that the proposed quotes cover those requirements which are: For your coverage to meet the minimum levels required, you must provide proof that your insurance has: • $100,000 per accident & illness in medical coverage • Annual Deductible cannot exceed $500 • Coinsurance cannot exceed 25% • Medical evacuation coverage must be at least $50,000 • Repatriation coverage must be at least $25,000 • Plan includes a reasonable waiting period for pre-existing conditions • Carrier must be at least A- rated. Could you please confirm that requirements?

A:
Good morning. As per your school requirements. You need to purchase Patriot Exchange plan with $100k because of requirement # 6. Patriot Exchange brochure, instant purchase and other useful information, /patriot-exchange-program-insurance/ Please review this plan and if you have any further questions feel free to contact us.
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Q:J1 visitor insurance needed Dear Madam or Sir, I am looking for a plan that would be compatible with Stanford University requirements, that include coverage of pre-existing conditions and mental care. I am wondering if a plan that meets those exists among those you provide?

A:
Thank you for your interest in purchasing insurance through us. You can purchase Student Secure Elite plan which will meet all your school requirements. Student Secure Elite brochure, instant purchase link, /student-secure/student-medical-insurance/ Please feel free to contact us if you have any further questions. I still have a couple of questions, and would be very grateful if you could provide me some assistance. 1. Just to be clear, it is mentioned that the pre-exisitng conditions are covered after 6-month waiting period, and my trip will take place on July 25 - November 1st. From what I understand I have no pre-existing conditions, but I am not sure if that really matters? If it doesn’t matter, then maybe there are other options that you have available? 2. I would also like to know if that would be possible for a representative of your company to fill the form once I have my insurance ordered. The recommended plans are based upon the requirements of Stanford University. They have requirements and in order to get your form completed it has to meet the requirements that your University has. After making your purchase we will be more than happy to send your compliance form to the proper department for completion. If you need any further assistance please feel free to contact our office.
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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?

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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