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Ask Our Specialists

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

Q:J1/J2 medical insurance I am a visiting scholar in University of South Florida (J-1 visa). I am trying to purchase an insurance plan on Insubuy but I am not sure if the plan meets the requirement for the school. Could you please help me check it? The plan must have medical benefits of at least $100,000 per accident or illness, repatriation of remains in the amount of $25,000, expenses associated with the medical evacuation of the exchange visitor to home country in the amount of $50,000, & a deductible not to exceed $500 per accident or illness. By the way, I am wondering if it is possible to start the insurance from 03/15/2016 since the school requires to start insurance from the date of entrance. Thanks for your help.

A:
Thank you for your interest in purchasing insurance through us. WE can start policy today but NOT from 03/15. You can purchase Atlas America plan which meets all your school requirements and you can start coverage from 03/16. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ Please review this and if you have any further questions feel free to contact us. You can find more plans for J1 visa at, /j1-visa-health-insurance/ Thank you very much for your reply. Could you please help me check if patriot exchange program meet the requirement for USF? And can you help me fill out the insurance compliance form after I purchase the insurance? Thank you. The Patriot Exchange Program does meet the aforementioned requirements that you have provided. If you would like for us to compare your coverage to your Universities requirements please send them in PDF form and we will be more than happy to do so. After purchasing the plan we can have your compliance form completed by the proper department.
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Q:Plan for J1/J2 Could you give me the details of insurance coverage ONLY for medical evacuation and repatriation? (Assuming that I have an insurance from my university that cover the rest of health coverage)

A:
If you want insurance only for evacuation and repatriation. You can purchase inbound USA plan for $50,000. Inbound USA brochure, instant purchase link, /safe-travels-elite-insurance/ If you have any further questions feel free to contact us.
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Q:J1 visitor insurance needed I am a J1 visitor currently doing research at UIC in Chicago. I searched through your website and was wondering if I can purchase other plans like Safe Travels USA Cost Saver for visitors to USA, or I must choose from those 4 plans specified for J1/J2 visas?

A:
Thank you for contacting Insubuy for your insurance needs. Plans from the visitors to USA section of the website will not meet the requirements for a J visa holder. Please shop within the specified J1/J2 Exchange Visitors section as the plans will meet the standard J1 visa requirements set by the Department of state. If your University has additional requirements please review plan benefits to ensure that all requirements are met. If you would like assistance from a licensed agent please feel free to send your Universities requirements and we will recommend a plan accordingly. Thank you for your quick response. These are my university requirements: 1) Medical benefits of at least $100,000 per accident or illness; 2) Repatriation of remains in the amount of $25,000; 3) Expenses associated with medical evacuation of the exchange visitor to his/her home country in the amount of $50,000; 4) A deductible that does not exceed $500 per accident or illness. I take a look at “safe travels USA cost saver” plan and it seems it covers all the requirements: Deductible : 250$ Policy max: 100,000$ Emergency Evacuation: 2,000,000$ Emergency Reunion:15,000$ Repatriation of remains: 1M $ As you might guess, I am looking for the best option with lowest monthly cost (preferring comprehensive plans) and this plans seems a good deal for me. Please let me know if I can apply for this plan and if the answer is No, help me with the best options I have. I might consider good dental coverage as well. The safe travels plan is not a J visa insurance plan so you are not eligible to purchase this options. You will need to shop only within the J1/J2 Exchange Visitor’s Insurance plans. Please see the links to the plan listed below that will meet your Universities requirements. If you have any further questions please feel free to contact our office. Patriot Exchange brochure, instant purchase and other useful information, /patriot-exchange-program-insurance/ Atlas America brochure, instant purchase link, /atlasamerica-insurance/ You can find more plans for J1/J2 visa at, /j1-visa-health-insurance/
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Q:I am a J1 visiting scholar and already have my insurance policy. My family with J2 status is visiting during 11th October 2016 to 7th January 2017. Kindly inform me whether can I buy the Insurance here in USA by my debit card. 1. I have been working as the Short term Research Scholar sponsored by the University Grants Commission, Government of India New Delhi. 2.They sponsor my fellowship and my Health insurance. Hence, I have purchased the same for me as per the requirements of my host university. My sponsor is not responsible for my family and hence payment towards the insurance policy will be done my me. 3.Neither my adviser nor the sponsoring agency will have the responsibility of buying the Insurance for my family with J2 visa. I hope this information is useful.

A:
You can purchase Atlas America plan which meets standard J2 visa requirements and it's family friendly plans so if one parent insured child under 9yrs will get insurance at no cost. You can also find various insurance plans for J1/J2 visa at, /j1-visa-health-insurance/ You can use credit/debit card. Once purchase insurance will receive insurance confirmation which will have virtual id card, visa letter and other useful information. Please feel free to contact us if you have any further questions.
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Q:We want to do body check. could you give me the suggestion hospital near my apartment that the insurance can cover?

A:
If you are referring to a physical the plans for visitors do not cover a well exam but instead will cover a new illness or injury that occurs after the effective date of the policy.
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Q:Do you have plan for medical insurance covering extreme sport such as rock climbing for other location than USA?

A:
Yes, we do have plans that will cover rock climbing if you add the adventure sports rider to the existing policy. Patriot America Plus This plan will cover you everywhere outside of your home country and if you include the Adventure sports rider will cover rock climbing up to 4500m. Safe Travels International Cost Saver This plan will cover mountain climbing up to 3500m if you include the hazardous activity rider. If you need additional 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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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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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