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Ask Our Specialists

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

Q:How does the deductible work on these Schengen plans? What does deductible mean? I just want for a month travel insurance not for whole year.

A:
The deductible is the amount that you are required to pay before the insurance pays it portion. The deductible will apply regardless of whether you purchase for 1 year or 1 month.
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Q:We are 8 person in Auburn University. We need to help. We want to take a j1 exchange superior plan. However the insurance coordinator don't allow us purchase before waiver form. And we have only 2 days for purchase. Please help us My school insurance coordinator send e-mail to me ; "Please ask the insurance company to complete the attached waiver form. If they can answer that their insurance is equal to or better than our insurance then its fine and you can purchase it. If not, we will not be able to use it for a waiver." I'm waiting your e-mail. Thank you

A:
Thank you for your interest in purchasing insurance through us. Atlas America plan does not meet your school requirements. In fact, You will not get any plan in outside market which meets all of your school requirements. You have to purchase insurance from your school.
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Q:My daughter is a US citizen and an Australian resident (green card). We live in Australia for the past 7 years. Lauren is going to NY to study for 10 weeks at a high school in NY as a sophomore. I am trying to find health insurance for her.

A:
Please see the link below for a plan that your daughter would be eligible to purchase. Safe Travels USA Cost Saver If you need additional assistance please feel free to contact our office.
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Q:I will be in USA for 4 months. ( until 28 December). I am 28 years old and I have got F1 visa. I am a student at Virginia Tech Language and Culture Institute in Blacksburg in Virginia. Can I buy my health insurance just 4 months? From September 15 2016 to December 15 2016 ? Can you give me information about that issue, please? And can you tell me the cheapest price, please?

A:
Thank you for your interest in purchasing insurance through us. Does your university have any insurance requirements that need to be met? If not, there are several plans on our website that will cover you for the time you are requesting. Below are the links for the plans with the lower cost as requested. Patriot Exchange Program Student Secure Smart Atlas America If you have any questions or need additional assistance please feel free to contact our office.
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Q:requirements: medical benefits of at least $100,000 per accident or illness a co-payment not greater that 25% of the covered benefits per accident or illness a deductible not greater than $500 per accident or illness a waiting period for pre-existing conditions that is reasonable by current industry standards repatriation of remains not less than $25,000 in coverage expenses associated with the medical evacuation of the exchange visitor to his or her home country in an amount not less than $50,000 the birth date of my family J1 male 07/20/1978 J2 female 01/25/1979 J2 female 11/12/2007 Can you offer us two plans one include maternity ,the other not

A:
Thank you for your interest in purchasing insurance through us. There are several plans that will meet the requirements as listed including the maternity as long as the insured is not already pregnant. You would have to have all insured's on the same plan to be able to meet the requirements as well as include maternity. For example, the J2 would not be eligible for a plan separately that will cover maternity and pre-existing conditions. Below are the links for the plans that will meet your requirements. Student Secure Elite Study USA Student Health Advantage If you need additional assistance please feel free to contact our office.
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Q:Do you have plans for Schengen visa? I am applying for Iceland Visa. Could you please let me know which kind of insurance I should buy? I searched the website of Insubuy. The most of insurance are available if you depart from your home country. But I will depart from US to Iceland. Thank you. Look forward to your reply.

A:
You can look at Schengen visa insurance All of the plans would meet the requirements of Schengen visa insurance.
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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.

Did you know?

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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