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Ask Our Specialists

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

Q:Atlas America query I am planning to buy Atlas America insurance for my parents visiting USA. I estimated the total cost to be $1348 for 170 days. If I don't file any claims for the six month period is the amount refundable?

A:
Thank you for your interest in purchasing insurance through us. Refund policy under Atlas America plan is that you will get pro-rated refund minus $25 cancellation fees as long as there is no claim has been filed since the original effective date. If your parents stay here for 170days that means they will have insurance for whole duration in that case there will not be any refund. Please read more information on cancellation, /cancellation/atlas-america-insurance/ Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions.
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Q:Request for Insurance for Kailash, Tibet I would like to ask about my options for travel Insurance for Kailash, Tibet. I am from Serbia, Belgrade and I am flying from Belgrade on 8th of August to Kathmandu, and returning from Kathmandu on 19th of August. I'm going on a pilgrimage trip to Kailash, Tibet, and we are tracking to 5800m altitude. I need an insurance that covers emergency air evacuations, medical aid and natural calamities like earthquake. Could you please tell me how much would it cost and what are my options. Thank you in advance.

A:
Thank you for your interest in purchasing insurance through us. We recommend the Atlas International plan for this trip. Please see the link below for more information. /kailash-mansarovar-yatra-travel-insurance/ Atlas International brochure and instant purchase link: /atlas-international-insurance/ If you need additional assistance please feel free to contact our office.
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Q:General Visitor Insurance questions We plan to travel to USA and need comprehensive coverage for medical insurance.

A:
Thank you for your interest in purchasing insurance through us. We provide insurance from most of the major companies. If you provide insured age, legal status, how long you need coverage, and in what state, we will be glad to suggest some insurance plans accordingly. Meantime, you can visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:Chinese Speaker available for insurance questions Hi I want to buy the insurance, but I do not know which kind is good for me? please call me in Chinese, is OK

A:
Can you please provide your complete area code and phone number? Or if you prefer, you can call our office 866-INSUBUY (866.467.8289) and enter ext 115 to speak with a Chinese speaking representative.
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Q:Atlas America comprehensive visitors insurance I wish to cover my wife, with the comprehensive insurance policy mentioned above. the details are as follows: 1. Travel to USA included. 2. Period for which cover required : July 22, 2016- January 11, 2017, inclusive. 3. Date of birth: Sept 27,1948 4. Coverage amount: $ 50,000 5. Deductible $ 250 Could you tell me what Personal Liability Coverage comes with this policy ? Is this the maximum amount which the insurance company will pay as Third Party Liability ? Is the maximum third party liability settlement amount fixed in this policy or will it be governed by the Court Order, in case of such liability arising ? I ask these questions because you have offered an option where I can increase Personal Liability Coverage to $ 100,000 by payment of $0.30 per day. You have quoted $ 936.12 for the premium amount for the conditions mentioned above. As soon as you reply about the Personal Liability Coverage, payment will be made.

A:
You can review the personal liability coverage details on page 20 of the Description of Coverage at /atlas-america/international-medical-insurance.pdf Complete details about Atlas America including purchase link is at /atlasamerica-insurance/ Please let us know if you have any other questions. Thank you for your prompt reply. I have read the details of liability coverage and have also got a quote from you website. All particulars remain the same as those in my original mail below except: 1. Deductible required now is $ 500 instead of $ 250. 2. Personal liability coverage is now $ 100,000 instead of the policy maximum. With these two changes, the premium amount quoted in your website amounts to $ 896.10. That is perfect. If your son needs any assistance with this purchase tell him to feel free to call our office.
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Q:Query J2 dependent visitors I am coming to University of Denver as visiting faculty Position on Full Bright Scholarship under USIEF (United States India Education Foundation) program. My duration of stay would be 9 Months starting from Aug 2016 to April 2017. My Med Insurance is being provided by USIEF. I have to buy Med insurance for my spouse and two kids for the same period. I am having J1 visa and spouse and kids would be on J2 visa. We need Med Insurance of $50000. Please let us know what are the options available for us. Expected stay 05 Aug 2016 to 15 May 2017 Spouse Date of birth 1 June 1974 Visa J2 Child 1 Date of birth 9 Oct 2009 Visa J2 Child 2 Date of birth 9 June 2012 Visa J2

A:
Thank you for contacting Insubuy for your insurance needs. Please send your sponsoring organizations full list of requirements in PDF form so that a proper plan recommendation can be made. Thanks for reply We are not provided any specific Check list for it. It would be good if you suggest us a policy for $50000 then will discuss that policy with sponsors. The reason we would suggest you speak with your sponsoring organization first is $50,000 dollars in coverage is no longer a sufficient amount of coverage in accordance with the standards set by the U.S. department of States requirements for J Visa holders. The new standard requires a minimum policy amount of $100,000, repatriation benefits in the amount of $25,000 and medical evacuation coverage in the amount of $50,000. You can use the link below to plans listed based up the new required minimum for J visa holders set by the U.S. department of state. J1/J2 visa (Exchange Visitor) Insurance: /j1-visa-health-insurance/ Thanks we will reply you back soon. Once you have the specific requirements you can forward them to us and then we can recommend a plan based on the requirements. If you need additional assistance please feel free to contact our office. We will start by buying Atlas America (Comprehensive coverage plan) initially for one month then we will renew it after reaching USA. We are comfortable with this plan but there is no Dental facility included. How can you add Dental facility to this Plan? Thank you for contacting Insubuy. Dental is not a benefit that you can add onto a policy and it is not an included benefit. If you are wanting to purchase a dental plan there is a discount plan available. Please use the link listed below for more information about this plan. Careington Dental Discount: /individual-family-dental-plans/
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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.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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