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Ask Our Specialists

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

Q:Insurance coverage questions Hello Is this insurance only for doctor visits? Will this also cover the expenses if this insurer is admitted in the hospital?

A:
This is a short term insurance plan. Insurance will pay for whatever treatment medically necessary as long as it’s not preventive care and pre-existing conditions. However some plan has coverage for acute onset of pre-ex. Please find more information at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please read how visitor insurance works, /how-does-visitors-insurance-work/ Please feel free to contact us if you have any further questions. Hello Can you explain what Pre-notification Penalty is please? Which insurance plan are you planning to purchase? Pre-certification you need only for major hospitalization, surgery, CT Scan or MRI. For normal dr. visit you don’t need pre-certification. Pre-certification means you informing insurance company or claim dept. for the procedure you are going for. Under Patriot America plan if you don’t do pre-certification benefits will reduce 50% while in Atlas America plan there is no pre-certification requirements. More information on pre-ceritication, /visitors-insurance-precertification-requirements/ You can find more information on certificate wording for each plan.
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Q:International Student Insurance Dual citizenship I am a double national, American-Spanish, always living in my home country Spain. In the next academic year term from August 15th, I will be a full-time student at University of Idaho as an international student, I am not going for a degree from UI, credits are to be transferred to my university in Spain. But I must be there as an American citizen, therefore I won?t have any visa. The question is whether I could be eligible for the International Student Insurance during my staying at UI (about 9 months).

A:
Thank you for your interest in purchasing insurance through us. You can purchase short term domestic plan. If there is no insurance requirements from your school. Link for Short term insurance, /short-term-health-insurance/ Please enter appropriate criteria. You will find 2 plans. Please compare them side by side and feel free to contact us if you have any further questions. I am not sure whether your “short term medical insurance” coverage meet completely the University of Idaho insurance requirements as below listed. Would you tell me? If they meet maybe it would be my best option. As a US citizen your US citizenship will always take precedence for insurance purposes. You will need to purchase insurance from your sponsoring organization.
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Q:Medical Insurance in USA I would like to check if I can buy medical insurance in USA (I am a non USA citizen), my details are as follows: Age: 55 years From Hong Kong to USA NEW YORK â€" arrival New York on 3 July 2016 Depart New York for HK on 31 Oct 2016 Holding Philippine Passport With USA visa untill year 2024 Coz I forgot to buy my travel insurance before I depart Hong Kong for New York (on 3 July 2016). I therefore would like to check if I can buy any medical insurance when I am in New York. Thank you and looking forward your prompt reply.

A:
Thank you for contacting Insubuy for your insurance needs. A separate quote for coverage has been sent to your email. You are eligible to purchase insurance. If you have any question please feel free to contact our office for assistance.
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Q:Requesting information I would like to know if I can pay a medical insurance using my debit card. The insurance is for my wife only (43 years old). I tried online and had no luck. We are both from El Salvador and we want the insurance for our trip to the US.

A:
Thank you for contacting Insubuy. Payment can be made with any major credit card visa, MasterCard etc.. As long as your allows for international transactions you ar able to use the card.
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Q:I am pursuing my Masters at Fairleigh Dickinson University.I am reaching out to you to check whether this Health insurance can help me to waive my school Insurance.

A:
Thank you for contacting Insubuy for your insurance needs. There are no plans available that would meet your Universities requirements. We recommend purchasing from your University. If you have any additional questions please let us know.
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Q:Insurance id card / Fulfillment How do i get the ID card in email after paying it?

A:
Thank you for contacting Insubuy. You will receive virtual copies of documents immediately after purchase. Depending upon the plan that you are purchasing you may also receive documents in the mail within 5-7 business days. Can I get email of ID cards and docs required for travelling also? These will be included in the confirmation email.
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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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