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Ask Our Specialists

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

Q:Buying Inbound USA plan for my parents visiting USA I have a query my parents age is 73 & 74. They would be traveling to USA for 3 months .When purchasing the insurance together from the site. It says there would be benefit reduction and policy should be purchased separately for dependents greater than 70 years. Can you please explain the difference in purchasing the policy separately for both of them or clubbing both of them in one policy . As overall premium paid by me would remain the same in both the cases.

A:
Thank you for contacting Insubuy. It is required that you make 2 separate purchases for plans if anyone is over the age of 70 as benefits will be different. Applications will require you to make separate purchased as they will not allow you to continue. The premium will be the same in any instance.
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Q:Pregnant visiting the USA My wife and I visiting USA and Canada for a few months and my wife is pregnant and there is possibility of delivery during our visit. I'd like to have a insurance to cover her pregnancy until child birth and later. I need a decent , effective and low cost insurance package. Kindly acknowledge me about low and medium level packages and the most popular and the one that your company recommends.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there is not a plan on the market that will cover any maternity related cost for a visitor into the United States. This will be an expense that you will have to pay for completely out of pocket. Atlas America on cover for pregnancy complications up to the first 26 weeks of pregnancy. For more information about this benefit please see the link to the FAQ. Feel free to contact our office if you need any further assistance. Pregnancy Coverage FAQ: /us-visitor-insurance-for-pregnancy-coverage/
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Q:Visitor outside USA Pre-Existing Conditions Am I covered for pre existing medical conditions. Nowhere on the application form does it ask for details of pre existing conditions,

A:
What plan are you purchasing? I think, visitor. i need coverage for 3 days on the way to UK. and 5 days on the way back from UK. As the plan are only meant to cover the new accidents and new illness that occur after the effective date of the policy. The application will not ask for you to disclose any information about your pre-existing conditions. Please provide the name of the policy that you are interested in purchasing so that we can advise you accordingly.
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Q:Pregnant visiting the USA I am sending this email to obtain information about the insurance I am willing to get for my wife. We are expecting some time in February 2017, the baby is now 7 weeks. I wonder if you could provide me with some insurance plan for to cover the delivery and any other costs on the American soil.

A:
Thank you for your interest in purchasing insurance through us. Are you coming to the US on a visitor visa or another visa type? Unfortunately, there is no plan on the market for visitors that will cover maternity or delivery. There is one plan called Atlas America that will cover for pregnancy complications up to 26 weeks. If you need additional assistance please feel free to contact our office.
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Q:Insurance discount question Hi, I got your reference from my colleague who is also planning to take Visitor Insurance. I wanted to know if you guys would offer any discount if there are is requirement for 2 or more applicants/policies?

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, the price is regulated by law so it’s not possible to offer any discount and the cost is based on the age of the insured. If you need additional assistance please feel free to contact our office.
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Q:Insurance Coverage Area Question My in-laws are travelling to USA this month. They would stay in the US for ~35 days. Half that time in Illinois state and the remaining in Washington state. When getting the quote for insurance, it asks for state. Does it indicate the state where insurance is covered? In my scenario will the coverage be fine for both the states?

A:
Thank you for your interest in purchasing insurance through us. You would put the state where you are wanting mail, if any, to be received. The plans will cover in all states. If you have additional questions 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.

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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