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Ask Our Specialists

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

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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Q:insurance coverage I’d like to apply for insurance coverage for me and my family for few days stay in US i’d like to ask for the following during my online application its required to enter the state while i’m going to visit more than a one state its mentioned that they will sent me a kit through mail while i’m travelling tomorrow so can i receive the kit upon arrival in New York and how long it takes for the delivery?

A:
Thank you for your interest in purchasing insurance through us. Your policy documents will be sent electronically. For anything that is sent through the mail it would take approximately 7-10 business days. If you need additional assistance please feel free to contact our office.
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Q:Atlas travel insurance for US My parents have recently arrived in USA for their summer trip from India. I wanted to know if they would still be eligible for atlas travel insurance as they have already landed in USA. Some plans I saw online need you to be in home country before taking travel insurance.

A:
Thank you for your interest in purchasing insurance through us. What state are they visiting? The Atlas America plan is still available for purchase once they arrive except in WA, MD or NY. If you need additional assistance please feel free to contact our office.
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Q:Pregnant visiting the USA I am pregnant in 6 months and intend to deliver my baby in USA how I can register for medical insurance? How much it cost?

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, there is no insurance for visitors that will cover pregnancy. The plans for visitors will cover any new illness or injury that occurs after the effective date of the policy so the pregnancy will be considered a pre-existing condition and would not be covered. You would pay all charges out of pocket. If you need additional assistance please feel free to contact our office. can you help me average cost of delivery in USA for normal delivery? The cost will vary depending on location and other factors. You may need to contact local hospitals and ask their billing department the cost of delivery. From experience in my area it cost from $15,000 to $20,000 for a normal delivery. thanks for your reply. is there is any medical insurance company can cover our case as my wife pregnant in 6 months now or all companies same We are a broker so we offer the major plans that are on the market and no plan will cover maternity for a visitor. All plans are the same in this respect.
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Q:Deductible questions for medical insurance For Save Travel USA plan, if I need to extend time for the policy, will the deductible paid apply and nothing else change?

A:
Yes, if you meet the deductible and then renew the plan it will carry over. Nothing else will change. If you need additional assistance please feel free to contact our office.
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Q:Insurance delivery question I will be traveling to the US soon, for a stay of 2 weeks and I am interested in purchasing a visitor's medical insurance. My trip is in two weeks and I would like to know if I should expect any physical documents from you and whether there is enough time for them to arrive at my current location, Grenoble, France.

A:
Thank you for your interest in purchasing insurance through us. It depends on what plan you purchase if any documents are sent through the mail. All plans provide policy documents electronically. If you need additional assistance please feel free to contact our office. I'm interested in the 100$ deductibles, 200,000$ or 500,000$, AD&D, Liability package. I progressed the process and saw that I can request online fulfillment and I can print the documents myself. Just one clarification; the insurance covers emergency medical expenses after deductibles, but not preexisting conditions, is that correct? That is correct. All plans on the market for visitors to the U.S. exclude or do not cover pre-existing conditions. Some of the plans come with what they will call limited pre-existing coverage or the Acute on-set benefit. This is a benefit that is included with some of the plans and states that even though the plan does not cover pre-existing conditions, if someone age 69 or younger has a sudden and unexpected life threatening emergency that has to be treated immediately or within 24 hours due to a pre-existing condition, it may be covered based on the doctor’s report at the time of the claim. Please let us know if you have any additional questions.
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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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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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