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Ask Our Specialists

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

Q:Information on medical insurance for my parents visiting USA My parents ages of 72 and 70 are coming to visit me in USA for 4 to 5 months in near future. My father has diabetes, however it is in control by taking medicine regularly and managing diets. My mother has high blood pressure but it is in control by taking medicine regularly. Could you please tell me what type of medical insurance I should buy for them? Thank you for your suggestion.

A:
Thank you for contacting Insubuy for your insurance needs. As a broker we provide insurance from many companies. Unfortunately there are only couple of plans for age 70+ which covers sudden and unexpected recurrence of pre-ex max. up to $2500. More information on sudden and unexpected recurrence of pre-existing conditions, /sudden-and-unexpected-recurrence-of-pre-existing-conditions/ Patriot Go Travel covers $2500 for sudden and unexpected recurrence of pre-ex but it does not cover any travel benefits like evacuation or repatriation. If you are OK with that you can purchase Patriot go travel plan. Patriot Go Travel brochure, instant purchase and other useful information, /patriot-america-lite-insurance/ You can also purchase Patriot Platinum plan with $100k and it has sudden and unexpected recurrence of pre-ex and travel benefits as well max. $2500. Patriot Platinum brochure, instant purchase link, /patriot-america-platinum-insurance/ You can also find more plans at www.insubuy.com Please enter appropriate criteria. You will find many plans , narrow by plans with pre-ex coverage, 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:Visitor Care - Information queries I am interested in your Visitor Care insurance. I am a Belgian citizen. I am living in Canada since June 2015 and came here with a Belgian travel insurance, which last for a year. I'd like to extend my stay up to August, but I can't extend my Belgian insurance which means I'll have to subscribe a new one for the period from June 22 to mid-august. I wanted to know if it was possible to subscribe to your medical care insurance in my situation? Also is the insurance covering travelling in America and Canada with no limit of time? Thank you for letting me know,

A:
Thank you for contacting Insubuy for your insurance needs. In order to determine eligibility for coverage please provide the visa type that you are traveling on as well as your age, the state that you will be visiting within the United States and the departure date from your home country. After receiving this information we can determine eligibility or recommend a plan that would be available to you during your travels. To reply to your questions: - My actual travel insurance is not provided by my visa but a company insurance. Yet I have a Belgian visa credit card. - I am 33 - We are planning to drive trough Illinois, Missouri, Oklahoma, Dallas, New Mexico, Arizona, California, Oregon, Washington, and then through Canada from Vancouver to Montreal. - I have already left my home country and arrived in Canada on June 22, 2015. My current insurance is ending on June 21, 2016, so I'll need a new one from this date. We are planning to arrive in American on July 21, and be back in Canada around July 20. I am planning to go back to my home country around August 10. Thank you for letting me know, Please provide the visa type that you are traveling on in your passport. Are you traveling on a traveling on a tourist visa? Hello, Yes I'll travel with a tourist visa. You would be eligible for the visitor care fixed coverage plan for coverage during your travels. Please use the link listed below for more information about the plan and to generate a quote coverage. Visitor Care brochure & instant purchase link: /visitors-care-insurance/ Other qualifying plans can be found at: / Okay, thank you. I would like to know, can I stay as long as I want in Canada or America during my trip? (Since some insurance ask you to stay eg. 50% of the time of your trip in a specific country). You can stay in US and/or Canada for any duration. Visitors Care covers anywhere outside your home country.
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Q:Health insurance for visitors to USA: Pre-Existing Conditions I will be visiting Hawaii in August for 14 days and would like some advise on policies available to cover me as I had a mild heart attack in 2010 when they inserted 2 stents and have had no problems since. I was also diagnosed with crohns disease in 2009 but have had no hospital admittance or bowel obstruction issues and both these conditions are well controlled with current medications. I travel on a British passport but reside in New Zealand and am 61 years old at present ( birthday due in 15 days) and have never smoked. If you can also advise what you would consider a policy cover amount required should I need hospital treatment as I am unaware of the average costs of medical treatment in the USA but have heard it can be expensive Thanks for your time

A:
We have many plans for visitors to the US at www.insubuy.com where you can enter the required information and see all the available plans. I would recommend a plan called Atlas America. Since there are no plans on the market that will cover a pre-existing condition, the Atlas America plan will cover an Acute Onset of a pre-existing condition. Here is the brochure and instant purchase link for the Atlas America plan: /atlasamerica-insurance/ More information can be found here regarding the Acute Onset benefit: /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please feel free to contact our office if you would like additional information or have any additional questions.
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Q:Inquiry Health Insurance E2 Visa We found your company and interested in your Patriot Platinum America Insurance with a policy maximum of $1 or $5 million. We will move to Jacksonville with an E2 visa in about 2 months. My husband is German and 42 yrs old. He already has an SSN. I am Austrian and 36 yrs old. Our son is German and Austrian and 2 yrs old. Can you please provide an offer and detailed Information.

A:
Thank you for contacting Insubuy for your insurance needs. The Patriot Platinum America plan is available until the insureds are eligible for a domestic insurance. Please see the additional quote sent for coverage. This plan will cover any new accident or new illness that occurs after the effective date of the policy. Plans will not cover any pre-existing conditions, maternity, routine or preventative care, nor any medications related to pre-existing conditions. Below is a link to the plan details such as the brochure, certificate wording and to generate a quote for coverage. If you have any questions please feel free to contact our office. Patriot Platinum America brochure & instant purchase link: /patriot-america-platinum-insurance/ Thank you for your quick respond. There was no additional Quote added can you please resend it? Thank you and have a great weekend. We do not have enough information to be able to provide a quote so from the link provided you could generate a quote. Once you open the link you would click on Quotes & Purchase to enter your information to see the cost of the plan for your family. If you would like us to generate a quote and forward to your email we will need to have the dates of coverage, the ages of the insureds, and the policy max you would prefer. You can also contact our office and an licensed agent would be happy to assist you a quote and answering any questions you may have.
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Q:Pregnancy complication insurance: US citizen living abroad Hello, I'm a US citizen, living in Argentina and planning a trip back to the US at the end of this month. I'm pregnant and looking for a plan that will cover unexpected medical emergencies (NOT to give birth in the US). My trip is planned for dates that are between week 24 and 27 of my pregnancy (date based on beginning of my last menstrual cycle). Can you tell me what plan might work for me and details on cost, benefits, etc., please? Thank you.

A:
Thank you for contacting Insubuy for your insurance needs. There is a plan called Safe Travels USA Cost Saver that is available to a U.S. Citizen visiting within the United States. This plan will cover any new accidents and new illnesses that occur after the effective date of the policy. This plan will also offer coverage for pregnancy complications, This benefit will be in the amount of $1,000 per policy period. Please read the FAQ for more information about pregnancy complications. See the link listed below to the plan and to generate a quote. Please feel free to contact our office for further assistance. Pregnancy Complication FAQ: /us-visitor-insurance-for-pregnancy-coverage/ Safe Travels USA Cost Saver brochure & instant purchase link: /safe-travels-usa-cost-saver-insurance/ Thank you very much for your reply. I'm wondering if I can only go to certain health care providers. I'm planning on visiting Jackson Hole, Wyoming and the Delta County area in Colorado. Can you tell me whether it would be easy for me to find providers that are eligible in these areas? And, what happens if there aren't providers recognized by Insubuy where I'm traveling? The Safe Travels USA Cost Saver plan is available anywhere outside of your home country. The plan will cover you anywhere in the United States. The Coventry / First Health PPO network is a very large network that generally has providers all over the US, you can do a search for providers here /safe-travels-ppo-network/ . If you are unable to find a provider then the plan will still pay 80% up to the first $5000 then 100% to the policy max. You will still be covered in or out of the network for any new illness or injury that occurs after the effective date of the policy.
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Q:Maternity Interest Hi, I am interested in getting an insurance that could cover as much maternity as possible, my situation is the following: I do NOT have US nationality. I have Spain nationality (Europe) where I currently reside and live. I would be interested to have a maternity covered insurance in the US so if I get pregnant I could go on my 7th month of my pregnancy, as a visitor/tourist to the US, where I have family, to stay and wait to deliver my baby over there. I currently have an insurance called IMG which covered my first pregnancy in the US and at the moment I am looking at other insurance options before I renew my current one. 1. Which plan will I be eligible for my situation (Spain nationality delivering in the US as a visitor) that would covers the most for maternity in the US? 2. How much do you cover for maternity? 3. Do I have to add up any rider or does the insurance itself already include maternity? 4. What are the deductible amounts? 5. Is there a maternity waiting period? what is it? 6. Does the plan include also any checkups, ultrasounds, appointments, lactation or any other tests related etc before AND after the baby delivery? 7. Does the plan include c-sections or any other complications that the delivery or pregnancy may have? 8. Does the plan include any emergencies (if necessary) for the baby after the birth? For how many days/weeks? 9. What about a pediatrician for the baby first weeks of live? Would that be covered? 10. Does my previous current insurance maternity expenses from my first baby add up and count in your plans or do I start as a right new member with you and have the full amount you offer covered? 11. Which hospitals and clinics does your maternity plan cover in the US? My age: 32 (I will be 33 in September) Date of Birth: Sept. 29th, 1983 Nationality: Spain Gender: Female Currently mom of 1 baby I have a chronic rheumatology disease called Ankylosis Spondylitis but the insurance I am looking for does not necessary have to cover anything related to it as maternity is what I am interested on. In any case please also inform me on this.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, there is no plan that exist to cover maternity for a visitor in the United States. This will be and expense that will be paid for completely out of pocket.
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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.

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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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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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Most schools require international students to purchase health insurance.

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