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Ask Our Specialists

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

Q:Help with travel insurance for parents visiting USA I am looking to buy travel insurance for my parents who are already here in the US (ages 68 and 64). I want to buy the Atlas insurance that covers pre existing conditions for 5 months. What are the hospitals covered under this insurance in North Austin? Thank you for your help with this

A:
Thank you for your interest in purchasing insurance through us. Atlas plan covers acute onset of pre-ex below age 70 years NOT pre-existing. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Atlas America PPO network link, /travel-and-student-insurance-ppo-network/ 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:Insurance for Parent With Heart Disease visiting USA I am planning to buy insurance for my father who is visiting from India in June. My father suffered a heart attack in November 2009 for which he was treated with angioplasty with stent placement. I would like to understand which insurance will cover him if he suffers another heart attack in the future while he is in United States or traveling to United States? Will it be covered as a preexisting condition or as a regular emergency situation? Based on the above, could you please let me know the policy to apply for?

A:
Thank you for your interest in purchasing insurance through us. As a broker, we provide insurance from most of the major companies. None of the plans will pay for routine maintenance for the pre-ex. However, some plan has coverage for the acute onset of pre-existing conditions below age 70yrs.. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ It will be determined by the claim dept. based on the dr. notes whether it’s acute onset of pre-ex or not. You can purchase either Atlas America or Patriot America plus, You can compare these plans at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can narrow by with pre-ex coverage plan. Please feel free to contact us if you have any further questions.
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Q:Parents visiting USA; Insurance needed Hi, My parents are visiting to USA on tourist visa. Looking for health insurance plan. Can you please share the plan details? Please let me know if you need any other details. Thanks.

A:
Hello, What are your parents ages and what date will they be arriving? Also, will they be visiting Washington? Thanks a lot for the quick response. Parents DOBs - 09/11/1956 and 10/05/1955 They are visiting to Seattle starting from 12-jun We have sent the quote in a separate e-mail for one month. Your mother will turn 60 while her stay over here. So you have two option, you can go for whole duration at one time and pay premium as age 59yrs or purchase for 3m then renew the policy for rest of the duration. At renewal time if she is already 60 then her premium will increase. You can also 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. Have a great day!
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Q:Deductible questions for medical insurance Hi I am from India. coming to USA on 7th of June. Please explain me what does deductible mean? myself and my spouse will go for travel insurance to USA for $500000 each for 27 days with 0 deductible. Will it work, and please get me the details?

A:
Thank you for contacting Insubuy for your insurance needs. A deductible is the amount that the insured is required to pay before the insurance will pay its portion of the covered expense. In order to make a proper plan recommendation please provide the visa type that you will be arriving on and the state that you will need coverage so that a proper plan recommendation can be made. Visa type is B1/B2 States visiting are California, Nevada, Florida and New York. Please recommend Thank you for contacting Insubuy. There are several plan that would offer coverage for your visit here to the United States. There are both fixed and comprehensive plans available that are available. Please use the link listed below for more information about the available plans. If you have any questions please feel free to contact our office. Visitor to USA Insurance: www.insubuy.com
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Q:If visiting multiple states which do I list on the quote screen of your website? Hello , I was planning to buy (Inbound USA) insurance for my parents visiting USA but form was asking Residence state and my parents will visiting multiple states in USA ( Washington , Florida , Illinois & New York ) but majority of their stay would be split between Washington & Florida. So which state should I give when I am entering the form . Thanks,

A:
The state is only asked in reference to the initial purchase. You need to select the state in which they will be staying first.
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Q:Parents traveling to multiple countries: Insurance needed Hi, My parents are travelling from India to UK(London) , Schengen countries, and USA from 07/27/16 - 02/02/2017 Do I have to buy separate insurance for all the countries ? I might purchase Atlas America and would like to know if that will cover all these countries?

A:
The Atlas America plan will cover everywhere outside of the home country (India) so will work for the full duration. If you need additional assistance 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.

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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.

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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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