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Ask Our Specialists

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

Q:USA visitor Insurance questions Hello, I am looking to buy visitor health insurance for two visitors aged 59 and 64 for a period of two months in the state of New Jersey. We will be traveling to various states, including NY, PA, DE and MD. Can you help me in choosing a plan between Visitor care and Visitor secure. Also, will they be able to use the insurance in all the above mentioned states? Thank you.

A:
Thank you for your interest in purchasing insurance through us. Visitors Care and Visitor secure both of them are fixed coverage plan. Visitors Care deductible is per policy period while Visitor Secure is per incident. Visitors Care doesn’t have acute onset of pre-ex while Visitor Secure has. Both plan provide coverage any where in USA. You can compare these plans side by side at www.insubuy.com Please feel free to contact us if you have any further questions. Thank you very much for the information. I also wish to ask, do the visitors have to be physically present in NJ while I buy the policy, or I can buy the policy before they arrive? You can purchase before their arrival to cover their travelling time or You can also purchase after their arrival. There is no specific rule. Please let us know if you have any further questions.
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Q:Schengen Visa letter questions Hello, I'm in need of Schengen visa insurance for a long stay visitor visa to France. The French consulate in Houston requires a letter of proof of coverage from an insurance company. I have looked at your sample letters and it meets all their requirements except one. They are demanding that the insurance company pays the providers directly, and this must be included in the letter from the insurance company. Can you let me know if you can provide a letter that meets the France Consulate requirements?

A:
Thank you for your interest in purchasing insurance through us. Concept of PPO network is only in USA. There is no PPO network outside USA. You will have list of hospitals. But no company will give in writing that it will be direct payment in the visa letter. Every day we sell hundreds of policies for Schengen visa and people get visa without any issue. Please visit our Schengen visa insurance section, /schengen-visa-insurance/ Please feel free to contact us if you have any further questions.
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Q:Australia: policy for rapid onset of existing condition I am trying to buy a policy for my Aunt (68), who is resident and currently in Australia. I'd like to have a acute onset of preexisting conditions option. The ones I've tried so far state that the insured can not be in Australia at the time of issue. What is the reason for this, would it invalidate the insurance? How do I get this set up?

A:
Thank you for your interest in purchasing insurance through us. You must be trying to purchase Atlas America that plan you can’t purchase if insured person is physically located in Australia at the time of application. You need to purchase Patriot America Plus plan which is very similar to Atlas America plan and it has Acute onset of pre-existing coverage. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Patriot America plus brochure, instant purchase link and other useful information, /patriot-america-plus-insurance/ Please review this plan and if you have any further questions feel free to contact us.
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Q:European visiting USA: Insurance needed I need insurance. I'm from Poland. What I must have to be able to buy insurance in USA for one month? Is a passport enough? What does the insurance cost?

A:
Thank you for contacting Insubuy for your insurance needs. There are several plan that you can purchase to cover your trip to the United States. Please provide the visa type that you will be arriving to the states on so that a proper plan recommendation can be made for coverage.
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Q:Travel medical insurance US citizen living abroad We are a family of 4 travelling to California June 9th to Aug 31st. I am a U.S. citizen with a Permanent residency visa for Austria where we live. My husband is a Austrian citizen. My two daughters have dual citizenship Austria/US. We are of course insured here in Austria but need To buy additional insurance for our trip. My husband is 64, I am 63, one daughter 27, and the other 25. I would appreciate if you could tell me which plans would work for us.

A:
Thank you for contacting Insubuy for your insurance needs. Based on the information provided below, we would recommend the Liaison Continent A plan. We have emailed you quotes as per your request. You may purchase online or over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.
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Q:Query for Visitor Medical Insurance For Visitors To USA I am here in the U.S currently, and would like to buy a medical insurance. I looked at the Insubuy website and saw some great plans. Need some help to choose the best one. As i keep visiting U.S every year. Can somebody advise on the best plan. Also, what plans cover Maternity for Non U.S Citizens? Just for info... I saw the Atlas plan. It has a coverage for about 26 weeks. Please write back to me with a suitable plan and i shall buy one by Tuesday max.. And for the online forms spouse details, i want to take an insurance in the next few days itself. And funny thing is, I'm getting married in June hahah.. SO i guess, i can add spouse details then. Please advise. And i shall go for it.

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker and offer all of the major plans on the market. In order to recommend the appropriate plan we will need more information. Can you please advised your visa status, age, travel dates, and state in which you will primarily visit? You may also receive a plan recommendation by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.
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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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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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