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Ask Our Specialists

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

Q:Insubuy health insurance plan for parents visiting USA My friend and his wife will visit USA to see their ailing daughter there. Please let me know the office at Kolkata from where the policy can be bought.

A:
Thank you for your interest in purchasing insurance through us. We are US based company. We don’t have any office in India. But if you provide your friend’s age, travel date and which state do they need coverage and we will be glad to send the quote by e-mail. Meantime, you can 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. If you have any further questions feel free to contact our office and any licensed agent in our office will be glad to help you.
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Q:Visitor Insurance for parents coming from India Looking for insurance for my parent coming over this weekend from INDIA.

A:
Thank you for your interest in purchasing insurance through us. We offer many plans for visitors coming to the US. You can enter the required information on our website www.insubuy.com and see the available plans. If you would like us to send you a quote we would need additional information such as the age of your parent, the state they will be visiting, and the dates you want coverage. You can also contact our office to speak with a licensed agent for additional assistance.
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Q:Question regarding visitor insurance I am planing to buy health insurance for my parents and in the application it is asked to enter spouse details as well. My question is the Quote that gets generated, is it for both primary applicant and spouse or it is per person basis? Your prompt reply will help me take a quick decision.

A:
Thank you for your interest in purchasing insurance through us. Yes. Quote will be for both parents. Next to the quote it says primary applicant and spouse. If you provide their age, travel date and what policy max. you want we can send the quote by e-mail also. You can also visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can compare all the plans side by side. Please feel free to call our office at (866)INSUBUY and any agent in our office will be glad to answer all your questions.
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Q:Regarding Atlas Essential America I am looking forward to buy “Atlas Essential America� insurance for my parents and brother visiting USA. But, I do have few questions on this, listed below. I would appreciate your quick response on my questions. 1. Is the deductible once per policy period? If so, please correct my understanding below: For Eg:- If my deductible is $250 and my coverage is for 4 months, then the total deductible is only $250 for the entire 4 months. In other words, I won't be charged with $250 deductible every time when I file a new claim within these 4 months. Is that right? 2. Is deductible applicable for general Doctor visits (say for a fever)? 3. What would be the percentage of my co-insurance? Is it 25%? 4. Is there a 100% coverage available (like Atlas america) after first $5000 expenses? and would the co-insurance be waived if the expenses are incurred within PPO and provider bills directly to insurance? 5. What is the copay for specialist visit? 6. If suppose I get a drug prescription after a Doctor's visit, would I be covered for the drug expenses?

A:
Please see the answers to your questions listed below in bold font. 1. Is the deductible once per policy period? If so, please correct my understanding below: The deductible is per policy period. This deductible will be valid and paid one time for the lifetime of the policy . For Eg:- If my deductible is $250 and my coverage is for 4 months, then the total deductible is only $250 for the entire 4 months. In other words, I won't be charged with $250 deductible every time when I file a new claim within these 4 months. Is that right? 2. Is deductible applicable for general Doctor visits (say for a fever)? The deductible will be applicable in any instance until it is met. So, essentially you would pay out of pocket until you meet your deductible for all medical expenses. 3. What would be the percentage of my co-insurance? Is it 25%? The Atlas Essential Plan will cover 75% to the policy maximum so that would make you responsible for 25% of all eligible medical expenses. 4. Is there a 100% coverage available (like Atlas america) after first $5000 expenses? and would the co-insurance be waived if the expenses are incurred within PPO and provider bills directly to insurance? This benefit will only be available in the Atlas America and Atlas Premium America Plans. This is not an benefit that is included in the Atlas Essential plan. 5. What is the copay for specialist visit? There is not a concept of a copay in a visitors insurance. You will be responsible for your deductible and co-insurance. 6. If suppose I get a drug prescription after a Doctor's visit, would I be covered for the drug expenses? Medication is covered related to the new accidents and new illness that occur after the effective date. Your deductible will be applicable.
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Q:Inquiry about international health insurance I have question regarding health insurance coverage for seniors , I need to purchase health insurance coverage (inpatient only) for my Father, He is 76 years old, in good condition, living in Jordan, do you provide health insurance coverage for Jordan only (inpatient) ?, and what is premium?

A:
Thank you for contacting Insubuy for your insurance needs. However, insurance plans are only to cover outside of the home country. If you father is needing coverage within his home country of Jordan there are not any plan options that we can offer him.
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Q:Pre-existing conditions USA visitors I am a resident of India. My daughter who is living in USA intends to buy a patriot america plus insurance for our upcoming three month visit to USA for myself and my wife. I am 64 and my wife 61. We are looking for a $500000 insurance. The wordings at different places on acute onset of pre existing condition is confusing. At one place it says coverage to policy maximum and at another place it is limited to $25000 for under 70 years of age. If we look at Atlas America the wordings are clear, it covers to the maximum.Can you confirm which one applies to me? We suffer from mild hypertension under control with medication for the last 10 years. I need to know if there is a heart attack, how will this be considered in this insurance? Please clarify.

A:
Thank you for your interest in purchasing insurance through us. Both plans will cover the Acute Onset up to the policy max. In this case $500,000. The $25,000 that you see under the Patriot America Plus is for Emergency Medical Evacuation for the Acute Onset. In other words, if you have a covered Acute Onset then it will pay the transportation up to $25,000 if necessary and then $500,000 for the medical expenses. If you need further clarification 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.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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