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Ask Our Specialists

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

Q:how do I file my appeal

A:
If you have a denied claim and would like to file an appeal, as long as you have purchased your policy through Insubuy, you can contact our office directly for assistance. If you have any additional questions, please let us know.
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Q:I am based in Australia and my mother in law is visiting Australia on a visitor visa from india. We have decided to take her to Bali for a few days ( flying out of Australia to bali and then back to Australia) can you'll offer travel and medical insurance to my mother in law for the bali trip

A:
We do have some plans that could provide coverage for new illnesses and new injuries contracted after the effective date of the policy, and they will cover her anywhere outside of her home country of India. I am providing the link to these plans, however, some plans will have restrictions for being physically present in Australia. We would recommend the Patriot International or Safe Travels International plans as they do not have restrictions regarding Australia. /travel-health-insurance/ If you have any additional questions, please let us know.
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Q:Can I and my wife get medical insurance on green card status? Both of us are over 70years old.

A:
You would first want to confirm she is not eligible for domestic insurance through the state in which you reside through the Health Care Exchange.If she is eligible for a plan through the Exhchange, it would make her ineligible for any of our plans. If she is not eligible for a plan through the Exchange, depending on the state she is residing, we may have 2 options. You will want to check each plans geographic restrictions through each link below. /international-major-medical-insurance/ /bridge-plan-insurance/ I would recommend reviewing the plan information for both policies. These plans are not ACA complaint and will cover for new illnesses and new injuries contracted after the effective date. The plans will not cover preventative care, routine maintenance, pre-existing conditions and both plans exclude coverage for Covid-19. If you have any additional questions, please let us know.
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Q:I'm an American working in China. I currently have ex-pat health insurance that covers me in China and elsewhere, BUT my question is, can I get insurance for my one-month trip home to the US in January, 2023?

A:
Yes, you may purchase the Patriot America Plus or the Diplomat America to cover your visit to the United States. These plans will cover you anywhere outside of your residene country, including the US.
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Q:Hi I am an US Citizen living in India because of my work. I want to be in USA for a medical treatment -I pay due taxes in USA, own a home in California . Just want to check whether I am eligible for ObamaCare as I come to USA for my Medical treatatment

A:
We cannot advise about eligibility for Obama Care. You would have to contact the Health Care Exchange in California directly to confirm eligibility for coverage. If you have any additional questions, please let us know.
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Q:I am 78 can I get Medical Insurance to visit USA ? Also if I married ba US Citizen Can I still get Medical Insurance up to the 3 years necessary to be a US Citizen

A:
We have plans for visitors to the U.S. and those plans can be found through this quoting link: /visitors-insurance/ However, if you enter as a visitor and then for example get married while in the U.S. and file for adjustment of status, most visitor plans would no longer cover you as soon as you file paperwork. We would have to look at what plans would be available that time in the state in which you are residing. Be advised that the plans that we offer are for people who are not eligible for domestic insurance. Once you receive a green card for example, if there is a plan through that state Health Care Exchange for someone who is 78, you would have to enroll into that domestic plan. 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.

Did you know?

Prices are regulated by law.

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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