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Ask Our Specialists

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

Q:I am a teacher from Shanghai, China. I am a man and forty years old. I will visit Rensselaer Polytechnic Institute as a visiting scholar in early of September. I will stay here for one year. I have already got a J1 visa. So I want to purchase health insurance meeting minimum requirement by the U.S. department of state. Could you please recommend some plan of your company for me. Thank you.

A:
Thank you for your interest in purchasing insurance through us. We have many plans that meets standard J1/J2 visa requirements. Please visit our website or find them here. Please enter appropriate criteria. You will find many plans and you can compare the plans side by side. Please get quote for 364 days NOT for 1yr. If you have any additional requirements from school. Please send us in pdf attachment. Please feel free to contact us if you have any further questions.
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Q:I am looking for travel insurance for two children (age 1 years and 6 years old) from October 2016-Jan 2017. They will be travelling from Australia on J2 visa. I have insurance for my self but looking for kids. Would you be able to provide me the cost estimate.

A:
You can purchase Patriot Exchange plan for them but it will not cover any wellness check or immunization. Some plan you can't purchase if insured person is physically located in Australia at the time of application. You need to separate application for each child. Please feel free to contact us if you have any further questions.
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Q:Enquiry Travel Insurance I, 33 years old along with my wife (32) & son (6) are visiting the US for holiday starting from May 16th, 2016 to June 10th, 2016. We shall be visiting: Los Angeles, San Francisco, Las Vegas, Miami, Orlando, New Jersey & New York City. Which comprehensive plan with $0 deductible & $100k cover with possibly 100/0 co-pay will be best suited for our family? Some of the concerns are: 1. I was looking at Atlas America which was about $166, is this policy good enough in terms claims approved etc or would you recommend some other? 2. What should I put in the mailing address? My home country address or is it okay to put a relative in US’s address? 3. While filling out the form it warned about some “California Resident� thing, given we will be in California for about a week, is this insurance applicable there?

A:
Thank you for your interest in purchasing insurance through us. You can purchase any of the comprehensive plan from www.insubuy.com Atlas America plan is a family friendly plan so if one parent insured child under 9 years will get insurance at no cost. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ Answer for your questions below: 1. This a very good comprehensive plan. 2. Whichever address you wants us to mail the card. I would suggest US address. 3. This rule is for CA resident. You are not CA residents. While purchasing insurance you enter CA address that’s why you get this notice. Please read FAQ using link below for more information, /travel-and-student-insurance-california-notice/ Please feel free to contact us if you have any further questions.
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Q:Travel Insurance for Kailash Mansarovar I need a travel insurance for my parents for Country India. 1. Male - 62yrs 2. Female - 60 yrs. for Kailash Mansarovar Yatra from 18th-25th via helicopter. Please suggest some plans for the same.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas International plan which is very popular plan for kailash Mansarovar Yatra. Brochure, instant purchase and other useful information, /kailash-mansarovar-yatra-travel-insurance/ We have sent quote in a separate e-mail. Please feel free to contact us if you have any further questions.
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Q:US citizen returning to USA I'm a USA Citizen living abroad, but I will be coming to the US for 1 year as a student conducting research. I need to purchase a health insurance plan to cover me while I am in the US, and I am wondering if the Liaison Majestic is designed for this purpose? I can be covered as a US citizen, coming to the US from abroad?

A:
Thank you for contacting Insubuy for your insurance needs. You may purchase the Liaison Majestic insurance plan which would provide coverage for up to 364 days, and is renewable up to 3 years. This plan will not be Affordable Care Act complaint as it is designed to cover only any new illness, injury or accident which occurs after the effective date of the policy, and provides coverage up to a policy maximum. It will not cover pre-existing conditions, routine doctors’ visits, or immunizations. If you have any additional questions please let us know.
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Q:Schengen Insurance Pregnant My Indonesian wife requires travel insurance as part of her Schengen visa application (main destination: Spain). She will be about 28 weeks pregnant at time of planned travel. Will this affect her travel insurance? We would be fine with an exclusion of any costs related to her pregnancy.

A:
Thank you for contacting Insubuy for your insurance needs. The pregnancy will not affect the travel insurance coverage. The plans are designed to cover only any new illness, injury or accident which occurs after the effective date of the policy, and will exclude pregnancy coverage. As long as you do not reside in the states of NY, MD or WA you may purchase the Atlas International plan for her. Please use the link below to review the plan details, and purchase. You may also contact our office at (866) INSUBUY with any questions. If we can be of any further assistance please let us know. Atlas International: /atlas-international-insurance/
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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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