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Ask Our Specialists

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

Q:Query regarding US Visitors insurance I'm about to apply insurance for my Mother-in-law who will be reaching USA on May 28,2016. But her return date is not finalized. I'll apply for 6 months now. Can I cancel her insurance after she returns to home country?

A:
Thank you for your interest in purchasing insurance through us. You have 2 options. You can purchase for 3 months then renew the policy before coverage expiration date or you can go for 6 months at one time and for some reason if she needs to leave early you will get pro-rated refund minus ($25 or $50 cancellation fees depends on what plan you purchase) as long as there is no claim has been filed since the original effective date. Please 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 with renewal and refund policy rule. Please feel free to contact us if you have any further questions.
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Q:Insurance - Patriot America Plus I am planning to buy visitors insurance. I want to know if the insurance start date is based on US time or India time? I need to make a decision to buy travel insurance or not based on the above information.

A:
Thank you for your interest in purchasing insurance through us. Insurance coverage start by US Eastern time zone NOT local time. Patriot America plus brochure, instant purchase link, /patriot-america-plus-insurance/ You can also 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 us. Can you please give me more details on how to find providers? Is there any online account which needs to be created. Please use the following link to perform a provider search for the Patriot America Plus Plan. Feel free to contact our office if you need any further assistance. PPO Network Search: /international-medical-ppo-network/
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Q:Request Information on Medical Insurance Me and my Wife would like to visit USA for sometime on Holidays, We would like to buy your Medical Insurance for Both. What details you required so you can guide the better Plan for our visit? Thank you.

A:
Thank you for your interest in purchasing insurance through us. As a broker we provide insurance from many companies that is available in US market. If you provide us traveler’s age, travel date and which state do you need coverage will send you 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. In order to process the insurance application requires insured name, dob, passport number and rest of the general information like address, contact information. Thanks for your kind reply, I have a question, As I have a business in USA and also I am travelling with my wife for some period of time. My Wife is pregnant and expected the Delivery by Nov of this month. I have to travel by End of June and will be back to home country in 40 Days, may be Aug. if by chance doctor advice her not to travel back then do any medical insurance company cover’s her Medical expenses (maternity) in any emergency case? Unfortunately there is no plan that covers maternity for an international visitor. However Atlas America plan has pregnancy complication coverage up to 26wks. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ Please let us know if you have any further questions.
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Q:Health Insurance in Canada Hi, My parents are visiting me in May and June 2016. They are planning to first go to Canada from May 7th through June 4th, and then come to the US from June 4th through June 28th. In the past, we have purchased Patriot America insurance plan for them. I was wondering if the same policy would also cover them in Canada. If not, are there any policies that I can purchase that are valid both in Canada and in the US? Thanks in advance for you help.

A:
As long as their home country is not Canada, Patriot America will cover in Canada too. No separate policy is required.
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Q:Travel to USA -- US citizen My son who is 13 years old is travelling for 52 days to USA. He is currently residing in India for the past 7 years. He is a US citizen living in India. Is he eligible to take diplomat-america/travel-insurance. If so could you give me a quote for 52 days starting from May 13th , 2016 to Jul 3rd 2016. He will be travelling to Sacramento California Also could you suggest if he can take part in a soccer training recreational camp in a local community while in Sacramento, California Main points 1. US citizen travel to California, USA 2. While in USA want an insurance which covers any injury related to playing soccer in local community summer camps

A:
Thank you for your interest in purchasing insurance through us. Yes. You can purchase Diplomat America plan for your son being USC and home country India. You can take Athletic Sports rider for your son. As long as he is not participating in some competition and getting rewards. Diplomat America brochure, instant purchase and other useful information, /diplomat-america-insurance/ Please review the certificate wording, brochure and if you have any further questions feel free to contact us. Thanks for reply. After I spoke with an agent at Insubuy -- i found this description for Medical exclusions under the plan Liaison Continent -- it is the same for all Liaison insurances (including Liaison Majestic) - It says something about not covering any sports camp injuries -- one that i would be interested in is soccer summer camps while in USA for my son. Can you please advice if indeed the Liaison plan do not cover injuries related to soccer sports summer camps ? We need to do more research on your son's insurance and will suggest some insurance plan accordingly. Could you advice me why the brochure for the Safe travels says it is a "Secondary Insurance". Does it mean i need to have a primary insurance in addition to this OR can i use this as the only insurance Good morning. As per your requirements, we have couple of plans that is suitable for your son. Safe Travel USA- That will be primary insurance. And it will cover Soccer camp as long as his home country is India and you take hazardous sports rider. Safe Travel USA brochure, instant purchase and other useful information, /safe-travels-usa-insurance/ Safe Travel USA cost Saver- with hazardous sports rider- Secondary to any other insurance he will have, Brochure, instant purchase link, /safe-travels-usa-cost-saver-insurance/ Short Term plan PPO plan and you have to take hazardous sports rider, will cost 25% more premium in additions to regular quote. /short-term-health-insurance/ Please let us know if you have any further questions.
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Q:I am a Research Scholar from Egypt on J-1 visa and I'm interested in buying the Patriot Exchange Program insurance ($100,000 max). My question is: is this plan compliant with the Affordable Care Act (ACA)? If yes, can you point out to me where in the contract is this stated or how can I prove to the university it is ACA compliant? If no, can you suggest other plans that meets both J1 visa and ACA requirements?

A:
We do not offer any ACA compliant plans. Patriot Exchange Program or any other insurance plan we offer are not ACA compliant.
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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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Why purchase insurance from Insubuy®?

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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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