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Ask Our Specialists

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

Q:Kailash-Manasarovar travel insurance I am looking for medical + trip insurance cover for Mount Kailash yatra for a party of 3 non-US citizens and non-US residents. Where can I find details/quotes

A:
Thank you for contacting Insubuy for your insurance needs. There is a plan called Atlas International that is designed especially for your trip. Please use the link below to access the Atlas International plan. This link will provide your information about the plans details , allow you access to the brochure and legal certificate wording. You will also be able to generate quotes for coverage. If you need any further assistance please feel free to contact our office. Kailash Mansarovar Yatra Travel Insurance: /kailash-mansarovar-yatra-travel-insurance/ Many thanks for your immediate response. I was not able to find any link for trip insurance for non-US citizens. We would like to take this cover also, which would include the non-refundable portion of airfare and the amount paid to the travel agent for the yatra. Further, could we cover our daughter (who would be coming with us on this trip but resides in a different country) along with us, or would she need to be covered separately. The Atlas International plan is for anyone that will be traveling outside of their home country. Your daughter would have to have a separate coverage but you are able to purchase on her behalf. As a non U.S. resident your options for purchasing coverage for trip cost will be limited as you must be a resident of the United States to purchase this type of insurance. There is one plans available for you to purchase it is a plan called Safe Travels International Trip Protection. Please use the link listed below for more information about this plan and to generate a quote. As these are two different coverage that you are interested in it is necessary to purchase two plans to cover all aspects that you are interested in. Safe Travels International Trip Protection brochure: /trip-cancellation-insurance/
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Q:I wanted to sign up for the program for September and October since I will visit the US as an exchange scholar (J1-visa). I filled in all my data and received following message: "Unfortunately, coverage for your selections cannot be purchased. Please contact your agent with any questions." I am an Austrian citizen currently living in Zurich, Switzerland, 25 years old and male. Other than that I filled out my Email address as well as my cell phone number. Can you help me with the process? The requirements I need for J-1 are: -Maximum coverage for medical benefits not below $ 100,000 per accident or illness -Repatriation of remains at least $ 25,000 -Medical evacuation of at least $ 50,000 -Deductible not more than $ 500 -At least 75% of medical expenses are covered

A:
Thank you for contacting Insubuy for your insurance needs. Please use the links listed below to plans that will meet your Universities requirements for coverage that you have listed below. If you need any further assistance please feel free to contact our office. Patriot Exchange Program brochure & instant purchase link Atlas Essential America brochure & instant purchase link You can find additional plans here.
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Q:I am 34 year old, J1 visa holder. My wife is 32 years old and recently pregnant. We are looking for an insurance plan to offer coverage for maternity. Can you assist in this matter?

A:
Unfortunately, since she is already pregnant there is no plan that will cover maternity costs. You would have to contact the university to see if they have a plan that can be purchased directly from them.
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Q:General Visitor Insurance questions Thank you for the quotes. 1. Is there any restriction regarding time when we should get the insurance before the arrival of the visitors? If yes, when and what is the procedure? 2. What is the cancellation policy?

A:
1. There is no restriction. Most of the plan has restriction that you have to purchase within 30 days of arrival date in USA for age 65+. But your visitors age is between 60-64yrs. So that restriction is not applicable in your case. But it always better to purchase insurance before they start their journey so if something happens during their travel will be covered. 2. Most of the plans you can cancel before the effective date you will get full refund. After the insurance effective date there will be either $25 or $50 cancellation fees and rest prorated premium you will get refund as long as there no claim has been filed since the original eff. date. If you let us know which plan do you want to purchase we can give cancellation policy for that particular plan. You can find cancellation policy next to each plan in the quote we sent you by e-mail. Please let us know if you have any further questions. You can also visit our website at www.insubuy.com for further details. Thank you for the reply. Can you also tell about the underwriting process please? In both cases- Pre existing condition and also the normal healthy person. As visitors insurance plans are instant issue plans, there is no underwriting procedure. You get instant confirmation of purchase from https://www.insubuy.com
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Q:Pre-existing conditions USA visitor I am coming to the USA from 17 June 2016 to 23 July 2016. I am currently pregnant and will likely be having a c-section on 4 May 2016. My obstetrician says I should be fine to fly. Can I obtain health insurance for complications post surgery for the above time period? I also have epilepsy (diagnosed in 2004- have had no seizures since 2004, medication was increased 6 weeks ago due to weight gain associated with pregnancy)

A:
Thank you for your interest in purchasing insurance through us. Insurance will pay for new sickness, injuries or accident that may occur after the eff. date of the policy. No pre-exisitng or preventive care. However some plan has coverage for acute onset of pre-ex coverage. Please read more information, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please visit our website at www.insubuy.com 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.
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Q:Insurance for mountaineering course I just spoke with Sean about trying to find a plan to cover my 18 year old son while he does a mountaineering course in Wyoming. The course is run by National Outdoor Leadership School and the maximum elevation is 4300 meters. They will be using ropes and ice climbing equipment. We live in Australia and he is a dual citizen of Australia and USA. He will be traveling in the US from May 3 to September 6, but the mountaineering course is only from June 2 to July 1.

A:
After researching a few companies we have one company that will cover his climb, but they are requiring special rating. We have sent over the information that we have to the underwriting department and as soon as we have a proposal back we will send it over to you. If any additional information is required we will be in contact. If you have any questions 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.

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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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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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