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Ask Our Specialists

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

Q:Insurance coverage for seniors I am seeking to have my parents visit the US May 4 â€" 11, 2016. Country of origin â€" Jamaica (Male) â€" dob January 23, 1932 age 84 (Female) dob July 19, 1936 age 79 The female has pre-existing medical conditions- diabetes. Which package is recommended for them.

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker and offer all of the major plans on the market. There are both fixed and comprehensive coverage plans. Insurance will pay for new sickness, injuries or accidents that may occur after the eff. date of the policy. It does not cover any routine dr. visit for the pre-existing conditions or preventive care. However we have some plans nor from 08/15 that provides $25000 coverage for acute onset of pre-existing conditions up to age 89 yrs. More information on acute onset of pre-ex at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ We would recommend the comprehensive coverage plan options as these plans will pay a percentage of the cost if something happens. In order to recommend the appropriate plan can you please specify the state where they will primarily visit? Updated 08/15. You can purchase Safe Travels USA Comprehensive insurance plans at, /safe-travels-usa-comprehensive-insurance/ You can also visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans. You can narrow by plans with pre-existing coverage and compare them side by side also. If you have any additional questions please let us know. You may also receive a plan recommendation by contacting our office at (866) INSUBUY.
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Q:rules regulations for Visitors Insurance Hi, I have purchased Medical Insurance for my parents twice from you. One in 2007 and the other in 2008 and I am looking for Medical Insurance this year again from 16th June, 2016 to 15th September, 2016. My parents would be here for 3 months. I am looking for a good quotation from you for both of them. Below is the mail of previously booked insurance. Please send me the quotation keeping in mind I am a returning customer.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. A separate quote for medical insurance has been sent to the email address listed on file. If you have any questions please feel free to contact our office for further assistance. Thank you very much for your prompt reply. I saw the quote. Do I not get any discount for being a preferred customer as I bought from you twice the medical insurance for my parents. I see only Visitor's care is showing figures in 100s and rest all are showing very high numbers. Please let me know the final quote for Visitor's care. Hello, Thank you for contacting Insubuy. As we appreciate you being a loyal customer of Insubuy, we are unfortunately not allowed to offer discounts on any plans as these premiums are regulated by law. No matter where you purchase the plan from it will be the same price as everyone operate on the same premise from these plans as they are governed by the same rules. Please see the link listed below for more information about the rules regulations for Visitors Insurance. Vest Visitors Insurance Deals: /best-visitors-insurance-deals/
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Q:travel and health insurance needed for visitor to USA Few questions on travel America policy I just bought for my mother 1. Insurance says covered for travel and in stay in USA. Does that mean if passport is lost during travel , is that covered ? 2. Could you please mail the set of insurance docs for this member, DOB : 12/28/1954. Mailing address is on your file 3. Also the insurance is valid all over USA correct? Please check the application submitted online and confirm 4. Also what are the list of providers covered in this plan? Please share the list of hospitals covered in Massachusetts and California

A:
Answer for your questions below: 1. Insurance will pay for medical problem during travel. It has some travel benefits like evacuation, repatriation, flight accident or accidental death and dismemberment. This plan will pay for loss of checked luggage and that will be secondary to any other benefits you get from airline. Usually people carry passport in carry-on luggage. 2. You must have received insurance card by e-mail which has a virtual id card and other electronic documents. Insurance card will be mailed to you by regular mail at the address on the file. 3. Yes. This insurance will provide coverage anywhere in the world except her home country. We have sent you confirmation by e-mail. Please check your e-mail. 4. Link for PPO network, /travel-and-student-insurance-ppo-network/ Please click on search provider and find dr. name or hospitals name in your area. Please feel free to contact us if you have any further questions. Thank you for your business with us. Dear Insubuy 1. How long does it take to settle the claim?Any docs required to initiate a claim?? 2. claim (if initiated ) is settled in the name of whom and by check?? 3. What is the cancellation charge if I terminate the policy 04/14/16 onwards?? Hello, Thank you for contacting Insubuy. Please see the answers to your questions listed below. 1. Claims can take anywhere from 2 to 4 weeks to be processed. 2. The eligible claim reimbursement is typically paid in the name d of the insured unless otherwise requested. 3. With the Atlas America Plan there is a $ 25.00 cancellation fee for early cancellations. Please use the links below for further clarifications on these topics. Claims Procedures: /what-is-visitors-insurance/ Atlas America Cancellation Policy: /cancellation/atlas-america-insurance/
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Q:Health Care reform question I just purchased travel insurance for my sister who is traveling to the US and selected Atlas Health Travel. Only after I had paid for everything that the document I downloaded states that this Insurance does not meet Health Care Reform Law. What does this mean? Can you please let me know asap if I need to change the plan as my sister is traveling soon.

A:
If your sister is coming to USA as a visitor she doesn’t need insurance that meet Heath Care Reform Law. That insurance is mandatory only for US Citizens or US Residents. In short, you have purchased the right plan for an international visitor. If you have any further questions feel free to contact us. Thank you for your business with us.
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Q:Visiting USA: Specialist Doctor Insurance question My parents will be visiting soon from India to USA. Is it possible for them to have a medical consultation from a specialist in USA? What type of insurance is required for the same? Will it cover just the visiting charges and the investigations which the specialist requests after patient evaluation?

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker, and offer all of the major plans available on the market. The plans are designed to cover only any new illness, injury or accident which occurs after the effective date of the policy. These plans will not cover pre-existing conditions, routine doctors’ visits, immunizations and preventative treatments. You may use the link below to view the available plan options. You may also obtain a plan recommendation by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.
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Q:Pregnant: needs International health Insurance I am currently pregnant and shopping for an international (or travel) insurance. I travel a lot and would like to understand my options....I am 5 months pregnant, am 34 years old and am a non-smoker. I would appreciate if you could advise what other information you need in order to start building an insurance plan.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. What kind of insurance are you looking for? Plans will cover any new accidents or new illness that occur after the effective date of the policy. Anything related to pregnancy would be excluded from the policy as this would be considered a pre-existing condition. Please provide your country of citizenship and where you will need coverage so that a proper plan recommendation can be made.
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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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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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