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Ask Our Specialists

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

Q:Coverage for parents traveling to USA I'm looking to get insurance coverage for my parents(age 56 and 55). Looking for something which covers travel as well. Dates of coverage, 25th April to June 25th. Please let me know what is the best option available for these requirements with different premiums and deductibles. No pre-existing conditions. In case you are wondering, got your referral from someone at work and was told you would help get the best quotes. Awaiting your response.

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. Visitors to USA: /visitor-insurance/
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Q:Insurance options for visitors to USA I am interested in buying the travel insurance as per the quote. This is for 6 months , i am currently in India and unable to call and talk. The amount of $2000+ is slightly out of budget right now. Though i understand the best coverage from this will help me and be stress free. To add , the applicants are my parents and they are healthy. I don't even think we will use the insurance. Is there a way i can get some discount on the same

A:
Thank you for your interest in purchasing travel insurance for your parents. As the prices are fixed by law, everyone has to pay the same price for the same insurance. It is not possible to provide any discounts. Please read /best-visitors-insurance-deals/ for more information. Insurance is primarily for healthy people. It is meant to cover only unforeseen and new medical conditions, injuries or accidents. Insurance is anyway not meant for people who are already sick. Few options: Buy same Atlas America plan with higher deductible. Buy Atlas Essential America /atlas-essential-america-insurance/ which has 75% - 25% coinsurance. You can also choose higher deductible in this plan. Buy fixed coverage plan such as /visitor-secure-insurance/ It has very limited coverage. Please let us know if you have any other questions.
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Q:Travel Insurance Inquiry: US citizen I am looking at buying travel insurance through your website. I am a U.S. citizen living in Panama. I am traveling to the U.S. from May 3rd - May 31st. I will be in Florida for a week and then Alabama the remainder of the time. When I go to buy the insurance I want on your website, do I need to buy two different insurance plans since I can only select one state?

A:
Thank you for contacting Insubuy for your insurance needs. You can purchase one plan for the full duration and just choose the state based on the mailing address you choose. If you are using a Florida mailing address then choose Florida during the quote process. You will have coverage in all states. Since you are a US citizen visiting the US then you would be eligible for the Liaison Plans. I would recommend the Liaison Continent plan A. If you have any additional questions please feel free to contact our office.
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Q:Insurance: Contacting a provider I would like to know what is the insurance name that i have to use in hospital for Patriot America Plus Atlas America

A:
If you are contacting a provider you would mention the PPO network. You would let them know that the plan is through the First Health PPO network. If you need additional assistance please feel free to contact our office.
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Q:Insurance Parents visiting USA Want to know the best insurance for parents visiting US?

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. 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 provide your parents ages and specify the dates of coverage? You may also receive a plan recommendation by contacting our office at (866) INSUBUY or on our website www.insubuy.com and enter the required information to see the available plans. If you have any additional questions please let us know.
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Q:Patriot Gotravel/Platinum America Insurance Hello â€" I am looking for visitor’s health insurance for my father who is 71 years old and has diabetes and high blood pressure. The main reason I am considering comprehensive insurance from U.S. (even if coverage for pre-existing conditions for age 65+ is limited to 2,500) is to get in-network insurance negotiated prices. For example, say I have to go to emergency ward of a hospital within First health PPO network and say it is due to pre-existing conditions I understand this insurance will only cover up to $2,500 (under Sudden and unexpected recurrence of pre-existing condition) but will the rest of the bill will be priced at the insurance in-network negotiated prices or hospitals’ full price where even a pain killer tablet can be for $400?

A:
Thank you for contacting Insubuy for your insurance needs. The network negotiated rates will only apply to the eligible expenses. So the amount that is valid for the insurance company to pay is what will be at the negotiated rates and max. amount will be $2500. More information on sudden and unexpected recurrence of pre-existing conditions, /sudden-and-unexpected-recurrence-of-pre-existing-conditions/ Patriot Go travel does not cover any travel benefits like evacuation or repatriation. If you are OK with that you can purchase Patriot go travel plan. Patriot Go Travel brochure, instant purchase and other useful information, /patriot-america-lite-insurance/ You can also purchase Patriot Platinum plan with $100k and it has sudden and unexpected recurrence of pre-ex and travel benefits as well. Patriot Platinum brochure, instant purchase link, /patriot-america-platinum-insurance/ Updated 08/15: You can also purchase Safe Travels USA comprehensive insurance. Which covers $25000 for acute onset of pre-existing conditions up to age 89yrs. Plese find more information on Safe Travels USA comprehensive plans at, /safe-travels-usa-comprehensive-insurance/ You can also find more plans at www.insubuy.com Please enter appropriate criteria. You will find many plans. You can narrow by plans with pre-existing coverage and you can also compare them side by side. Please feel free to contact us if you have any further questions. Have a great day! Okay thanks for the clarification. Also how many days after arrival in U.S. you are still eligible to buy Atlas America or Patriot Gotravel insurance? For the Patriot plans you would have to purchase within 30 days of arrival while the Atlas plans do not have that restriction. If you need additional assistance 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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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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