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Ask Our Specialists

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

Q:Personal Liability Benefit Insurance Rider I am trying to buy visitor medical insurance for a visit to US/Canada. don’t understand what this Optional Personal Liability Benefit Rider. Appreciate a description of what it covers. Thanks Bala

A:
More information on Person Liability, /atlas-america/international-travel-medical-insurance.pdf On page 27. Please feel free to contact us if you have any further questions.
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Q:Visitor Insurance Plan, Pre Existing Conditions I am contacting with regard to a new visitor's insurance plan. I would like to get few information about enrolling a new policy for my parents visiting me. May I know the coverage policy on pre-existing condition on the policy holder. My parents are visiting me for a duration of 6 months. My dad has pre existing conditions of CLD (Chronic liver disease), PHTN (Portel hyper tension) and DM2 (Diabetes Mellitus type 2). I am aware that in general cases pre existing conditions are not covered by insurance plan. But if there is any life threatening situation is encountered, I would like to know what are the coverage options for us.Will he be covered in such situation. Can I get some details please?

A:
Thank you for contacting Insubuy for you insurance needs. There is no plan available on the market which will cover a pre-existing condition for a visitor to the U.S. There are plans which will cover an acute onset of a pre-existing conditions for anyone under the age of 70. An acute onset is a sudden and unexpected recurrence of a pre-existing condition that occurs spontaneously without any advance warning and treatment must be obtained within 24 hours of the occurrence. We have included a link below of an FAQ which answers questions received in regards to this benefit. If you have any additional questions please let us know. Acute Onset of Pre-existing Conditions FAQ: /visitor-insurance-acute-onset-of-pre-existing-conditions/
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Q:Family visits USA: Insurance needed My family is planning to visit US from 04/20/16 to 05/13/16. We need to purchase a medical insurance that may be applied to all my relatives during their stay in US as following: US citizens 4 and 1,5 years old accordingly; my wife is 38 years old and step daughter 13 years old are not US citizens will enter in US under immigration visas and they need to have the proper insurance as well. Please advise what plans the most suitable for all. I consider policies max 50000 - 100000 $$. Please respond on mention above email.

A:
Thank you for contacting Insubuy for your insurance needs. We would recommended the Liaison Continent plans for US citizens. Even though they are U.S. Citizens this plan will provide coverage for any new illness, injury or accident which occurs after the effective date during their visit. You may purchase the Patriot America Plus plans for your wife and step-daughter. We have emailed you quotes based on the information provided. You may also use the links below to view the plans recommended. You may purchase using the quotes received, or over the phone by contacting our office at (866) 467-8289. If you have any additional questions please let us know. Liaison Continent: /safe-travels-usa-comprehensive-insurance/ Patriot America Plus: /patriot-america-plus-insurance/
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Q:International Student looking for Insurance I study at Lone Star College at Houston Texas. I am an international student, my school requires health insurance record before taking the class. Do you have any plan that is compliant with the Affordable Care Act (ACA), include medical evacuation and repatriation. The day that I need is from 08/10/2016 to 12/31/2016. And how much would it be. Thank you so much.

A:
Good morning. ACA compliant plan does not cover evacuation and repatriation. We don’t have any ACA compliant plan. But if you want we can provide evacuation and repatriation plan. You can purchase Inbound USA plan for evacuation and repatriation. Inbound USA brochure, instant purchase link, /safe-travels-elite-insurance/ Please feel free to contact us if you have any further questions.
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Q:Insurance Colombia to USA with baby I would like to know more info about travel insurance that you offer. I'm (29 years old) travelling with infant (5 months old) from Colombia to US Miami for 10 days, from 27th of April to 6th of May. I need basic insurance that would cover a hospital, doctor visit in case of a sickness of my baby. What would you recommend, how much does it costs and how can i pay online? Thank you!

A:
Thank you for your interest in purchasing insurance through us. I have sent you a quote from a separate email. I recommend the Atlas America plan since it is a family friendly plan that will cover your infant free if you purchase the plan for you and your child. If you have additional question please feel free to contact our office. And one more question What hospitals I can go to on Miami? PPO network link, /travel-and-student-insurance-ppo-network/ Please enter your zip code and specialty select acute care hospital and radius 5-10 miles. Please feel free to contact us if you have any further questions.
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Q:Insurance: Pre-Existing condition I am an international student .I would like to know about coverage of insurance for ingrown toenail,right now I don't have any insurance,so what kind of insurance I have to buy for coverage . Could you please help me for purchase of insurance.?

A:
Thank you for contacting Insubuy for your insurance needs. However, there are no plans that you can purchase to cover a pre-existing condition. Since this is something that has occurred before the effective of the policy unfortunately this will be an out of pocket expense. Please feel free to contact our office if you need any further assistance. Thanks for your response,Generally does Insubuy covers toenail treatment.? Insubuy is a broker and we offer several plans and in most cases the plans would not cover toenail treatment unless it was medically necessary for a new illness or injury that occurs after the effective date of the plan. There are some plans that explicitly exclude this type of treatment. 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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