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Ask Our Specialists

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

Q:US citizen visiting USA insurance needed I am a 76 year old American living in France planning to spend 3 months in the US this summer with my 69 year old French husband. I know that as a foreign national he would be eligible for Patriot America Travel Insurance but would I? If so, could you please tell me how much it would cost for the two of us for three months. I have Medicare Part A.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. Your husband would be eligible to purchase Patriot America plans. You would be eligible to purchase a plan called Liaison Continent. Liaison Continent brochure and instant purchase link, /safe-travels-usa-comprehensive-insurance/ If you would like a quote, please provide the dates you would like coverage and the state you will be visiting. If you need additional assistance please feel free to contact our office.
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Q:PPO Network insurance question I understand the pre-existing conditions are not covered under the International Health Plans. However if I go to a PPO provider in USA who is in network, for my blood pressure & cholesterol issues, would I at least be charged at the negotiated rate or will the provider will feel entitled to charge me fully?

A:
Network negotiated charges are only for covered expenses. For non-covered expenses, you will pay completely out of your pocket. You can purchase insurance online at https://www.insubuy.com
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Q:Pregnancy insurance coverage for tourists to USA Dear Sir , We are going to travel from IRAN to US within next 4 months if approved to get visa and my wife is 12 weeks pregnant now . I wanted to get a medical insurance in the US and I want to know what options do I have. Does the pregnancy comes under pre-existing conditions? If she wants to give a birth day how we can cover the huge costs of hospital and so on . If my wife goes for a routine check up will she have to pay the cost there and then and afterwards claim the money from the insurance? Are the routine check ups included in the insurance. Sorry for so many questions but it will be much appreciated if you can clarify these if possible.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plans on the market that will cover a visitor for a pregnancy. You are correct that it would be considered a pre-existing condition and would not have coverage even for the routine checkups. You would have to pay all pregnancy related charges out of pocket. The plans will cover any new illness or injury that occur after the effective date of the policy. If you need additional assistance please feel free to contact our office. Many thank for your good info well noted . Appreciated let me know childbirth cost in one of pregnancy centre/hospital in California? There is no way to know the cost as there are no standard rates. What can be the lowest cost at one of hospital in California? Hello, You can start calling hospitals in California to ask but there is still no way to know what the final cost will be since it will vary.
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Q:Short Term Health Care insurance for US citizen Hi, I'm a U.S. citizen but live and work oversea for a long time. Thus, I don't have domestic health insurance. But I'm going to stay for a month in New York next month. Do you provide health insurance for a month for US citizen?

A:
Hello, Thank you for contacting Insubuy for your insurance needs. We do have a plan that you could purchase for your visit to the US. The Liaison Continent plan will cover you for any new illness or injury that occurs after the effective date of the policy while you are visiting. Liaison Continent brochure and instant purchase link /safe-travels-usa-comprehensive-insurance/ If you need additional assistance please feel free to contact our office.
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Q:Insurance for 70 Plus to USA recommend best plan for person more than 70 yrs for best possible coverage?

A:
Hello, Thank you for your interest in purchasing insurance through us. As a broker we provide insurance from many companies. Essentially, all the plan fall into two categories fixed plan and comprehensive plan. Fixed plans cost less and provide limited coverage while comprehensive plans cost more and provides better coverage. The plan we would recommend is a comprehensive plan called Patriot America /patriot-america-lite-insurance/ Or Safe Travels USA Comprehensive insurance plan. Please find more information at, /safe-travels-usa-comprehensive-insurance/ Please compare these plans at www.insubuy.com If you have any further questions feel free to contact us. Have a great day!
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Q:I have just learned that All international students holding an F, J, Q or M visa are exempt from the individual mandate for their first 5 calendar years in the US. My daughter would qualify here. Can you, therefore, recommend a plan fitting all of the below criteria except the ACA?

A:
International students are exempt from any tax penalties that are assessed for not having a compliant plan. If the universities requirements state that the plan must be ACA compliant she is still required to adhere to this requirement or the University may deny her waiver for her insurance. If a student is not in compliance with the Universities standards her status could be adversely affected. Please verify with her University directly before attempting to purchase a plan that is not to their standards.
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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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