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Ask Our Specialists

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

Q:My parents who are 84 & 81 years old with some pre existing conditions like diabetes, hypertension, visiting us in Atlanta on visitor visa from India. What is the best health insurance options that I can buy?

A:
Two popular plans for this age group are the Safe Travels USA Comprehensive and the Visitors Protect. Visitors Insurance plans are primarily designed to provide coverage for new illnesses, injuries or accidents that exist in the body or occur after the policy effective date. The Visitors Protect plan will provide coverage for pre-existing conditions up to $20,000. Please keep in mind that this policy must be purchased before your parents leave their home country, they must be medically fit to travel, and not be traveling for the sole purpose of obtaining medical treatment. The Safe Travels USA Comprehensive plan includes coverage for the acute onset of pre-existing conditions up to $35,000, and up to $15,000 for cardiac conditions or stroke. You may purchase these plans online or over the phone by contacting our office at +1 (866) INSUBUY 467-8289. If you have any additional questions, please let us know.
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Q:My wife is in the US and her green card (I-485 status adjustment) is pending at the USCIS. She was a student till August and had student insurance plan from her university. Can you please let me know what insurance she can purchase based on her current status (I-485 status adjustment pending)?

A:
You may purchase the Patriot America Plus plan. This plan will provide coverage until the Green Card application is approved. You may purchase this plan online or over the phone by contacting our office at +1 (866) INSUBUY 467-8289.
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Q:My wife is here on visit visa. Do you have a plan which would cover visits to infertility centers for consultation?

A:
Unfortunately none of the insurance plan for an international visitor provides coverage for infertility.
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Q:Looking to buy visitors insurance for my mother who is visiting USA. She is 82 yrs old. She has preexisting diabetes and bp. Nothing else as pre existing conditions

A:
You can purchase Visitors Protect insurance pre-existing conditions coverage as long as you purchase insurance before her date of departure and she is fit to travel.
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Q:Hi,What is the difference between travel insurance, visitor insurance and travel medical insurance? My father came to the US to visit me and I am hoping to get him a medical insurance. What is the appropriate one to be purchased?Thank you!

A:
Difference between Visitors insurance Vs travel insurance but there is no difference between visitor insurance and travel medical insurance. Some insurance plan you have to purchase before the date of departure from home country. Insurance for an international visitor provides coverage for any new sickness, injuries or accident which didn't exist before the effective date of the policy. It does not provide coverage for pre-existing or preventive care. more information on Visitor medical insurance
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Q:My parents got the flu vaccine. The pharmacy charged 89 each. How do I submit a request for reimbursement?

A:
Vaccines fall under preventative care and are not covered under visitor plans. Therefore, you would not be able to file claims for reimbursement for the flu vaccines. If you have any additional questions, please let us know.
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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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