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Ask Our Specialists

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

Q:Atlas America - Renewal query Hello, Good day. I am planning to buy "Atlas America" insurance plan for my parents for 6 months. Could you please clarify my below doubt? If renew the policy every month, will the deductible spent on last month carry forward or will it reset to zero again?

A:
Hello, Thank you for contacting Insubuy for your insurance needs. The deductible on the Atlas America plan will be valid for the lifetime of the policy. So as long as you renew the same policy you don’t need to pay deductible again. That means deductible is one time. Whenever you renew the policy there will be $5 renewal fees. Yes. Deductible will be carry forward as long as you renew the same policy. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ You can find more plans at www.insubuy.com If you have any further questions feel free to contact us.
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Q:Malpractice Insurance I will apply Case Western university in Ohio for three months electives. They required personal health and malpractice insurance. One of my friend recommended you. I am wondering your prices of Malpractice Insurance of $1,000,000 per claim and $3,000,000 aggregate in U.S. currency for three-four months and also health insurance. Thank you!

A:
Hello, Thank you for contacting Insubuy for your insurance needs. We here at Insubuy do not offer medical malpractice insurance so we will not be able to assist with that. As far as health insurance we do offer many plan options. Please provide your age, ,the state in which you will need coverage and the visa type you will be arriving on. After receiving this information we will be able to properly recommended plan options.
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Q:Pregnant visiting the USA I need to make health insurance for my wife but i need health insurance include labor for pregnant and we are Egyptian and live in Egypt and we have tourist visa to USA but i need to make medical insurance please we hope to labor in this hospital we need help.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. However, there is no insurance that you can purchase to cover the cost of pregnancy, labor or delivery. There is no such insurance that exist for visitors. If you are wanting to have a baby here in the United States you will be required to pay for these expenses out of pocket. Please review the link below for more information on pregnancy coverage. Pregnancy FAQ: /us-visitor-insurance-for-pregnancy-coverage/
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Q:No PPO Network Available For the Plan from 'International Major Medical (Underwriter Lloyds) for age above 80, the description says no PPO network. What does that mean in terms of what doctors, hospitals can we visit if needed? Does it mean we can visit any doctor?

A:
That means that you can visit any doctor or hospital. You can purchase it online at /international-major-medical-insurance/ We have some other plans on www.insubuy.com Which has a ppo network. You can look at those plans and compare them with international major medical plan. Please let us know if you have any other questions.
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Q:Insurance traveling to Europe, US citizen Kindly provide quotation for the following: travel medical insurance valid for 2 months older than 65 years old travelling to Europe US citizen low budget insurance Please also provide information on what is included in the plan and if pre-existing medical condition is excluded.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. There are many plans that are available while traveling outside of the home country. Plans will cover for any new accidents or new illness that occur after the effective date of the policy. Please use the link listed below for more information about the plans available and to generate a quote. Travel outside US Insurance: /travel-health-insurance/
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Q:Insurance Application Question Hi - My parents are visiting US and i was trying to buy health insurance on insubuy.com. My mother doesn't have a Last name on her passport everything is included in the first name on the passport. How should I enter her name on the policy details?

A:
Hello, Thank you for contacting Insubuy for your insurance needs. When completing and application You will enter her first name in the proper field and for the last name you will use the acronym LNU (Last Name Unknown) in the surname field. Please feel free to contact our office if you need any further assistance.
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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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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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