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Ask Our Specialists

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

Q:Visitors insurance USA vs. India Comparison My in laws would be visiting USA from India for 2 months. I want a health insurance suitable for them and need your help with the same.

A:
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 plan cost less and it provides limited coverage while comprehensive plan cost more and it provides better coverage. If you provide their age and travel dates will be glad to send you quote by e-mail. Meantime, you can visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us. Have a great day! Please send me both the quotes (fixed as well comprehensive) I also want to know the network - which all hospitals/doctors are supported by Father in Law is 63 years old and my mother in law is 62. Travel dates are April 28 to June 30 2016. What is your opinion of travel insurance policies from India - likes of star health insurance and HDFC ergo? Thank you for your quick response. Most of the comprehensive plans that we offer have a PPO network. When we send the quote next to each plan in details section PPO network link will be there. You can click on it and find dr. name or hospitals name in your area. As you know we provide insurance only from US Companies. We don’t deal with any overseas companies. Please read article below for more information /visitors-insurance-usa-india-comparison/ We will be glad to explain the insurance plan that we offer but for Overseas companies you have to contact them for their product information. Do your own research and you can decide whether you should purchase insurance from US companies or from overseas companies . We have sent you quote in a separate e-mail. Please let us know if you have any further questions. Have a great day! Thanks a lot for this! Is it possible for you to highlight the significant differences between fixed and comprehensive? Yes. Please read, /visitors-insurance/ The quote we sent you next to each plan there a check box. You can check the box and compare them side by side. Please let us know if you need any further information.
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Q:Insurance for Pregnancy for USA visitor Hello, Good day I'll visit USA for business with my wife. My wife is now pregnant and we expected the delivery will be on 15 May. My wife age is 31 years old and this is our first baby and reports show it'll be normal delivery. We'll arrive USA, Phoenix, Arizona about 25 -28 April. Please advice which plan recommended for her we need full insurance about visiting doctors and delivery procedure. Your early reply is important.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, there are no plans available to visitors that will cover the pregnancy. The plans will cover any new illness or injury that occurs after the effective date of the policy. You will have to pay out of pocket for all pregnancy related expenses. If you have any additional questions please feel free to contact our office.
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Q:South Africa to USA Insurance questions Please can someone help me and give me more clarity. My husband and I will be traveling to California December 2017 to my father in-law. I know we are 2 years early in finding things out. I would like to know if you can give us a quote of health insurance from where we leave OR Thambo - JHB - South Africa, the duration of the trip to CA and then back to where we land in South Africa again. The trip will be aprox. 31 days.

A:
Thank you for your interest in purchasing insurance through us. You can’t purchase Atlas America plan if you are physically located in Australia at the time of application. You need to purchase Patriot America plus plan. Patriot America plus brochure, instant purchase and other useful information, /patriot-america-plus-insurance/ If you provide your age will be glad to send quote by e-mail. You can find more plans at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Before you purchase any plan please read Country restrictions. Please feel free to contact us if you have any further questions.
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Q:Insurance: Couple traveling to USA Good morning, I'm going to travel to the USA for one week. I need an insurance for me and my partner (we live together). The questions are: - is it possible to have an insurance for both even if we are not married? - we've already have an heath insurance in Italy that cover expenses with "indirect" refund (we get money back only after the expense) so we would need an insurance with direct refund just for this travel. Is it possible to have this? Thanks a lot in advance!

A:
Good morning. Thank you for your interest in purchasing insurance through us. You can’t do one application for you and your partner. You have to do separate application. You can purchase any of the comprehensive plan which will have PPO network so hospital will send bill directly to insurance company. You can purchase Atlas America plan. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ You can find more plans at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us.
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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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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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