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Ask Our Specialists

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

Q:I am a student at California College of the Arts and I wish to buy an insurance that meet the criteria outlined by the school. From all the options that appeared during search I was unable to find a plan that fits these two particular requirements: The plan must offer unlimited prescription benefits. The plan must offer full coverage for all preexisting conditions.

A:
Unfortunately, the plans that are offered on the market will not meet the requirements as listed. Since it states that the plan must offer full coverage for all pre-existing conditions then you would have to purchase the CCA health insurance to be able to meet that requirement. The plans on the market have waiting periods and limits for pre-existing coverage. If you have additional questions please feel free to contact our office.
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Q:Health Insurance for Parents to USA I need to buy visitor insurance for my parents.

A:
Thank you for your interest in purchasing insurance through us. In order to send us the quote, we need to have insured age, travel date and which state do you need coverage for them. Once we have these information will be glad to send you quote. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ You can also 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!
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Q:Insurance for US citizen returning to USA I am US citizen returning back to us and need 30 days insurance--which plan is available for some one like me?

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know some information like: Are you moving to US permanently or Visiting for 30days? If you are visiting USA for 30 days and again returning back to your home country. You can have Liaison Continent plan. Liaison Continent brochure, instant purchase link, /safe-travels-usa-comprehensive-insurance/ Moving permanently to US then you need to purchase Short Term domestic plan using link below, /short-term-health-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side. You can also visit our website at www.insubuy.com To find more plans. Please feel free to contact us if you have any further questions.
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Q:Health Insurance for Living in China for a Year Hi Insubuy, I am looking into insurance for my nephew who will be spending a year in China. He is 26 years old, lives in Kentucky and is a US citizen. I have decided on Atlas International for his Travel/Medical Insurance. As he will be living in an apartment while in China I feel we also need renters insurance and personal liability insurance. Do you offer this? If not, do you know a reliable company that does? Thanks for any help you can offer.

A:
Thank you for contacting Insubuy for your insurance needs. Please provide the dates of coverage that your nephew will be needing and we can see if we will be able to make some recommendation for plan details. For medical coverage the Atlas International plan is most definitely a wonderful option, as there are a lot of benefits that are available with that plan. Starting April 1, 2016 the Atlas International plan will offer benefits for personal Liability up to $90,000 dollars buy up in addition to the $10,000 benefit that is included within the plan to total $100,000 in personal liability coverage. We are looking forward to your response and assisting you. Hi Inusbuy, Thanks for such a quick response. He will be leaving the US on June 23, 2016 and returning July 1, 2017. He will be living in a furnished apartment while in China. $100.000 in personal liability coverage seems like it should be sufficient. Any help with renters insurance would be greatly appreciated. We do not offer renters insurance but if you need additional assistance with the medical plan then feel free to give us a call.
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Q:Atlas America Acute onset coverage Does the current policy configuration that I have selected include acute on-set of pre-existing conditions. If so, what is the maximum coverage limit please.

A:
The Atlas America plan will include coverage for an acute onset of a pre-existing condition. The coverage will be up to the chosen policy maximum amount. If you need any further clarification please feel free to contact our office. Thank you. If I change the return travel dates later, will there be any prorated refund of policy amount please. Please use the link listed below for the cancellation policy for the Atlas America Plan. If you have any further questions please feel free to contact our office. Atlas America cancellation policy: /cancellation/atlas-america-insurance/
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Q:Discounts for parents visitors insurance My parents will be visiting in April age 68 and 60 for 4 months. I am located in Fremont, CA and need help in picking the Visitors Health Insurance. I was thinking between Patriot America Plus and Atlas America. Can you suggest which one is better between these two or do you suggest any other one? I am seeing MultiChoice Insurance is giving 12% discount on Atlas America. Do you match their price?

A:
Please note that rebates are completely illegal and prohibited by all insurance companies. Every insurance company has already sent the message to all the producers. Please read why you would purchase form a reputed broker like Insubuy at /why-purchase-from-insubuy/
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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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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.

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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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