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Ask Our Specialists

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

Q:US Citizen traveling to the USA I purchased the insurance below last year, and I will be travelling to the US again shortly and wish to purchase the same type of insurance again. I am a US citizen, but reside in Greece. I will be travelling for a short term stay to the US from April 8 to May 15. Can you please direct me to the correct insurance to purchase - I cannot seem to locate it online. Ideally, I would like to purchase the same insurance as below. Thank you so much.

A:
Thank you for contacting Insubuy for your insurance needs. As a United States citizen you are not eligible to purchase the Patriot International plan for coverage in the United States as your U.S. citizenship will take precedence within the United States and will always be considered your home country. Please review the plans listed below as these will allow temporary coverage for a U.S citizen within the United States for a visit. Please feel free to contact our office if you need any further assistance. Liaison Continent Plan A brochure and instance purchase link: /safe-travels-usa-comprehensive-insurance/
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Q:ACA compliant medical insurance if we get patriot america for a green card holder traveling between the us and country of origin... when her taxes are filed would the insurance cover the requirements to avoid fines?

A:
Thank you for contacting Insubuy. The Patriot America plan is not ACA compliant as it does not provide coverage for pre-existing conditions, and also provides coverage up to a policy maximum. Feel free to contact our office at (866) INSUBUY. If you have any additional questions please let us know.
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Q:79 turning 80 during trip to USA I am from North Carolina. I am bringing my parents to the US on March 29,2016. My father is 79 years now and he will be turning 80 years on March 30,2016. When I search on Insubuy website for a suitable insurance plan for him, should I give his age as 79 or 80? If I buy an insurance plan for my father with his age as 79 and after his arrival in the US ,he turns 80 and I go to a doctor, will he still be eligible for all the coverage his insurance plan qualifies? Kindly clarify .

A:
Thank you for your interest in purchasing insurance through us. If you purchase the plan before his 80th birthday then you would enter his age as 79. The plan we would recommend is the Patriot America. If you purchase the plan while he is 79 he will have the same coverage for one year as long as you extend the same policy. If you renew the plan beyond one year then be treated as 80 and the coverage will reduce and the price will increase. Or if you forget to renew the policy then you have to buy a new policy with his current age that will be 80yrs. You can get quote at www.insubuy.com Patriot America brochure and instant purchase link: /patriot-america-lite-insurance/ If you need additional assistance please feel free to contact our office.
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Q:Visiting USA, Mother 72 years old Insurance for visiting mother age 72 years for 6 months from 18th March to August 26th 2016. She arrived in USA on 2nd March 2016.

A:
Thank you for your interest in purchasing insurance through us. We have several plans for your mother that will cover any new illness or injury that occurs after the effective date of the policy. The plan I would recommend is the Patriot America plan or Safe Travel USA comprehensive coverage plan. Now Safe Travel USA comprehensive coverage plan covers acute onset of pre-existing conditions up to $25000 Patriot America brochure and instant purchase link: /patriot-america-lite-insurance/ Update: Safe Travel USA Comprehensive coverage plan brochure, instant purchase link, /safe-travels-usa-comprehensive-insurance/ You can look for additional plans here: / Just enter the information and review the available plans. If you need additional assistance please feel free to contact our office.
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Q:USA Visitor Medical Insurance I had earlier bought medical insurance from Insubuy for my wife who was touring USA. This was in 2015. I wanted to buy it again it as she is again visiting USA in the month of April. I cant seem to remember the policy company. Can someone check old records and suggest me which policy was bought ?

A:
Thank you for contacting Insubuy for your insurance needs. Please advised to the visa type that your spouse will be arriving on to ensure eligibility of this plan? She has Tourist Visa - B1. Its a short trip from 14 April to 25 April. Thank you for this information, she is eligible to purchase the Atlas America plan again for her visit to the U.S as a visitor. Please use the link listed below to complete your purchase. If you would like assistance from a licensed agent, please feel free to contact our office . Atlas America brochure & instant purchase link: /atlasamerica-insurance/
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Q:Pre-existing conditions USA visitor I'm looking for medical insurance for my relative who will land in US on March 19th and leave on June 5th, 2016. She will not be travelling to any other country. She will be 69 when policy becomes effective and will turn 70 on April 20th. She had open heart surgery in 2013 and takes medications since. She had cataract surgery in 2014 and takes eye drops. Based on information I looked at, any of US plan’s don’t cover or minimally cover anything related to pre-existing conditions. Please let me know, if Atlas America will be a good plan for her. Also, can it work in conjunction with a plan, if we buy from India, currently looking at United India insurance who work through APRIL USA.

A:
Thank you for contacting Insubuy for your insurance needs. The Atlas America plan would be a wonderful plan for her situation. This plan offers coverage for an acute onset of a pre-exiting condition. This will assist with expenses related to life threatening emergency that happens related to pre-existing conditions. Please use the link listed below for more information about the acute onset of a pre-existing condition. Acute Onset Coverage: /visitor-insurance-acute-onset-of-pre-existing-conditions/ As she will be 69 at the start of the plan the benefits will remain the same when she turns 70 during her stay. This plan will pay secondary to any other payable insurance that is available during the validity of this plan. If you have any questions please feel free to contact our office. Atlas America brochure & instant purchase link: /atlasamerica-insurance/ Thanks for the quick response. Would it be possible for this plan to be primary and one bought in India be secondary. Also, do you know, how dependable is a plan bought in India especially with United India Thru APRIL USA? Thank you for contacting Insubuy. These plans will always pay secondary to any other insurance. We are not very familiar with this particular company specifically. Please see the link listed below to a FAQ about purchasing from India vs the U.S.. Purchasing from India vs U.S comparison: /visitors-insurance-usa-india-comparison/ In that case, I probably need to go for one of the plans. If I decide to buy, what would be the process, Would I pay online, if so, when would I receive something back that can be used for her to receive care, in case such situation arises. She’ll be reaching here on 3/19 morning. You can purchase online through the link provided or call our office and purchase over the phone. Either way, it will be the same process, same cost. As soon as you complete your purchase you will receive a confirmation email that includes all of your policy documents including ID cards. If you need any assistance please feel free to contact our office.
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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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