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Ask Our Specialists

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

Q:Last Name Unknown I was planning to get the travel insurance for my parents from insubuy. I am giving only the applicants's first name and not giving the last name as passport has the first name only. But Insubuy is not allowing me to continue without passing the last name. Can you please confirm who I can proceed further ?

A:
Last name is mandatory in any of the insurance application. If they don’t have last name please enter “LNU” ( last name Unknown ) and then system will allow to continue the application. If you have any further questions feel free to contact us.
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Q:Maternity insurance for B1/B2 visa holders I am interested in having my baby being delivered in the US on next October. Just want to make sure that you guys could have good opportunity I can jump on. If yes provide a quote please.

A:
Thank you for contacting Insubuy for your insurance needs. Please provide the visa status that you will arrive on. The visa will be the B1/B2. There is no insurance for an international visitor which covers maternity. You have to pay from your pocket.
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Q:My wife is coming to stay with me on J2 visa and plans to give birth in the US. Is there a plan to cover this?

A:
If your wife is already pregnant there is no insurance that will provide her coverage for the pregnancy. You have to purchase insurance from your school.
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Q:I'm writing to consult the rates of Atlas America for J1 and J2 holders. I know if I buy the insurance for my family, the child's fee can be free. But when I got the quote, there is only a total fee where I cannot see the specific fee for me and my husband, so I do not know whether my child is truly free or not. And I need to have the proof that the child is free so that I can reimburse the fee for me and my husband.

A:
Atlas America is a family friendly plan. So if one parent insured child under 9yrs will get insurance at no cost. If you get the quote is total premium for you and your husband. You will not pay anything for the child so when you file reimbursement that is only for you and your spouse. You can look at the per day rate in the brochure here. If you send us your age, spouse age, start date, end date, policy max and deductible that you are looking for we can send you quote separately means how much you pay for your husband and for you.
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Q:General Coverage Questions I'm looking into getting insurance for my mom and I'm hoping you can clarify a few things for me: 1. With comprehensive coverage (Patriot America Plus, Liaison Continent A) -- does this cover mammography? What is the "preventive screening" coverage? 2. I'll probably paying and renewing the insurance month to month. If, for example I start of with Liaison Continent A, then when it expires, I decide to go to Patriot America Plus, how does that work? What is the process? 3. Does comprehensive coverage covers the entire US and then travels (except for restricted countries listed)? 4. If the application had breast cancer before and has been in remission for about 8 years, I understand that no longer qualifies as a pre-existing condition, right? I'd greatly appreciate your prompt response.

A:
1. Mammography would not be covered as the plan does not cover preventative care as this considered to be a preventative service which would not be covered under the policy. Preventative Screening is any service that is done such as a routine checkup or a women’s annual that should typically be done in the home country. 2. Once a plan is active is it recommended to continue with that plan throughout the duration of the stay. As purchasing a new plan would be new and anything that happens before the effective date of the new policy would not be covered to include any injured or illness that may have occurred under your previous policy. 3. Yes, the plans will cover anywhere outside of the home country or country of citizenship and during travel. 4. This would still be considered a pre-existing condition the plans have specific exclusions for cancer. If you have any further questions please feel free to contact our office. Thank you for your response. I just have a few follow up questions -- 1. Do you have a recommended insurance plan which will cover preventive exams? 2. What coverage is available for cancer? Please advise. Thank you for contacting Insubuy. Unfortunately, there are no plans on the market for a visitor to cover any pre-existing conditions or preventative care. If a non U.S. resident or citizen wishes to receive any treatment for a pre-existing condition or have preventative checkups this is an expense that would be solely out of pocket. If you need any further assistance please feel free to contact our office. Please review the link to a helpful FAQ that may assist with any unanswered questions. Visitors Insurance for Cancer Treatment in USA: /visitors-insurance-for-cancer-treatment-in-usa/
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Q:Travel insurance for parents to visit Japan I am trying to obtain a quote for travelers insurance specifically including emergency medical expenses and medical evacuation coverage. Please let me know the prices and options you offer.

A:
Thank you for your interest in purchasing insurance through us. We have many insurance plans that covers medical and evacuation. But before we suggest any plan would like to know your legal status, where do you need coverage, travel duration etc. Once we get these information will be glad to suggest some insurance plan accordingly. Meantime, you can visit our website at www.insubuy.com Please visit appropriate section. Enter related information. 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. I am inquiring about emergency medical expenses and medical evacuation coverage for my parents to visit Japan where I am currently stationed. They are US citizens, and would need coverage for 15 days in April. The plans in our travel outside USA section /travel-health-insurance/ will cover your parents for medical and evacuation as required as long as you purchase a $100,000 policy max. If you would like a quote emailed to you then provide their ages and their state of residence. You can also contact our office for additional 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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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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