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Ask Our Specialists

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

Q:insured turns 70 during visit We need to get a medical insurance for a woman traveling to US for a personal visit. We were considering getting her Atlas America plan. She will stay in US for a couple of months. However, she will be turning 70 years at about one half of her stay. Would you recommend buying one policy that covers days before she turns 70 and the other one (more expensive) for the days after she turns 70?

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas America plan for her now and you will pay the premium as of age 69 yrs. By chance if you need to renew her insurance once she turns 70 you will pay the premium as age 70 but benefits remains same as age 69yrs. Atlas America brochure, instant purchase and other useful information, /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. Thanks for your quick response. Let me just check whether I got this right. Do we first purchase a plan only for the days before she turns 70, and then (say, a day before she turns 70) we renew the plan by purchasing for the remaining days using the more expensive rate? Would she in that case keep the same benefits throughout her visit, i.e. as she was younger than 70? You can purchase for the duration she is planning to stay here and pay the premium for age 69. For e.g. her date of birth is 03/25/1946 so she will turn to 70 on mar 25th. If she is coming to USA on Feb 25th and planning to stay here until 05/25/2016. So you can purchase insurance from 02/25-05/25 and pay premium for age 69. For some reason if she extend her trip beyond 05/25. You can renew the same policy with higher premium as per age 70 and as long as you renew the policy before 05/25 her benefits remains same as age 69 yrs. You can have same benefits max. up to 364 days. I hope this clarifies your doubt. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions.
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Q:How do I get medical insurance for Sweden

A:
Are you looking for insurance for Schengen visa purposes? If so, please use the link listed below for more information on plans that would meet basic Schengen visa requirements. The plans will cover anyone outside of their home country for any new accidents or new illness that occur after the effective date of the policy. If you would like assistance from a licensed agent please feel free to contact our office for assistance. Schengen Visa Insurance
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Q:I am going to Italy my fiance she is a Dominican Republic citizen and a legal permanent US resident Italy requires a visa for her, among other documentation she needs insurance is one what you command that is basic so the visa can be issued from your company atlas looks good to me

A:
Thank you for contacting Insubuy for your insurance needs. Yes the Atlas International plan will meet the basic Schengen visa requirements. It is recommended that you purchase the plan with a $0 dollar deducible as some consular officer will request this at the time of appointment. You can find other eligible plans here.
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Q:I found your site thanks to another Au Pair currently living in the USA. I need to purchase a Travel/Health Insurance for two weeks, from August 25th to September 8th. I have several questions: - I don't really understand the "Deductible". I read the description but don't know what this means. - I plan to rent a car in California and I know the Rental Cars Agencies ask us to be covered , otherwise we have to pay an extra for the LWD. Does the insurance your provide covers Car Rental Insurance needs?

A:
The deductible is an amount you choose to be responsible for in the event of a claim. If you go to a doctor for a new illness and you have chosen a $250 deductible then you will have to pay the first $250 before the plan will pay anything. The plans do not offer rental car coverage. If you need additional assistance please feel free to contact our office.
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Q:I need an insurance plan to meet the basic requirements for the J1 visa, where can I find plans available to me?

A:
You can purchase any of the comprehensive plan from our J1 visa insurance section
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Q:Travel Health Insurance Quote I need to get a short term health insurance quote for my girlfriend (she is Zambian, age 24, no pre-existing conditions). I am having trouble accessing the website currently. We will be traveling from Zambia to Tanzania on April 5th and then to the US on April 9th. She returns to Zambia on April 19th. I would like a quote for $0, $250, and $500 deductible plans with $50,000 , $75,000 , and $100,000 in total coverage. This would be an emergency/crisis plan to include hospital stays, medical evacuation, and potential repatriation of remains. Coverage dates would be April 5th to April 19th inclusive. Will be paid in full upon receipt of cheapest plan. Please reply to this email with available companies and premium prices. Thanks!

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas America plan that will provide her coverage anywhere in world except her home country. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions feel free to contact our office. We will also try to call you very soon.
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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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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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