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Ask Our Specialists

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

Q:Visitor maternity insurance Dear Sir, This is * from Australia and we are planning to have our baby in USA in early October 2016. Could you please offer me a type of insurance to covers most of the costs? Regards,

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know what will be your visa status in USA? Thank you so much for your prompt reply. We will be there as a tourist, holding visa B-2. There is no insurance for an international visitor that covers maternity. You have to pay from your pocket. Thanks for your email. How about the other expenses? Is there any insurance for the rest that covers unexpected ones? Regards, Yes. Insurance will pay for any new sickness, injuries or accident that may occur after the effective date But insurance will not pay anything related to maternity. You can purchase either Patriot America plus or Atlas America plan. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ Patriot America plus brochure, instant purchase link, /patriot-america-plus-insurance/ You can compare these plans at www.insubuy.com Please feel free to contact our office if you have any further questions.
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Q:Pre-existing conditions coverage - heart and bypass surgery Hi I would like to find out the details about the pre-existing conditions. When is it covered and what is covered. My dad is a heart patient and had a by pass surgery many years ago. He is planning to travel to US for few months. If something happens to it during that time (heart related) then will that be covered and how much amount will be covered. Thanks

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know his age. Once we get the information will be able to provide you answer for your question. 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. Please feel free to contact us if you have any further questions. He is below 70 Thank you for your quick response. Insurance will not pay for any routine dr. visit for the existing condition. But most of the plan covers acute onset of pre-existing conditions up to policy max. you choose. But it will be determined by the claim dept. based on the dr. notes whether that come under acute onset of pre-exisitng or not. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ /visitors-insurance-usa-heart-attack-coverage/ You can purchase either Patriot America plus or Atlas America plan. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ Patriot America plus brochure, instant purchase link, /patriot-america-plus-insurance/ You can compare these plans at www.insubuy.com Please feel free to contact our office if you have any further questions.
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Q:Medical help - working in America Good day, Im new to this so i just want to find out a few things. Firstly im going to work in the usa for about 11 months mayby more mayby less, but i have diabetes so ill need a medical aid or atleast something that can cover or pay for my insulin and in the case i need to be hospitalized. What options do have and also the prices. Im 25 years old, male from south africa. Kind regards

A:
Thank you for your interest in purchasing insurance through us. You are coming to USA for work. Can you please provide your visa status? Are you eligible to purchase insurance through your employer? If you get insurance through your employer that would be best. There is not short term plan available that covers routine maintenance for the pre-existing conditions. Some plan pays only for acute onset of pre-existing conditions. More information on acute onset of pre-existing conditions, /visitor-insurance-acute-onset-of-pre-existing-conditions/ You can purchase Patriot America Plus plan which has acute onset of pre-existing conditions. Patriot America plus brochure, instant purchase and other useful information, /patriot-america-plus-insurance/ Please review this and if you have any further questions feel free to contact us.
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Q:Atlas Travel Insurance Comprehensive plan Hello I was about to buy Atlas Travel Insurance Comprehensive plan with $50,000 policy maximum and 500 deductible for my parents visiting from India. However, I had few questions and I was wondering if you will be able to answer 1. I did not see the out patient chargers for normal physician visit. Can you please let me know if there are anything 2. What would be the general guidelines for deductible selection? 3. Would this insurance also cover the travel or would it only cover once they arrive in US? Appreciate your help. Thanks

A:
Thank you for your interest in purchasing Atlas America insurance. 1. Outpatient charges for eligible medical expenses are included. They are not specifically mentioned because there is no separate limit for such coverage. 2. $500 is a good choice. But different people have different choices. $250 is the most common choice. 3. It will cover anywhere outside the home country. You can purchase it online at /atlas-america-insurance/ If you have any further questions, please feel free to contact us at any time.
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Q:Buying travel insurance after departure Good day I wish to purchase Atlas travel insurance for my daughter who is currently abroad and whose current travel insurance policy expires on 31 March. She wishes to continue to travel to India until 25 of November 2016. Is she eligible? Regards

A:
Thank you for your interest in purchasing insurance through us. Yes. Your daughter is eligible to purchase Atlas plans. Atlas plan will provide coverage anywhere in the world except her home country. Atlas International brochure, instant purchase and other useful information, /atlas-international-insurance/ Please review this plan and if you have any further questions feel free to contact us.
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Q:Health insurance 70 years old need to know cost for health insurance for my mother . She is 70 years old.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. There are several plans that your mother can purchase for coverage. We here at Insubuy recommend comprehensive coverage plans when traveling outside of your home country. Please visit our website at www.insubuy.com Enter appropriate criteria. You will find many fixed and comprehensive plan. You can also compare them side by side. We have sent quote in a separate e-mail.
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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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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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