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Ask Our Specialists

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

Q:I am looking into Atlas America quotes for comprehensive coverage plans for my parents coming in soon. Was wondering if you help me with the following questions.. 1. Both my parents are aged between 65 and 70 with minor preexisting conditions.. Was wondering what will be covered and what will not be ? 2. Planning to take coverage for 3 months initially.. if they plan to stay back for more months later, was wondering if we can extend the insurance? And what's the minimum days required to extend the insurance? 3. Will they be getting their insurance cards, that they can use the way we use our medical cards here .. I mean just go to doctor.. show insurance card and pay the copay.. and rest is taken care of ? 4. Finally can you suggest the best plan for my parents?

A:
Before we suggest any plan would like to know their exact age. They between 65-69 yrs or 70+. Because benefits will be different for age 70 and above. Answer for your questions below: 1. Insurance will not pay for any pre-existing conditions or preventive care. However some plan has coverage for acute onset of pre-existing conditions for age below 70yrs. More information on acute onset of pre-ex here. 2. Most of the plans you can renew before the expiration date. There will be $5 renewal fees. You can renew mini. For 5days and it will be daily rate. 3. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print id card and other documents. If you select you want to receive card by mail then it will be mailed to you next business days. Insurance card will have policy number, claim address and PPO network logo. 4. We can suggest the plan once we you provide their exact age. If your father is 70+ then you need to get separate quote. 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.
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Q:Needing insurance for my father visiting me in NY

A:
Thank you for your interest in purchasing insurance through us. As a broker, we provide insurance from many companies. In order for us to send the quote requires your father's age, travel date and which state he needs coverage. Once we get information will be glad to send you the quote. You can also visit our website to view and quote plans. 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.
{{currentOrigin}}/answers/visitors-medical-insurance/visitor-insurance-for-new-york-state-15605/

Q:I am planning to buy insurance for traveling to schengen territory. If I buy it online, how long it will take to receive it ? Shall I get a digital copy in Email ? Will that be sufficient for applying along with the schengen VISA ?

A:
Thank you for your interest in purchasing insurance through us. The plans in our Schengen visa section will provide a confirmation email after purchase that will include all of your policy documents including your visa letter. The plans in this section will meet the requirements for the Schengen visa and provide a letter for the consulate. If you need additional assistance please feel free to contact our office.
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Q:I'm going to to California (Orange County) next July for summer holiday. I'm from UAE and i need to buy health insurance for the one month period that i will stay in California. We are a family of 8 people: My husband 46 years myself 45 years 18 years old son 16 years old son 13 years old son 11 years old son 7 years old daughter and 36 years old my daughter's nany. None of us has a chronic health condition and i'm looking for health insurance that covers emergency services and god forbidden admissions due to emergency health problems.

A:
Thank you for the information. You can purchase Atlas America plan. You need to do separate application for nanny. You can do one application for your family. You can also find more plans on our website. We have also send you two quote in a separate e-mail. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/visitor-insurance/separate-quotes-for-children-18-and-older-47881/

Q:I'm international student from Iran. I'm on opt right now and looking for an insurance plan. I tried several plans but I got this message that this product is not available for your country of residence! Do you have any plan for Iranian students at all? I'm living in Minnesota. My insurance was United Health Care. My birthday is on 12/25/1981.

A:
The only plan that you would be eligible to purchase is a plan called Study USA. Please use the link listed for more information about this plan and to generate a quote for coverage. If you need any further assistance please feel free to contact our office.
{{currentOrigin}}/answers/other-insurance/international-student-opt-from-iran-living-in-minnesota-health-insurance-70896/

Q:I am looking to get travel insurance for my wife and I. Currently, I live and work in Korea. We will be visiting my family next month. I am a US citizen. My wife is a Korean citizen. Am I eligible for any of your plans? If so, can I get one plan for both my wife and I or will I need separate plans because we are of different nationalities? Thank you very much.

A:
Thank you for your interest in purchasing insurance through us. You can't do one application for USC and Non USC. You have to do separate application. You can purchase the Diplomat America plan for yourself and the Patriot America Plus plan for your wife. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/visitors-insurance-usa/separate-applications-for-separate-citizenships-88078/

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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