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Ask Our Specialists

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

Q:I am looking at insurance for my visiting parents and narrowed down Inbound Guest Plan for one month's duration as it covers pre existing conditions. Only my mom (61 years) is on medication due to high BP, but not my dad (64 years) who does not have this issue. I have a few questions: 1. What is the amount covered in case one of the insured person lands up in a hospital due to, say, a stroke or heart attack? 2. Is there any limitation or exclusion to what you would pay for the procedures, tests or inpatient expenses involved? 3. Would any of the above be different for my Mom vs. my Dad? 4. The Pre existing conditions page of the website says that "pre-existing conditions in the last 6 months are not covered". Does that mean my mom would not be covered if she gets hospitalized due to a stroke/ heart attack???

A:
Thank you for contacting Insubuy for your insurance needs. There are no plans on the market which would cover a pre-existing condition for a visitor to the U.S. These plans are designed to cover only any new illness, injuries or accident which occurs after the effective date of the policy. In the event of an acute onset of a pre-existing condition the plan provides coverage up to the policy maximum you select. Since this is a fixed coverage plan, it would pay the fixed amount as per the schedule of benefits. Please use the link below to review the FAQ in regards to pre-existing conditions, and the acute onset. You may also contact our office at (866) 467-8289 and speak with a licensed agent. If you have any additional questions please let us know. - Acute Onset of a Pre-existing - Pre-existing conditions
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Q:This is Abhishek, I will be coming to United States on J1 visa. I need an insurance for this purpose. I am interested in having an insurance with 100,000$ coverage with 500$ deductible. Can you please suggest me some good policies? Also can you please send me some comprehensive quotes for the medical insurance policy?

A:
We have many plans that meets standard J1/J2 visa requirements. If your school has any additional requirements other than standard, please send us requirements in pdf attachment. Otherwise, visit the J1/J2 Visa Health Insurance section on our website. Please enter appropriate criteria. You will find many plans under comprehensive insurance category 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:I want to buy health insurance through your company starting from November 2016 to January 2017 ( after that i will buy another three months) would you please guide me to the right way and how I can pay the required price?. Details of the Quote (policy max $100,000.. deductible per person 0$). FYI, I have my own health coverage funded by Fulbright Organization. Visa: J-2 Age: 26 yrs State: Texas, city: Austin Dates: 1/11/2016 to 1/1/2017

A:
You can purchase Atlas America from our website as it meets standard J1/J2 visa requirements. If you have any additional requirements from the institute then please send us requirements in pdf attachment. Otherwise, you can purchase any of the plans from our J1/J2 Visa Health Insurance section. We have also sent you quote in a separate e-mail. Enter appropriate criteria. You will find many plans and you can also compare them side by side. You can click on instant purchase link and purchase whichever plans works best for you. You can do payment through any of the major credit card. Once you purchase insurance will receive confirmation by e-mail which will have a virtual id card and other important documents.
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Q:I am a Chinese and arrive in the U.S on June 16th, and return to China on July 17th for a trip and I hold the B1&B2 visa. I was born in 1989. So, could you tell me what the most suitable insurance is for Travel health insurance in the U.S.? Could you show me the link?

A:
You can purchase Atlas America plan. Atlas America brochure in Chinese and instant purchase link can be found here. Atlas America brochure in English and instant purchase link can be found here. Please feel free to contact us if you have any further questions. We have Chinese representative also.
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Q:Hello, I currently reside in Thailand, though I am a US citizen. Next week on June 22 I return to the US and will travel around the US, Canada, and then over to Europe before returning to Thailand around August 20th. When I type in the quote for International travel, it then brings me to a page where I can only choose 1 destination country. Can you please help me get a quote for this trip? Please use email as my phone isn't working. Thanks.

A:
You can purchase plans from Visitor to USA section. Please enter your citizenship USA and coverage area international including USA. The plans you get will provide coverage internationally. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/visitors-insurance-usa/visitor-insurance-for-us-citizen-traveling-to-united-states-53888/

Q:Hope that you are fine and in good health, I am looking for travel insurance for school kids ages 11-17 from all over Pakistan lets say about 50 kids. Can please let me know how much does it cost to us for best travel insurance,they want to travel to USA Chicago dates will be July 16 to 31.

A:
You can purchase Atlas Group Insurance plan. You can also find more group plans using link below and compare. International Travel Group Medical Insurance We will send you quote in a separate e-mail. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/group-travel-medical-insurance/group-travel-insurance-school-kids-traveling-to-usa-to-pakistan-cost-32166/

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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