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Ask Our Specialists

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

Q:I am trying to buy a visitor visa for myself and my wife for my USA travel. My indian visa cards are failing by giving an error saying credit card declined contact bank. I want to understand how can i buy the insurance by being in India. Please suggest asap. Is that any one can buy this on my behalf using his bank details and this will not make him liable for my insurance and bills? Please confirm.

A:
Any of your friend or relatives can pay the premium for you using their card that does not mean they will be liable for your medical bills. All the information is confidential and it will not release to hospital or any provider. Sometime credit card from overseas has some limit that you can't use more than that. But from our side you can use card from here or India doesn't matter as long as you have enough credit limit. Please let us know if you have any further questions.
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Q:I am looking to visitor insurance for my parents who are resident of India and visiting us in MD, USA. We are looking to buy Patriot America Plus policy. Does this policy provide coverage for visitors visiting Maryland (MD)?

A:
The Patriot America plan is not available in the state of Maryland. There are other plan that would be available for coverage. There is a plan called Atlas America that is available for purchase as long as the proposed insured is not located in the state of Maryland at the time of application.
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Q:"You will still be covered in or out of the network for any new illness or injury that occurs after the effective date of the policy," does this also include pregnancy complications? I am looking at the Safe Travels USA Cost Saver plan

A:
Pregnancy complications will be covered for the first 26 weeks of pregnancy according to the certificate wording. No routine maternity related expenses would be covered under the plan regardless of conception date. Please see the link below for more information about pregnancy complication coverage. Pregnancy Complications
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Q:My wife and I are J1 and J2 visa holders looking for 2 days insurance plan. My school is Virginia Tech. Please help me find health insurance meeting the following University requirements. Minimum Requirements (1) medical benefits of at least $100,000 per accident or illness; (2) repatriation of remains in the amount of $25,000; (3) expenses associated with medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and (4) a deductible not to exceed $500 per accident or illness. (5) may require a waiting period for pre-existing conditions which is reasonable as determined by current industry standards; (6) may include provision for co-insurance under the terms of which the exchange visitor may be required to pay up to 25 percent of the covered benefits per accident or illness; and (7) shall not unto reasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.

A:
The Atlas America plan will meet all of the requested requirements for coverage. Please use the link to review coverage details and generate a quote. This plan will require a 5 day minimum purchase. If you have any questions please feel free to contact our office.
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Q:I am a J1 visitor and will be arriving in Pittsburgh, USA on 15th June as Student Visitor at Carnegie Mellon University. My planned stay is for 6 months from 15-Jun to 15-Dec. I am planning to buy insurance before I arrive. The university has some requirements regarding Medical insurance, I am attaching the requirement document along with the mail. Please help me decide which of the Student Secure Plans (Elite, Select, Budget, Smart) satisfies the minimum requirements. I guess all 4 does just can you please confirm that.

A:
Yes, all of the Student Secure plans meet the J1/J2 requirements. If you need additional assistance please feel free to contact our office.
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Q:I am coming to Pittsburgh Duquesne University for Fall 2016 semester, as an international student and am looking for the cheapest health insurance plan which suits to requirements below: - The policy must not exclude pre-existing conditions. - The policy must pay providers directly. - The policy must have mental health coverage. - The insurance company pays claims in US Dollars. - The insurance company has a US based claims processing center. - The policy must NOT exclude coverage for illness or injury incurred under the influence of drugs or alcohol. - We must be able to review a copy of the full policy document in English in order to review it for compliance with the school's hard waiver program.

A:
Unfortunately, we don't any plans that meets your school requirements. You need to purchase insurance through your school.
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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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