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Ask Our Specialists

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

Q:MY parents have high blood pressure and aged over 60, what type of plan is best for them, and would any sick visit to doctor and related medical expenses be covered?

A:
You can purchase Visitors Protect Insurance with pre-existing conditions this plan you have to purchase before the date of departure from home country. It's not extendable so purchase for the full duration of their trip. This plan provides coverage for Pre-existing conditions as long as person is fit to travel and purpose of the trip is not to seek medical treatment in the US.
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Q:What is the extension link for an Atlas America plan?

A:
You log into MyAccount. Then select the EXTEND POLICY button.
{{currentOrigin}}/answers/visitors-medical-insurance/what-is-the-extension-link-for-an-atlas-america-plan-52122/

Q:Age category 65 and 70

A:
You can get Visitors medical insurance get separate quote for 70yrs old traveler because of age you will have limited options.
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Q: I am planning to buy Exchangeguard choice insurance for my J dependents. I have received a quote for the same. I would like to know if the policy issued meets the following requirements AM Best rating of A minus or above a McGraw or Hill Financial StandardPoors Claims Paying Ability rating of A minus or above. A minus or above rating by Fitch Ratings Inc. A3 rating or above by Moodys Investor Services, or a Weiss Research, Inc. rating of B or above.It should be 1. backed by the full faith and credit of the visitors home country government or 2. part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor or 3. offered through or underwritten by a federally qualified Health Maintenance Organization HMO or eligible Competitive Medical Plan as determined by the Centers for Medicare and Medicaid Services of the US Department of Health and Human Services. Do the Exchangeguard insurance meet above requirements? Also will this information be put on the confirmation of coverage? Please let me know at the earliest.

A:
ExchangeGuard Choice insurance meets standard J Visa requirements you can find information in plan benefits and sample id cards and visa letter
{{currentOrigin}}/answers/exchange-visitors-health-insurance/i-am-planning-to-buy-exchangeguard-choice-insurance-for-my-j2-dependent-does-it-compliant-j-visas-68883/

Q:Which plan is for multiple destinations cruises?

A:
Any of the plans that provide cruise coverage cover multiple destinations. The plans will generally cover someone anywhere outside of their home country and then either also providing coverage in the U.S. or excluding coverage in the U.S. depending on the specific plan. If you have any additional questions, please let us know.
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Q:Hello I will be affiliated with Harvard Uni on a J1 visa. Is ExchangeGuard Essential plan covers all the requirements that Harvard states 2022-23. Thanks. HARVARD REQUIREMENTS U.S. Government regulations require J1 scholars and J2 dependents to have health insurance. As of May 15, 2015, the J1 regulations require the following with respect to health insurance coverage:Medical benefits of at least 100,000 per accident or illness Payment for repatriation preparation and transportation of remains to home country in case of death in the amount of 25,000Payment for medical evacuation transportation to home country on advice of attending physician in the amount of 50,000 A deductible not to exceed 500 per accident or illnessCoverage of preexisting conditions after a reasonable waiting periodPayment by the insurance company of at least 75 percent of the costs of medical care the patient must not be required to pay more than 25 percent of medical care costsTo comply with these regulations, health insurance policies must be underwritten by corporations having one of the following A.M. Best rating of A- or aboveMcGraw Hill Financial Standard & Poors Claims paying Ability rating of A- or aboveWeiss Research, Inc. rating of B or aboveFitch RatingsInc. rating of A- or aboveMoodys Investor Services rating of A3 or above.

A:
Please see the information regarding the plans available based on your school and visa status through this link: /school/harvard-university-insurance-requirements/ If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-medical-insurance/harvard-j1-visa-exchangeguard-essential-plan-requirements-76275/

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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