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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I want to know how long does it take before I can use the insurance, after buying one. For example, if I buy it today, can I use it tomorrow?
Q:I need a quote for one year medical cover in USA for my wife and myself. J1 exchange visitor visa. We will be traveling to California from Jan 1 2017 for one year. It is the standard J1 visa medical insurance. Eg $100,000 per incident, no more than $500 deductible plus repatriation and evacuation cover. DOB- 2 Aug 1954 DOB- 11 Oct 1959
Q:I just purchased "Atlas America" insurance through Insubuy for one of my parents (71 years old) who will be visiting me in the US shortly. The coverage is for $100K with a $2500 deductible. In addition to the above, I am also considering purchase of "Patriot Platinum Plus" for the same parent with $100K coverage and $10,000 deductible. I wanted to understand how to use the two insurance coverages together in case of an emergency incident. I have the following specific questions: - Which of the above insurance should I use first (assuming that the hospital used is part of the First Health Network)? - Does the insurance that I use second, cover the deductible of the insurance that was used first?
Q:We reside in Kentucky, USA. I will be goin g to France with my family (Spouse and 2 children) in July. My son plans to enrol in a soccer camp (4 days). What insurance should I take to cover for any accident during the soccer camp. Brochure reads that injury sustained while participating in amateur or interscholastic athletics are excluded
Q:I'm exploring insurance options for our two international visitors who will travel to and stay in Iowa from 6/22/16 to 8/12/16. Our university requires the following and I'd like to request a quote/options that will meet the requirements during the time of their stay. - Medical benefits: $100,000 minimum per accident or illness - Repatriation of remains in the amount of $25, 000 minimum - Medical evacuation coverage in the amount of $50,000 minimum - Annual deductible not to exceed $500 The two visitors are from China; one male with age of 23 and one female with age of 24. Please let me know if you need more information. Thank you for your time.
Q:Coris Hertiage procrastinated review and then bailed saying it was a preexisting cond We purchased a policy from Coris Heritage for my mother so she could visit us in the U.S. Unfortunately she had to be hospitalized during her stay with us. We initially submitted the medical claim to April USA in Florida, but they told us after a month that they no longer handled India issued policies. We then contacted Coris Heritage to process the claim. They wanted to review the claim with their in-house doctor and subsequently informed us that the claim would not be paid due to pre-existing condition. My mother was diagnosed with an epilectic attack, which was definitely not a pre-existing condition. She traveled with medications for her pre-existing conditions such as diabetes and high blood pressure, but not epilepsy as it had not been a pre-existing condition. WE feel that Coris Heritage was looking for any reason to deny the claim and latched onto any one of the possible conditions mentioned in the discharge report as the possible cause of the epileptic attack.
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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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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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