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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:My current insurance is due to expire next month. I'm not looking to renew the current one, rather, I would like more information on some alternative policies. For instance, I'm currently pregnant. Is there a policy that will cover maternity services while I'm here in France? Also, is there a policy that will cover regular/routine medical expenses for myself and the baby?
Q:Does atlas cover during flight?
Q:J1 summer intern health insurance. These are the requirements. Waiver Standards for International Students and Their Dependents For international students and their accompanying dependents, a comparable health insurance plan will: 1. Must be an provided by an entity or carrier that is approved to do business in the U.S.; a. Travel insurance is not acceptable. b. Insurance that covers emergencies only is not acceptable. 2. Must provide preventative care and FDA approved contraceptives covered at 100% (for plans that have in-network/out-of-network providers, coverage at 100% for in-network providers only is acceptable); 3. Must include coverage for both accident and sickness; 4. Must include coverage for all pre-existing conditions with no limits for the coverage; 5. Must have a deductible not in excess of $500 per individual, per policy (academic) year; 6. Must have coverage for hospital room, board, miscellaneous hospital expenses, physician expenses in and out of the hospital, ambulance service, outpatient labs, x-rays and diagnostic tests without specific limitations for the treatment of medical conditions; 7. Must have coverage for pregnancy as any other illness or injury; 8. Must have an unlimited benefit for any illness or injury as per ACA guidelines; 9. Must have inpatient and outpatient, mental health and substance abuse coverage and must be covered as any other illness or injury; 10. Must have coverage for injuries or illnesses that occur as a result of alcohol, illegal drugs or as the result of an attempt to commit suicide and must be covered as any other illness or injury; 11. Must have prescription drug coverage with a minimum of $100,000 coverage per policy (academic) year; 12. Must pay benefits worldwide (exemption from coverage in an international student's home country is acceptable); 13. Or must have a U.S. Employer sponsored health insurance (F Visas only) in place of standards 1-12. 14. And must have provision for medical evacuation of not less than $50,000 to an international student's home country; and 15. And must have provision for repatriation (after death, removal of remains) of not less than $25,000 to an international student's home country. My comparable health insurance coverage will remain in force throughout the 2015-2016 academic year (August 10, 2015 - August 9, 2016). The coverage must be effective on the Penn State student health insurance plan effective date or the effective date of arrival to the United States (which ever date is later). The waiver applicant must understand that they are responsible for payment of all fees for medical and mental health treatment not covered by their health insurance plan (including but not limited to deductibles, copays, coinsurance and the expenses above my policy maximums and benefit limits.) They must understand that some health facilities, including University Health Services, may require payment at the time treatment is provided.
Q:After reading the benefits of the Patriot Exchange Program, I have another puzzling question to ask. Does your Patriot Exchange Program meet this following requests: 1. Minimum repatriation of remains in the amount of $25,000; 2. Minimum medical evacuation expenses in the amount of $50,000; In my understanding, the benefits of this program including 1, the maximum repatriation of remains in the amount of $25,000 and 2, maximum medical evacuation expenses in the amount of $50,000; but not the minimum
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.
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)?
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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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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
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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.
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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.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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