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Ask Our Specialists

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

Q:I need multiple quotes and/or information. 1. Travel insurance quote for travel for me (US Citizen living in the US) and for my fiance, who is a German citizen living in Germany. We need this for a 8- day period. I guess this is called travel health insurance? 2. My fiance will subsequently be relocating to the US. So, I want to make sure she has health insurance once she enters the US in case of any delays with my employer. I would like to do this for maybe a month or two months.

A:
Where are you and your fiance needing coverage for 8 days? You can find quotes on this website by entering in the required information. You will need to be in the correct section, like travel outside USA or Schengen visa, depending on your needs. You can also call our office and speak with a licensed agent for assistance. For your fiance, the plan we would recommend is the Patriot America Plus plan. She would be able to keep this plan until she is eligible to go on your insurance.
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Q:I will be a Visiting Scholar at UIUC from August 2016 to May 2017. I require a travel insurance for this duration that meets the J-1 Exchange Visitor criteria, the details of which are as follows: 1. Medical benefits of at least $100000 per person per accident or illness. 2. Repatriation of remains in the amount of $25000. 3. Expenses associated with medical evacuation in the amount of $50000. 4. Deductible should not exceed $500 per accident or illness and must meet other standards for Exchange Visitor Program regulations. Please let me know details of insurance plans that meet the above criteria at the earliest.

A:
We have many insurance products that meets standard J1/J2 visa requirements. You can purchase Patriot Exchange plan. You can find many plans at the J1 Visa Health Insurance section on our website. Please feel free to contact us if you have any further questions.
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Q:My parents ages of 72 and 70 are coming to visit me in USA for 4 to 5 months in near future. My father has diabetes, however it is in control by taking medicine regularly and managing diets. My mother has high blood pressure but it is in control by taking medicine regularly. Could you please tell me what type of medical insurance I should buy for them? Thank you for your suggestion.

A:
As a broker we provide insurance from many companies. There are only a few plan options that you can select that will offer coverage for and acute onset of a pre-existing condition for someone 70+. For use this link more information on the acute onset of pre-existing conditions . You can take a look at the Atlas America and Safe Travels USA Comprehensive plans for coverage. You can also purchase Patriot Platinum plan with $100k and it has sudden and unexpected recurrence of pre-ex and travel benefits as well max. $2500. You can also find more plans on our website. Please enter appropriate criteria. You will find many plans , narrow by plans with pre-ex coverage, 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:May I ask if we can purchase the policy for our son who is 27 year old or he has to buy it himself.

A:
You are able to purchase on your sons behalf this would not be a problem
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Q:I need a travel insurance for 15 days for 3 adults of age 50 years, 45 years & 25 years respectively.

A:
Thank you for contacting Insubuy for your insurance needs. Please advise of the date of coverage that would be needed and we would be more than happy to send a quote for coverage. Also, please provide the country from which your trip will be departing from for eligibility. Is this policy being purchased for purpose of a Schengen visa? If so please use the link listed below that will provide the detail of the avail be plans. - Schengen Visa Insurance
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Q:I will be visiting Hawaii in August for 14 days and would like some advise on policies available to cover me as I had a mild heart attack in 2010 when they inserted 2 stents and have had no problems since. I was also diagnosed with crohns disease in 2009 but have had no hospital admittance or bowel obstruction issues and both these conditions are well controlled with current medications. I travel on a British passport but reside in New Zealand and am 61 years old at present ( birthday due in 15 days) and have never smoked. If you can also advise what you would consider a policy cover amount required should I need hospital treatment as I am unaware of the average costs of medical treatment in the USA but have heard it can be expensive.

A:
We have many plans for visitors to the US where you can enter the required information and see all the available plans. I would recommend a plan called Atlas America. Since there are no plans on the market that will cover a pre-existing condition, the Atlas America plan will cover an Acute Onset of a pre-existing condition. More information can be found here regarding the Acute Onset benefit. Please feel free to contact our office if you would like additional information or have any additional questions.
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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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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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