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Ask Our Specialists

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

Q:if I get sick out of my home country, what shell I do first is to contact Canada to USA and inform about it?then Canada to USA will contact the hospital?Or do I have to pay from my side then I get reimbursement? Wah if my money is not enough?

A:
You would present the ID card to the attending physician and depending on his preferance or that countries laws they would choose to bill you or the insurance together.
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Q:I have purchased Lloyd's insurance and need a list of doctor's in Dallas TX that can provide consultation for a severe knee pain.

A:
We have multiple plans that are underwritten by Lloyds. If you have purchased the policy through Insubuy, you can login to your My Account on the Insubuy website and will have access to your policy documents as well as the PPO Provider Directory link to search for providers within the plans network if your specifc plan offers a network as not all plans do. /myaccount/ If you have any additional questions, please let us know.
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Q:We are US citizens but living outside of US. We are planning to visit US for a month or so, are we eligible to purchase this visitor insurance, please?

A:
Yes, you may purchase the Patriot America Plus or Diplomat America. Either plan will cover you a US citizen while they are visiting the United States.
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Q:I am planning to spend a year in the USA on a J-2 visa. My wife will be on a J-1 visa. I have a condition known as BPH (Benign Prostatic Hyperplasia), for which I take Tamsulosin Hydrochloride and Dutasteride daily.

A:
You can run quotes and view plans through this link for our J1/J2 section: /j1-visa-health-insurance/ However, while all of these plans will meet the standard J1/J2 visa requirements, they will also have waiting periods to cover pre-existing conditions and restrictions in regards to pre-existing conditions, with some not providing any benefits for them at all. We would recommend getting insurance through your sponsor as that would most likely be a domestic insurance plan offered that would not exclude pre-existing conditions. If you have any additional questions, please let us know.
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Q:I am a medical student from India, visiting New York for 2 months assignment. I need malpractice insurance for 60 days

A:
We do not offer malpractice insurance. You would want to check with your sponsor as to where you would be able to obtain that coverage if they are requiring it. If you have any additional questions, please let us know.
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Q:Need help in scheduling wellness visits. The list of available doctors is not available on the website.

A:
If you are having trouble scheduling a wellness visit you can call the number on the back of your ID card. 800-226-5116
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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.

Did you know?

Prices are regulated by law.

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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