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Ask Our Specialists

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

Q:My husband is from Jamaica and we are due to go to Spain for 3 months, do you offer holiday insurance for non Americans

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker and offer all of the major plans on the market. We would recommend purchasing a plan from the Schengen Visa section of our website. More specifically, the Atlas International plan. You may use the link below to review the plan details and purchase. If you have any additional questions please let us know. You may also contact our office at (866) 467-8289. - Atlas International
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Q:I am planning to purchase Medical Insurance Atlas Essential America thru Insubuy, I am resident of Maryland and my parents will also ne staying with me in Maryland and parents arrival date is 05/19/2016. So can I buy this insurance even if we are resident of Maryland. Please let me know your views.

A:
You are purchasing insurance for your parents and your parents are not MD resident. They are Indian resident. So you can purchase this plan before their arrival in MD state. Parents can't be physically located in MD at the time of application. So you can purchase before their arrival. Atlas Essential America brochure, instant purchase link Please feel free to contact us if you have any further questions.
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Q:I'm bringing 18 journalists from the Baltics to the U.S. in June for a study tour. I need a quote for basic travel/medical insurance. Arriving 15 June and leaving 26 June. Ages are - 23 23 24 25 26 26 27 29 32 33 35 40 40 42 43 49 50 53

A:
You can do either Atlas Group Insurance or Patriot Group Insurance. You can also compare these plans at International Group Travel Health Insurance. If you provide their dob, gender, citizenship, name and we will be glad to send you quote also. Please feel free to contact us if you have any further questions.
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Q:I want to buy a suitable insurance to cover the requirement of my university (UCSB). In fact I have tried two insurances both of which cannot meet the requirements, so I have cancelled them. Could you give me suggestions on how to meet the following requirements: 1. $100,000 per accident & illness in medical coverage 2. Deductible cannot exceed $500 per accident or illness 3. Coinsurance that does not exceed 25% 4. Medical evacuation coverage must be at least $50,000 5. Repatriation coverage must be at least $25,000 6. Pre-existing conditions must be a covered benefit. The waiting period for benefit coverage cannot exceed 12 months 7. Carrier must be at least A- rated or backed by the full faith and credit of the Exchange Visitor's government

A:
Based on the requirements below we would recommend purchasing the Patriot Exchange Program. Please use the link to review the plan and purchase. You may also purchase by contacting our office at (866) 467-8289. If you have any additional questions please let us know.
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Q:I am a US green card holder and am looking to purchase international travel insurance to apply for a Schengen visa entering from France. Per guidance on the France Consulate below "Please check carefully whether your medical insurance will pay directly the providers in the Schengen countries for emergency medical expenses, emergency hospitalization and repatriation for medical reasons or death. We invite you to have a letter from your insurer indicating that payments will be made directly to the provider (Schengen States or worldwide)." Can you please confirm that in the insurance letter you provide it will specifically state that the insurance will pay directly to the providers in the Schengen countries?

A:
Thank you for your interest in purchasing insurance through us. We provide many insurance plan for Schengen visa. Keep in mind that PPO network concept is only in US. Outside USA there is no PPO network. So no insurance company will give you in writing that it will be always direct payment through insurance company. Link for all the Schengen visa insurance Please feel free to contact us if you have any further questions.
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Q:I'm looking for travel insurance on behalf of my partner who will be in the US for 2 months. She will be 20-28 weeks pregnant during this period, and she has no other medical complications. Is this an option you would be able to cover?

A:
Please look at the Atlas America plan. It will cover complications of pregnancy up to 26 weeks only.
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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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