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Ask Our Specialists

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

Q:What kind of deductible plan you advise me? If I choose 0% deductible dies it mean the plan covers all the expenses?

A:
Deductible is the amount you must pay before insurance pays anything. It really depends on individual to individual. Very common deductible is $250. If you choose $0 deductible that means you will not pay any deductible. Insurance will pay for any new sickness, injuries or accidents that may occur after the eff. date of the policy. Please feel free to contact us if you have any further questions.
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Q:I am applying for a j1 visa and my wife for a j2. What is the cheapest option for myself and her? Can I do a traveler insurance that meets the criteria listed below?

A:
Thank you for your interest in purchasing insurance through us. We have many plans that meets J1 visa requirements. You can purchase Patriot Exchange Program plan with $100,000 coverage. T Please review the plans listed below. You can other plans for J1 visa. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us. With either of these plans listed the J2 visa holder is able to enroll without the J1 bring on the policy.
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Q:I study at Lone Star College at Houston Texas. I am an international student, my school requires health insurance record before taking the class. Do you have any plan that is compliant with the Affordable Care Act (ACA), include medical evacuation and repatriation.

A:
ACA compliant plan does not cover evacuation and repatriation. We don't have any ACA compliant plan. But if you want, we can provide evacuation and repatriation plan. You can purchase Atlas MedEvac for evacuation and repatriation. Please feel free to contact us if you have any further questions.
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Q:I would just like to confirm whether my wife and I are eligible for Patriot America/ Patriot America plus or Atlas International (or any other long-term medical insurance offered through your company). My wife is a Chinese citizen and resident, and she will fly from Hong Kong to Spain with myself (a UK citizen and resident of China). We will move to Spain to live and work for at least six months and we will not be returning to China after that period (we will move to the UK to settle down). We want to be insured whilst we are in Spain. Will my wife be able to be covered if she is not returning to what is her permanent residence/home residence/home country at the time the policy is purchased? Also, will I be covered in the case of me getting insured in China (my current residence) but then moving to the UK afterwards instead of returning back to China?

A:
The available plans will cover you anywhere outside of your country of citizenship or home country depending upon the plan that you select. I would recommend purchasing the Atlas International plan as this will cover outside of the country of citizenship. So, while in Spain you and your wife will be able to have coverage for the 6 months or up to 2 years as the plan allows. I would recommend completing two separate applications as this plan will cover your wife upon going to the UK until she is able to obtain coverage while she is there (if needed). If you need any further clarification please feel free to contact our office.
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Q:I just got my quote. Do I not get any discount for being a preferred customer as I bought from you twice the medical insurance for my parents? I see only Visitor's care is showing figures in 100s and rest all are showing very high numbers.

A:
As we appreciate you being a loyal customer of Insubuy, we are unfortunately not allowed to offer discounts on any plans as these premiums are regulated by law. No matter where you purchase the plan from it will be the same price as everyone operate on the same premise from these plans as they are governed by the same rules. Please see the link listed below for more information about the rules regulations for Visitors Insurance: Best Visitors Insurance Deals
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Q:I would like to purchase the safe travels international cost saver plan for the visa purposes. Will it meet the necessary requirements?

A:
Yes. Safe travel International cost saver plan meets all the Schengen visa or France visa requirements. Please look at sample visa letter here. Please select policy max. at least $50K and $0 deductible. If you have any further questions feel free to contact us.
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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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