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Ask Our Specialists

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

Q:I will be traveling to South Sudan to work on a 4 month health project. I would like to sign up for health insurance for my time in South Sudan with 0 deductible. How much will this cost? Thank you.

A:
Thank you for your interest in purchasing insurance through us. We have many plans that will cover you as you travel outside the US. You can access the plans by visiting the Travel Outside USA section of our site and entering in the required information. If you would like me to forward quotes then I would need additional information such as the dates of your trip, your age, the states you reside and your citizenship/home country. You can also contact our office and speak with a licensed agent to obtain a quote.
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Q:I'll be starting the policy from 4/14, my mom's age at the time will be 59 yrs but she will be 60 on 4/20. Is there any where in the prospectus that says that a policy needs to be changed when the policy holder moves to a different age group during the coverage period ?

A:
The coverage would not change for your mother when she goes from 59 to 60 but the premium would increase with most plans upon renewal. For example, if you purchase for one month you would pay the premium for a 59 year old. If you renew the policy the next month you would then be charged a higher premium based on the current age of 60. If you instead purchase the plan for the full duration then that would lock in the premium for a 59 year old for the full duration. She would not have to change plans at any point. If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/b2-insurance-age-change-during-policy-83399/

Q:Please could you send me details of plans you have available that would meet the requirements (listed below) of the organisation I'll be with from August 28 2016 to July 3 2017 Many thanks

A:
Thank you for your interest in purchasing insurance through us. We have many plans that meets J1 visa requirements. You can purchase Atlas America. You can find more plans at, /j1-visa-health-insurance/ 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.
{{currentOrigin}}/answers/j-visa-insurance/j-visa-requirements-for-international-coverage-58160/

Q:In the unlikely case of premature birth of child - this case would be complication of pregnancy and would be covered by insurance or not? Also in case of an accident of eligible medical expenses, do we need to cover all expenses ourselves and insurance company would reimburse us afterwards, or would insurance company communicate with medical centre directly without our involvement?

A:
Any complication that arise due to complications of child birth are not covered. The pregnancy complication is for complications that arise prior to child birth. These instances would include and ectopic pregnancy, spontaneous abortion, hyperemesis gravidarum etc. No compilations related to child birth, on complications that arise during the first 26 weeks. Pregnancy Complications does not include : false labor, edema, prolonged labor, prescribed rest during the period of pregnancy, morning sickness and conditions of comparable severity associated with the management of a difficult pregnancy, and not constituting a medically distinct condition. As far as billing, it is at the providers discretion whether or not they would like to bill directly or have you pay out of pocket. Typically in network providers will bill directly, so it is most beneficial to seek treatment from in network providers. If you need any further assistance please feel free to contact our office.
{{currentOrigin}}/answers/visitor-insurance/b2-insurance-pregnancy-complications-28651/

Q:Hello. I am visiting scholar in Texas for 6 month from April to end of September and need a health insurance. However,I could't know which one the insurance I need to buy. If you help me to decide, I will be happy. I have attached the form that school sent to me about insurance. Please help and inform me as soon as possible.

A:
Yes, we reviewed the document you provided. The requirements listed are the standard J1/J2 requirements so any of the plans we offer in our J1/J2 section of our website /j1-visa-health-insurance/ will meet the requirements. If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/j1-via-waiver-requirements-in-texas-72238/

Q:I have chosen insurance company for my travel to USA. And I have question regarding visitors to US insurance. I plan to come to US as a tourist for 2 weeks and I am pregnant (on arrival day to US it will be 24th week of pregnancy). Could You please specify details of coverage of "Complications of pregnancy"? Do additional fees apply not shown on your website?

A:
Complications of pregnancy is defined as: illnesses whose diagnoses are distinct from pregnancy, but are adversely affected by pregnancy or caused by pregnancy, and not associated with a normal pregnancy. This includes: ectopic pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity. There is no additional cost for this benefit. If you have additional questions feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/b2-health-insurance-complications-of-pregnancy-50684/

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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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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