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Ask Our Specialists

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

Q:Looking for Insurance for my parents they are travelling this April 18th

A:
As a broker, We provide insurance from many companies. You can purchase either Atlas America or Patriot America Plus plan. None of the insurance will pay for any routine dr. visit or maintenance for the existing conditions. However some insurance plan provides acute onset of pre-existing conditions for age below 70yrs. If you have any further questions feel free to contact us.
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Q:I am considering the Patriot Policy for my visiting mother and when reading the policy terms my understanding is that the deductible has to be paid FIRST in order for your company to process the claim and pay the benefit. This is unlike any other insurance policy I ever purchased and I am not sure that I understand right, is this correct? If so, what happens if I pay the deductible in installments directly to the hospital over a 4 month period for example? Is the insurance company holding disbursement until I finish paying the deductible?

A:
The deductible in any insurance is the amount that is required to be paid before the insurance begins to pays its portion. In a domestic insurance you have a generally a higher deductible and you have what is called a co-pay that slowly assists you in paying down your deductible. In a travel medical insurance plan such as the Patriot Travel Plans there is no concept of a co-pay so you are your responsible for the entire deductible up front. If you need any further clarification please feel free to contact our office.
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Q:my husband is on l1 visa and am on I2 visa we are staying here since 3 months am pregnant after coming here my husband's company is not providing any insurance for maternity is there any insurance plans that I can deliver here reply please

A:
No, there is no plan that will cover maternity if you are already pregnant. If you need additional assistance please feel free to contact our office.
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Q:My father (72yrs) has wet macular degeneration in both his eyes and was taking injections for the same. He is currently off the regular injections except once in a while if his doctor feels the need based on monthly OCT scans. His current doctor has advised him to do regular OCT scans to check if any issues arise that may require further injections to prevent the condition from getting any worse. One eye is beyond repair and current scans are only for the other eye. I am trying to figure out how I can continue his OCT scans while he is with us in the USA. Could you please let me know what kind of insurance I need to purchase and what kind of coverage he would get specifically for monthly OCT scan(one eye) (how much would he need to pay out of pocket) in case he needs an injection in one eye (Accentrix / Lucentis) (how much would he need to pay out of pocket).

A:
As you know we provide insurance from many companies. None of the short term plan for an International visitor will cover routine maintenance or dr. visit for the existing conditions. We have one plan that covers acute onset of pre-existing conditions for above age 70yrs. Safe Travels USA Comprehensive will cover acute onset of pre-ex. to $35,000 ($15,000 cardiac) for ages 70-89. in short, anything related to his existing conditions will be excluded and if you want to visit dr. for his current conditions you will be responsible 100%.
{{currentOrigin}}/answers/visitors-insurance-usa/b2-insurance-70-years-plus-pre-existing-coverage-14099/

Q:I hope to purchase the insurance to satisfy the French visa's requirement.Could you help me check asap? Since I am going to consulate tomorrow morning, will you send me the insurance letter including "Medical evacuation" and "Repatriation", if I pay now?

A:
Yes. As soon as you purchase insurance you will receive confirmation by e-mail which will have a link to print visa letter. Link for sample visa letter can be found here. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/europe-travel-insurance/sample-visa-letter-for-schengen-insurance-65967/

Q:I live in Chennai, India and planning to visit my son in UK from 6th May to 10th June, 2016 nd visit my another son in USA from 10th June to 19th November, 2016. I am 66 years old (DOB 2nd November, 1949) & a heart patient with stent implanted. Kindly let me have details & tariffs for insurance during this period in the respective countries with insurance coverage for existing disease at the earliest.

A:
As a broker, We provide insurance from many companies. You can purchase either Atlas America or Patriot America plus plan. None of the insurance will pay for any routine dr. visit or maintenance for the existing conditions. However some insurance plan provides acute onset of pre-existing conditions for age below 70yrs. More information on acute onset of pre-existing conditions: Acute Onset FAQ Please enter appropriate criteria. Please select coverage area international including USA. 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/visitors-health-insurance/b2-insurance-pre-existing-cardiac-issues-16577/

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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Why purchase insurance from Insubuy®?

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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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