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Ask Our Specialists

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

Q:Hi I am interested in buying visitor health cover and have a couple of questions . I am a resident of New Zealand but travel on a British passport, will this cause any problems? Amount of cover required ? I am 62 and have a pre existing heart condition and have no real idea of medical costs in the U.S.A what would be an adequate cover ( we are visiting Hawaii for 12 days) Thanks

A:
Thank you for contacting Insubuy. We are a broker and have all of the major plans on the market. These plans are designed to cover you anywhere outside of your home country (New Zealand). There are two categories of short term health insurance plans for a visitor to the U.S. You may purchase either a fixed or comprehensive coverage plan. The fixed plan options will be less expense, and pay a fixed dollar amount as per the schedule of benefits. The comprehensive plan options will pay a percentage of the cost after the selected deductible. Either plan option will cover any new illness, injury or accident which occurs after the effective date of the policy. The plans will not cover a pre-existing condition, immunizations, routine doctors' visits, or medications in relation to a pre-existing condition. Please use the link below to view the plans available. The two most popular comprehensive plan options would be the Atlas America, and Patriot America Plus. If you have any additional questions please let us know. You may contact our office directly at (866) 467-8289. Insurance for Visitors to the USA
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Q:I need information about medical insurance. As I came to USA on H1B in last week of Feb 2016, but my employer saying, he is going to provide medical insurance after 3-4 months only. So can I buy insurance on for next 2-3 months?

A:
You can purchase Patriot America plan until you are eligible to enroll in your employer insurance. You can also find more plans below at: New Immigrant Insurance Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:Any help with renters insurance would be greatly appreciated.

A:
We do not offer renters insurance but if you need additional assistance with the medical plan then feel free to give us a call.
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Q:My parents will be visiting in April age 68 and 60 for 4 months. I am located in Fremont, CA and need help in picking the Visitors Health Insurance. I was thinking between Patriot America Plus and Atlas America. Can you suggest which one is better between these two or do you suggest any other one? I am seeing another company is giving 12% discount on Atlas America. Do you match their price?

A:
Please note that rebates are completely illegal and prohibited by all insurance companies. Every insurance company has already sent the message to all the producers. Please read why you want to purchase from a reputable broker like Insubuy using the link below: Why Insubuy?
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Q:My parents are visiting USA and their age is 69 and 65. What is the best comprehensive plan? ex: If they get fever or cold etc is that covered?

A:
We have several plans for your parents that will cover any new illness or injury that occurs after the effective date of the policy. The plan I would recommend is the Patriot America Plus. If you need additional assistance please feel free to contact our office.
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Q:I am a non-U.S., non-Canadian citizen, and I am required to get a tourist schengen visa for a trip to Europe. I need to buy Traveler's health insurance during my stay there. Do you offer such a service for non U.S./Canadian nationals? If so, can you please send me the website where I can purchase the right insurance for Schengen visa?

A:
Thank you for your interest in purchasing insurance through us. We have many insurance that meet Schengen visa requirements. You can view the available plans here. Please feel free to contact us if you have any further questions.
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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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