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Ask Our Specialists

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

Q:I am looking for medical insurance for my trip. I am non-US citizen and I do not live in US. The question is - if I will buy a policy in your company, will it cover my trip in Ecuador? I am planning to spend 5 days in Ecuador and 3 days in US.

A:
Most of our plans will provide coverage anywhere in the world except your home country. You can purchase Atlas America plan for coverage in both countries. Please feel free to contact us if you have any further questions.
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Q:I am a US resident. I am going skiing next week in the US. Do you have a plan for US residents that are going to ski in the US

A:
Thank you for your interest in purchasing insurance through us. You can purchase trip insurance that will cover recreational skiing. Please review this and feel free to contact us if you have any further questions.
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Q:I am buying insurance for my parents but they do not have last name on the passport. That is required field on your site. Can you please advise how to handle that?

A:
Thank you for your interest in purchasing insurance through us. If your parent does not have last name you can enter "LNU" that means last name is unknown. You can purchase any of the plans from our website And if you have any further questions feel free to contact our office.
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Q:In case if I need claim , who is better in terms of acceptance, easy process , required documents etc? I am comparing Atlas America and Patriot America Plus

A:
Since we do not process claims in this office we do not have claim details. Both are rated A or better with the AM Best. They are fairly evenly matched. You can compare plans side by side to see if there is a specific benefit you are looking for. For example, the Atlas plans offer a $50 co-pay for US Urgent Care while Patriot Plans do not offer this benefit. Instead, Patriot America Plus has an RX discount card that Atlas plans do not have. If you need additional assistance please feel free to contact our office.
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Q:Which one to go patriot America plus or Atlas America for a couple aged 66 & 58. For 2 months in USA. Both have pre existing conditions.

A:
Thank you for your interest in purchasing insurance through us. Both plans will cover the Acute onset of a pre-existing condition so either plan will be suitable for your needs. If you need additional assistance please feel free to contact our office.
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Q:During my insurance (from 3/1 to 3/14 in this case), if I go to a PPO network provider, do I have to pay anything? If so, do you make me a refund later?

A:
If you go to a provider and have to pay out of pocket then yes, you can file a claim for reimbursement. If you need additional assistance please feel free to contact our office.
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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.

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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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