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Ask Our Specialists

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

Q: What is the meaning of AD&D Beneficiary and AD&D Relationship?

A:
AD&D means accidental death and dismemberment- If something happens to insured who will be befeficiary. You can write your parents name. Relationship with insured - whatever your relationship with beneficiary. If you have any further questions feel free to contact us.
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Q:I was planning to get the travel insurance for my parents from insubuy. I am giving only the applicants's first name and not giving the last name as passport has the first name only. But Insubuy is not allowing me to continue without the last name. How can I proceed further ?

A:
Last name is mandatory in any of the insurance applications. If they don't have a last name please enter "LNU" ( Last Name Unknown ) and then system will allow to continue the application. If you have any further questions feel free to contact us.
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Q:Could you also give me the details of insurance coverage ONLY for medical evacuation and repatriation? (Assuming that I have an insurance from my university that cover the rest of health coverage)

A:
If you want insurance only for evacuation and repatriation. You can purchase Atlas Medevac for evacuation and repatriation only coverage. Have a great day!
{{currentOrigin}}/answers/exchange-visitors-insurance/j1-evacuation-and-repatriation-only-coverage-83951/

Q:I was given he name of INSUBUY by someone who's mother uses it when visiting their daughter abroad on a military base, from the US to Japan. The base states, "A minimum of $100,000 international medical insurance is needed for guests." I'm trying to make sure my guests have the proper information and coverage to present. My guest are 60, 64, and 30. What would be the most affordable coverage for a 10 day stay?

A:
We have many plans that meets the requirements for military based program. Very popular plan is Atlas International. You need to purchase $100,000 coverage and deductible should not be more than $250, preferred dedu. Is $0.. Please do separate application for the person who is 30yrs. If you have any further questions feel free to contact us.
{{currentOrigin}}/answers/travel-medical-insurance/insurance-for-visiting-us-military-base-overseas-92850/

Q:My daughter, 20 years old, is an Australian citizen and studying at the University of Tokyo, Japan. She resides in Japan (4 year undergraduate degree in Japan full time study). She is enrolled in a Stamford Summer program - 1st June to 31st August term. She will have a F1 visa status. Stamford charge $1,170 USD for their health insurance unless you can provide proof of alternative coverage. I have attached what they require covered in a .pdf document. Are there alternative options available that will be acceptable to Stamford? Would you/your insurers verify the supplied form? Thanks for your help. I am based in Australia.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Student Secure ELITE plan which meets all your school requirements. Please review this and if you have any further questions feel free to contact us.
{{currentOrigin}}/answers/international-student-health-insurance/university-of-stamford-insurance-waiver-requirements-29159/

Q:Hi I'm British (based in the UK) and so is my father. I'd like my father to visit Florida with me in April and was considering taking out a visitors health insurance policy with you to cover his 11 day visit. My father does have a pre-existing condition. He has had 2 heart attacks (the last was about 6 years ago) and suffers from angina. He takes medication to control this condition, though he does visit the gym every day and lost a lot of weight following his heart attacks.

A:
There is no short term insurance for an international visitor which covers routine dr. visit, checkup, preventive care, medicine or blood test etc. for the existing conditions. However, some plans cover acute onset of pre-existing conditions below age 70. Acute Onset of Pre-existing Conditions FAQ We recommend you purchase the Atlas America plan. If you have any further questions feel free to contact us at (866)INSUBUY and any of our licensed agent will be glad to help you.
{{currentOrigin}}/answers/visitors-insurance-usa/b2-insurance-cardiac-coverage-29818/

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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