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

Q:I'll making a application for an insurance policy of IMG and have a question about it Does AD&D mean repatriation of remain in the event of death? Or Does common carrier accidental death mean it? If AD&D means it, how to upgrade option to $50,000 from $25,000(basic option) My requirements are as follows 1. Maximum coverage : at least $400,000 per year 2. Deductible : not to exceed $1,000 3. Medical evacuation in the event the insured must be returned to S.Korea due to a medical condition : $250,000 4. Repatriation of remains in the event of death : $50,000

A:
Thank you for contacting Insubuy for your insurance needs . The plans automatically have the repatriation benefit included within the policy without having to add it in addition. So without adding and additional benefits the plan as it is will already meet these requirements.
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Q:I would like to make payment by debit card, but there is only the credit card option on your site.

A:
You can use a Visa or MasterCard debit card. As long as your debit card has one of the logos it will work just like a credit card.
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Q:I would like to purchase a health insurance policy for my mother travelling from india to USA in Feb 2016. She will be staying here for a period of 6 months. I need policy that provides good coverage, pays directly to the hospital and is refundable if not used during the stay.

A:
Thank you for contacting Insubuy. We are a broker and offer all of the major plans on the market. In order to recommend a plan we will need more information. Can you please state the travel dates, age, and state your mother would primarily visit? Please use the link below to review the plan options available in the Visitors to USA section of our website. Majority of these plans are refundable, but you would only receive a pro-rated refund for the unused portion of travel minus a cancellation fee as long as no claims have been filed since the effective date of coverage. - Visitors Medical Insurance
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Q:My wife is in US visit visa. She lives sometimes in Boston and in Michigan as well. I am not sure if she is now pregnant or not. we might go for blood test or other test to confirm her pregnancy. Before I do it, is it possible for me to get an insurance for her? in case the test is positive, will insurance company cover pre delivery medical consultation and delivery or any other complications as well? I look forward to hearing

A:
Unfortunately there is no plan for visitors that will cover pregnancy or delivery. The Atlas America plan will offer coverage only for complications of pregnancy up to 26 weeks. If you need additional assistance please feel free to contact our office.
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Q:My mom plans to visit me for a few months from India. She has osteoporosis, but no existing fractures. If she breaks her bone during the visit, will the insurance cover the condition ?

A:
Most of the plan covers pre-existing conditions under acute onset of pre-ex below age 70. It will be determined by claim dept. based on the attending physician note. General rule for acute onset of pre-existing conditions Please review this and before we suggest any plan would like to know her age. You can find plans on our website Please enter appropriate criteria. You will find many plans and you can also compare the side by side. Please let us know if you have any further questions.
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Q:I want to buy visitor insurance for my Dad. He will travel in Florida, Ohio and California. I don't know which should I choose when I fill destination state in travel information. If I only choose one state, will the insurance cover all other two states?

A:
When choosing a state you go by the mailing address state. So if your mailing address is in Florida you use Florida as the state. The plans will cover everywhere in the US for visitors. If you need additional information 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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